davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. ()

Upon reviewing my credit report I noticed that my credit had dropped over XXXX points recently. There are several duplicate collections accounts on my report that do not belong to me. They are my wife 's medical bills, not my own. I did not consent to any of the care that she received in the hospital, that was her choice alone. 

Attached you will find photo copies of my credit report and my wife 's. The first photo with the circled collections is mine, the other photos are screenshots of my wife 's credit as listed online through the portal. She has consented to me sharing these photos and I will list her contact information along with mine so that you may reach out to certify consent if necessary. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (FL)

XXXX continues to state that I opened an account with XXXX XXXX XXXX in XX/XX/2022. I hav n't opened any account with them. Credence Resource Managment has stated that I own {$130.00} to XXXX XXXX XXXX placing this on my XXXX report. I have disputed this statement twice that I know of. The first time it was filed by a different company. This time I filed a complaint with Credence Resource Managment. In the past, I have asked the first company to supply the original documents/contract for services and notified them that I did not start the account on XX/XX/2022. To date no documents or correspondence has been provided pertaining to this XXXX & XXXX account. I didn't open this account and I am not aware of anyone who has. Nor have I given permission and authorized anyone to start an account with XXXX XXXX XXXX. Also, the account states that it is closed. But has the open balance of {$130.00}. This appears to be unfair practice by XXXX XXXX XXXX to collect monies from me that I do not owe by posting them on my credit reports. It is on XXXX, XXXX and XXXX. Are you able to contact Credence and demand the contract, original creditor and/or the signed contract stating the services that are believed to be due?
Consumer complaint received 2021-10-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX. 2021 XXXX XXXX  on a Saturday. A buyer made a purchase through XXXX. 

Knowing that XXXX had successfully worked with me a few days prior, i assumed it will be a smooth transaction. 

After the buyer made the {$2100.00} purchase through XXXX Wells Fargo. This time i didn't receive the money and i would need to wait 2 days for wells fargo to deposit the funds. I find that odd because i used XXXX a few days earlier and it went through immediately. 

So i gave the buyer my item and i assumed that XXXX was irreversible and i will get my money eventually. 

an hour later the buyer Cancelled his XXXX  payment. I was irate because i thought XXXX was irreversible. I found out that in that particular day, wells fargo XXXX  were having issues receiving payments and technicians were working on getting it fixed. 

i filed a claim with wells fargo and i waited 10 business days. its already XX/XX/XXXX and i did not get any provisional credit at all. I called the claims department but still hav n't gotten any provisional credit. 


All i want is my {$2100.00} from wells fargo. I believe wells fargo screwed me over of my {$2100.00} because wells fargo XXXX was having problems in that particular day of the transaction. If i had known that wells fargo was having problems with XXXX, i wouldn't have sold my item via wells fargo XXXX. Unfortunately, i'm still out of my money and my item. 

here 's the claim # XXXX
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XXXX XXXX an application for a Capital One Venture card was applied for and denied. Amount requested is unknown. 

On XX/XX/XXXX I submitted a temporary fraud alert with all three credit report agencies and froze my account so my credit won't be able to be pulled. On XX/XX/XXXX I called the FBI to report it per my lawyer 's advise. The FBI told me to submit this report and go file a police report which I will be doing by XX/XX/XXXX. 

All information provided was current information that not many people have besides my lawyer, work and my ex who I've been in a ugly custody battle for the 2.5 years whom recently lost a domestic violence case. He's done something similar and used my personal information to sign me up to be an escort on a site. I caught him and confronted him about it but he acted like he didn't do it even with proof. He has an ongoing investigation case that my lawyer suspects him as well for stalking and duplicating his XXXX account to make him look bad and obtain personal information on him. I'll provide more information upon request. Thank you.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (DC)

