davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo closed all XXXX of my accounts and will not let me rectify the situation. They never gave me a reason why they were closing them. They just sent me an email that they were closing my accounts on a certain date. When I called customer service to get an answer XXXX was a XXXX  to me and wouldnt work with me at all. Now Im having problems opening a different bank account because of Wells Fargo closing my accounts
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (TN)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prosper Marketplace, Inc. (FL)

This company is a gigantic XXXX they don't resolve any issue and every XXXX XXXX XXXX lies. They provide zero proof outside of fluff. They continue to report my account 30 days late even though they have received over {$800.00} in payments. This company needs to cease to exist. They received a recent payment of {$140.00} plus and they apply it after the due date to continue to hurt the consumer. CFPB should be ashamed for not turning over this company to the FTC for an internal investigation. Prosper employees people who can't read, can't articulate and that's the reason their products are designed to XXXX on their consumers. I have sent XXXX subpoenas and inquiries with XXXX response from this disgusting and vile company.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advanced Resolution Services Inc. (NC)

Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 


Please make a further review on the following inquiries ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

Presence of those unauthorized accounts and enquiries made me feel very XXXX about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 

Kindly check the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (GA)

Between XX/XX/year> and XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX  XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm. 

Please see attached for more information.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally lodge a complaint against Experian, a credit reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I believe that Experian has failed to comply with its obligations under the FCRA by reporting inaccurate personal information regarding my credit report. 

The FCRA is designed to promote accuracy, fairness, and the privacy of personal information in consumer credit reports. Unfortunately, my recent experience with Experian has demonstrated a lack of adherence to these principles. I have identified several inaccuracies in my credit report, including wrong name listed as well as an address. CFBP please have this information removed because that is inaccurate information. 

Despite my efforts to rectify these inaccuracies by contacting Experian directly and providing supporting documentation, I have not received a satisfactory resolution. My attempts to dispute the inaccuracies were either ignored or inadequately addressed, which is not in line with the requirements set forth by the FCRA. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Experian complies with the FCRA. It is essential that consumers are protected from false information that can significantly impact their financial well-being. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely,
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (IL)

Recently, I did an investigation on my credit report and found improper use of my report not allowed by laws 15 U.S. Code 1692c, and Section 609 ( a ) ( 1 ) ( A ).
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (ME)

VXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Notice of Dispute / Demand Letter CFPB Complaint # XXXX To Whom it May Concern : This letter is sent pursuant to the arbitration clause located in the Deposit Account Agreement for Personal and Business Accounts. 
Please pay the advertised bonus of {$400.00} and refund {$33.00} in fees that were charged in error. 
Otherwise, this matter will proceed to XXXX with all costs and fees taxed to the bank. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I want to leave a formal complaint for the unnecessary and disrespectful treatment I received by two Chase agents. The situation happened as follows : on XX/XX/XXXX, I deposited a cashier check given to me by XXXX XXXXXXXX XXXX following the maturity of a CD account I had with that bank. On Wednesday XX/XX/XXXX at XXXX XXXX, I called Chase to see if they could speed up the deposit process into my account. After almost 25 minutes of waiting on call with a customer service agent, I was informed that XXXX XXXXXXXX XXXX  did not authorize the check I deposited, and therefore made my account locked with no possibility of withdrawing, payments or any other transaction. The agent informed me that I had deposited a fraudulent check and that in a few days my account will be closed indefinitely and that Chase does not want any business with me. I told her that I had documents proving that the transaction was authorized. The agent told me that she could not say anything else and hung up the call. 

On XX/XX/XXXX, I went to my local Chase branch in XXXXXXXX XXXX, they took a copy of the stub check and I told them my case. The agent called the Chase line and after waiting she told me that my account was locked and under investigation for fraud. She also told me that my account would be canceled. She told me she could not do anything to help me. 

Friday XX/XX/XXXX, I called Chase again for 2 hours where they finally told me that XXXX XXXXXXXX XXXX had authorized my check but that my account remained under investigation. This has caused me a lot of distress because of the mismanagement of my funds. The worst thing is that I was treated like a criminal trying to commit fraud despite my legal proof to authenticate the transaction. 

My account was restricted and my funds were available until Tuesday XX/XX/XXXX, it was 12 days after the check was deposited. I had an investment scheduled with XXXX XXXX that was canceled because the funds were not transferred. I request that Chase Bank be held accountable for the lost profitability.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My student loan provider reported my payments as a late payment on my report and I never missed a payment. They never send me a latter or contacted me regarding any late payments. 
In Accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b a creditor may not treat a payment on my student loan account under open end consumer credit plan as a late for and purpose.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (NY)

IVE BECAME AWARE OF THIS THESE FRAUDULENT ACCOUNT WHILE GETTING MY CERDIT RUN FOR A APARTMENT THEY TOLD I HAVE SOME ACCOUNTS I NEED TO ADDRESS BE FOR BEING APPROVED AFTER THAT I REALIZE IVE RELAIZE IVE BECAME A VICTIM OF IDENTITY THEFT I DIDNT NOT NOR HAD ANY KNOWLEDGE OR AUTHORIZE NO ONE TO USE MY IDENTIY IM TRY TO RECTIFY THIS ISSUE CAUSE THESE NOT MY ACCOUNT XXXX AND RADIUSGLOBAL
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (NY)

XX/XX/scrub>XXXX purchase XXXX  football jersey using my PayPal credit card. I dispute because company scam me track # bogus. Called PayPal try dispute it said would. Charge went from pending to applying my account where now Im occurring daily interest on dispute account. Called again they dragging feet said still working on it
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (PA)

I did not authorize this creditor to report anything on my credit report. It is illegal to report late payment on a consumer credit report and this alledged creditor should be held liable. Please see : Gorman V.

