davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: OneMain Finance Corporation ()

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ONEMAIN - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DE)

On XX/XX/year>, I used PayPal to make purchase an item online. I used my credit card on file, which for an unknown reason did not work. Instead of PayPal canceling the order, or sending me an email stating the transaction did not process, they immediately used a different card on file that did not have the funds. They caused my XXXX XXXX account to become compromised, overdraft fees, & a negative balance. I never authorized PayPal to use my XXXX XXXX account. I processed a cancellation & they did reverse the transaction, however, still, I never authorized PayPal to use this card. Thats poor business practice. Any other company would cancel the order or inform you the card was declined, not use a different card without consent.
Consumer complaint received 2023-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC (MD)

MARINER FINANCE XXXX XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/XXXX Subject : Request for Removal of Collection Account Dear Sir/Madam, NOTICE TO CEASE AND DESIST You are hereby notified to immediately cease reporting on my credit report concerning the collections and the alleged debt associated with the account referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I am writing to request the removal of a collection account [ XXXX ] that has reported to the credit bureaus regarding a debt that was discharged in my recent bankruptcy filing. The bankruptcy case number is [ XXXX ] and was finalized on [ XX/XX/XXXX ]. 

As per the United States Bankruptcy Code, any debts that are discharged in a bankruptcy case are legally forgiven and the debtor is relieved from any further obligation to repay them. Therefore, the collection account that [ MARINER FINANCE ] has placed on my credit report should no longer be reported as it is in violation of the Fair Credit Reporting Act. 

I kindly request that you promptly remove the collection account from my credit report to ensure the accuracy of my credit information and to comply with the law. Failure to do so may result in legal action being taken against [ MARINER FINANCE ] for violating my rights as a consumer. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of the collection account in writing. 

Thank you for your anticipated cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

Ok, I made a wireless payment on Friday XX/XX/2023 to an investment company and was told by Wells Fargo online banking it was on hold and go to the bank and show ID and yourself. At that time they froze my account access and even my debits to XXXX. The entire weekend. 
I drove down to Wells Fargo and spoke with XXXX the manager and here is what happened. : ] The manager got the wireless transfer people on the phone after she put her other appointments on hold. They told her and i they would give me an cal me and give me an answer whether they would approve it or not in 2 days. Well they did not call so I called them on the XX/XX/XXXX, 2 days later and I asked Wells Fargo wireless transfer division if they had an answer about my wire transfer being approved. Their answer was they told me to go with an Id and see a branch manager. I had told them that I already did that and they said that was a final word to me. Do it ... What a joke..since then they have shut down my online access agian as a punishment for me not bowing to the al mighty Wells Fargo kings and queens. Sorry, i WILL FIRE THEM FIRST!!!! 
Wells Fargo disclaimers and terms and conditions does not make them my XXXX. 
They have no business telling me or anyone else where and when and how we spend our money. This is not what the Constitution of the United States of America says. 
So to date they have not called or did anything with this so I cancelled the wire transfer. 
That means us Veterans can not do it but XXXX customers can send wireless transfers all day to XXXX XXXX ( and other parts of the world ) in the billions a year but me as a citizen in good standing in this country can not within country.????
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

According to the IRS and unpaid charge off is income according to FCRA and can not be reported on a credit report. I'm requesting a 1099C cancellation of debt from the following charge off account listed XXXX XXXX and XXXX  account # ( see attached documents. After checking my most current report the update information stated that account was in collections and can not be reported as a charge off on my credit report if the account is in Collection with another lender. Please send me the 1099C form.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (CA)

I had an old debt on my credit report from XXXX, I believe it was from around XXXX. It looks that this debt was sold to Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Upon purchasing this debt they re-reported it as a brand new collection beginning XX/XX/XXXX when it is the same debt from XXXX. 
This is double reporting. I disputed the debt with XXXX and it is being investigated but my credit score took a big hit. This is not legal.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (AL)

Yesterday at XXXX XXXX., I received a voicemail to callback the number ( XXXX ) XXXX back because the message left said, we are trying to reach question mark (? ) XXXX XXXX. So I called the phone number back and spoke to what sounded like a XXXX male, who asked was I XXXX XXXX or did I know how to contact XXXX XXXX, with the last XXXX social digits XXXX XXXX XXXX so I said yes! He had my precise last XXXX social security digits! He said I owed a old debt with Discover, so I said, how when I currently own a Discover credit card and he said I could be sued IF I did not pay so I said, sue me, hung up, and called Discover! Discover checked and said I do now owe a old bill plus I gave them an case file account number I got from the ( XXXX ) XXXX and they connected me to Discover security and they said, I only owe current Discover bill and/or that I am not behind on any present or past payments! But each time I called ( XXXX ) XXXX, I got the exact same agent and/or he tried to disguise his voice when I commented and asked why do I only get him on the phone, so I said I want a manager and he said he was a manager then I asked to speak to someone over him, so he acted like he was getting someone else, then he came back on the phone with an attempt at CHANGING his voice, so I hung up!
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Fresh Holdings Inc (FL)

