davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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: Essential Lending Inc (TX)

For several years now a few times a year I get a Notice of Adverse Action via email from Wise Loan to a very old email address I do not actively use ( XXXX ) It always has extremely out of date information listed for me. 
Every single time it happens I contact them via the email address they provide in their email and they skirt the blame and say my info was used on a third party site and no loan was given. They refuse to provide me any information about the application like the XXXX address, the device use, or even the name of the third party lead generation company yet they claim they want to help me. 
They also promise they will block my info and never contact me again, yet like clock work a few months later I get another Notice of Adverse Action and have to spend my time dealing with their continued fraud. 
To be clear I have NEVER applied for any loan like this, in fact through my consulting firm I advise leading companies like Wise Loan and in fact their investors have probably used my service in the past. I have also never used any lead generation credit company for any kind of credit application and in fact I have not applied for any form of credit in well over 5 years. 
Their harassing of me needs to stop. I find it amusing that they claim they can not block my information. If they can not perform that basic task then there is no way they comply with dozens of federal and state regulations. Simply through XXXX  they owe me well over $ XXXX and I will be pursuing a complaint regarding that with the FTC. 
It is time they are punished for their violations. XXXX seems to be an easy one. If they contact me and send me a check for {$5000.00} I will not engage an attorney and seek a XXXX figure settlement.
Consumer complaint received 2024-10-19
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)

I received a Cash App card in the mail on Tuesday, XX/XX/XXXX. I had not applied for an account with Cash App. ( I had never even heard of Cash App before receiving the card. ) On Wednesday morning, XX/XX/XXXX, I called Cash App and asked that the account be closed immediately. I also asked for information about how the account was opened. I spoke with XXXX. I responded to the questions and uploaded photos of the card as instructed. I asked for written confirmation that the account was closed. 

On Thursday, XX/XX/XXXX, I still had not received written confirmation ( or any confirmation ) that the account was closed or why it was opened in the first instance. I then wrote to XXXX XXXX, the XXXX XXXX of Cash App, advising her of what happened and asking for confirmation that the account was closed and why it had ever been opened. I wrote to her at the email address on the California XXXX XXXX public website as I was unable to find an email address for her at Cash App. 

On Friday, XX/XX/XXXX, I sent another email to the Cash App email address asking for confirmation that the account had been closed and any information regarding why this happened. 

As of Saturday morning, XX/XX/XXXX, I have still not received confirmation or any information of why this happened. 

Obviously, I am concerned about identity theft and on Wednesday, XX/XX/XXXX, I checked my credit reports on all three reporting agencies and also submitted a fraud alert. I also checked my bank account. If it is not identity theft that led to the opening of the account and issuance of the card, then perhaps Cash App is just sending cards to people to increase market share. If so, its disclosures are inadequate and misleading.
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (FL)

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, After EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/year>, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Consumer complaint received 2024-09-04
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX 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 2024-10-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DISCOVER BANK (NY)

I submitted to XXXX XXXXXXXX XXXX a filled Direct Deposit form for my employment payroll the XXXX an officer signed the form as shown attached then serviced the form to Discover Bank, the bank then returned the form to me XXXX XXXX in the postage XXXX attached. I already submitted a complaint over this and am very unhappy upset with closed and my funds not accessible in my bank account at Discover Bank XXXX XXXX XXXX account number is attached or in this complaint. The complaint already submitted to the consumer financial protection bureau is complaint number XXXX. I attached the evidence as well as my pay dates. XXXX suspended senator orders will not permit my military payroll to be stopped even if the positions are taken. The XXXX signed the form and updated the direct deposit the bank returned the form, i am not receiving any of the payroll to the extent i am forced to be on XXXX because i can not eat without it and i am XXXX XXXX with assignments and still working. Attached
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (SC)

We have received additional information to counter attacked XXXX phony claim. 

The cited they are protected by Section 603 ( x ). I demand they provide the total content of this provision of this statue. When we looked up Section 603 ( x ) this is what we discovered : Section 603 ( x ) provides special procedures for investigations of suspected misconduct by an employee or for compliance with Federal, state or local laws and regulations or the rules of a self-regulatory organization, and compliance with written policies of the employer. 

I am NOT an employer of Any of XXXX XXXX clients. Weather that be XXXX  XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

So this file should NOT be closed until they provide us the complete statue that protects them from the FCRA. 

If they choose to not furnish this information to the CPFB or any government agency, we are ready to litigate. 

Ad every violation that they have violate in punishable up to {$1000.00} and there are many cited here. 

Early Warning Systems is claiming these same nonsense statue, " Specialty Consumer Agency ''. There is not such statue on the federal level of such. If it is, we are also demanding they provide us and the CPFB the very statue they claim protects them from the FCRA. We do not want a form letter. We want the very statue that protects them or we litigate here also.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (PA)

There are false accounts reporting to early waring services, and XXXX XXXX that are hindering me from securing traditional banking services. I am the XXXX XXXX XXXX and have a different middle as well as an additional last. I am either a victim of identity theft or these companies are pulling misinformation from the other XXXX XXXX in my family. I honestly do not know which has happened, I have no knowledge of opening these accounts let alone making transactions within them and I am being held responsible for the monetary loss of these institutions and I had no part in any of this. I am a young man trying to become a responsible and I can not even open a bank account. This is disheartening to say the least. Please help me, when I reach out to these institutions I am receiving no help or way to rectify these situations.
Consumer complaint received 2024-08-27
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. (AZ)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (SC)

Wells fargo Mortgage did not compensate for the CFPB Wells fargo settlement in which we were denied a loan modifications in XXXX and placed in foreclosure. 