On XX/XX/2021 I contacted BB & T because once the merger was successful I was charged a service fee of XXXX throwing my account into overdraft. The total I owed was XXXX and some change ( exact dollar amounts forwarded upon request ). I cleared that balance, paid it in full and closed the account. The bank informed me that because my direct deposit was less than XXXX the fee was charged. I was outraged. I am XXXX XXXX of age and was in the hospital for several weeks, thus my direct deposit was less. So I cleared my balance with the bank, and left XXXX in the account because I am tired of the money that BB & T now Truist takes in fees from my account and the fees they collect on my account. On XX/XX/2021 I closed my account in person at the XXXX XXXX branch and there was a XXXX balance, today I checked the account as the cards were cut in front of the young lady that I went into the bank to closed the account. No paperwork was given and I was informed that I would not receive paperwork that day but that it would be mailed to me ( and to date I have not received that paperwork ) so I asked her for my account numbers and routing number so that if my deposit came in before my job stopped my direct deposit and it was routed to BB & T they could find my money. This bank has been ripping me off since the pandemic started and I have proof of how many times BB & T closed my account and issued new account numbers, ATM cards and prepaid Debit cards in order to keep me as a client. They knew they was wrong and I can forward this information upon request. Today I called BB & T/TRUIST to make sure my direct deposit did not go to an closed account, ( today is XX/XX/2021 ) and this bank had the nerve to charge me XXXX on a positive account ( it was not negative when I closed the account and they charged me this fee on a closed account. I would like to have this fee and charge dismissed as they young lady informed me to keep the XXXX in the account in the event that my direct deposit hit. Now how did the XXXX become a negative XXXX and they access a fee of XXXX on a closed account. All my creditors ( proof given upon request ) was given my new account ( Visa card numbers for bill paying on XX/XX/2021 ) so no bills went or was forwarded to BB & T for payment. I am not going to pay this fee and would like to have it cleared and closed before they report it to the Credit Bureau. Thank you
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2022-02-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Select Management Resources, LLC (PR)

As well all know, Borinquen Title Loans ( BTS ) is a company that provides secured loans where borrowers can use their vehicle title as collateral. Borrowers who get title loans must temporarily surrender the hard copy of their vehicle title, in exchange for a loan amount. When the loan is repaid the vehicle title must be returned to its owner. At the time I signed the contract, I was told that mailing the vehicle title would be option for me to get back said title. For my surprise, once I repaid the loan, I called BTS and I was told that I no longer have the option to get the vehicle title back by mail. As a result, I am prevented or, at minimum, limited in obtaining my vehicle title in return.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. I demand that these inquiries, collections, and accounts be removed from my credit profile immediately. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} Account Number : XXXX Delete from my credit report. XXXX XXXX XXXX - {$0.00} Account Number : XXXX Delete from my credit report. XXXX - XXXX XXXX XXXX XXXX {$490.00} Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1.. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

2..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

3..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

4..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

5..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

6..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

7..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

8..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

9..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

10..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

11..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

12..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

13..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

14..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Consumer complaint received 2022-05-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

An accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A SBA LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello. I'm coming to you for assistance because I don't know what else to do anymore. I've been trying to get accounts deleted from my credit report for the last three months and the credit bureaus keep the accounts on the report. There should be no reason why these accounts should remain on the credit report since I have a deletion letter from the collection agency that these were supposed to be removed back on XX/XX/XXXX. This letter even has AUD deletion control numbers on it. 

I have contacted the credit bureaus myself and have submitted this letter as proof these accounts should be deleted. They still remain. We are now on XX/XX/2022, and these accounts are STILL on my reports. To make it even worse, they were deleted for a short period of time, and then reappear. I've called the collector to figure out what is going on, but they have submitted an AUD deletion request three times to the credit bureaus. At this point, I have no choice but to file this complaint through you otherwise I will have to file a complaint through my local small claims court. Please, please, please get the credit bureaus to do their jobs. We aren't in a pandemic anymore, so there is no excuse as to why this hasn't been done by now.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (SC)

These are complaints with cash app/square account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX XXXX XXXX XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX, XXXX XXXX XXXX. XXXX taken from my account XX/XX/XXXX, XXXX XXXX   XXXX taken from my account XXXX XXXX XXXX  refunded to the card for XXXX missing from my account Plus XXXX that was already there thats missing also This account has been closed for cash app and square since XX/XX/XXXX in the photos you can clearly see that all other transactions were declined I just want my money I have contacted my bank there nothing that is coming off my account at XXXX XXXX as of now because I froze the account but cash app nor XXXX will contact me back Below is photos of the statements Even authorized companies that payments were declined because this account has been closed since the beginning of XXXX and still no one has contacted me