davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (RI)

I have made many attempts to resolve the error with the account on my report. The credit reporting agency did not provide proof this account was mine or written consent to furnish this posting to my account. In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX Account # 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. Also states a consumer reporting agency can not furnish an account without written instructions or consent from the consumer. No proof of written instructions or consent has been provided after initial investigation. Please reinvestigate this error and them them provide proof.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXX.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credible Labs Inc. (OH)

I received emails from XXXX XXXX, XXXX XXXX, and XXXX XXXX. They all told me that they got information from Credible. I have never applied for credit from any business. I want to know where Credible got my information and who all they sent my information too. I want them to notify all the organizations that they sent my information to and notify them to remove information.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (AR)

This creditor is reporting inaccurate information about the account statusXXXX XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 5 16815-2 ] ( a ) Duty of Punishers of Informatio
n to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting infor actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate! 
( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( D ) Definition. For purposes of subparagraph ( A ), the term " reasonable cause to believe that the information is inaccurate ''.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

On Thursday XX/XX/2022, I purchased a necklace from a company called XXXX. After a few days passed I received the necklace I ordered, however, on XX/XX/2022, I received an email from the Financial aid office at the college I am attending, and they announced that my funds had been posted to my bank account that is associated with them. 

I noticed fraudulent transactions posted to my account as well as some transactions that are not yet authorized. FIVE out of Eight transactions have been authorized and in total XXXX $ was retrieve from my BankMobile account without my consent. 
I am guessing someone took my XXXX 's information and used it to buy things online without my permission. The last merchant I purchased from using my debit card was XXXX, so I came to the conclusion that this website is being used for scams. 

These are the merchants that took money from my bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I was told XX/XX/XXXX that the reason my account was restricted by XXXX XXXX XXXX XXXX is because a teller called Citizens bank and was told that the check that I submitted into my account may have been altered. However I was never asked to provide proof that could prove the validity of my check nor was I told in person that this was the reason why my account was placed on hold. I have now acquired all of what I believe to be irrefutable evidence of the validity of the funds in my account and will submit it along with this complaint and an explanation of each piece of evidence. On XX/XX/XXXX I received two XXXX XXXX XXXXXXXX cashiers checks, one in the amount of {$50000.00} and another for {$15000.00}. I still have the customer copy number that can be seen in the evidence provided for the {$50000.00} Check. On XX/XX/XXXX I deposited both checks in the amount of {$65000.00} into my Citizens Bank checking account. The teller, bank, and branch numbers are all visible in the picture provided along with other necessary information. I will include a photo of the account after I made the deposit as well. On XX/XX/XXXX I was sent a letter from Citizens Bank stating that my account will be closed and I will be mailed a cashier 's check in the amount of my account balance ( {$65000.00} ) no XX/XX/XXXX. When I received the check from Citizens Bank, in the amount of {$65000.00}, I deposited into my XXXX XXXX XXXX XXXX account on XX/XX/XXXX. XXXX said the funds would be available in the account after 5 days so that the check could be reviewed. However, I was sent an email saying that my deposit would be delayed because they believe the check would be uncollectible, and if the issuing bank does pay the full amount of the check then I can expect to receive my funds in 5 business days. However, I have not had access to the funds yet and have been told that a Citizens Bank representative said my check has been altered. When I tried to contact Citizens bank about this problem I was given no help!
Consumer complaint received 2023-09-05
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. (WA)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 

CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the following inquiries. 
XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (OH)

Resurgent Capital Services / PYOD LLC placed an " account in collection '' listing on my credit reports alleging a debt owed to them. In one instance Resurgent states the owner of the alleged debt is XXXX XXXX. In another instance they list PYOD LLC and the alleged debt owner. I requested copies of the alleged debts purchase history and assignment documentation but received an in-house debt summary letter and a random statement from XXXX XXXX. 

Upon further investigation, I discovered that Resurgent Capital Services and/or PYOD LLC is not a licensed debt collector in the state of Ohio, where I reside and as such violated the FDCPA and the FCRA by reporting this alleged debt to the credit reporting agencies. 

Additional investigation noted that the collection and correspondence notices, along with their mailing envelopes included their corporate logo in violation of the FDCPA.
Consumer complaint received 2022-09-23
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-04
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: CL Holdings LLC (TX)

The credit agency continue to replace a fraudulent account that going from one entity to another with out premission or consent to share private information and reports these this company even though there is no lawful contract or even consent for the party to have private information. Ive sent cease and desist and deletion testimony to the partys and all they do is remove one then allow and other company to report this fraudulent and unlawfully information and now is resulting in identify theift the because I never gave consent or permission for these other agencies to share private information
Consumer complaint received 2023-01-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (FL)

Between XXXX and XXXX I consolidated my student loans with a company that did not recall the name right now as I've reconsolidated since. What I was unaware of at that time was that the representative who consolidated my loans did not include XXXX loan that eventually went into default. I was contacted by Wells Fargo in XXXX regarding the loan and that it had gone to default as I was unaware as I thought that all of my student loans were consolidated and I did not know private loans was not included with the federal loans as a representative did not explain that to me at that time. 

I started making payments on the loan over the years and did not know where I was with payments because Wells Fargo did not send any kind of statements to show my status. When I contacted them on why that's not the case they said that is something I have to request and that they do not send no payments and balances regularly which was very surprising. I started to get periodic payment summaries from them that showed principal paid in interest paid however after XXXX payment summary requests I was extremely concerned as the balance kept increasing and then there was no more information of balance owed in the last column. I requested twice to get a payment summary to show what was remaining to no avail. 

The last balance request I made was in XX/XX/XXXX and from that attached payment summary document it was the same issue where it was not showing any balances and I was very specific with what I requested. 

I have gone back-and-forth with Wells Fargo about this XXXX XXXX XXXX where I've told him I will seek legal action if they do not clarify what my balance was and what I have paid for. 
The loan amount in the XXXX document was around {$14000.00} the time I had to start making payments and the last payment summary that I got my balance was {$0.00} in my payments was going towards interest but again no balance was showing so I'm just literally making payments to interests but they're not showing me what's owed.
Consumer complaint received 2022-09-23
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of fierce wrongdoing. I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. I believe someone stole my identity and opened this account without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged account. I have included here my FTC report. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 

XXXX XXXX FIN XXXX Date opened XX/XX/2017 Balance {$990.00}
Consumer complaint received 2023-07-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

I have tried over and over submitting and sending these documents for this dispute please help sending this over as its been very frustrating. I will be getting my attorney involved.
Consumer complaint received 2022-09-23
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. (NC)

It appears that my credit file has been compromised when I sent Bureaus Letter last XX/XX/XXXX, XXXXAgain, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong tome. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00XXXX XXXX XXXXXX/XX/2022 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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.
Consumer complaint received 2023-09-05
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2022 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2024-04-18
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: WELLS FARGO & COMPANY (TX)

My vehicle was totaled XX/XX/XXXX. Wells Fargo ( lender ) was initially sent funds from XXXX to pay the acct in full, they rejected the payment. XXXX resent payment on XX/XX/XXXX ( which their executive team member XXXX confirmed to me they have received ) & he told me there was a {$130.00} balance left. I went to file a gap claim that Wells Fargo 's insurance support told me was in effect, only to find out Wells Fargo sent a notice of cancellation to them back in XXXX & never corrected the problem. So I have paid for a gap plan that has been canceled the entire time. The GAP company refunded the money to the lender in XXXX & Wells Fargo never pulled the money from their account. If they had 've done so back in XXXX, the balance wouldve been adjusted AND I wouldntve paid the interest. NOW they are expecting the refund of {$690.00} which will clear the {$130.00} & they will owe me the remaining {$560.00}. Instead they have reported negatively to my credit report, dropped my credit score my over XXXX pts & continue to refuse to correct the record or credit report.
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (CA)

All old addresses and wrong names and inquiries need to be removed from all three credit agencies. The client 's credit letter must be uploaded when the complaint is made to show that the client 's dispute letter was sent out and that it is over 30 days. It's still reporting on the client 's credit report and needs to be removed immediately for inaccurate information. 



This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, There are accounts that are reporting on my credit profile as open accounts on some credit agencies and in collections, on others, another wrong last reporting date due to inaccurate information across different platforms has caused me hard issues. 


1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.