davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (CA)

I have written dispute letters to Equifax on many occasions disputing the following items : XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the following violations : 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. I have physical and digital proof that via XXXX that the letters were left with an agent of Equifax. I never received a response or proof that an investigation took place, which is grounds for removal. The procedures in case of disputed accuracy was not followed. I wrote to the CFPB to file a complaint. I typed out specifically, in great detail what occurred, and which XXXX. Codes that were violated by Equifax and the companies furnishing the disputed information. NONE of my matters were addressed. A representative from the CFPB responded to me in writing stating the following : " Below includes the results of that investigation. XXXX XXXX; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' Why did no XXXX address any of the violations? Why did no XXXX address my right to privacy being violated? Why did no XXXX address that I never opted into reporting ; no consent = identity theft! Why did no XXXX address the fact that I requested original contracts and disclosure forms ( which are to be " clear and conspicuous ), and never received them! How am I to believe anything that is being reported? Why did no XXXX address that XXXX, Equifax, and XXXX are furnishing completely different information for the same accounts! Why are these accounts reporting incomplete, inconsistent and inaccurate information!? How do I know the accuracy of the balances are correct. etc? I can keep going. Nonetheless, I sat and waited XXXX XXXX for that extremely LAZY response above from the CFPB. YOU, the CFPB is the supervising authority over the CRA 's, yet, you are not enforcing any laws! I also stated that I do not consent to XXXX and I am XXXX XXXX sure that was used to handle my complaint. If XXXX was not used, please have Equifax provide me the name of the company they contacted, if they contacted them via mail or phone, the date and time they contacted the companies, the person they spoke with, etc, so I can follow up with these individuals.
Consumer complaint received 2024-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I trust this message finds you well. I am writing to express my deep disappointment and frustration regarding the continued issue of late opening accounts, despite our previous attempts to rectify the situation. As we embark on the several attempts to address this issue, it is imperative that we take decisive action to ensure its resolution. 

I urge you to conduct a comprehensive review of our account opening processes and systems to identify the root causes of these delays. It is essential that we identify any bottlenecks or inefficiencies and implement effective measures to streamline our procedures and improve turnaround times. 

It is crucial that we communicate transparently with our clients regarding the steps being taken to address this issue and provide assurances of our commitment to delivering a seamless and timely account opening experience. Failure to resolve this matter in a timely manner not only damages our business relationships but also undermines the trust and confidence of our clients. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$0.00}.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Ive been a victim of identity theft and the credit bureaus keep reporting inaccurate information and its affecting my life tremendously. Ive reached out multiple time to Experian and they arent fixing my situation its never ending its stressing me out completely. Ive also explained how Covid 19 has played a part in this situation and they havent updated. The accounts that need to be removed are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a customer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I deposited an escrow check in my aunts name signed over to me in the sum of XXXX. I deposited check at ATM and received a receipt stating availability of {$5500.00} on XX/XX/2022 and the remainder of {$4400.00} on XXXX the next day I checked my account and I had an XXXX Adjustment of {$10000.00}. Wells Fargo XXXX adjustment definition is access to full amount of funds available for withdrawal. This was not the case I was not able to withdraw funds.. I contacted Wells Fargo and they explained I needed to provide a durable power of attorney documents to receive funds. I faxed to fraud department immediately and on Monday provided the bank with copies. Wells Fargo explained that they were sending the check back for me to deposit again and I would be able to access funds. This never happened.. I contacted wells again and they told me to keep waiting it has been over a month and they will not respond.. the hurricane that came threw my town damaged the branch I normally go to so I was not able to speak with my banker. I sent him and the bank manager emails but got no reply.. On XX/XX/2022 I ordered a new ATM card and have not received it the account deposit balance is to renew to XXXX every month that has not happened also showing in my account and attached accounts the funds were there but not available.. I have not received a written notice with the explanation of non payment, reversal, or item not paid with the check and error codes and check sequence numbers the banks are required to do for the XXXX check. I filed a dispute for the XXXX and received a written notice XX/XX/2022 from Wells Fargo stating that they are sending the check back saying they can not accept it for deposit. Hoping to get this resolved ASAP. Thank you
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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.

has violated my rights. Or a list of inquiries : 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 2023-07-09
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: WELLS FARGO & COMPANY (MD)

I was going through my consumer report and realized I have two hard inquiries that I did not give permission from XXXX to allow third party corporations to access. In pursuant to 15usc1681b ( 1 ) XXXX must have a court order and XXXX must have written instructions by me the consumer in 15usc1681b ( 2 ). The two hard inquiries are XXXX XXXX XXXX XXXX and WF CRD SVC I did not give XXXX permission to allow this into my consumer report. XXXX allowed these two hard inquiries into my account to profit and considered me the consumer as a product. I want these two hard inquiries removed from my credit report as this is in violation of my privacy and in violation of congressional findings.
Consumer complaint received 2023-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the fair credit Reporting act XXXX XXXXXXXX Account # XXXX and XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I send Trans Union Dispute about False Inquiry on my credit report. Trans Union is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry. Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave No One any written consent to report anything on my consumer reports no consent is Fraud and Under 15 U.S Code 1602 ( p ) - Unauthorized use of my Information. Remove all of the fraudulent Inquiry off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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: 1st Franklin Financial Corporation (TN)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TN XXXX This company has reported that I have a loan with them that is currently 90 days past due. The loan was issued via a " Live Check '' that was signed and deposited into someones bank account. 

