davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 AN # XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

Today, XX/XX/2024 I paid a fee to XXXX for XXXX instant transfers to my WellsFargo checking account in the amounts of {$4.00} and {$6.00}. I use this option almost daily, to transfer money into my WellsFargo account. I have never had a problem until today, XX/XX/2024. 
I used my WellsFargo debit card to pay for XXXX items at XXXX, and was shocked when my WellsFargo debit card was declined due to insufficient funds. When I telephoned WellsFargo customer service, I was informed that it is not an issue with WellsFargo, and that I should contact XXXX, which I promptly did! I have now wasted an hour of my time trying to find out why WellsFargo is not posting my instant deposit. XXXX informed me that the instant deposits are just what they say, and take mere seconds to post to a bank account. I have NEVER experienced this problem with WellsFargo before, but I fear that with WellsFargos documented record of consumer fraud and abuse, that this is yet another thing to fear from WellsFargo. Namely, deliberately not honoring deposits, and shirking off any responsibility for this.
Consumer complaint received 2023-06-08
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. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-11-06
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-10-16
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. (OH)

After reviewing a medical debt appearing on my TransUnion Credit file for collection account with XXXX XXXX XXXX, account number XXXX and checking with my insurance provider about this debt, it has been determined that the said debt with XXXX XXXX XXXX is fraudulent. I have included a copy of my Identity Theft Report and all verification needed as required by the FTC and TransUnion to have this account blocked.
Consumer complaint received 2023-01-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

First I was decieved by the school I attended. When applying for the loans I was told that I could consolidate them, and take co signer off. I was told that the interest wouldn't vary much. I have been paying the loans to close to 20 years and the principal seems to never go down. As I continue to pay the priciple balance the company continues to raise the interest rates. They were no more than 4 % when I started and now they are up to 10 %. I have 10 years left on them and have paid {$85000.00} on a {$64000.00} and was given an estimate of {$120000.00} when finished. I've never missed a payment and never have been late. When I went to prison the cosigner asked for alternative to pay and they told her the only thing she could do was defer them. This company " Navient '' has been taken to court over the deceptive and predatory loan practices. They even settled a case back in XXXXXXXX XXXX XXXX which I don't qualify due to the fact that I haven't defaulted even though my school is on the list that does qualify me. I've tried talking to them about alternatives and removing the co signer but all I get is that it's not possible because they are private loans. Currently there is still a case against them by CGPB and I hope my complaint can help your cause.
Consumer complaint received 2024-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (IL)

This account was charged off on the following date XX/XX/year>. Since the account has repeatedly been updated as charged off every month this is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. Self Financial
Consumer complaint received 2024-05-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

I got a call from the collection company on XX/XX/XXXX. I informd them that I had never done business with XXXX. I then received a bill from them on XX/XX/XXXX. I called XXXX and they informed me that they do not and have never served my location. I then called the collection company and told them what I had found out. They still stated that I owed this money. Waypoint Resource Group , LLC is a scam company. I believe that they got my name and address off of the dark web. XXXX had a data breach and my information was stolen and put on the dark web.
Consumer complaint received 2023-11-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding LLC Parked an illegal debt collection on my consumer reports account # XXXX and account # XXXX with out giving me notice that i have the right to dispute the debt? no notices at all. LVNV Funding LLC decided for me. Just parked an allege debt collection.
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My bank of America account was closed, sometime in 2013. It was my ex 's account and I was on it. Back in 2013, I moved out of the house and was told by Bank of America that BOTH parties had to come into close the account. After moving because of an XXXX, I forwarded my mail, however never received anything telling me the joint account we had was over drafted or being closed. I had already gotten a new account and my ex continued to use the old account. I did n't feel like I had a choice because my ex would not close the account. 

Moving forward, I 've tried to open an account and was denied as of a few weeks ago for a checking and savings account. Bank of America Had reported to XXXX that the account was over drafted and closed as of 2013!. I 've called bank of America telling them what happened, however, they do not care. I paid the over drafted amount in full, even though it was not my fault that the account was over drafted. 

It was XXXX paid in full as soon as I realized that I owed money. I 've asked them to delete this account with XXXX, as bank of america nor XXXX have my right address and this account was not being used by me and I had multiple requests to bank of america to take my name off this account. But bank of america will not send a delete letter to XXXX because they state they are reporting accurate information ( which they are not ).
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have contacted several time XXXX XXXX and CAPITAL ONE BANK to remove bank accounts from my credit report that they had agreed previously to delete after I paid the owed amount, it has been several months or almost 2 years since I paid those and they are still reporting then to all credit bureaus as charge off - paid but has not removed as they verbally agree to get then remove. 

