davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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: The Best Service Co.,Inc (AR)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX and XXXX XXXXXXXX XXXX has been sent letters and called numerous times about fraudulent activity that has been listed on my credit report. I have asked for verification paperwork and they will sometimes send stuff and sometimes it's limited. XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX won't even talk about the accounts. Stating they sold them or another company is incharge of the account. I would like to speak to the company that originally stated I have a debt owed. I haven't signed contracts or anything with XXXX XXXXXXXX XXXX or any other company so I don't care if they sold it or not I don't have a contract with them. Also they sent paperwork once but could not produce a signature or video or anything to show that I started the accounts. 

The US Government was involved in a big case about my information and a few other people who information was stolen. It included our social security cards, drivers license etc. I even had money come up not going into my accounts due to the fraud situations. They was shopping and everything with my work check. I submitted information to the creditors but they still never investigated the incidents but instead stated it was verified. They keep asking for affidavits but if the federal government wasn't able to find the people involved why would I keep doing this. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX violated the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the rules and regulations thereunder, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the rules and regulations thereunder, Arkansas General Business Law because they state checks was deposited into my checking account. 

They are improperly holding me liable for the fraud on a account; failing to delete inaccurate, derogatory information from XXXX report ; and engaging in other misconduct. 

As a result of their failure to comply with its legal obligations and negative reporting of reporting to XXXX, I was forced to relocate across the country and was effectively forced out of the mainstream banking system. 


Defendant XXXX violated the FCRA and the rules and regulations thereunder, the Arkansas Fair Credit Reporting Act ( Arkansas General Business Law ) ( AR FCRA ), and state common law, by failing to properly reinvestigate my disputes of inaccurate, derogatory information on my XXXX report and by misreporting and failing to delete inaccurate information on my XXXX report, thus damaging my ability to open a bank account.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-04-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

Im a XXXX citizen who wanted to wire money to XXXX, an equity administrator for the company I was formerly employed with to exercise my stock options. 

XXXX had provided me with detailed instructions to wire money to their checking account at Wells Fargo Bank. The amount was {$67000.00} USD. On XXXX XXXX, I initiated this wire transfer from my bank named The XXXX XXXX XXXX XXXXXXXX in XXXX. 

After waiting more than 7 business days and no acknowledgement that XXXX received my money in their Wells Fargo checking account, I contacted my bank to issue a wire trace. My bank informed me that Wells Fargo had refused my wire transfer and has also refused to disclose the reason. 

Wells Fargo Bank also refused to return my money to my bank as well. This lack of transparency is extremely frustrating and now I have lost {$67000.00} USD. 

Can someone please help me with Wells Fargo Bank to resolve this issue?
Consumer complaint received 2023-04-01
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. (SC)

A representative mis guided us on a payment plan to make sure we were all caught up on payments. One month in XXXX was missed but was paid within 2 weeks after the due date, we have made a payment each month but company has said we are past 50 days late and has used our payments incorrectly and inaccurately. 
Also with the law of 15 USC 1681 a, it should be reported accurately if reported at all between purchase of company and customer. The company is XXXX XXXX XXXX.
Consumer complaint received 2023-04-01
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. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXXXXXX XXXX # XXXX, Account name XXXX # XXXX, Account name XXXX XXXX XXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-02
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (AZ)

On, XXXX several letters where sent to me stating several accounts were being closed due to ( Activity on Account ( s ) with Synchrony Bank indicative of high risk of failure to pay. I have never been late or missed a payment with any Synchrony account. These mass closures ( without any warning ) have negatively affected my Credit score. I have requested information on why these decisions were made. 

Store accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am signed up to receive email notifications when my business account has insufficient funds. However email notifications consistently arrive too late to properly cure. Often overdraft fees have been assessed prior to receipt of the email. For example, it appears that my account went into overdraft on XX/XX/XXXX ( perhaps earlier ), I noticed a fee the next morning on XX/XX/XXXX, and received the email notification the afternoon of XX/XX/XXXX. 
This email notification system is pointless and is a deceptive practice. This is the second instance of raising this issue with CFPB.
Consumer complaint received 2023-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

XX/XX/XXXX : I filed a compliant through CFPB due to incorrect payment count with Mohela. COMPLAINT ID XXXX XX/XX/XXXX : Mohela responded to CFPB compliant with 104 payments qualifying payments. I should currently have 111 qualifying payments based on current employment certification through XX/XX/XXXX that has been uploaded to Mohela 's system. They did not accurately add all of my payments that have employment certification documented on the response sheet to CFPB. When I looked at the payment tracker on Mohela 's website, they do not list the dates of XXXX ( 5 payments ). In addition, the math does not correctly add up. The response shows I have qualifying employment certification from XXXX ; XXXX. This should be 111 qualifying payments ( 9 years and 2 months ).

I will have an additional 5 current qualifying through XX/XX/XXXX to total 116. Will upload most recent certification to Mohela when HR signs it. Therefore, my loans should be forgiven in XX/XX/XXXX.
Consumer complaint received 2023-04-02
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. (NV)

I found multiple items on my credit report that I never applied for or ever had. I sent disputes letters information the reporting agencies of these inaccuracies and have not received any response to my disputes.
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Tuesday XX/XX/24 found bank had closed my 3 business accounts and 1 personal account. When i called for clarification they stated i had deposited a " forged check ''. the check they were speak of was a check in the amont of {$5100.00} that i had taken as a deposit for work for a customer. I had no way of knowing the check was bad, it looked like a legitimate check. I get 1-2 scam calls weekly and typically easily disern them from legitmate business calls, so i am assuming this check was from a scammer as they have not returned any of my calls since the incident. i spoke to bank and explained the sitiuation and they could not articulate how i was suppose to know the check was bad. My accounts had funds in them and i now hace no access to opperating capital for daily exspense or making payroll. the bank was unwilling to reopen accounts or let me withdraw funds from a branch. they plan to take 3 days to fininsh closing accounts then mail me a check for the balance of accounts. closing my opperating accounts means no gas for trucks, no material purchases and no money to pay employess. This is unacceptable.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-23
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. (TX)

Over the past 2 years I have been trying to get my Equifax report but every time i log in to my Equifax I get a code : " XXXX '' and ill call and every time they say they will fix this problem but it has been 2 years and it still hasn't been fixed. I can see my other credit profiles and reports from the other credit reporting companies but only Equifax is preventing me from seeing mine which is making getting some credit products difficult. I would just like to have this problem finally solved. I have already submitted the documents they have asked me to submit many times to know avail.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (TX)

Dear Equifax, I pray all is well I'm contacting you all because after I disputed the XXXX XXXX XXXX account and told you all it is inaccurate and not mine you all continued to furnish this account on my consumer report based soley off of information that was provided to you by XXXX XXXX XXXX according to a rep I spoke with XX/XX/2023 at approximately XXXX central time and according to the letter I recieved from you all about the reinvestigation of this dispute. It is unfair to me as a consumer that you keep furnishing this account based soley off of what the furnisher gave you all. Please see attached documents and screenshots directed towards Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX. I have attached a copy of my drivers licsense so you can veirfy me also proof that the other 2 credit agencies already deleted this account. I look forward to hearing from you all in a timely manner and hope you all have a blessed day.
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 COLLECTION ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HARD INQUIRIES : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX SOFT INQUIRIES : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquiry XXXX XXXXXXXX XXXX XXXX Promotional Inquiry XXXX XXXX XXXX XXXX  Prequalification for Credit Card XXXX XXXX  XXXX XXXX Direct to Consumer Report XXXX XXXX XXXX XXXX  Promotional Inquiry XXXX XXXX, XXXX XXXX to XXXX Report XXXX XXXX XXXX  XXXX  Promotional Inquiry XXXX XXXX XXXX Prequalification for Mortgage XXXX. XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX XXXX Automated Consumer Interview System XXXX XXXX Account Review Inquiry 13. TRUECREDIT/XXXX
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XX/XX/2021 XXXX They are reporting inaccurate information to my credit report I have asked several time for them to verify this information that is not mine I have reached out no response back this need to be removed off my credit report due to the fact it is fraudulent
Consumer complaint received 2023-03-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-03-16
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: EQUIFAX, INC. (NC)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$130000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$22000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$56.00} ; XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$8900.00} ; XXXX  XXXX XXXX Balance : {$270.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX : {$1100.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX BANK XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX