davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-22
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. (FL)

Subject : Request for Removal of Transactions from Consumer Report as per FCRA Dear Sir ( s ), I hope this letter finds you well. I am writing to formally request the removal of particular transactions from my consumer report, as outlined by the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; And 15 USC 6802 B ( 1 ) ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Below is/are the details of the transaction ( s ) I demand be excluded from my consumer report : XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX I believe that these specific transactions should not have been reported on my consumer report, and it is my understanding that the FCRA empowers me to request that these transactions be removed because I was never contacted by your organization to inform me that you may disclose non personal private information to a non affiliated third party, also transactions between the consumer and the person making the report is to be excluded from my consumer report, regardless of its validity. 
According to 15 USC 1681, consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Thank you for your assistance in resolving this dispute. I look forward to a prompt resolution and the correction of my consumer report. 

Thanks,
Consumer complaint received 2023-04-19
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: MECHANICS BANK (CA)

This vehicle doesn't belong to me. I see on my report that this was paid off. I have contacted this company to let them know the owner of the vehicle has file for bankruptcy and has made arrangements. I requesting for this to be removed from my report. I am a single parent trying to raise my kids, this is affecting my way of life. Please help me!
Consumer complaint received 2023-10-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I notice someone is applying for cards and accounts in my name with my information. The credit Bureaus are not complying with the fair credit act. This inquires are unauthorized and needs to be removed asap CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

ChexSystems are keep denying my disputes and saying there accurate and irrelevant this is wrong and inaccurate I'm now being profiled at this point because they keep denying me every time and like I said for the 100th time with XXXX XXXX XXXX that check deposit was not made by me and its fraudulent I have lost my card and wallet with my pin written in my wallet that now I know to never leave my pin in my wallet. Someone deposited the fake check into my account and withdrawn the money out of my account I want not one time on camera seen withdrawing the money out please help me fix this and get me out the red with the chexsystems so I can continue to bank with new banks this is affecting my life and financial situation please have this fixed this is very unacceptable and unfair for me to go though this and its not my fault
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

My discovery date was not until XX/XX/XXXX although the wrongdoing started to occur beginning in XX/XX/XXXX but then most significantly between XX/XX/XXXX through XX/XX/XXXX. 

Original complaint filed XXXX with CFPB. Second complaint filed with CFPB XXXX. Civil Complaint filed with XXXX XXXX XXXX ( XXXX # XXXX ) on XXXX by counsel. XXXX filed by counsel XXXX and then the XXXX  was filed by me in pro per on XXXX. Wells Fargo filed second demurrer XXXX. I will be filing my response to their second demurrer and request for judicial notice this coming week. 

Instead of Wells trying to work with me to make it right as former XXXX XXXX XXXX XXXX XXXX promised he would, WF keep fighting me every step of the way. WF fraudulently issued 5 ATM/debit cards in my name with fictitious/already assigned PIN # 's or allowed a third party to obtain these ATM/debit cards with PIN # 's without my consent between XX/XX/XXXX and XX/XX/XXXX ; XXXX allowed a third party to pre-apply for a new regular checking acct in XX/XX/XXXX in my name having me believe it was a joint acct and misrepresented the character of that acct when I came into the bank 3 days later ; WF opened XXXX teen checking accts XXXX meant for kids aged XXXX ) for my children who were ages XXXX and XXXX in XX/XX/XXXX and WF misrepresented the character of those accts as well as I understood them to be strictly savings accts. WF did not submit any Form 8300 's to XXXX or the IRS and I have discovered XXXX transactions of over {$10000.00} ( single or cumulative deposits/withdraws ( cash also ) committed by my spouse ( actually I recently found out on XX/XX/XXXX that he was married to another woman at the same time he married me on XX/XX/XXXX so our marriage was not valid ( that XXXX XXXX  with intent to defraud me is a separate matter ) ; WF also allowed 66 paychecks to be fraudulently endorsed over a 9 year period and there are 47 unaccounted for negotiated paychecks of mine that were unknown to me and WF has not sent to me including one the was for {$150000.00}. WF also allowed some of my live payroll checks ( most of them large amounts ) to be not only fraudulently endorsed by a third party but WF also allowed some of them to be deposited into other accounts that did not even have my name on them!

The list goes on but WF failed in their standard duty of care and committed fraud and gross negligence. WF sent me some of what I asked for in terms of documentation between XXXX and XXXX of XXXX. Then they stopped cooperating so I hired a lawyer in XX/XX/XXXX. That lawyer did not file the lawsuit until XX/XX/XXXX and then got out of the case in XX/XX/XXXX as it was too complicated for his firm to handle and he had XXXX  issues as well so I have been handling the matter on my own since.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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 Amount Date Opened XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$34000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$42000.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$25.00} XX/XX/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 information is inaccurate.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (VA)

XXXX XX/XX/2023 I wrote and mailed a check from my business checking account for {$6000.00} payable to a general contractor, XXXX XXXX and XXXX. The check number was XXXX and dated XXXX XXXX. On or about XXXX XXXX, the payee attempted to deposit the check via mobile app to their account at XXXX XXXX. The deposit was supposedly unsuccessful, so the payee attempted to deposit the check in person at a XXXXXXXX XXXX XXXX 
On XXXX XXXX, the {$6000.00} cleared my account. However, a few days later, the payee informed me that XXXX XXXX  reversed two deposit transactions - one called a " return '' and one called an " adjustment ''. The net effect for the payee 's account was {$0.00}. However, my checking account remains {$6000.00} less because the funds were never returned to my account. 
I have attempted to resolve this with my bank, Navy Federal Credit Union, which claims they are not holding the funds. XXXX XXXX  says they never received the funds and therefore can not return my money. Neither institution seems to know ( or care ) where the funds are, but all parties agree that they are not in my account. I have verified the funds have not been returned to me as of today, XXXX XXXX.
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Venmo is a complete scam! they froze my account XXXX year ago without any reason. they said in XXXX  days I can withdraw my funds but its not true! their system does not allow me to add any bank! I have send many emails and they keep ghosting me! now they finally replied and said there is a block in their system that they can not override! so I cant withdraw my money! they owe me {$2400.00} and refuse to give me my money!
Consumer complaint received 2023-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TN)

I recieved a letter in the XXXX mail saying that I owed {$1400.00} to Phoenix Financial Services ( XXXX XXXX XXXX, XXXX XXXX XXXX, IN XXXX ). Debt Collector on behalf of XXXX XXXX XXXX XXXX XXXX. It says date of service was rendered on XX/XX/19. phone : XXXX I have never heard of this physician and live in XXXX, TN. I did not go to doctor in XXXX and also I have done some internet investigation on this company and it seems that this is repeatedly happening to many people. Many complaints of fraudulent charges just like mine.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (OH)

I had a mortgage with Nationstar at XXXX XXXX XXXX XXXX Ohio XXXX and filed a XXXX XXXX bankruptcy they are reporting that my account was 90 days late but that was due to bankruptcy under their protection when setting up the payment plan thru court and was not truly late and it is hurting my credit. I should not be punished when I was under court protection and they are the ones that took so long to distribute the payments. I paid on time myself. Please remove these inappropriate reported late payments
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I have around XXXX in student loans. XXXX was my student loan servicer prior to XX/XX/XXXX. I enrolled in PSLF and my loans were moved over to XXXX in XX/XX/XXXX. For 11 months now, Experian has reported on my credit report that I have twice the amount of student loans as I actually have, over XXXX, because they show the total amount of my student loans reported by XXXX, and also the total amount of my student loans reported by XXXX. I filed a dispute with Experian in XXXX, XXXX about the XXXX reporting of the loans. Experian closed the dispute after contacting XXXX, but no changes were made, and Experian still reports me as having more than XXXX in student loans. I contacted XXXX, who told me that I owed them XXXX dollars and that my account was closed and that I needed to reach out to XXXX to resolve the doubled reporting of the student loans on my credit report. I reached out to XXXX in XXXX, who told me that they would update my credit report. As of today, my credit report shows that XXXX updated Experian with my student loan balance of around XXXX as of XX/XX/XXXX, but my student loans are still being reported by both XXXX and XXXX on my credit report, totaling just over XXXX. 


At this point, I do not know if XXXX or XXXX is the entity that needs to update their reporting.
Consumer complaint received 2023-10-22
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. (IL)

I've tried disputing this account, I've asked for validation and I've yet to receive any validation in relation to this account. XXXX has continued to reage this account and Transunion has refused to delete this account. An account is supposed to be deleted from the first missed payment and not the date it was charged off. If an account is reporting inaccurately it should be deleted. If a credit bureau continues to be negligent in reporting they must pay {$1000.00} per incident. The CFPB must stand firm and hold Transunion liable and order them to pay me {$25000.00} or make it so that this case can be taken to court. I have disputed this account and they have refused to investigate and delete this account.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA (FL)

My request to close the account and release my funds has not been honored. The money has been sitting there. XXXXXXXX XXXX has restricted my account since I opened it. They send a debit card that I can not activated nor used to get my funds. I have requested that they closed their account and return my money. It has been more than XXXX. I have received several overdrafts fees and late payments in my attempts to retrieve my funds from this account. I am not able to talk to anyone over there. I emailed and chatted with like 10 of them. XXXX, XXXX, XXXX, XXXX. None of them have been able to release my money They all replied with the same thing, They will get the request processed. They have not released my money yet
Consumer complaint received 2023-10-22
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. (CA)

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. 

XXXXXXXX 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 XXXXXXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report 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 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. 


XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-10-22
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. (CA)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. Account Name : 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 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 Delete this account immediately, unless you want to be held {$1000.00} per violations.
Consumer complaint received 2023-10-22
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. (CA)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX 2.Account name : XXXX Account number : XXXX 3.Account name : XXXX XXXX XXXX XXXX Account number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violations.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information 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 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 2023-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Forest Recovery Services LLC (FL)

FOREST RECOVERY SERVIC Account : FRSXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-10-22
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

ADDITIONAL COMMENTS Apart of the claim was just paid on XXXX please address me in the facts both claims were submitted on the same day, claim amount XXXX and XXXX the XXXX was just paid out. Please explain why they spilt up my claim in the first place. How did they pick and chose what transactions they would approve, My roommate did them all I explained that while filling the complaint.
Consumer complaint received 2023-04-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (TX)

Applied for {$1600.00} XX/XX/2023 did not see the crazy interest they are charging me every week and i can not stop the payment in my bank. 

Tried to talk to them to change frequency of payment and they wont help...
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.