Wolpoff & Abramsaon*. Supreme Court I demand the repossession and all late payments be deleted from my credit reports immediately.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Late Closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO (VA)

On XX/XX/XXXX, an XXXX dispute was filed under REG E. The dispute number was XXXX. The dispute was resolved and the total amount that was attempted to be added by ETF reversal is {$3300.00} which was on Thursday XX/XX/XXXX per the manager at the dispute EFT resolution dept of Banco Popular. They contacted me the following day saying they could not credit my account because the XXXX XXXX, XXXX branch had a block on my account. I contacted a supervisor on XX/XX/XXXX to ask them for help and they contacted XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX ), the managers of the branch to release the block so they could add the funds back into the account. XXXX refused ( most possibly due to the a complaint I had filed previously as retaliation ) and claimed that the account was under investigation.When speaking to her, she gave me blanket statements, refused to help and told me to call customer serivce. Regardless, I continued to contact supervisors and XXXX XXXX only to be given the run around of fake promises of call backs. Within 5 hours of trying to get my account unblocked so I could get my funds, the branch at XXXX XXXX location completely made my account inactive to customer service ( even though it was not for weeks ) so that it read " this account is currently under investigation, no other information is available ''. This is clearly a fraudulent move by the branch as they were trying to limit my communication about the funds that should be available to my account. I have tried reaching out to area managers and other individuals with no response. This is a clear violation of REG E and the funds that were attempted to be reinstated to my account are now lost. I have notes from the parties involved and all communications.

Please look at the timeline. See how my account was not restricted to customer service calls until XX/XX/XXXX when I was trying to have this branch help me with my problems. This is criminal.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am filing this complaint regarding a credit reporting issue involving inaccurate and unverifiable information on my credit reports maintained by XXXX, Experian, and XXXX. Despite my repeated attempts to dispute the validity of the account, the reporting entities have failed to provide proof of a contract or agreement that allegedly binds me to this debt.

1. Lack of Proof of Contract : I have sent multiple written notices of debt dispute to both the creditor/collection agency and the credit bureaus requesting proof of the original contract or signed agreement. However, neither the creditor nor the credit bureaus have provided any verifiable documentation to substantiate this accounts legitimacy. This failure to provide the requested information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable.

2. Inconsistencies Across Credit Bureaus : In addition to the lack of verification, the information reported by XXXX, Experian, and XXXX is inconsistent. The account details, including balances, dates, and statuses, vary significantly between the three bureaus. This inconsistency further indicates that the information is inherently inaccurate, violating the FCRAs accuracy and completeness requirements.

3. Inadequate Investigation by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was " verified as accurate. '' However, they failed to provide any documentation or specific explanation to substantiate their findings. This inadequate investigation does not satisfy the FCRAs standards for resolving consumer disputes. 

See Also previous Disputes : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Granite Edvance Corporation (MN)

On XX/XX/year> I applied for a private loan through XXXX  XXXX XXXX XXXX. I was sent an email that directed me to an adverse action letter you will find below. In the adverse action letter I was given a list of factors ( not deciding factors ) indicating why I was denied extension of my own credit. Not only were these factors illegitimate reason to deny me an extension of My own credit, they directly violate article 15 USC 1611 criminal liability for willful and knowing violation because they gave me false and misleading information. XXXX  XXXX XXXX XXXX did a hard pull resulting in a negative inquiry on my credit report therefore a consumer credit transaction had been made. I was denied the extension of my own credit and given a list of reasons that were not deciding factors yet I received no benefit. And compliance with 15 USC 1679 this was a consumer credit transaction therefore you can not deny me an extension of My own Credit.
Consumer complaint received 2024-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB Corporation (NC)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX USCB Corporation XXXX XXXX XXXX XXXX, XXXX XXXX RE : Follow up for XXXX and XXXX XXXX responding back to the alleged debt collection and inaccuracies thats reporting on my behalf. On XXXX I reached out for verification of debt. The company responded with a follow up on XXXX trying to verify debt. Through my response on CFPB complaints. How is it verified without my consent or my original WET signature I suppose to have signed? Or proof of present documents pertaining to me not old documents that were fulfilled. 

Be advised this is not a refusal to pay debt. However I have a right to question and have inaccurate information verified and corrected. But a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and verification was requested. And not verified. 

I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

1. Purchase Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my WET signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Valid copies of the debt agreement stating the amount of the debt and interest charges 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state. 
Per the FCRA you are required to provide this information within 15 days or delete the negative items from my credit report. 

Thank you Kindly, XXXX XXXX
Consumer complaint received 2024-09-18
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: USCB Corporation (SC)

I have received upwards of 2-3 calls daily regarding a debt I owe to XXXX XXXX XXXX Two weeks ago, I spoke to someone and informed them I would like to cancel the program rather than continuing and I would work on making payments beginning in XXXX. Each time someone calls, they are incredible rude and unpleasant to deal with.