davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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. (IL)

On XX/XX/year> ( XX/XX/year> ) XXXX XXXX XXXX ran a Hard inquiry for a home loan without my authorization. I was told by XXXX XXXX several times in writing that her company WILL NOT run a Hard inquiry until we had finalized the loan, her company runs soft credit checks to gather information. 

I filled out a VA home loan request in which XXXX XXXX XXXX ran a hard inquiry for an FHA loan, then her company ran my credit again making that XXXX hard credit pulls without ANY authorization! I was told by XXXX XXXX she would have those hard inquiries removed and she never did. 

I requested a copy of the report her company pulled, and she refused to send me that information as well as refusing to give me the rates for the FHA loan her company put together when she ran my credit for the first time without authorization. 

I had a co-worker recommend XXXX XXXX XXXX  to me because he used this company for his VA home loan. I was told by XXXX XXXX XXXX  they had ran my credit. I was very upset, I told them I was VERY upset and told them I was busy, I would call them back when I got off the phone with the VA. 

During that time XXXX XXXX discussed MY Home Loan information, my details, my credit worthiness and personal information with my co-worker again without my authorization. Then this company told me to go with another mortgage company and refused to assist me anymore after they had violated my trust, my private personal information and hurt my credit. 

I am requesting that the Hard inquires on XXXX, Experian, and XXXX be removed from my credit report for the following reasons : XXXX. This hard inquiry was Unauthorized. 
XXXX. This company gave out personal information to a third party without authorization. 
XXXX. This company refused to give me the results of the inquiry. 
XXXX. XXXX XXXX XXXX  refused to remove hard inquires from All three ( XXXX ) credit bureaus when requested. 

A. 1 inquiry on XXXX XX/XX/scrub>XXXX XXXX XXXX inquiry on XXXX XX/XX/year> XXXX XXXX inquiry on XXXX XXXX XX/XX/year> XXXX XXXX inquiries on Experian XX/XX/year>, XX/XX/year> I have requested the XXXX and mortgage information 7 times with XXXX XXXX, and she has refused or given an excuse every time. She has not given me the numbers they ran that day. 

To qualify for a VA home loan I needed a credit score of XXXX, I had the credit score, even if I didn't qualify for a XXXX XXXX XXXXXXXX XXXX XXXX  should have contacted me so I could have authorized a hard pull on my credit to see if I wanted to use a FHA XXXX and give up all the benefit 's XXXX XXXX XXXXXXXX has to offer and to give up what I fought hard to earn. I didn't suffer in XXXX to have my VA loan thrown aside because your employee made a mistake, XXXX XXXX XXXX is a lot better than a FHA XXXX. It just doesn't make sense what your company tried to do.
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SOFI TECHNOLOGIES, INC. (IL)

XXXX XXXX Sofi Bank XXXX i used as a saving account and checking account getting direct deposits. They stop allowing me card access with digital card with no reason that made sense. Then i just used them as a savings account .i saved {$6700.00} i tried numerous times email and calls in regard to account. I transferred XXXX to my external account XXXX XXXX XXXX separate transaction, XXXX, XXXX, XXXX all back-to-back transaction same date min after each one.to remove funds. the XXXX went into the external account, all except the XXXX in which they lied and said i request funds from the external account, i request all transactions they never sent and closed my account before i could pull them. Its fraud .and XXXX felt because i work hard to save funds. And allow them to ignore and steal my money.. 

Please assist.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (PA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

XXXX has locked me out of my account. I can not access my information. Multiple calls to the customer service line result in the same obstruction - the representative says that they can not verify me because my telephone # ( same one I had when I opened the account ) shows a different name in a database the representative is referencing. And since I'm a CA resident, they also inform me that CA residents can not be verified through drivers license. Multiple times I've been told some 'team ' will get involved and contact me. This issue is more than a week old and no one has contacted me. The net result is that XXXX appears to be blocking my access to money I've deposited or transferred and will provide no solution. I'm reporting to CFPB.
Consumer complaint received 2024-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo in 2022 was sued for overdraft transaction fees it was doing because they were illegal they've taken XXXX $ from me between XXXX from overdraft fees that I never authorized because I opened a overdraft protected account that they switched without my permission or knowledge and started charging me for using said account I wanted my money back from all the times I was swindled out of my money.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX  - CARD SERVICE XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-11
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: Experian Information Solutions Inc. (NY)

Inaccurate information on credit report. Closed account that were used without consent and charges made & accounts were opened that I was not aware about. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted companys directly no response nor any resolution. Then I contacted the 3 major bureaus also, same no resolution
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I did not authorize these inquiries to be pulled from my credit report please remove XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> on my credit three times same date XXXX XXXX  XXXX  XX/XX/year> 2023
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 XXXX 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please read my complaint thoroughly. I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my XXXX XXXX being low with all these wrong information.
Consumer complaint received 2024-11-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC (FL)

