davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (AR)

I am writing to express my extreme frustration regarding the lack of resolution provided for my open investigation under CFPB case number XXXX. 

This case was opened on XX/XX/XXXX, XXXXover 30 days ago now. According to the Fair Credit Reporting Act, credit bureaus are required to conduct a reasonable investigation into consumer disputes within 30 days. 

It has now been well over the legally mandated time period, yet Experian has completely failed to provide any resolution or even an update on this investigation. I have not received any communication regarding the disputed information I initially contacted Experian about. 

This negligent handling of my case has significantly harmed my ability to keep track of my credit report and has caused undue stress. I deserve a prompt resolution, not endless stonewalling. 

Experian needs to delete the debt that is connected to XXXX XXXX XXXX detailed in the original CFPB case number XXXX. 

I hope this can be resolved swiftly and amicably without needing to take formal legal action. Please provide a written response within 7 days that this alleged debt has been deleted from my credit report. I look forward to a timely resolution of this egregiously delayed case.
Consumer complaint received 2023-08-15
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.

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 2023-07-25
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Collection Bureau, Inc. (IL)

On XX/XX/2023 I had a womam call me from United Collection Bureau and she was hard to understand and spokevery fast. I asked very simple questions, IE : Have you sent the IDL yet and other simple consumer questions ( I'm super glad the call was being recorded ) and after briefly acknowledging the debt and giving a small snyopsis of my financial situation and then letting her know that I can something up but it has to be a small amt due my financial situation, she trans me to a supervisor name XXXX XXXX. Once XXXX got on the phone the entire conversation took a turn as XXXX escallated the situation by over-talking me, telling me that the original creditor is tired of me for not paying ( I was paying another collection agency a small payment monthly on this acct, and last payment was in XX/XX/XXXX '' [ 3 months ago ] so they just received this debt, I asked XXXX some simple questions as well but after incinuating I dont pay my bills ( Later in the convo he sd, he didnt say that ) and escalating the situation and wouldnt allow me to talk or let him know my situation he finally sd that I can make a payment of XXXX XXXX monthly asI sd I would set up to mail in but he kept tellimg me that he is done with this conversation over and over ifwedont cont talking of the debt in which thats all we were doing, made it so difficult for me to discuss as XXXX wanted it his way or no way. How can a collection agency make such rude comments, not willing to work with you and escalate a situation from a supervisor stand point be able to collect? Now I fully understand that I owe this and was trying to work it out but, u for XXXX XXXX wouldnt allow me to do so. I will pay this with them but they needto work with so that I can. I am officially filing a complaint on United Collection Bureau.
Consumer complaint received 2023-08-16
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. (TX)

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX
Consumer complaint received 2023-08-15
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: EQUIFAX, INC. (TX)

I sent a letter on multiple occasions to XXXX, Equifax, and XXXX. Here is my tracking number. It has been over 30 days and the credit reporting agencies have failed to send my investivation back. This isnt making any Sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account name XXXX XXXXXXXX XXXX, Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2900.00} Balance updated XX/XX/XXXX On record until XX/XX/XXXX This account is full of inaccuracies that violate my rights under the FCRA. This account is reporting to allow the negative reporting to stay on my report for longer than 7 years. They need to correctly update this account or remove it. Considering I am a XXXX Veteran with no taxable income they might as well remove it and move on before I sue.
Consumer complaint received 2018-05-18
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I ordered a XXXX 49 inch Model number XXXX from the XXXX at XXXX XXXX   XXXX, XXXX, NY XXXX for {$760.00}. I arranged for myself to pick it up on XX/XX/XXXX at the XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. On XX/XX/XXXX at XXXX XXXX, I received an e-mail from XXXX XXXX that my order was picked up. I did not pick up this item nor did I give anyone consent to pick it up for me. I called as soon as I saw the e-mail but they were already closed I went to the XXXX XXXX location at XXXX XXXX XXXX, XXXX, NY XXXX the following day to straighten this matter out. I explained to the manager XXXX that I never picked up my order or authorized anyone to pick it up for me. She stated that she was going to look at the video from the night before and that she would follow up with me the following day. She also asked for my drivers license that day and made a copy. 
The following day I never received a phone call and on Sunday XX/XX/XXXX, I returned to this location. The manager XXXX stated that she reviewed the video and that it looked like it was me that picked up the order and the person provided my id. I asked to see the video but she refused to show me. I asked to speak to a District Manager but she stated he was on vacation. I went straight to the closest police station ( XXXX precinct ) and the person at the front desk told me that it is a civil matter between myself and XXXX XXXX and unfortunately they would not be able to help me. They told me the best thing for me to do is get in contact with my credit card company which I did when I got home that day. 
It is obvious to me that this was an inside theft by XXXX XXXX   employees. No one knew that I had ordered a TV, and I have never lost a drivers license. I have never had any issue like this before. I have been a loyal Capital One customer for 12 years and expect Capital One to fight for me on my behalf. I would very much like to see the video of this transaction to prove that it was not me who picked it up. I should not be liable for something that I never received.
Consumer complaint received 2017-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Credit card ( Cash Wise Card ) did n't pay rewards ( cash back ) on my account with the total amount of {$220.00}. 
Wells Fargo Cash Wise Visa Card stated that : '' When you use your new card to make {$1000.00} in purchase in the first 3 month, you earn a {$200.00} cash rewards bonus '', and " Unlimited 1.5 % on any purchase ''. 
On 1st statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$740.00} On 2nd statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$300.00} On 3rd statement from XX/XX/XXXX to XX/XX/XXXX : I purchased {$410.00} On the first 3 months I have used my new Wells Fargo Cash Wise Visa card to purchased more than {$1000.00} as shown above. 
I earned {$200.00} bonus rewards cash back and {$22.00} of unlimited 1.5 % cash back on any purchased. 
I called Wells Fargo Credit Card company to ask them to pay me reward cash back with the total amount of {$220.00}, but Wells Fargo Credit Card company refused to pay my reward cash back with the mount of {$220.00}.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The company listing below unlawfully disclosed private, personal, confidential information to Consumer Reporting Agency. violate the FCRA privacy Company : XXXX XXXX XXXX Account XXXX XXXX Reporting date : XX/XX/2019 violated the XXXX U.S.C 1681 share my personal information without my consent An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is guilty of a misdemeanor and subject to a fine of up to {$5000.00}, if the official acts willfully.

" Any person who knowingly and willfully requests or obtains any record concerning an individual from an agency under false pretenses shall be guilty of a misdemeanor and fined not more than {$5000.00}. 5 U.S.C. 552a ( i )
( 3 ).
Consumer complaint received 2023-07-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (NC)

About a month ago, I changed my autopay settings to add a new bank account and to change the payment frequency. I also requested to delete old bank account that I no longer have access to. Despite making these changes, Earnest drafted my old bank account at on XX/XX/23 for {$990.00}. I have asked them to delete this account and to pay for these fees associated with their unauthorized debit of my bank account.
Consumer complaint received 2023-08-15
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. (PA)

According to Federal law, Child Support is no longer allowed to report on a consumer credit report because it did not arise from a consumer credit transaction. My previous attempts to contact the credit reporting agencies, XXXX and Experian, have gone unanswered. These reporting violations are causing my family and I financial difficulties.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance to the Fair Credit Reporting Act, XXXX  XXXX XXXX # XXXX, XXXX XXXX of XXXX # XXXX, XXXXXXXX XXXXXXXX  # 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 2023-08-15
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)

I pulled my credit report just to see that there was a fair amount of inquiries to my credit report. In the Attachment, it will be a list of accounts along with the date of inquiry. These inquiry accounts are fraudulent and not mine. I did not authorize or initiate any of the inquiries. I also wanted to add XXXX XXXX  XX/XX/2023 which is an auto finance inquiry.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, 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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted are listed in the report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete items as soon as possible Fraudulent Inquiries : Inquiry Name : XXXX XXXX Open Date : XX/XX/2023
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (SC)