They called left me a voicemail today XX/XX/XXXX I called them back but they were very nasty. I also stated can u please send me and email so I can understand whats happening. But no stated that they cant. This was the VM .. they stated they were from CREDITFRESH back in XXXX for XXXX This message is solely intended for ______ My name is XXXX XXXX XXXX I'm contacting you in regards to a claim number of XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do need to make you aware that once this claim is Officially filed it does become a matter of record There's an order of location issued out for you Since I'm unable to reach you by phone, I've been instructed to contact your employer and speak with you I just looks like it might be a possible place of your location ______, you do still have the right to contact the office handling your claim and the phone number provided to contact their office directly is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and you will need to provide your claim number of XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has redeemed notification by telephone and you will be located today unless I'm instructed
Consumer complaint received 2024-08-10
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. (KY)

Re : Dispute of Late Payment on Active Account - XXXX XXXX  Credit Card I am writing to dispute the late payment reported on my credit report for the following account : - Account Name : XXXX XXXX Credit Card - Account Number : XXXX - Original Creditor : XXXX XXXX  - Date of Alleged Late Payment : ( Experian XXXX, XX/XX/XXXX ) XXXX XX/XX/XXXX ) I am still an active account holder and have been making timely payments. The reported late payment is an error. I request that you remove the late payment from my credit report, as it is inaccurate and negatively affecting my credit score.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as inaccurate. I request that you : 1. Investigate and correct this error within 30 days.

2. Remove the late payment from my credit report.

3. Send me a revised credit report.

I have attached documentation supporting my claim, including : - Proof of timely payments - Account statement showing no late payments - Copy of credit report highlighting disputed information Please expedite this matter, as the error is affecting my credit score. 



Sincerely, XXXX XXXX.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (GA)

The account was not validated and removed from XXXX, XXXX and XXXX now the credit has sold the debt to a different agency and placed back on my credit report illegally. 

This is against the FCRA and my rights has a consumer. 

Jefferson Capital brought debt that was never validated prior and has been removed off all credit reports ..Now new sold debt is back on XXXX report illegally.
Consumer complaint received 2024-05-24
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. (FL)

I'm aware that FCRA 605B mandates the removal of any incorrect accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect reporting on my credit file.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-03
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. (LA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Unauthorized Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

Under USC 1666B this is a billing error always paid agreed on time this is an error .This account is in violation. Please update this late payments in the Credit Report or I will seek LEGAL ACTION AGAINST XXXX XXXX XXXX of my Fcra.
Consumer complaint received 2024-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (TX)

I cancelled my gym membership with XXXX XXXX ( XXXX XXXX ) by following their email instructions. I never missed or made a late payment, so I didnt owe them anything. Now, I see a collection for over {$200.00} from Aldous and Associates, claiming I owe money. I provided proof of cancelling the account, but they still sent it to collections. This feels like a scam to me.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I opened a basic checking account with Citi bank around XXXX transferred money from my XXXX account to Citi bank XXXX $ all together. When I tried to login my mobile app for Citi bank all of a sudden it said password wrong when I know it wasnt. I called the first time Citi bank to explain they said about XXXX months ago I will receive a letter in the mail with a confirmation number on it but never received it. Called again they kept saying it should be in anytime but still nothing and tried a third time and they just gave me a run around acting as if I should still wait for the mail never received anything and my money has been stuck with them when I needed it. I would like to please get help just getting my money out and closing my account with them.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one auto finance I want this deleted these inquiries delete because I didnt authorize these companies to run my credit this fraudulent
Consumer complaint received 2024-06-15
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. (KY)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX
Consumer complaint received 2024-06-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (AL)

I had to make an auto repair payment this past Saturday, apparently CashApp stopped my ability to make payments to people? I was never made aware. 

So the money I loaded onto the card was {$1800.00}. It was able to send to the auto repair owner. 

I tried to cash out, it said my account was disabled due to suspicious activity. I then contacted support as suggested on that Saturday. The robot in the support dept. stated it had been escalated to another higher up support dept. Sunday, Monday, Tuesday, Wednesday and now today/Thursday ... the robot is saying the same thing and I'm late on my child support payment because I had to use another payment method to pay for my auto repairs.. 

Bascially my auto repairs ran me XXXX of negative cash flow and because Cashapp won't SIMPLY let me withdraw my money because of an unknown suspicious activity, my money is stuck there and only robots work in support. 

The damages it's causing is horrific. I spent over XXXX of hard earned money to fight for my right to be in my son 's life after him going through XXXX XXXX deemed by XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and after filing suit against his mother and her negligence- I had equal custody and I do NOT feel confident when he's away from me- it's actually a nightmare... and to have Cashapp 's robots responding and holding XXXX that's mine, for child support specifically- it's outrageous. 

These companies using bots having no actual person being able to respond but just a ROBOT is so outrageous.. I wish regulators wouldn't allow this because this is what happens when something, that's not even complex ( they just think there's something suspicious going on with my account? what ...? I've reached out 20 times ) .. is outrageous... 

I don't even think this will help but the fact they have no ways to actually contact a human is unreal.. any bank or prepaid bank card should have REAL people not robots from some XXXX XXXX in the XXXX XXXX who made it where that can use robots who know a limited amount of words to reply and then just leave people hanging.. it's so lazy and so unfortunate and should be illegal. 


CASHAPP acts as a bank but when something comes up, they're an online service provider and no actual person will ever respond.. and boy do they charge fees on fees on fees - without any workforce.. it's ridiculous.