On XX/XX/year> I received an email from XXXX debt collection threatening me with legal action on behalf of XXXX XXXX  I received an email last month on XX/XX/year> from XXXX debt collection for the same debt for the same company XXXX XXXX
Consumer complaint received 2024-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo handled my debit card dispute for " merchandise/services not received '' completely incorrectly. I can clearly explain why in this complaint. This is in regards to Wells Fargo case number XXXX. The dispute was opened around XX/XX/XXXX. They denied my claim today on XX/XX/XXXX without ever sending it to the merchant 's bank and requesting any evidence or documentation. They should have done this according to XXXX guidelines as I already attempted to resolve this matter directly with the merchant. Wells Fargo is aware of this due to the signed forms they requested from me which I faxed back on XX/XX/XXXX. According to research on the internet, XXXX demands that the issuing bank requests supporting documentation or evidence from the merchant and/or merchant 's bank. If the merchant and/or merchant 's bank is unable to provide any supporting documents or evidence that they did provide the consumer then it should result in an automated reversal in favor of the consumer. However, Wells Fargo has told me the exact opposite of this. They are telling me that it is my responsibility to provide supporting documentation that I did not receive what I paid for. They said without this, they can not move forward with the dispute. I told them it was their responsibility as my bank to request that from the merchant, and that they have it backwards. The Wells Fargo Executive Customer Relation agent today I spoke to at XXXX told me that I need to call the claims team and request to have my claim reopened, and that I must provide documentation that I did NOT get what I paid for. Again, this is the exact opposite of how it works. I also tried to explain that the merchant was completely unresponsive and they have closed my account so I am unable to provide any sort of evidence that I did NOT receive what I paid for, even if that was my obligation ; which it is of course not my obligation. It is plain and clear that Wells Fargo handled my claim completely incorrectly and now I am suffering for their ignorance. They are now informing me that my claim is closed and they're reversing all of the provisional credit.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (SC)

XXXX XXXX. email on PayPal letterhead about a XXXX purchase with a number to call. I called the number and they answer PayPal and I had to give various information on my PayPal account. I have been set up a fradulant PayPal debit card and variuos places were distributed funds and my Bank debit card had 2 withdrawals made on the XXXX of XXXX to pay for all 9 transactions. I have been contacting the XXXX phone number for PayPal since Tuesday afternoon since I went online to balance my checking account and saw these charges. I have appealed these charges for the last several days and they keep denying, state that I set up this account and dispursed the funds. 
I am XXXX XXXX XXXX and XXXX and my Social Sec has all been spent due to this. I tried everything repeated to stop the PayPal funds from being sent out to places I have never heard off. On XXXX PayPal released all this money and can no longer help me. My Bank is investigated these charges. But PayPal will do nothing other then tell me to contact these places and ask for a refund. My grandson has XXXX  a few of them and they are XXXX.I tried everything I could to stop this but I am helpless. 

XXXX
Consumer complaint received 2024-10-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (PA)

Good Afternoon, After experiencing financial difficulties, I needed to enter a debt relief problem. They reached out to my loan company to try to work with them and at that point the loan company reached to personal reference to discuss my loan. I am the sole person on the loan. There is no cosigner. I called and asked them to work with my company and to not call my personal references as my privacy would be in violation with them discussing my loan with anyone not responsible for the loan. 

I also called their customer service line and asked for a cease and desist of all contact other than with myself and the debt company I am working with. 

Calls have continued to my reference. I also sent a cease and desist email today.
Consumer complaint received 2024-10-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (ID)

Requesting for a year now that NCA XXXX National Credit Adjustors, remove an account that was paid and settled years back with the original debtor and have provided a letter of confirmation to this, that came directly from the original debtor XXXX  also dba XXXX  where I had finally reached out to them directly to get my documented proof. Still to no avail have they removed this account from my XXXX  Reporting agency and I was at my wits end feeling helpless till I saw your website. 
Please HELP get this account removed from the XXXX reporting bureau agency as they as well are not reading the attached documents, nothing but frustration, I have that this remains and seriously affects my life! Dates that I have on file so far where proof of settlement and fileclosed are for just this year alone is the following : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then gave up till XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX XXXX. 

Look forward to hearing from someone as soon as possible and thank you kindly.
Consumer complaint received 2024-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account the following is completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with at the accounts listed and the date that you spoke with them. I also want a confirmation of the address and phone number for the company.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX Acct # XXXX RE : Improper Reporting & Inaccurate Reporting Violations : ( 1 ) 2 times charged off, which is a violation of the statute of limitations : account can only be charged off 1 time.

( 2 ) Account written off for {$100.00} and reported as late ( 3 ) 2 different collection companies for the same account I am writing to formally dispute inaccurate reporting tactics and information that appear on my credit reports. Pursuant to my rights under the FCRA specifically 15 USC 1681i ( a )., and 15 USC 1666b, and 15 USC 1637a. 

Please conduct a investigation for XXXX reporting violations of inaccurate reporting, therefore it must be deleted from all of my credit files
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX GA XXXX Re : Request for Debt Validation Account Number : XXXX Dear NATIONAL CREDIT ADJUST, I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( a ).

It has come to my attention that you have reported an account to the credit agencies that appears on my XXXX report. I am disputing this debt as I believe there has been a violation of consumer protection laws. 
In accordance with 15 USC 1681b ( e ), I request the following : 1. The original signed contract : A copy of the original signed contract that verifies my agreement to the debt in question, including my wet signature.

2. Assignment of Debt : A clear documentation of the assignment of this debt from the original creditor to your agency. 
XXXX. Proof of proper reporting : Evidence that you are legally able to collect this debt. 
Please be advised that under 15 USC 1692c, you are prohibited from communicating with me in any way until you have validated the debt as requested. 
If I do not receive validation of this debt within 30 days, I require that you cease all collection efforts and remove any negative reporting regarding this matter from all credit reporting agencies, including XXXX, XXXX, and XXXX. 
Please send all correspondence regarding this matter to my address listed above. I look forward to your prompt response so we can resolve this matter swiftly. 
Thank you for your attention to this serious issue.