We have contacted Wells fargo mortgage about this settlement in which we were told their department doesn't handle the settlement in regards to wrongful foreclosures and loan modification errors. 

In which the CFPB ordered WELLS FARGO MORTGAGE to pay more than {$2.00} XXXX in redress to consumers and a {$1.00} XXXX civil penalty for legal violations across several of its largest product lines. Improperly denied mortgage modifications : During at least a seven-year period, the bank improperly denied thousands of mortgage loan modifications, which in some cases led to Wells Fargo customers losing their homes to wrongful foreclosures. The bank was aware of the problem for years before it ultimately addressed the issue.. 

No one has contacted us or offered co.pensation for this particular matter of wrongful denial of a va modification we qualified for.
Consumer complaint received 2024-08-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-28
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: CBC Companies, Inc. (CA)

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX  score. 
Below are the details of the accounts in question : CBC/XXXX XXXX XXXXXX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CBC/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AR)

After filing a dispute with citibank for an unauthorized transaction and receiving the credit for it. Couple hours went by me tried logging to my online banking and was unable to after I reached that to them they basically told me that my account was under review and that I would get an update back within 28-48 hours. After time past I still didnt get no update back so I called them back and basically told me the same thing they told me before my account is under review and would have to wait 28-48 hours for an update after them telling me that again I just hung up on them. Several days past tried to log into my citibank online banking once again and still was unable to log in now it was telling me that I had to enter my debit card number and other information which I did after it said that my information was invalid so after seeing that I got a little stressed and called them again this time After giving them my information they basically told me that the reason im unable to log in to my account is because they decided to end there relationship with me after waiting 7 days which was confusion because how does my account suddenly gets locked after filing an dispute. I had a balance of {$120.00} in my checking account. this happened around the first week of XXXX XXXX XXXX
Consumer complaint received 2024-08-28
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. (AZ)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$7000.00}
Consumer complaint received 2024-09-27
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TN)

I am writing to formally complain about Early Warning Services ( EWS ) for their failure to comply with my explicit written instructions regarding the furnishing of my personal information. Despite my clear directive, EWS has continued to furnish my information to third parties, in violation of both the Fair Credit Reporting Act ( FCRA ) and the corresponding Code of Federal Regulations ( CFR ) provisions. XXXX XXXX XXXX  Violation of FCRA and CFR Regulations Under 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency is only permitted to furnish a consumer report if it has obtained the consumers explicit written instructions. I provided such instructions to EWS, clearly stating that they should not furnish any of my information. By disregarding my instructions, EWS has violated this provision of the FCRA.

Additionally, 12 C.F.R. 1022.10 ( b ) reinforces that consumer reporting agencies must obtain a consumers explicit written consent before furnishing their information. EWS 's failure to adhere to this regulation constitutes a breach of federal law.

Moreover, 15 U.S.C. 1681e ( b ) and 12 C.F.R. 1022.42 ( a ) require consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. EWSs disregard for my explicit instructions compromises the accuracy and integrity of the data they are disseminating.

# # # Supporting Case Law The following federal court cases support my claim that EWSs actions are in direct violation of the FCRA and CFR regulations : 1. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ** : In this case, the court ruled that failure to follow a consumers explicit instructions under the FCRA is a violation of statutory obligations, holding the reporting agency liable. 

2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) ** : This case established that consumer reporting agencies must follow reasonable procedures to ensure the accuracy of their reports, which includes adhering to consumer directives. The court found in favor of the plaintiff for the agencys failure to comply. 

3. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) ** : The court ruled in favor of the plaintiff, stating that the consumer reporting agency 's failure to comply with the consumers instructions violated the FCRA, supporting the consumer 's claim for damages. See attached
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-28
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Finance LP (TX)

I am writing to file a complaint against Selene Finance. I have been trying to get the company to send XXXX the needed information so that XXXX  could actually close the account. I have had over 20 phone conversations with representatives and supervisors. I am constantly explaining the process of what I need them to do. I have been dealing with Selene Finance since XX/XX/XXXX. 
Selene Finance told me that they had sent XXXX  the information in XX/XX/XXXX. XXXX  said they did not receive any information from Selene Finance stating the account had been closed I asked could they resend the information and I was told no. I then asked could I get the information sent to me via email. I was told that email would take up to 7 days to get to me. They told me the only way I could get the information faster was through mail. I waited several days for the mail but never received anything. I called Selene and told them that I did not receive the letter. They found out that they sent it to the wrong address. They sent it to the property address and not the mailing address. This was upsetting because we have not owned the home since XX/XX/XXXX. After putting me on hold, they sent me the letter within a few minutes. This was upsetting because it is evident I could have received this email the same day I requested it. I asked them if they could send the information to XXXX  and was told I should send the letter they sent me over to XXXX  and that should take care of the issue. 
Selene Finance has constantly refused to send the document they sent me to XXXX.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc (TX)

On XX/XX/XXXX a XXXX  transaction posted on my Affirm card. I contacted them right away and informed them it was an error because I did not book or make any transactions with XXXX. 
I contacted XXXX to make sure there wasnt any bookings under my account and they confirmed. I sent this information to affirm by email. 
I submitted a dispute with Affirm and have been contacting them since XX/XX/XXXX every XXXX  days they tell me they will have the appropriate department contact me in XXXX days. No calls or email regarding this matter have been received from them the transaction has not been removed from my account and now they are trying to have me pay for this transaction I did not make or receive any services for.