I have not signed any checks or have had the funds deposited into my account. I contacted the company on XX/XX/2023 to explain this. They verified that the social security number that was written on the back of the check as required, did not match mine. They said the only way I could get it removed from my report was to have the person who cashed the check and deposited into their account, come to their office with me and tell them they are the one that signed and cashed the check. 

I also disputed this with XXXX and they said the debt was valid when it is not. 

Thank you in advance.
Consumer complaint received 2022-11-01
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. (TN)

In accordance with the Fair Credit Reporting Act ; XXXX, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that i have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-16
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. (OR)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$5900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2018-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had a Mortgage with Bank Of America for my home in Florida. I have been advocating to save my home since XX/XX/XXXX when Bank Of America sent me a notice from a Florida Developer that they wanted to buy my home as part of a development buyout of our community. Bank of America did not give me the notice until XX/XX/XXXX but they received it in XX/XX/XXXX. This delay which gave way to me being beyond and objection time frame regarding the sale of my home, therefore Bank of America eliminated my ability to object. 
Bank Of America and their employees caused further harm when they did not accept the Full payoff for my home but instead a very low value. The Home was located in a pristine waterfront yacht community. Florida Law required in addition to my right to object to the sale but also that any first Mortgage is to be paid in full. ( Bank Of America held the First Mortgage and the only Mortgage ) Bank Of America further harmed me when they did not accept the full payoff as required but instead sent my file to another department to charge off my balance and ruined my credit by deliberately sending notice to the credit reporting agencies. 
Bank of America employees to numerous to list including on XX/XX/XXXX XXXX XXXX resolution specialist letter designed to continue to ignore the matters of the complaint and talk about other matters in an effort to sidetrack the complaint.Her summary of research was limited to 2 sentences.The letter was designed to hide many facts including when the developer sent me notice via Bank Of America and who received the notice so not to expose wrong doings by those employed by Bank Of America. 
Because of the lack of proper actions by Bank Of America and their employees we were forced in an unreasonable time frame to vacate our home, boat dock and fire sale our boat and leave our property and community, while Bank Of America gave no thought to our wellbeing after more than 10 years of payments to them while refurbishing our entire home to protect its equity. 
All of our payments were current including HOA fees and taxes. 
All documents and files including letters from Bank Of America will be available with the timelines when all notices were received.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows 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  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

hi, i reached out to coinbase, couple of weeks ago and yesterday, but coinbase can not assist me, with my complaint to them, how i wish this coinbase platform be more regulated and whoever use it will be more transparent and they can trace who is using it. because coinbase is a hub for scammers. since this is publict traded stock, i thught it was safe to use. I was WRONG. coinbase know my incident and reported this to fbi. 

i am a victim of scammer, and used coinbase to transfer money to his BTC wallet. The scammer was impostor of XXXX ( there is real XXXX XXXX ) just discovered later in XXXX, but money was transferred already. Coinbase unable to reverse transactions. due to fear i closed my coinbase account.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (TX)

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXXXXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXXXXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Bank is claiming that I have to pay a late fee of which they claim they notified me of a late payment before they imposed the late fee. They say that the late fee is based upon the fact that since I had made additional purchases on my present account balance, my due payment amount had increased. The problem with this is that I was not notified about the increase by email they claim that they sent. They told me that my payment amount had increased as of XX/XX/2022, but I didn't receive notice of that either. In addition, they also told me that in addition to the late fee, that because I did not make my payment within the pay cycle of the month of XXXX, even though I made the XXXX payment 23 days before it's due date of XXXX XXXX, they are charging me a late fee of {$40.00} of which I do not feel is fair based upon their assumption that I had already been notified. The only late payment email notice I was able to find in my mailbox based upon their claims that they had sent these notices beginning back in XXXX was the one they blindsided me with in an XX/XX/XXXX email. Since I was unable to resolve the problem with Capital One, I would like to see if perhaps we can get it resolved through mediation from your organization. I feel that because they refused to accept my word that I had not received the late payment notices sent to me beginning in XXXX, and into XXXX, I feel they are taking the position that I am a liar. I don't want to take the same position that they are the same for claiming they sent the alleged emails, even though they could be lying. I think they need to be investigated for unfair business practices that include the late fee traps they set up for their customers to make themselves ( Capital One Bank ) more money. 

Address : Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (NV)

This is my 5th 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 XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00} ; XXXX XXXX  Balance : {$4800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}