davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (AZ)

I have a Way2Go Card ( XXXX XXXX ). I have been unable to use the card issued to me for the past week. It got rejected at XXXX, XXXX, and XXXX XXXX. The phone number on the back of the card ( XXXX ) does not allow me to speak to anyone about this card. I have not been able to start an online chat as I am not given the opportunity to do so. I am asked for my card number or social security number. When I enter my social security number I am told this is an invalid entry ( though I'm pretty sure I know my own social security number after having it for XXXX years ). It them tells me I have to enter a XXXX digit card number which I do, even though at this point it no longer permits me to enter my social security number. In order to start a chat you have to provide a card number. When I do I am not able to start a chat. The back of the card says that this company is available XXXX hours a day, XXXX days a week. But it doesn't matter when I call them as they do not answer their phone. I did a web search and found another phone number ( XXXX ) for this company but I am not given the opportunity to speak to anyone either. There is no email address provided to me which I can request information regarding this card and why it no longer works. I also tried using a third phone number ( XXXX ) - this one obtained from XXXX -regarding this company and I am not permitted to speak to anyone at this phone number either. I was prevented from logging in to my account, even after providing the proper username, password, and answering the Security Question ( first name of childhood friend ) correctly. I have attempted contact by XXXX phone numbers, online chat, email, and website access and can get no information why I can't use my card or why I can't speak to anyone about it, or why I can't start an online chat with someone. The only option at this point it appears is to write them a letter and mail it USPS, provided that the address they list on their website is indeed a correct address to which they will respond, which at this point I have my doubts about this as well. In light of this, I had no recourse but to file this complaint with the CFPB. I would love to upload documents regarding this complaint, but as I have stated I have no access to the company. I could make a voice recording of the company 's " customer service autobot '' and the absurdity the " phone maze '' takes in preventing me from speaking to someone at this card company. But I can not upload it here - only documents -- which I don't have access to because I can't speak to anyone at this company.
Consumer complaint received 2023-06-22
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. (AZ)

I told Experian, XXXX, and XXXX to reinvestigate this account. However they stated everything was complete and accurate. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Also this account is not even in compliance with metro 2 credit reporting. I have the evidence to prove my case.
Consumer complaint received 2023-06-22
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. (AL)

I am sending this CFPB complaint for you to know that I am a victim of identity theft. The current status should not be shown or re-appear on my file since I was already called the 3 credit bureaus to remove such inaccurate information. Credit Reporting Agencies lack proper record-keeping. The items are closed and when I requested records to prove theyre reporting erroneously and they failed to provide me with any evidence. Lets delete these immediately. The Bureaus are required to delete them all, but they failed to neither remove them. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise, remove these items 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 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 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 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 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 2023-08-15
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 — Their investigation did not fix an error on your report
Company: TAG Intermediate Holding Company, LLC (TX)

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b. Also Company has NO permission to report ANYTHING using my info pursuant to 15 USC 1681a ( 4 )
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

My account has been involved with fraud. I had {$2000.00} drained from my account due to fraudulent charges. I was been contacted by what I thought to be Wells Fargo as the phone number on the back of the card matched and was on the phone with his so-called representative for over an hour. That also turned out to be fraudulent. When I realize that my card was still getting fraudulent charges the next day, I called Wells Fargo and they stated they had not seen any remarks about anyone talking to me the day prior. I have since done over the last few weeks intently. Been trying to get a hold of somebody to help me. They did credit some back to my account in the amount of XXXX something dollars however then sent me a letter stating that my case was closed due to their investigation being complete and stated that either I made the charges or give somebody permission to make the charges which neither are true. I still to this day XXXX fighting to get my {$2000.00} back that I got for my high school graduation and I am not being able to get anywhere with anybody without being transferred several times or hung up on. Please advise me of what I can do in order to rectify the situation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

NO! I'M NOT DISPUTING THINGS WITH YOU! XXXXXXXX XXXX! YOU SCAMMED ME! YOUR AGENCY IS COMMITING FRAUD! I AM NOT GOING TO INTERACT WITH YOUR PROCESS! XXXXXXXX XXXX! PAY ME NOW! I'M GOING TO SUE XXXX XXXX XXXX XXXX YOU! WHAT PART OF CEASE AND DESIST DO YOU NOT UNDERSTAND!? TOTALLY INAPPROPRIATE RESPONSE. AGAIN!
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. (GA)

This is not a duplicate obviously experian did not read the documents these are fraudulent inquiries listed in the ftc report XXXXXXXX XXXX XXXX  Date of request XXXX XXXX XXXX XXXX XXXX  Date of request XXXX XXXX XXXX Date of request XXXX XXXX XXXX XXXX Date of request XXXXXXXX XXXX XXXX XXXX XXXX Date of request XXXXXXXX XXXX XXXX XXXX Date of request XXXX XXXX XXXX Date of request XXXX XXXX XXXX  Date of request XXXX XXXX Date of request XXXXXXXX XXXXXXXX XXXX Date of request XXXX XXXX XXXX XXXX Date of request XXXXXXXX XXXX XXXX Date of request XXXXXXXX XXXX XXXX XXXX XXXX Date of request XXXX XXXX XXXXXXXX XXXX XXXX  Date of request XXXX XXXX XXXX XXXX  Date of request XXXX XXXX XXXX Date of request XXXXXXXX XXXX XXXX XXXX Date of request XXXX
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  XXXX is my mortgage company. My monthly payment was set up from my XXXX Checking account in the amount of {$2900.00} on the first of every month. 

XXXX conducted an escrow analysis in XX/XX/2023. XXXX XXXX XXXX had adjusted the property tax rate which changed my mortgage, and XXXX determined I owed an additional {$37.00} a month, changing my mortgage to {$2900.00}. 

I wasn't effectively made aware of the change. The {$2900.00} autopay was deducted from my acct in XX/XX/2023 and not returned. So the {$2900.00} was in the possession of XXXX XXXX, minus the {$37.00} to make my account current. And there was nothing to alert me that I owed them the difference. 

This same scenario happened in the month of XXXX while I was on travel. I reviewed my mortgage statement online and saw that I owed them the difference of {$37.00}, and paid them from my XXXX checking acct to make the acct current, and then adjusted my XXXX XXXX  autopay to reflect the {$2900.00} as the new payment going into XX/XX/2023. 

They failed to give me credit for that adjustment in XX/XX/2023, and held my account in suspense and then forwarded a written letter to me that I didn't recieve until XX/XX/XXXX when I returned home from travel. 

My comprehensive review of my mortgage payment history never reflected a late payment, and there are accounting errors that don't add up between the .pdf statements and the .pdf summary. 

in XX/XX/2023, without any warning or attempt to recover the {$78.00} I owed to make the acct current, they reported my to the credit bureau. My XXXX credit score was reduced to a mid XXXX score effecting my life, my businesses, and my ability to take care of my family. 

Further confusing the situation. My amended XX/XX/2023 payment shows me owing XXXX {$180.00}, which isn't accurate. I will {$2900.00} on XX/XX/XXXX.
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
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)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-22
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. (DE)

The problem I'm having is I've contacted the 3 major credit bureaus and asked them numerous times to validate inaccurate information on my credit report. I will attach the letter I sent to all 3 credit bureaus.

All 3 bureaus mailed dispute result back claiming to have verified the items on my credit report. Now the issue occurs because they did not validate the information from the original data furnisher via by mail they did it electronically and also, they never produced a copy of the signed contract with my name on it. The 609 Fair Credit Reporting Act the ( LAW ) requires that the information on my credit report must be accurate, verifiable and not outdated and 100 % accurate. They all have failed to comply with the law and now I'm seeking assistance from the CFPB.
Consumer complaint received 2023-06-22
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (WA)

In XX/XX/2022 we were offered by nation star a chance to defer our monthly mortgage for a year due to Covid, after which the federal would be added to the end of our mortgage contract. In XX/XX/2022 we began calling to begin paying again whereby nation star told us we needed to apply. We had already been told and applied online, answering their info so we assumed we were already accepted. When we tried to begin paying they told us we needed to send documents which we did for 5 months. We sent over 35 documents but they kept delaying. Finally we decided to sell to cover our mortgage costs. On closing they charged us interest for all those months
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-21
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: W&A Intermediate Co., LLC (MS)

My report have my social number incorrect and my name, address is incorrect as well. And it constantly putting my credit in a bad position when the information isnt correct. 

Trying to get money out of me when the account of been sold thru a 3rd party and they constantly hitting my credit report when they dont suppose to.They cant identify my original account etc
Consumer complaint received 2023-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (OH)

I received a mailed letter from American Coradius International claiming I have a debt from XXXX of XXXX dollars as of XX/XX/23. I confirmed with XXXX that nothing linked to my unused account shows a balance or debt ( confirmed with transaction statements ). They stated that anyone can use someones name and social to start an account because there is no verification process.
Consumer complaint received 2023-07-30
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. (NJ)

I have a late payment on my consumer report from XXXX XXXX XXXX account XXXX I have never had a late payment This fraudulent accusation is affecting my life and my credit worthiness as well as late payments are against the law because consumer report does not include any of the following : any report containing information solely about transactions or experiences between the consumer and the person making the report ; any communication of that transaction or experience information among entities related by common ownership or affiliated by corporate control ( for example, different institutions that are members of the same holding company, or subsidiary companies of an insured institution ) ; Under the Fair Credit Reporting Act ( FCRA ) and various consumer protection laws, companies are prohibited from reporting any information about a consumer 's account without their written consent. At no point did I provide authorization for you to report late payments or to the credit agencies or give the agencies my written consent the account. 
By reporting this information without my written consent, you have violated my privacy rights under the FCRA and other consumer laws. Reporting inaccurate and unauthorized negative information about my account is illegal and has damaged my credit score.I try to dispute this fraudulent information with Experian credit reporting agency and they have failed to remove it
Consumer complaint received 2023-07-29
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. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-07-29
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. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-06-22
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX