davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Dave Operating, LLC (WV)

On XX/XX/2022 I contacted Dave 's mobile banking and told them that many email and phone number was changed and I requested for them to change it back and they said they that they would not talk to me or change back I didn't know the email or phone that the person that was stealing my money put in my account so Dave 's mobile banking closed my account after someone stole XXXX out of my account and they still have XXXX of my dollar and refusing to give my money. I contacted them in the. Last months daily I need help I homeless and XXXX because of the Dave 's mobile banking I had SS direct deposit in them and they won't send it to me
Consumer complaint received 2022-11-22
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. (TX)

In Accordance With The Fair Credit Reporting Act XXXX 

XXXX 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
Consumer complaint received 2022-11-22
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. (TX)

In Accordance With The Fair Credit Reporting Act XXXX. 

XXXX 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
Consumer complaint received 2024-03-26
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. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-04-03
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. (SD)

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 U.S.C 1681. 

Accounts 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, my personal information is incorrect as listed. 

My name is spelled XXXX XXXX, Address : XXXX XXXX  XXXX XXXX, XXXX, South Dakota XXXX. NO other names or addresses are associated with my or my consumer account. All direct violations of my privacy. and 15USC1681. You have never had my permission, written or expresses or implied to have this information. 

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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-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 2017-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I am a homeowner in New Jersey with a mortgage with Wells Fargo. In the state of NJ we have a tax credit program called the Homestead rebate act. It used to be, that this credit would be sent directly to the homeowner. Then it changed, the state of NJ would send one quarter taxes to the municipally where the homeowner lived as a credit towards the taxes they owed. ( Wells Fargo pays my taxes. ) So, If my quarterly taxes were {$1300.00}, and I received an applied credit from the state of NJ for {$520.00}, the difference of the taxes owed would be paid from Wells Fargo. That is all well and good, however, this amount of {$520.00} has been paid TWICE! Once by the state of NJ and once by me in my monthly mortgage amount. WHERE IS MY CREDIT? That credit from the state should have been deposited into my escrow account or sent to me, instead it was just deducted from the amount of quarterly taxes owed. Therefore, this amount has been paid twice. I paid the same amount of the mortgage every month with that money to pay quarterly, escrowed taxes. This has been going on ever since I have had the mortgage. Not only with me, but every one else that has a mortgage with Wells Fargo. I have tried numerous times to correct this with Wells Fargo, I have spent hours on the phone with them, trying to explain this credit, but they do n't seem to understand. I realize this is a unique credit program, but I have laid out the facts. I know people who have a mortgage with Wells Fargo and have the same problem with this tax credit. They are always saying they never get the credit. I Just figured they gave up trying. When I would call Wells Fargo they would tell me they had not yet done there escrow analyses, so I patiently waited. I would like my tax credit that is rightfully mine. I called the NJ DEPT OF TAXATION an they said they only send out the credits, they ca n't enforce anything, called also the Governor 's office, Dept of banking in NJ, and finally was led to your office. I have documentation that I sent several time to Wells Fargo, that is included.
Consumer complaint received 2023-01-11
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. (CA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX and Transunion Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2020-02-10
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: DISCOVER BANK (PA)

My name is XXXX XXXX XXXX my home address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. Please remove any other name & address variations immediately, THEY ARE NOT ACCURATE. 
I continue to ask/request XXXX, XXXX, and XXXX  to properly verified the accounts they claim I owe. They continue to send back inaccurate information that is not accurate, I always request PROOF OF CONTRACT bearing my signature TO SUBSTANTIATE SUCH CLAIMS and they NEVER SEND PROOF. Per the FCRA if a credit reporting agency CAN NOT SEND ACTUAL DOCUMENTED PROOF PER THEIR RULES ALL ACCOUNTS THAT CAN NOT BE VERIFIED " WITH PROOF '' MUST BE DELETED. If this account is not properly verified with proof I DEMAND it be DELTED, if it is not DELETED I WILL EXERCISE MY RIGHTS PER THE FCRA AND WILL FILE LEGAL DOCUMENTATION AND THEY WILL HAVE TO APPREAR IN COURT. PLEASE REMOVE THE FOLLOWING ACCOUNTS BELOW : Discover Financial Services XXXX # XXXX
Consumer complaint received 2020-03-10
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: Santander Consumer USA Holdings Inc. (CA)

I need help with this fraud problem i have had. i tried to get this cleared up months ago with paperwork and no work has been done with the bureaus. someone took my identity to open false bank accounts under my name.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am contacting the CFPB to assist me with removing this fraudulent account on ALL 3 of Credit Files ( Equifax, XXXX, and XXXX ). 

Per 15 USC 1681, governs accuracy, fairness, and the privacy of personal information assembled by Credit Agencies. I have attached a copy of the 1009-C sent to me from XXXX, XXXX XXXX received on XX/XX/2024. The 1099-C proves that this debt shall be removed from all 3 of my Credit Files because it shows the debt was discharged and needs to be removed upon receipt of this complaint. 