I have also submitted several letters to the credit bureau asking them to remove the information from my record and they always reply back stating that it was not me who submitted the letter even though I have provided my personal documentation.
Consumer complaint received 2023-04-20
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. (CA)

in accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (FL)

I have previously disputed, and successfully had XXXX XXXX XXXX XXXX removed from all 3 credit reporting agencies due to fraud. These items were previously disputed to the CFPB and removed by Experian, XXXX, & XXXX as I was a victim of identity theft- and this was one of the many account that fell victim. The debts have been removed since XXXX  on my credit report. XXXX has since sold the XXXX to XXXX XXXX XXXX -- and they have reported this debt to Experian again. CFPB and Experian both deemed the account to be fraudulent -- and now the collections company is trying to collect on a debt that they have ben informed is fraudulent. When XXXX XXXX XXXX called me I informed them, let them know of the police report, identity theft affidavit, and also the removal from my report. The decided to still report a collection account to my credit. Please remove this collection account from my report -- as it has already been proven fraudulent and XXXX XXXX XXXX XXXX should not be allowed to sell fraudulent debt. Also please instruct the the collection company to cease reporting and collection immediately. I have attached the original police report. The original identity theft affidavit, as well as the Experian report showing the deletion of XXXX from my credit report.
Consumer complaint received 2024-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Blockchain.com, Inc. (AL)

On the XXXX XXXXXXXX XXXX, my crypto account that I have been using for about 4 years now refused to open. I had bitcoin worth about {$1300.00} in the account so open several tries it finally let me login in the XXXX XXXXXXXX XXXX and now asking me to verify my identity. 
I submitted all documentation asked including a selfie picture. Afterwords I waited for about a week without any response so I contacted support and they said they were working on it so I calmed down. After XXXX weeks still nothing. My complain with ticket # XXXX. I kept reporting, and now support doesnt respond to my complains no more. My verification has been under review for more than XXXX business days now. 
Currently they are not allowing me to login to see and access my funds. Whenever I try logging in it saying wrong password but Im very sure its the right one. Please this is really frustrating and heartbreaking. I feel Im being scammed and Im not going to get my money back. This is all my saving. Please help
Consumer complaint received 2023-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX and XXXX credit companys have accounts not set up by me they was open under my info after loosing wallet with ssc in it as well only account I have open for myself is any open credit card accounts XXXX XXXX being one them but lot of inquirys and accounts claiming I owe money and I was not one that open those accounts stated I'm pist these companies both do nothing but come back from many dispute saying information is accurate info when I am victem of froudulant charges in my name I demand to get delete off my credit reports from both companies but they refuse to listen to me they are in violation of putting on my report these reported many times by myself they not open by myself they still not only keep on but violation of refreshing dates as well when disputed please have them both companies have these negative balance accounts deleted off my reports asap please and thank you XXXX XXXX ssc # XXXX birthday is XXXX
Consumer complaint received 2024-04-04
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Friday afternoon, XX/XX/2022, I signed and deposited in-person a cashier 's for {$19000.00} with a branch of Huntington Bank XXXX The teller told me the funds would probably be available the following Tuesday, XX/XX/XXXX. Later on Friday, I checked my account and the check amount was on deposit hold. To my surprise, the hold was lifted when I looked at my account the next day, Saturday, XX/XX/XXXX. 
So from XX/XX/XXXX through Monday, XXXX I, spent about {$15000.00} of the check amount, including {$3700.00} using XXXX. About noon on Monday, the bank texted me that my account was overdrawn because the check deposit amount had been reversed. I immediately went to the branch to reverse all disbursements, including the XXXX payments which were still pending. The branch manager was told by the central office that the XXXX payments would be disputed but could not be reversed. 
Because I questioned why the bank released a deposit hold before the next business day for a check they had not yet validated, she had me talk over her phone to a person in central check processing. This person told me the bank is required by Federal Reserve regulation based on federal law to give " good customers '' immediate access to deposited funds. However, your website explanation at this link, XXXX  : XXXX # : ~ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, indicates such a regulation does not exist. Instead, the next business day, or Monday in this case, is the earliest the deposit hold should have been lifted under the most favorable circumstances.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been, and or am a victim of identity theft. I froze my credit report and still have been given notifications that my information has been exposed to the dark web. I have also been experiencing complications with utilizing my credit properly, based on improper illegal credit reporting practices that is a violation of federal and state laws as well as unfair practices of debt collections in which I did not agree to do business of any kind or provide any wet signatures and have numerous times tried to validate this through the credit reporting bureau and wish to follow Complaint for the illegal practices that are going on and wish to participate in the lawsuit against Trans Union and or any affiliates
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

Hi cfpb I am reporting XXXX for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX AND XXXX XXXX XXXX I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of  violation of {$1000.00} per each and litigation.
Consumer complaint received 2022-12-10
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: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/XXXX. To remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX those are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.
Consumer complaint received 2023-11-06
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 am writing to express my deep concern and frustration regarding the several presence of late open accounts on my credit report. I have recently discovered these inaccuracies and demand immediate action to correct this issue. 

Upon reviewing my credit report, I noticed that there are late open accounts listed, which are erroneous and not representative of my financial history. I believe this is a severe error that must be rectified as soon as possible. 

I request the following actions to be taken immediately : An immediate investigation of the late open accounts. 
Prompt correction of these inaccuracies from my credit report. 
A formal, written explanation of the corrections made to my credit report. 
I understand the importance of an accurate credit report, and these inaccuracies are affecting my financial well-being. They have the potential to harm my credit score and hinder my ability to access loans, credit cards, and other financial services. It is my right as a consumer to have a credit report that accurately reflects my financial history. 

I trust that you will treat this matter with the urgency and professionalism it deserves. Please acknowledge the receipt of this complaint within 15 days and inform me of the steps being taken to resolve this issue. Please assist me to correct these late open accounts in myu credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I wanted my annual reports. Filled out the form online. It said I needed to call, so I did, but could not get through to a person. I feel like they're intentionally making it hard so I can't get my report. The phone service doesn't work so well, and the ask for a lot of sensitive information in addition to recording my voice. It doesn't seem very secure ; lot 's of beeping in succession as if it's being recorded several times.
Consumer complaint received 2022-10-25
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. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX