davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (HI)

I request that EQUIFAX and XXXX remove or delete from my consumer report file XXXX XXXX XXXX XXXX  Acct # XXXX XXXX per 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) for collectors of delinquent child support debt, judgments, fines, or liens. Equifax Consumer Agency did remove the information but less than a week later they placed the item back on my consumer file. 
XXXX XX/XX/year> Attorney General File was removed.XXXX XXXX XXXX Attorney General File was  placed back on file. 
Equifax explicitly disregards the Federal laws and my rights to remove this file from my consumer report. I sent letters stating that this account was not derived from a credit transaction nor did I authorize them to furnish any report to all three of the XXXX XXXX.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

The initial reason why your XXXX business accounts ending in XXXX and XXXX were closed was due to the business profile address was never updated to a physical address as the business profile still listed your private mailbox or XXXX XXXX XXXX However, we do see an address update was made to your business account profiles to your physical address per your XX/XX/XXXX, combined statement. Again, this was only the account profile level not the business profile level. We found that you spoke to a representative on XX/XX/XXXX, and they verified that your residence address was showing on your accounts. Unfortunately, our representative failed to look at your business profile address, which was not updated therefore led to your closures to these accounts. On XX/XX/XXXX, the business profile address was then updated to your physical residence address, however the accounts were already in the process of being closed. 

This was not my fault, I have no control over the updating of the business address as this is done internally within Wells Fargo. I informed Wells Fargo representatives that I needed at least XXXX days from XX/XX/XXXX to get to Texas to update the error on the XXXX papers of my business, I was told that would be fine as Wells Fargo did not discover this error until XX/XX/XXXX. But, I was not told that it was this address that was in error until XXXX of XXXX. The representatives kept telling me that it was the residence address that I did change to correct the error. 

XXXX papers have to be signed and dated and notorized at XXXX XXXX XXXX XXXX in person, so I asked for the XXXX days to get this done. The accounts were in good standings and because Wells Fargo just closed my business accounts after adding the requirement of higher monthly balances that I addressed with great difficulty, I transfered the money in my personal accounts out, until I could get this problem corrected. 

The four ( XXXX ) accounts had the requiement of making at least XXXX transfer per month to avoid the monthly fees, which I always managed to do.

Now, all four ( XXXX ) accounts are closed and Wells Fargo is saying that Wells Fargos doesn't have fee free accounts, which I had before Wells Fargo 's unskillful manner in which representatives handled investigating this error. 

This problem has gone on since or about XXXX of XXXX, when I opened business checking and savings accounts for my XXXX XXXX XXXX  banking accounts.
Consumer complaint received 2023-12-13
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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. (IL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Per my previous case XXXX XXXX. The creditor stated that this account was last reported on XX/XX/XXXX. That statement is incorrect all three Consumer Credit reporting agencies are currently reporting this account, with different statuses and balance updates for XX/XX/XXXX and XX/XX/XXXX. So the letter that was submitted to CFPB in XX/XX/XXXX was fraudulent with regards to how the creditor was reporting this account. 
In XX/XX/XXXX, a 1099-C was issued to this account. A 1099-C is considered income per the IRS and will need to be filed as income for my taxes. 
Income is not reported as credit to the consumer credit reporting agencies. Also the creditor sold my information to a third-party debt collector that debt collector was demanding payment for more than double the amount originally owed this situation was resolved in my previous case mention above. 
Also stated in the letter by the creditor that any payment you choose to send is voluntary and or nonrefundable. There are no payments due to the creditor due to the 1099-C this creditor has already received credit per the IRS for this account.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc. (FL)

Since XX/XX/XXXX ive been repeatedly asking Tomo Boost to cancel my account and refrain from taking anymore money out for their subscription. They continue to keep replying back with why are you canceling please provide reason. It is now XX/XX/XXXX and no resolution. I was referred to this site by other users having this issue.
Consumer complaint received 2023-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-05-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc. (VA)

I have reached out to this company over the past several years trying to resolve this debt but to know XXXX I clearly stated to them that I was a part of the XXXX  XXXX data breach and that this debt is not mine I have never made a payment to this company ever they falsely reported that I made a payment from a secured savings account I never did I asked them to send me a complete payment history of this acount to see when and what method the alleged payment was made they never sent it and they are reporting this account wrong on my consumer report thats a direct violation of the XXXX also they listed the account as unsecured but they said I made a payment from a savings account that I had secured with them, I see they have charged this account and have received tax credits from the XXXX but they want give me a XXXX so I can file it with the XXXX  so that Ill be in total compliance with all tax laws and I have reached out to them on several different occasions but to no XXXX
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I had the account restricted with coinbase.inc and I couldn't get into my account by any method, and I asked them for a solution and they are going around and around and they don't fix it. I want my money back in my account I have asked them to send me XXXX identification numbers to enter my account because they no longer receive messages for no reason and there is no way to enter my account without those XXXX codes. 

I've done everything they've said about resetting password, restoring mobile system Restore computer system and nothing. I want them to let me into my account and be able to withdraw my money and forget about this nightmare. 

I have communicated the problem through email tickets. since Sunday XXXX XX/XX/2024 and I receive numerous responses that do not fix my way of being able to enter my Coinbase account and withdraw my money.Around XXXX XXXX was in the present day according to cryptocurrency variations. 

I strongly ask you to be able to log into my account so that I can withdraw my money to my payment number.
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

I have a checking account with Ally Bank. Shortly after opening the account, I made my first deposit ( direct deposit of my paycheck ) and made my first payment from the account to my apartments for rent. Within a few days, my account locked out. Online, it said that my username had been blocked. No reason was given. I've called Ally no less than 4 times since then, and they will not give me an adequate reason for why I can not access my funds. They claim that it is because of potentially fraudulent activity, which I am happy that they take seriously. But, I can prove where all the money in my account comes from ( deposit slips, etc ) and they still won't give me access. Literally, they have given me no clue as to how long the problem will take to resolve. When I ask them how I am going to pay my rent, buy groceries, or access my money for any other reason, they tell me I'll have to wait for the investigation to complete, again giving me no information on how long the investigation will take. When I ask them if I can talk with the investigation department, they say no. 

I am very frustrated because I have XXXX recourse for solving. I am stonewalled by their fraud department, who is a total dead end for this problem, who will not even give me a hint as to when the problem will be resolved, and who will not give me an answer for how I access my hard-earned pay. Please help.
Consumer complaint received 2024-07-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA (NJ)

I had agreement with Tenagliahunt to pay a debt amount XXXX $ in 12 monthly payments of XXXX XXXX I already paid XXXX payment on XXXX then on XXXX. 2024 they changed my bank account XXXX XXXX The other thing is that on company website I have account where I can pay my debt and it shows different amount, higher than I agreed to pay. I called company many times, left voice messages with no response. ( XXXX times ) Last Monday someone from company called me and told me that they will fix website account and payment but it is Thursday already and they didn't do it. I paid XXXX $ this month and I'm afraid that on XXXX they will charge me again.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Crown Asset Management, LLC, Duluth, GA Branch (AR)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My account with this company was discharged in a bankruptcy in XXXX. However, they have suddenly updated my account 3 years later to reflect the account is charged-off with a balance of over {$2500.00}. This is incorrect and a violation of the Fair Credit Reporting Act ( FCRA ), which requires that accounts included in bankruptcy be reported with a XXXX balance and noted as discharged in bankruptcy. This caused my credit score to drop XXXX points in XX/XX/XXXX in the midst of me trying to move into a new home. 

I've filed XXXX credit disputes with XXXX and contacted the company on multiple occasions to have the information corrected on my credit report. All times, they have refused to correct this information on a recorded line. They advised they sold the debt to another agency, but I don't understand how a discharged debt can be sold three years later. The only assistance they provide is directing me to the collection 's agency, who I called and they told me they aren't the ones reporting it, that it is Upstart and I should call them for assistance. Sending me in circles. I've emailed evidence over to Upstart and included the evidence in the disputes with XXXX, they still will not correct my credit report. I am unsure what else to do as this is harming my ability to purchase a home.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Debt collector reporting this account opening in XXXX, it was opened in XXXX of XXXX. Reporting Over 7 years. Please see below : DEPT OF EDXXXXXXXX XXXXXX/XX/XXXX | Reported on XX/XX/XXXX Balance {$0.00} CONTACT INFO DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX You're currently late on your payment for this account. Make at least the minimum payment to bring your account back to good standing. 
Account details Account status Over 120 days past due Account type Installment Account number XXXX XXXX Date openedXX/XX/XXXX XX/XX/XXXX Date closed XX/XX/XXXX Past due {$0.00} Responsibility XXXX XXXX XX/XX/XXXX Days Late XXXX Term Duration Months XXXX
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC (FL)

I received the following recorded message on XX/XX/XXXX and XX/XX/XXXX via a robocall. Both times it was the exact same message and it was a recording. There was no human being involved and there was no way to talk to a person. The first time the message was left as a voice mail and the second time I answered the phone. 

" This is a reminder from XXXX XXXX at Flagstar Bank. Please check your account status online to make sure you have the most up to date information regarding your account. You can also use online services or our automated phone system for self service options and use of access. Thanks for being a Flagstar customer and have a nice day. '' My account is paid in full. I have never missed a payment since I bought this house in XXXX and I have paid extra towards my principal almost every single month. Despite that I have had to file complaints in the past against Flagstar Bank for harassing me and mis-applying my payments and charging me late fees. They are harassing me and causing me stress for no legitimate business reason. 

Attached is my payment history for my mortgage going back as far as my bank 's online banking lets me view the payments. This payment history shows that I have paid my mortgage in full every single month for years.
Consumer complaint received 2024-05-30
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: Aargon Agency, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear AARGON AGENCY, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically under XXXX XXXX Missouri statutes .

It has unequivocally come to my attention that AARGON AGNCY has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX Missouri state law emphasizes the necessity of consumer consent for credit reporting. Specifically, Missouri Revised Statutes Section 407.020 regarding deceptive and unfair practices underscores the need for fair and accurate reporting of consumer information. Furthermore, identity fraud laws, such as Missouri Revised Statutes Section 570.223, highlight the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for AARGON AGNCY to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that AARGON AGNCY immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that AARGON AGNCY will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Elevate Recoveries, LLC (FL)

I'd recently checked my personal credit and noticed XXXX XXXX, 2024, a collections company, Elevate Recoveries LLC, added an amount of {$1000.00} without any prior notification, written correspondence, phone calls, etc. This amount was added to XXXX and is currently affecting my credit.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (FL)

BMO ALTO Application denied for no reason Application denied for no reason on XX/XX/year>. Several phone calls an all they could say was to re-apply. Asked if they check credit and told they use XXXX XXXX which I have frozen. I unfroze and still denied. Ordered both XXXX XXXX and XXXX XXXX reports an no problems. Then they said could not verify my identity. Lived at the same address for over 50 years. They have no other option to verify my identity. I request that BMO ALTO give me a reason for the denial and provide an additional method of verifying my identity.
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

I was contacted, via phone, by a person claiming to represent a religious charity. They asked for a donation via Western Union and I forwarded the money. I then found out they were not a real charity and it was a scam. The money has already been picked up by the scammer.
Consumer complaint received 2024-05-30
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: Giact Systems, LLC (NJ)

We have tried calling and emailing GIACT, we have called at least XXXX times over a XXXX week period and they NEVER answer the phone, always a voicemail that you CAN NOT leave a message. Their company seems to have my personal information which I DID NOT authorize them to have.
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (ND)

Equifiax is reporting Inaccurate information on my report. I have unknown Inquiries on my credit report which I have no knowledge or contracts with and never gave Equifiax consent to furnish these false inquiries on my report.

This is a notice for arbitration if this situation is not corrected immediately
Consumer complaint received 2024-06-24
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. (MO)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 u.s.c 1681 SECTION 602 a. 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 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.