davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken (CA)

Dear Sir or Madam of CFPBs Complaint/Dispute Department , I wish to practice my right as a customer of XXXX to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute with XXXX do not have any accounts associated with XXXX but rather and got scammed by this folks who own the wallet address that addressed on the letter ( see attached ), using XXXX as only means to communication and other known wallet addreses. Commencing on or around XXXX XXXX XXXX I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX using the domain XXXX, with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. It should be noted that the Company is a client of yours, the owner of wallets : The scammers were committing financial crimes, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX and XXXX wallet utilizing and transferred to XXXX. Thank you, XXXX
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (CT)

Block Inc. and/or cashapp have closed my account with them suddenly for no reason. I requested information about the reason and they refused to provide one. They referred me to their ToS ( Terms of Service ), but I had done nothing to violate them in anyway. I was told I could appeal, but then was told I wasn't " eligible " to appeal and that the decision was final. I wasnt given any other reason or context and there is no way for me to move any further in regards to finding the actual reason, or getting my account reinstated. I first contacted the comptroller of the currency, but they referred me to the CFSB.
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I found that there were four bill pay transactions totaling {$23000.00} to XXXX XXXX XXXX account XXXX. That same day I notified Wells Fargo. They sent me a letter sating that the transaction was authorized by me and the case was closed. I sent an affidavit claiming I did not authorize them. They again responded I did authorize them and I did not prove that I didnt authorize them and the case was closed. 

Timeline Wells Fargo Fraud Complaint XX/XX/XXXXXXXX XXXX payment made to XXXX XXXX account XXXX {$4700.00} Claim # XXXX XX/XX/XXXXXXXX XXXX  payment made to XXXX XXXX account XXXX {$9700.00} Claim # XXXX XX/XX/XXXX XXXX payment made to XXXX XXXX account XXXX {$4600.00} Claim # XXXX XX/XX/XXXXXXXX XXXX  payment made to XXXX XXXX account XXXX {$4800.00} Claim # XXXX XX/XX/XXXX I discovered the transfers and reported them to Wells Fargo by phone XX/XX/XXXX Wells Fargo wrote stating I was to send an affidavit within 10 days or the case would be closed. 
XX/XX/XXXX I went to the XXXX Wells Fargo Branch and the manager sent the affidavit by fax. 
XX/XX/XXXX I contacted Wells Fargo fraud and was advised they didnt receive the fax and closed the case. 
XX/XX/XXXX I went to the bank and the manager again sent the fax and escalated the claim. 
Escalation ID XXXX. 
XX/XX/XXXX I called Wells Fargo fraud and was advised the case again was closed. I requested documentation be mailed to me. 
XX/XX/XXXX I received a call from someone identifying as XXXX from Wells Fargo stating she was going to Investigate my claim and would email me by XX/XX/XXXX. 
XX/XX/XXXX I contacted Wells Fargo fraud checking for updates. I was advised the case was now assigned to XXXX. 
XX/XX/XXXX I called Wells Fargo fraud and was advised by XXXX that the case was closed. I was then transferred to the escalation section. I spoke to XXXX who said she would investigate my claim. I related previously speaking to a XXXX who called from Wells Fargo. She stated that was probably a fraudulent call. Never take a phone call from Wells Fargo. She said that her computer went down and she would call me back. I told her to email me instead. 
She never responded. 
I received documentation of their investigation which didnt make much sense to me since it just contained IP addresses. I assumed that they would contact XXXX XXXX and determine who received the funds and why.
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2024-07-10
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-10-01
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. (MI)

RE : You Violated U.S. Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) by Furnishing Reports in Connection with Credit or Insurance Transactions Not Initiated by the Consumer.

To Whom It May Concern After reviewing my consumer credit report, it is clear your agency is in multiple violations, and I am entitled to monetary compensation under FCRA 15 U.S. Code 1681s-2 and 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Your agency has furnished reports in connection with credit or insurance transactions not initiated by me, the consumer. The law is explicit : ( A ) The consumer must authorize the agency to provide such a report.

( B ) ( i ) The transaction must consist of a firm offer of credit or insurance.

( 3 ) A consumer reporting agency shall not furnish a record of inquiries in connection with a credit or insurance transaction not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( 2 ), any person obtaining a consumer report under pretenses or knowingly without a permissible purpose is liable for actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) : XXXX XXXX XXXX XXXXXX/XX/XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXX XXXX XX/XX/XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXXXXXX XXXX XXXX  XX/XX/XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
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: EQUIFAX, INC. (FL)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, 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. (TX)

When I applied for a credit card I decided to check my credit report and I see a significant amount of unauthorized inquiry 's on my report. The following unauthorized inquiry 's are : XXXXXXXX XXXX XXXX. Which is not even connected to an open account.
Consumer complaint received 2024-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

This is an urgent and severe message to Midland Credit Management , Inc. XXXX XXXX XXXX. 

Midland Credit Management , Inc. is in violation and have been warned that legal matters will be enforced if I receive absolutely ANY solicitations for a Collection on Debt via Phone, Email or Postal Address. 

Midland Credit Management , Inc. is now in a severe violation of the following : 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1692d - Harassment or abuse I am the original creditor that funded this private account with XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX has violated Anti-Trust Laws and has indulged in an Unjust Enrichment. XXXX has also written off a debt and has sold my information to Midland Credit Management , Inc. XXXX XXXX XXXX. 

By way of false and misleading conveyance of languages within an agreement, this company has used my private social security number to access my Trust Account as I did not consent to. 

Midland Credit Management , Inc. business has confessed to purchasing consumer charged off debts from original creditors and subsequently illegally attempt, harass and solicit payment, absent any agreement or consent to contact the consumer proving a severe violation of 15 USC 1592e. 

There is no customer relationship in this situation, I am not a customer of this company nor did this company sell my consumer anything, nor have I received any 1099 tax forms from XXXX XXXX XXXX XXXX showing that this debt was cancelled. 

I am aware that Midland Credit Management , Inc. buys debt. debt is an asset and it belongs to the original creditor. I am the original creditor. Midland Credit Management , Inc. must return to me immediately this debt as it is against the law to sell or buy any account that belongs to the holder in due course. I will be following up with acquiring this debt asset. 

Absolutely NO CONSENT was given to share my non-personal information to any affiliated parties. Midland Credit Management , Inc. has treated my consumer as an employee by using the SSN without proper verification required by submitting the SSN 89 form. I do not have an employer employee relationship agreement with this corporation. 

I do not consent to contract with Midland Credit Management , Inc. XXXX XXXX : XXXX as this entire matter was only between XXXX parties XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 

I will be enforcing legal punishment for violations of Trust Fraud against XXXX XXXX XXXX XXXX as a very heinous and severe violation of Anti-Trust Laws has occurred.
Consumer complaint received 2024-09-27
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. (FL)

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

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 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 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.
Consumer complaint received 2024-10-01
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. (IL)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND NPA DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-27
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 3rd party. They in fact did not come from a 3rd 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 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/XXXX I purchased a vehicle at XXXX XXXX XXXX ( Michigan ). As a part of the transaction, I traded in my XXXX XXXX truck. 

Since that date, I continue to receive invoices for the amount due to Ally Auto Financing. I have attempted to contact them many times and left voice mail messages to return my call to straighten this out. I never got a returned call. 

In XX/XX/XXXX, a repossession representative showed up to claim the vehicle. I explained that the vehicle was traded in during XX/XX/XXXX. 

Today, I received another invoice from Ally, so I called them again and finally talked to " XXXX '' who placed me on hold. When she returned, she informed me that I still owed over {$19000.00}, which was different from the amount of the statement which totaled {$2700.00} ( and unpaid balance of {$18000.00} ). I explained that her system had an error and that a check to pay off the remaining balance was handled by the dealership. 

In addition to clearing up this payment mess ( balance plus fees since XXXX XXXX ), I expect Ally Financial to clear up my credit report on all three credit bureau sites. 

Should this continue past XX/XX/XXXX I will contact my attorney and request that his fees also be paid by Ally Finanical.
Consumer complaint received 2024-09-27
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 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.