davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
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: Experian Information Solutions Inc. (TX)

there are XXXX inquiries on my account from XXXX XXXX XXXX on XX/XX/2023 and XX/XX/2023 institution info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX ive never been to XXXX  or even heard of this bank ive filed police report of this as well when tried to call no answer left plenty o messages stil no reply
Consumer complaint received 2023-11-15
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. (UT)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Re : You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 
I pulled my credit report, after I was denied a loan to buy a new home. I found unverifiable, invalidated, inaccurate, and questionable items that this agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. 
I know that Under 15 U.S. Code 1681I ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ***XXXX, account # XXXX, account status different
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/23 I made a payment on my Wells Fargo Auto Loan with my debit card ending XXXX. The 30-Day late item on my Wells Fargo account [ XXXX ] was a result of XXXX XXXX  rejecting the transaction, without my consent. The bounced payment was due to a third-party mistake and not due to my financial status, as shown in my documents.
Consumer complaint received 2018-07-19
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: The Outsource Group, Inc (TX)

In XX/XX/2018, I sent a letter to XXXX regarding the inaccurate entry they had apparently placed on my credit reports. My dispute was with the validity of the account entry as it was reflected on my credit reports. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary XXXX  responded with a letter dated XX/XX/2018 ( see attached ) stating they were providing the itemized statement. The statement presented lacks veracity ; it is merely printed/generated from a computer and does not provide the financial responsibility page, a copy of my signature with the alleged provider of service to release my alleged medical information to them, nor did they cease any reporting with the credit bureaus while this item was disputed or until the alleged debt had been verified by me. 

Further, XXXX did not provide a general ledger of the account or the complete accounting of the alleged debt. Lastly, they did not provide that they are able to collect debts in the state of Texas ; hence the reason I requested the name and address of the bonding agent for them in case legal action becomes necessary. 

I have never did any business with XXXX nor have I ever signed any contracts with them. This inaccurate, erroneous, unverifiable entry must be deleted immediately from my credit reports.
Consumer complaint received 2023-11-15
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2024-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

On XX/XX/XXXX at XXXX, a seemingly nice stranger asked for my phone number, so I gave him my phone expecting him to put his number in. He proceeded to instead send himself {$300.00} to his cashapp from my cashapp without my permission. He also attempted to transfer {$400.00} and {$200.00}. Those payments did not go through, but {$300.00} was taken out of my account. 

I immediately contacted cashapp for a refund and I thought it went through but it was denied. I contacted my bank ( XXXX XXXX ) immediately after Cashapp denied the refund, and they issued a provisional credit, but later denied the claim because the scammer provided some documentation that he was a a friend in my contacts, which he mustve added ) and cashapp denied it because I had a pin on my account, which I only added after this incident.Wells Fargos provisional credit was removed from my account on XX/XX/year>, and I am seeking a refund through the CFPB. Thank you.
Consumer complaint received 2023-10-30
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: EQUIFAX, INC. (CA)

CC : CONSUMER FINANCIAL PROTECTION BUREAU AND AND FEDERAL TRADE COMMISSION. 
RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g.

CFFB COMPLIANT NUMBER : DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!!

I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by Equifax and XXXX for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, falsely reported inquires and an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Home Mortgage sold my loan to XXXX XXXX effective XX/XX/XXXX  and provided a telephone number for XXXX XXXX, a number I simply can not speak with live representative. I called Wells Fargo and a gentleman who spoke with me told me that they've been receiving a lot of complaints from other customers. Yet Wells Fargo did not have any other number for me to call XXXX XXXX. 

I filed a complaint with CFPB against XXXX XXXX ( Complaint # XXXX )
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had a bank account with Bank of America in XXXX. I lost my job and was waiting for Social Security to kick back in. I didnt do anything with the account all of a sudden the {$35.00} check ran through but it wasnt a check it was electronic check And I told him I didnt do that they investigated it and said that I did which I didnt they bounced it all the way to {$1500.00}. They lowered it back to {$960.00} I paid it all off I had told them when I paid it off. I wanted it removed from the check system. They said OK but then they didnt remove it. I cant get it a bank account because they put on their suspicious fraud activity. I was the one that reported suspicious cause I didnt recognize the charge and then they put on the other one account abuse see they tried to run it through the try saying it came in through the savings. It never came through. It was all done through checking savings was only used as a savings account. I never did nothing with that except for overdraft stuff.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TN)

