davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
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. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CT)

XXXX XXXX XXXX claims I owe an amount of {$190.00} to Wells Fargo, this amount represents closing balance in checking account ending XXXX. As explained in prior CFPB complaint, this account was opened by Wells Fargo, not myself, was not authorized. The account was used, had little activity including a debit card purchase from XXXX, item purchased was lost/stolen, sebt via XXXX  wirh a forged signature. Wells Fargo accepts forgery as true and correct, reversed temporary credit in amount of XXXX XXXX XXXX referred account back to Wells Fargo , advised they would reach out in re, have not heard back.
Consumer complaint received 2023-10-19
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. (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2023-06-02
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: EQUIFAX, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Avant Holding Company, Inc. (NY)

I sent a notice for refund due to treatment of credit balance. XXXX XXXX to Avant , LLC At XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX by certified mail which was delivered on XX/XX/2023
Consumer complaint received 2023-10-18
Product: Credit reporting 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)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy 15 USC 1681 section 604a section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666 b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TN)

It started XX/XX/2023 I had a XXXX debt card link to chime card so the next business day I notice my XXXX balance was low and transaction XXXX transferred to chime account I called chime to make them aware of institution they advise me will handle my account allow 5-10 business days so chime suppended the account to fix and then close account. It never got fix I spoke with supervisor and several repsentative no one could give me reason why the account was close and refuse to give me Access just it my funds left on account I still to this day get my funds I deposited on card.i even I my daughter call get update still didn't get any where I even record the call.i want my funds due to me
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc. (MD)

I am writing in regard to a problem with Square Payroll. I joined Square Payroll on XX/XX/23 for my LLC. This LLC is my business for consulting and contractor work for reviewing patient charts and doing XXXX XXXX work. I ran the first payroll on XX/XX/23 which was to be paid out to the sole employee on XX/XX/23. The {$9400.00} was deducted from the business account on XX/XX/23. On the morning on XX/XX/23, an email was received that the account was deactivated and referred me to Section 11 of terms and conditions for the reason. Section 3, # 11 states that is is prohibited use the Services for any illegal activity or goods or in any way that exposes you, other Square users, our partners, or Square to harm ; or. And Section 11 of the general terms is related to Taxes. As such, it is unclear why my account was deactivated as I am neither engaged in illegal activities nor have any current outstanding tax obligations. I called customer service and was referred to Account Management representative XXXX who advised he could provide no further information regarding the deactivation. He stated that though the money was deducted from my business account, it no longer appears in my Square account and believed that the e-check was already sent. He referred me to Payroll representative XXXX for confirmation and she stated the payroll will not be run and that perhaps the money would be returned in 4 days. I called back later in the day and spoke with another representative who stated that the payroll would be run as scheduled and the direct deposit would be done on XX/XX/23. On XX/XX/23, though my account with Square Payroll was deactivated, the took {$41.00} for a payroll processing fee. 

On XX/XX/23, the employee payment was not received nor was the money returned to the business account. On XX/XX/23 I called in and was told the payroll had been cancelled on XX/XX/23 at XXXX XXXX. I requested the date of when my funds would be returned and they would not provide that information. 

I find it reprehensible that the account was deactivated with a reference to illegal activity which is a patently false accusation. Furthermore, the inability to definitively tell me exactly where my money is and when it will be returned is truly disturbing. I would like the money returned immediately. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-19
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. (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 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 2023-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CT)

Radius Global Solutions claims I owe an amount of {$190.00} to XXXX XXXX, this amount represents closing balance in checking account ending XXXX. As explained in prior CFPB complaint, this account was opened by XXXX XXXX, not myself, was not authorized. The account was used, had little activity including a debit card purchase from XXXX, item purchased was lost/stolen, sebt via XXXX wirh a forged signature. XXXX XXXX accepts forgery as true and correct, reversed temporary credit in amount of XXXX Radius Global referred account back to XXXX XXXX XXXX advised they would reach out in re, have not heard back.
Consumer complaint received 2024-10-10
Product: Credit reporting 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)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
Account name : XXXX XXXX XXXX XXXX  XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (CA)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against the credit reporting agencies ( Experian, XXXX, XXXX ) for not properly responding to my demand for wet ink signature agreements in the investigation for verification of the accounts making claims on my report. 

I have been trying to dispute inaccurate information on my credit report for several weeks now. 

I have contacted the credit reporting agencies multiple times and have sent them demand for wet ink signature agreements requesting that they investigate the accounts making claims on my report. 

However, the credit reporting agencies have not responded to my requests and only updated the information furnished from the same entities that initiated the erroneous claims to extort money from me and further injure my reputations I am frustrated and concerned that the credit reporting agencies are not taking my dispute seriously. 

The inaccurate information on my credit report is having a negative impact on my life. 

I am being denied credit because of the inaccurate information. 

I am also concerned that the credit reporting agencies are not following the laws and violating my rights. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes and to correct inaccurate information and report in accordance to my written instructions. 

The credit reporting agencies are not complying with the FCRA by ignoring my requests and demands. 

I am requesting that the Consumer Financial Protection Bureau investigate the credit reporting agencies for their failure to respond to my demands for deletions of the XXXX XXXX XXXX XXXX XXXX, all hard and soft inquires, and records of late payments including XX/XX/90 day late payment reporting on the grounds that my signature consent was never garnished in the reporting of any of my information, my rights were never disclosed which wasted even more valuable time, and this very nature of the credit reporting practices being discriminatory, predatory, and defamatory ; which has led to adverse actions preformed against me, wasted time, mental anguish, significant financial hardship, and an unjust monetary benefit at my expense due to their cooperation with other companies to extort me by deceptively violating my consumer credit transaction rights. 

I am also requesting that the Consumer Financial Protection Bureau take action to ensure that the credit reporting agencies comply with the FCRA. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX XXXX Account Number : XXXX It's showing that I've had 3 late payments. There are payment history discrepancies along with a multitude of other inaccuracies that I've found. 

Consumer Reporting Agencies should always go about their way to comply and represent maximum accuracy. 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2024-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (NC)

I have been attempting since XX/XX/year> to communicate with this company regarding the successor of interest documentation needed to pursue loss mitigation options on this account. I submitted a complete loss mitigation application on XX/XX/year> which was denied because I was not confirmed successor of interest on this account, even though I completed and handed them over all the estate documentation and evidence from the court I was the administrator of my mother 's estate. This company is refusing to communicate to me about this account because they keep delaying processing my successor of interest and has sent notice to my residence regarding foreclosure as I am attempting to engage in loss mitigation, in violation of state law. I am unable to speak on this account anytime I contact this servicer about this estate account because they are refusing to process any information I give them to confirm my successor of interest in this account.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a 1099 c form for tax purposes on a charge- off account. This debt is listed as payable income by me doing so. How can this still be reporting on my credit report it violates the FCRA and not only that several inaccuracies are constantly being reported and keeps being verified as accurate with no proof.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Hello, I have been trying to contact all three credit bureaus to get the XXXX and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Consumer complaint received 2023-10-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.
Consumer complaint received 2023-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prosper Marketplace, Inc. (MD)

I received a personal loan from PROSPER on XX/XX/XXXX in XXXX for {$15000.00} XX/XX/XXXX I requested a credit card increase from XXXX XXXX XXXX and the bank then sent a check for {$13000.00} to Prosper at the address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
I waited over XXXX week but heard nothing back from Prosper so I contacted my bank and a representative told me that the check was sent to Prosper on XX/XX/XXXX. I called Prosper to asked what happened to the check that was sent by my bank and the Prosper representative told me that I sent it to the wrong address so I explained to her that is the address that is in my email. I had to called back XXXX XXXX XXXX and explained to them that PROSPER stated that they never received the check, ( XXXX  ) immediately placed a stopped payment on the check. I called back Prosper and told them this and I was given a different address to mail the check. NO further checks were mailed because we ( XXXX ) wanted to wait to make sure no one tried to cash the first XXXX. However, on XX/XX/XXXX PROSPER updated my account balance {$13000.00} paid in full. I was shock I called/email to let them know that a stopped payment was placed on the check. They got me for insufficient fees, late payments fees and other fees. I have email and made phone calls and was told that those fees were waived, but they are not. The loan agreement is for me to pay {$310.00} per month on the XXXX but because of all the confusion I requested for them to changed the payment date for the XXXX of each month. Now Prosper is auto withdrawing extra fees 2 times in a month separately from the {$310.00} loan payments without my permission, this is causing a great deal of hardship.
Consumer complaint received 2023-10-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (MO)

As of XX/XX/23 BMO XXXX  is advertising a 5.20 % APY 6mo CD and 5.50 % APY 12mo CD. I already have a 6mo and 12mo CD with them as well as a HYSA. I applied to open another of each and was declined. In the email it said information may be entered incorrectly and to try again. I reapplied to the same CDs and was declined again. I contacted BMO XXXX over the phone. Their representative told me to generate a consume report with XXXX to verify my personal information matched. I did this and everything I submitted previously matched the report. I resubmitted my application and was denied again. I called them back and the representative said they did not know why the application was denied and there was no path forward. Frustrated with this I called again and was given the same answer that they do not know why it was being rejected and could not escalate of fix the issue. Again I already have 3 accounts with them and ~ {$50000.00} in assets with them. I can not understand why they would reject my application and apparently they can not justify the rejection either. It seems fraudulent to advertise a rate that isn't actually being issued.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX