davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
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. (CA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (TN)

I sent a bill of exchange to XXXX XXXX for {$690.00} which they received. They responded back to me with a letter which is included. This letter they sent me is not in my file according to them. XXXX rejected my coupon tender of payment stating and I quote " Please be advised per your terms and conditions of the account we do not accept any form of conditional endorsement. All forms of payments must be made from an XXXXXXXX XXXX in Us funds. '' I asked them to provide me per terms and agreement where can I find where they can't receive Conditional endorsement. Their response was it's not in the terms and agreement. I talked to XXXX at Concora Credit and she disclosed this information to me.Therefore if it's not in their terms and agreement, the tender of payment I sent them is valid. 

According to UCC 3-603 ( b ), " If tender of of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of the indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ''
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2023-10-03
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2024-09-17
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. (PA)

I am writing to follow up on our recent communication regarding unauthorized accounts on my consumer report that are linked to identity theft. I never provided written consent or a wet signature for these accounts to be included in my report. 

I formally request the immediate blocking and removal of these fraudulent accounts from my consumer report. Their presence has caused me significant distress, both emotionally and financially, as they misrepresent my true credit history and obligations. These inaccurate entries have impeded my ability to achieve important financial milestones, such as purchasing a home and providing for my family 's needs.
Consumer complaint received 2024-09-17
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. (TX)

I have made multiple attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. The presence of these erroneous items has had a severe impact on my life, causing considerable distress. I want to emphasize that I never authorized or consented to this information being associated with my identity, as I have been a victim of identity theft.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

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 2023-10-25
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # 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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Collection Systems, Inc. (GA)

Debt collector called National credit management reported a debt on my credit report thats not mine and requested for the debt validation on the account and they refused to provide it. Please Im requesting for them to delete this wrong information from my credit reports immediately. Account number : XXXX Company name : National credit management
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received an email on XX/XX/XXXX, from Capital One, signifying that someone had updated my phone number with the company. I looked at this as a potential scam or phishing because I have never done business with or worked with Capital One. I received another email on the XX/XX/XXXX, notifying me of a newly created checking account with Capital One 360 checking. Again, I never have done business with Capital One or created any accounts myself with them. 
I called Capital One the XX/XX/XXXX and asked if there was an account in my name. They found an account was opened on XX/XX/XXXX ( that I did not create ). I asked them to close it and provide me the creator 's identity or the details of the creation of the account. They told me that it would take XXXX business days. 
I never heard anything. 
I called today, XX/XX/XXXX to confirm that the account was closed and was told that they can not give me any information due to privacy and security restrictions. I explained to them that this is not what was originally told to me and this is my identity that has been stolen. 
I need to find out who created my account and to take legal action against that party. I have a right to know that information, being as I am the victim. 
After researching online, I am not the only victim of this situation. There is a reoccurring theme of Capital On opening fraudulent accounts.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

Ive asked experian to update my info in my account for over a year its caused me to be denied loans credit cards and other means of improving my life bc they refuse to simply update my information which will then show a accurate score. I believe if they can continue to add to my score or can cause it to lower the. They are obligated to keep my credit score updated and up to date. The experian site says it has not updated my info and will not unless i pay they will continue to issue out the wrong info according to my credit score.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (CA)

Square closed my account after I received the money on it for no reason and he reserved the money and I desperately need it because I am in financial difficulty I emailed them Hundreds of times and they don't even answer they have held my money for more than a month now without any reason and I can't withdraw it to my bank account please help me Because I really struggled to make that money. 
This is the email attached to the account : XXXX Thank you.
Consumer complaint received 2024-08-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MO)

I submitted a complaint about my loan servicer to CFPB. They responded to the complaint today with false information. They removed me from the PAYE plan, which I have been on since 2017. In their response to my CFPB complaint they stated that I am on administrative forbearance due to the SAVE legislation. That is not true. Just today I got an email from them notifying me that I will be removed from forbearance in 44 days and be forced to make payments again. This is because I am incorrectly on a Standard plan due to their error.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reel Time Capital LLC (CA)

I received an alert from the credit bureau that a new collection was added to my report. I I called the collection agency to find out more info and was told that it came into their office in XX/XX/2023 and 30 days later they added to all 3 credit reports. I asked why wasnt I notified to validate the debt and was told their process is to add to the report and if I want to validate the debt they can send me information. When asked could they tell me anything over the phone about the debt she mentioned its from XXXX XXXX and thats all the info she had. I asked why wasnt I contacted prior to and she said thats not their process. Reel Time Capital LLC reported information on my credit reports without following the debt related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( I ) - ( v ) ; 34 ( c ) ( 2 ) ( ic ) and itemization related information ( 12 CFR 1006.34 ( c ) ( 2 ) ( vi ) - ( viii ) and consumer response information ( 12 CFR 1006.34 ( c ) ( 4 ). I never received anything from the debt collector, however the debt appeared on my credit report without my knowledge. No debt validation letter or no debt verification letter
Consumer complaint received 2023-10-25
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. (FL)

Im accordance whit 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 instruction.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I noticed unauthorized inquiries on my credit report. The following unauthorized inquiries are : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-16
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One canceled my business credit card on XX/XX/year> without notice which caused cancellation to accounts thru automatic payments. They said this was done because I did not provide mandatory information. The only emails I received from them was for my mobile phone and monthly statements. I did not provide my mobile as it also can ring to my office and I didnt want some one else responding on my accounts plus it was aREQUEST! I believe since I am XXXX this is an age related termination and I hope you will see if this is happening to other seniors. 
XXXX XXXX XXXX XXXX XXXX card holder XXXX Zip code XXXX
Consumer complaint received 2022-06-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (AR)

On XX/XX/22 my phone was hacked and 3 transactions occurredon my device totaling {$470.00} on my cash app. In order to stopthem from stealing anything else, I disconnected the data frommy device for a little while. I then did a factory reset to removewhatever gained access to my device. I contacted cash appimmediately once I could download the app again. They sent mea message asking me to fill out questions 1-3 and that questions4-7 were optional. I filled out all questions. These are thequestions : XXXX. What is your legal name, $ Cashtag, email addressand/or phone number linked to the account associated with the'unauthorized ' activity? 
2. What are the dates/times and amountsfor the transactions that you believe are in error? 
3. Why do youbelieve the transactions were unauthorized?

4. What is themake and model of the device ( s ) you were logged into when thetransactions took place? 
5. Which city & state were you locatedin when the unauthorized transactions took place? 
6. Did youforward or provide any account access information to a thirdparty? 
7. Were you instructed to download any other apps otherthan Cash App to access the account in question? 
They sent mean email advising that the investigation could take up to 10 days.In less than 48 hours they sent me a message stating that mycase was closed and denied. They also said, " We compared the transactions you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( s ) was authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed. '' If they looked at my transaction history at all then they would know that I have never used bitcoin and don't send money to people not on my contacts list. At the end of this email they suggested I secure my account using best practices indicating that they know I was hacked. I NEED my money back!
Consumer complaint received 2024-08-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (FL)

Below is the most recent email I sent to Wells Fargo ( WF - settlement email ). I also remember filling out an arbitration notice before but never received any further correspondence. I also submitted a complaint with you/CFPB years ago without further correspondence. I do not recall whether it was against WF. 

Years ago, I complained multiple times to WF about an account that was opened without my consent. I recently mentioned it to a manager but was not told about the class action settlement. I never received any information about the settlement via mail. Said account was abruptly closed YEARS after my complaint, although there was money in the account. I was never refunded. 

Around XXXX, I was forced to sell my house because WF was trying to rush foreclosure and gave me a very difficult time trying to modify my mortgage after missing a couple of payments. I didn't want to sell my house but the manner and frequency of their interactions showed their intent was to steal the house from me. 

I also was charged fees ( mostly checking account ) that seemed suspicious. They always had an excuse. 

I complained about these issues via person, phone and email without any response/solutions. 

Please review my account history for details. In addition, I had some suspicious interactions with staff at two Georgia branches- where a manager and teller may have kept my driver 's license because they were upset I was withdrawing money ( XXXX  ). I called to complain but they claimed they didn't have my license. 

The other interaction which I did not disclose to WF was an employee/CSR at a branch was visibly distraught by WF 's actions against her so much so that she was literally begging me for a job. She stated that they were pressuring her to open accounts ( XXXX  ) and she just couldn't/would n't do it. 

I humbly request that you re-open this class action/settlement or start a new one, because if I, as a potential claimant, was missed or ignored, then there is a very high likelihood that there are many others. I am not sure whether settlement checks were mailed to me, as I have ordered a debit card from them years ago, but never received it although they claimed it was sent. 

Thank you,
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (TX)

US Bank is holding my money XXXX now for a month. I have defaulted on my bills and my support for my children,. XXXX  has now grown over XXXX dollars It has me behind in rent XXXX dollars. 
They are committing criminal acts violating my XXXX XXXX XXXX and XXXX amendment 's! The total accumulation Is almost XXXX dollars. They must be held accountable immediately! XXXX XXXX XXXX XXXX, XXXX and XXXX other support agents who have lied to me and treated me like a XXXX.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

On my cash app someone got into my account and my bank account they took XXXX $ out of someone else account and sent it to mine then had stolen my debit card and used it after sending money to it. So the person is threatening to press charges on me and I didn't do it.
Consumer complaint received 2024-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

My student loans are held by Mohela. Through the PSLF program some of my student loans were forgiven on XX/XX/year>. I continued to make payments as the forgiveness did not immediately show up on my account. It was written on the website that payments should continue until the forgiveness was processed and any overpayment would be applied to other outstanding loans I had with Mohela, and if there were none then I would receive a refund. I have over paid Mohela by {$1300.00}. I have called them multiple times to ask why they have not applied my refund to other loans or sent me a refund directly. On their website it sys they may take up to 90 business days to process the refund. It has been well over 90 business days. I still have some other outstanding loans that mohela has transferred to their new website. These loans are still being charged interest. The original website still shows a negative balance of - {$1300.00}. The amount I overpaid. I called them again to ask about this money they owe me. They told me it's still being processed. I asked them why it has been over the 90 business days that their website states is the maximum processing time and they told me sorry it is still being processed and put me on hold multiple times.