I began social security and the loan company OSLA decided I could get a XXXX XXXX XXXX  discharge based on the time my condition is set to last. I really need my credit score to go up and reflect this information please feel free to contact OSLA.gov/Nelnet/SSA to confirm this information all these apartments do credit checks and im XXXX so I need my score raised I have paid back many loans and cleared many bank accounts so please help
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I applied for Income Driven Repayment Plan ( SAVE plan ) on XX/XX/XXXX, I called in XXXX for an update. They told me they will try to expedite the request. On XX/XX/XXXX, instead of expediting the request, the representative ended up applying for another type of loan ( Income Based Repayment Plan ) and also put me in Administrative forbearance until the matter resolves. I am on the PSLF program, so forbearance does not help count my payments towards the program. I have repeatedly called MOHELA to remove the forbearance and ask my status on the IDR ( SAVE plan ) and they keep giving me the run around and no one seems to know what is going on. I am urging CFPB to please help me with this matter so I can get my loan type and payments situated.
Consumer complaint received 2024-07-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

I called WellsFargo last month and reported that my credit card was lost and they asked me all the transactions that were unauthorized so I told them everything and told me it will take up to 7 days for them to fix the problem which it did. They credited back those unauthorized charges, but not all of them. However, just today they brought those unauthorized charges back on my account when theyre not even made by me. I only spent {$1400.00} with it and I paid {$400.00} recently which leaves me with {$1000.00} in total. When I checked my bank account today, my balance went up to {$3900.00}.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Back in XX/XX/2018, two accounts through XXXX XXXX XXXX XXXX appeared in my credit report showing charge-off/delinquent. These accounts were previously removed from my report due to dispute. One of the accounts was removed from my equifax report but the other one still exists on there. The two accounts still remain on my TransUnion report. This error has caused me to be declined when trying to obtain new credit lines/accounts due to the affect it has on my credit.
Consumer complaint received 2023-09-23
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. (TX)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
DEPT OF EDXXXX XXXX XXXX : {$0.00} ; DEPT OF ED/XXXX  XXXX XXXX : {$0.00} ; XXXX-XXXX XXXX XXXX Balance : {$12000.00} .
Consumer complaint received 2023-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

My federal student loans are now managed by MOHELA. During the pandemic I put about {$36000.00} on my loans. I then realized since I am in PSLF I do not need to do this, and I took advantage of the COVID student loan payment refund prior to XX/XX/2023. I did receive confirmation from MOHELA this was submitted and approved. In about 2-3 weeks my loan balance went back up to where it was prior to these payments.

I then asked for information on when I would receive the refund and for how much exactly. I was told twice they can not give me the refund amount and that since U.S. Treasury handles refunds, they can not give me more information. I tried to find contact information for Treasury regarding this issue, and could not. I am a federal employee and am familiar with navigating government, and I could not find anything to help. I asked MOHELA again and they answered my question with nonsense that made it clear the person did not read my question- they said I was past the cutoff, but I had already been approved and was asking about the status ( this message is attached ).

I messaged again and asked for contact information and I have been ignored since. I tried to call but the wait times are so long I can't get through. I now have about {$36000.00} floating around for the last 3 months with no way to track it, know the exact refund amount, or contact anyone to check the status. This is insanely unacceptable and scary - MOHELA was able to increase my balance instantly but refuses to provide me with information or a third party contact to track this refund. This is money I could put into the economy and it is essentially being held hostage with no ransom information.
Consumer complaint received 2023-12-01
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. (CA)

I recently disputed XXXX XXXX XXXX and while disputing it shows that one XXXX XXXX XXXX contract is pending while the other is updated and also it shows that there's no public record found and it stated that when disputing there going to go the the vendor who received the information or get the information from a public record there's no public record here and it still has not got removed or updated to positive just like the other credit bureaus XXXX  or XXXX and there's no data found on none of my scheduled payments disputing this will not fix the errror thats on my credit rreport because there going to get the information from XXXX XXXX XXXX instead of properly investigating the account for themselves
Consumer complaint received 2023-01-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Click n' Close, Inc. (CA)

After filling original complaint ( XXXX ) about Click & Close overcharging me for my house mortgage payments just find out they dont have a valid license to do any business in XXXX XXXX where my house is located. So they are charging me illegally money. I filed this new complaint because cant edit original complaint. 

See below : XXXX XXXX XXXXXXXX