My claim is evidenced by the attached 1099-C from the Creditor XXXX XXXX.
Consumer complaint received 2022-11-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I never missed a deadline on these accounts. I never miss a payment on a loan. This is a mistaken report, in my opinion. Please amend the report 's error and check the following account.
Consumer complaint received 2022-11-22
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: JPMORGAN CHASE & CO. (PA)

In XXXX of 2022, someone hit my credit report with XXXX hard inquiries and was able to get approved for a credit card with a {$10000.00} limit with XXXX Bank. I tried to resolve the issue with XXXX. I was under the impression that we were going to close the account/card completely but they were under the impression that we were disputing a charge. After further investigation, I found that the account is still on my credit report ( its reported closed cause the individual never made a payment ). I reached back out to XXXX and they are currently doing an investigation on the account.
Consumer complaint received 2021-03-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have some collections as well as a DISMISSED bankruptcy that is reporting on my credit ; I have disputed these items with the bureaus since XX/XX/XXXX. They never advised me if they started the investigation to validate these items, so I disputed again on XX/XX/XXXX. I still never received any correspondence from the bureaus so on XX/XX/XXXX I sent ANOTHER dispute. I am hoping that the bureaus finally do as they are LEGALLY supposed to, and submit these disputes to the creditors to validate.
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (MS)

On XX/XX/XXXX & XX/XX/XXXX, I received alerts that a collection account was added to my XXXX credit report. This account does not belong to me. I informed the hospital ( the original owner of debt ) that this was not my account. The account belongs to my daughter whose mom is responsible for financial matters as she has sole legal custody. It was supposed to had been resolved prior to XXXX with hospital. I faxed a letter and emailed the collection company with the statement and a copy of custody papers. I also requested a GUARANTOR form which showed ownership of account. I have not signed a GUARANTOR account for any medical bills involving this minor. I have yet to hear back from the collection company. This is not my account.
Consumer complaint received 2023-03-02
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. (FL)

The following inquiries were made without my consent or knowledge and without my direct authorization and signature and therefore I want to have them removed from my credit as soon as possible : XXXXXXXX XXXX XXXX XXXXXX/XX/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 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

PayPal closed my account for no reason and will not help me with getting it back up and going or allow me to withdrawal or transfer my funds. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for some time now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-11-22
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 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 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 2023-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (FL)

My husband and I own an XXXX XXXX XXXX XXXX XXXX We regularly have new prospective clients contacting us ; mostly international people. We were contacted the beginning of XXXX by a new prospective customer. After much communication, the product seemed to be paid for with CC. I used the customers money to contract the shipper and send wire transfer ; which was on XX/XX/XXXX. I received an email from an unknown company almost immediately that I sent the transfer to a fraudulent company. I called the branch and the CS rep told me the receiving party would have to approve the return of my funds. I said that is ridiculous if this is a scam. Later on Thursday, I contacted my bank via email because they were closed asking if I could put funds on hold. I was getting no response from the bank. I then received an email from the " transport company '' saying that my payment was rejected because of incorrect amount. I sent another email to CS rep at bank and told him that the payment was rejected so I should be able to get my money back. Next email from transport company said payment was sent back to my bank. But I never received that money back. The bank said they put a wire recall request in but never communicated from that point. I was so frustrated that they couldn't help me, I closed my account at that bank.
Consumer complaint received 2023-08-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (GA)

I AM NOT LIABLE FOR THIS DEBT WITH CAINE & WEINER OR XXXX, I DO NOT HAVE A CONTRACT WITH CAINE & WEINER OR XXXX, THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.
Consumer complaint received 2023-08-31
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (MO)

I've bought my car a little over 2 years ago, and have gotten my loan through the company " Global Lending ''. Whenever the payment day is approaching, usually the week before, I start receiving incessant phone calls, voicemails, one after another. Sometimes to the point that I'd get XXXX phone calls in a row. Part of my job is using my cellphone, and I can't work with my clients when they won't stop calling. 
My payments are scheduled either online or through an agent that has called, even though every months is due at the same day. 
I have conference calls everyday and multiples times I have gotten written up by my company for interruptions/ not being on the call at my usual time. I've also lost clients and had to cancel work because of this. 
I answer my phone during the first call, whenever I'm not working, but it's not always that I can pick up my phone. Even after answering the first call, and make sure I will make the payment by the due date, they will keep on calling me. 
I've asked this company to please stop calling me, my husband and my friends, because the payment is already scheduled, but their excuse is that they have another third party company that " doesn't have the same system, and don't get all the info '', so I need to pick up the phone each time and let them know I'd just spoken with an agent. 
These phone calls come at all different times of the day, before XXXX XXXX, after XXXX and on the weekends. I have gotten these call multiple times after XXXX on a Saturday. 
When I speak with these agents they seem to have no idea about what/who I talked to previously. They not only harass me, but will doubt that I spoke with agents, threatening to call my friends and have my car repossessed if I don't make sure I pay it on time. 
The last time they called, thank goodness I had the name of the person managing my account and their direct extension number, to prove I did, in fact spoke with them. 
This has caused me not only to lose money, but potential clients, as well. 
I suffer from XXXX XXXXXXXX and XXXX XXXX When my phone rings, whenever I'm threatened by them I have to start taking XXXX XXXX medication, have to make appointments with my doctor for treatment. 
I'm so tired of dealing with this for over 2 years, for talking to them and nothing being done about it. I have owned cars in the past and NEVER did I ever get harassed, nor threatened to the point that will cause me mental and financial burden like this.
Consumer complaint received 2023-07-11
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. (NJ)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Account Number : XXXX
Consumer complaint received 2023-03-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting an inaccurate charged off account on on my credit reports. I have been disputing this account with the credit bureaus for a while now. How are all three bureaus reporting different things if they are all getting their information validated from the same place? This account is reporting multiple inconsistencies between each bureau. This account has different account numbers, last active and payment dates. Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. This account is illegally reporting on my reports and I am requesting that this account is deleted from my reports now!
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IL)

Business Checking Account BMO Business Checking Business Name : XXXX XXXX XXXX XXXX XXXX Nature of Complaint : Account Closure Handling, Customer Service I have attached my full complaint herewith. 

Thank you