davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (CA)

I have paid this company every month. They call me repeatedly even after they have been paid, Four to Five times a day. as early at XXXX XXXX in the morning. YES, I owe them money, but I cant pay them until I get paid, and I pay them every month. Recenly I was in very sick with XXXX, and I'm not thinking about paying anybody. They received their payment and then they dinged my credit for being past thirty days. I get it, but have a heart. I've written on my payments, its all the money I have. They cash the check, then call me five times in one day. They wont stop. There robo calls. I don't answer because then I get yelled at. I'm done. I pay these people every single month. Yes, The pay might be five or even ten days late, but they get paid every month when I get paid. This harassment has got to stop. They can call me once a day. but five, six and seventimes a day is XXXX, and then to get yelled at when trying to explain I'm sick. Please tell them to stop.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  Account Number : XXXX Delete From My CREDIT REPORT 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX IN Account Number : XXXX Please remove it from my credit report.

9. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. ()

I am a victim of fraudulent information reporting and I am filing this complaint to INNOVIS. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit records that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (IN)

I was phoned XX/XX/20XXXX XXXX by an individual claiming to be Discover Card and that I had 2 possible fraud purchases on my Discover. They claimed to be a firewall for the company and was verifying my card information. They knew my Credit card number expiration date, I verified the 3 digits on the back ( stupidly ). They knew my Banks name, routing number and my account number, my balance, and my social security number. They wanted to put protection on both my Discover card and my bank, and any other credit cards I had. They advised me to get on my computer, check my bank balance and and pull up the browser so they could add a firewall protection. Problem for them was I didnt know what a browser was or how to open it. They attempted to help me, by telling me to just type in I believe upstart on my computer. I cant remember the name of what I pulled up but I got a number XXXX they requested, then I noticed they had a pointer on my computer screen. I ask why I could see a pointer on my screen I was told they were trying to help me get into my browser. He ask I get at least 20 ft away from my computer because my phone was interfering with the process. I was also ask to find the IP address on my internet box. By this time I was getting aggravated and had been on the phone for quite some time. My husband came in and told me to hang up it was a fraud call, the fella on the phone XXXX XXXX? he was XXXX and I had problems understanding him was trying to get into the conversation to prolong my discontinue, saying he just needed 10 more minute and my verbal permission for the process and I discontinued the call. They did attempt to call me back. The number was XXXX. 
I have already reported to Discover and the account was closed. My bank closed out my account as well.
Consumer complaint received 2022-11-16
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX account # XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.
Consumer complaint received 2023-04-23
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: EQUIFAX, INC. (NV)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX : {$870.00}.
Consumer complaint received 2022-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I engaged with a landlord to rent an apartment, and sent over deposit amount for the property, and would receive consistent messages that would cite increasing the deposit amount and speed of payment, over the matter of 2 weeks, I had sent {$5300.00} to this landlord but did not receive any move-information, updates on the property, or anything. The payments were sent through XXXX and XXXX XXXX to various emails. I decided to contact the local police department and filed a report, then sent a complaint to the XXXX XXXX XXXX XXXX, and contacted my bank, Capital one about these fraud latent charges, I havent received any updates from Capital one on these charges and being refunded.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB + Experian, This complaint is in relation to a credit account this creditor XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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. 

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 2023-10-05
Product: Credit reporting 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. The List of accounts below has violated my federal 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 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, 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 2023-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a savings account with Capital One, I called Capital One customer service to access my personal savings account. Capital One customer service rep asked me for my social security number, date of birth, old phone number and new phone number, old address, and new address so they can update my account, Capital One customer service rep also asked me to upload a picture of my id. 
Capital One customer service denied my verification and refused to give me the account number and denied me access to the savings account. I gave Capital One all the correct information to access my account, and they still refused to help me. I asked Capital One to close my savings account, since they are refusing to allow me access to my savings account. I want Capital One saving account closed for good. Capital One system needs to be updated. Capital One imposed on me to share my social security number, and according to ConsumerFinance.gov states I am not required to provide my social security number to open a checking and savings account.
Consumer complaint received 2023-10-05
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. (MI)

i checked my report and noticed inquiries i didnt make or authorize XXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-18
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. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the accounts : XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, SMALL BUSINESS ADMIN XXXX Date opened XX/XX/XXXX Balance : {$23000.00}
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

I have way too much money in my checking account and made a payment to my credit union to move {$500.00}. The transaction was complete in 16 hours. I then tried to make a payment to the same account for {$100000.00} and the soonest date they offered was XXXX or later when it was XX/XX/XXXX. I didn't like it, but went through with the process thinking they are just trying to make loans with my money with the avg cash on hand. XXXX XXXX XXXX  but not too bad. Well, on XX/XX/XXXX the payment shows as processed and the money is still in my checking account and still shows in my balance. I will note that it doesn't show in recent transactions. Just as processed under bill pay ( see screen shots ) On XXXX at XXXX, the money still shows in my checking account but says it is processed. I chatted with an agent and they played XXXX and said they didn't see any of the transactions. I have screen shots of everything on my end. I know I am out a weeks worth of interest, but more than that, this is unethical to tie up my money for this long and show the transaction as completed and still in my account. And I wouldn't be complaining if it were to show up on the other end, but its not there. So, I group this like XXXX XXXX opening fake accounts and they need to be exposed. Please audit them and I am sure you will find this as a normal practice and please hold them accountable.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NY)

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 
15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 
15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification.

15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Consumer complaint received 2024-07-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

I received my crypto distribution from XXXX after waiting XXXX XXXX for it ( forced to partner with PayPal ) As soon as PayPal received it they locked my {$90000.00} in XXXX for XXXX days. Its been XXXX  days they still wont release my funds. The account has no negative balance and I have verified ALL the info they asked me for yet they still wont release my funds. I am borderline XXXX right now because of these crooks. XXXX has fallen XXXX XXXX and I have lost almost {$20000.00} because PAYPAL WILL NOT LET ME SELL MY XXXX!!!!!! I need my freaking money back guys this isnt a game anymore this is my life and home at stake now. Please unlock my account and allow me to withdrawal my funds like anyone else wouldve. This is beyond messed up. I promise i wont use PayPal again after this
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

I opened a shared account with Wells Fargo a few weeks ago and I have now been informed that the account is being closed without any reason. I have requested to know the reason why I am no longer allowed to bank with Wells Fargo and they have refused to give me a reason. I feel like I am being discriminated against. I do not feel that Wells Fargo would have closed an account without reason on just anyone. I am a single mother of XXXX children earning a XXXX XXXX XXXXXXXX XXXX salary and it is difficult for me to hire a lawyer to fight this discrimination. I want to be able to have an account with my partner who currently banks at Wells Fargo. I want to be able to know this " reason '' so that I can rectify it. There is no reason that I should be barred from banking with Wells Fargo and if there is a reason, then I should be told what the reason is. I would like the reason why I am no longer allowed to bank with Wells Fargo or I can only assume that it is a discrimination against low income single mothers.
Consumer complaint received 2023-04-18
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. (TN)

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 XXXX XXXX XXXX. 

U.S. BANKRUPTCY COURT : # 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 2023-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.