Well I have always been a very loyal customer to Wells Fargo all these years I always had my money going missing from my account with them I had to call them about it I had to get a new debit card because somebody took money from my account twice someone took XXXX dollars from me XXXX is always taking money from me too Im going be switching banks soon
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Earlier this year, I opened a complaint, XXXX. As a result of me filing the complaint, on XX/XX/23 I received a letter from XXXX at Capital One. Her contact information is XXXX, ext XXXX. In this letter, she requested that I send a copy of the late fe in question. On XX/XX/23, I sent an envelope with the proof of late charges to the Minnesota address provided. As of today I have not received a refund for the requested charges. I've trying to contact XXXX five times and left a voicemail each time requesting a call back. I have not received a call back from her or anyone at Capital One. The Capital One CID is 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I received a copy of my credit report and see unrecognized inquiries on my report. I have not applied for credit with these companies and contacted the bureau to address this issue. 
On XX/XX/2023 XXXX, XXXX, XXXX XXXX XXXX, XXXX TX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX UT, XXXX, XXXX, XXXX & XXXX all inquired about my report. I do not have any knowledge of these inquiries. Under title 15 USC 1681 ( i ) I would like these investigated for accuracy and authenticity.
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I have a attempted arbitration in the matter of LVNV AND XXXX XXXX. In which they have defaulted in the administrative process. No response or delay in not paying fees regarding administrative process hinder resolving the matter.
Consumer complaint received 2023-06-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

I had a negotiable instrument sent to the Westlake financial payment sept to pay off the loan of my car. I requested that we over pay that way any hidden taxes or fees are paid for. The XXXX XXXX department that handles the payments for Westlake Financial denied my negotiable instrument and kept the property without sending it back, they only sent me copies and not the original that was sent. I will attach what Ive sent including the tender instructions, negotiable instrument, and the affidavit I sent. I also attached XXXX of XXXX letters they sent in a week span stating my balance.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

In XXXX of this year, potential new client attempted to pay me with a {$1500.00} check I deposited, Just to make sure, I did not cash this check but did not draw upon whatsoever. I simply waited the 10 days and when it came back no good believed I had dodged a bullet. 

However, Regions Bank saw it differently and my online access has been locked. My account has been frozen. I have been to multiple branches in person, attempting to get access to my accounts and still cant get access to my account. The account has direct deposit going into from time to time but I can not get anyone in that organization to release the hold.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX
Consumer complaint received 2017-11-04
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: EQUIFAX, INC. (MS)

I HAVE SUBMITTED THE EXPLANATION OF BENEFITS TO XXXX XXXX XXXX SHOWING THAT THERE IS XXXX BALANCE ON XXXX XXXX BILLS. THE PART THAT THEY KEEP BILLING ME FOR IS A DISCOUNT WHICH ERASES OVER NEGOTIATED FEES OF THE HOSPITAL BILL. 
I HAVE DISPUTED THIS SERVAL TIMES AND THEY HAVE NOT MADE THE CORRECTIONS ON MY CREDIT REPORT. THE DEBT COLLECTIONS NEED TO BE REMOVED FROM ALL CREDIT REPORTS XXXX XXXX EQUIFAX. 
I AM GOING TO ATTACH ALL EOB FROM XXXX WHEN I HAD XXXX XXXX XXXXI AND I AM GONG TO ATTACH EOB FROM MY XXXX XXXX FOR XXXX FOR XXXX XXXX. 
I JUST RECEIVED A NEW CREDIT REPORT FROM EQUIFAX, XXXX XXXX XXXX AND THIS IS THE FIRST NEGATIVE INFORMATION THAT APPEARS ON MY REPORTS THAT HAS DECREASED MY CREDIT SCORE BY SEVERAL NUMBERS DOWN. I HAVE DISPUTED THIS MORE THAN 30 DAYS AGO AND THEY CONTINUE TO POST IT. THIS IS AGAINST THE LAW. 
I AM ATTEMPTING TO REFINANCE AND THIS IS HINDERING ME FROM MOVING FORWARD WITH XXXX CREDIT AFTER PAYING IN GOOD FAITH TO REPAIR MY CREDIT FOR THE PAST SEVERAL MONTHS. PLEASE ONCE AND FOR ALL REMOVE THE DEBT COLLECTIONS AS I DO NOT OWE XXXX XXXX XXXX ANY MONEY AND I NEVER HAD A CONTRACT WITH THEM TO PAY THEM MONEY THAT I DO NOT OWE.