davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation (VA)

XX/XX/2019 I went to withdraw money off my work card and the atm declined, so I logged into my account and saw that XXXX took {$570.00} off my card which was unauthorized, I have XXXX  as a carrier. I contacted XXXX and got nowhere, so I decided to contact XXXX XXXX and they sent a new card XX/XX/2019 and a dispute form. I did everything they told me to do I emailed the forms back Friday XX/XX/2019 at XXXX have been calling them everyday to check on updates and kept getting the same answer we are still processing your claim. So I called Tuesday XX/XX/2019 and they said they needed additional so 10 minutes later I wrote up a letter stating what happened. Later that day between XXXX and XXXX I contacted them again to get updates on the letter I sent earlier that day and they said my investigation was closed the last night the night of XX/XX/2019, nobody told me that I just proceeded to continue to send in documents they asked for every time I called and they told me I would have to wait for a letter in the mail to appeal. One associate told me I would receive my credit on day 10 which was a lie because XX/XX/2019 is day 11 and they closed my case.
Consumer complaint received 2019-09-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I mailed a certified letter to Experian requesting an investigation of the inquiry thats on my credit report. The inquiry date was : XX/XX/2019 from Company : " XXXX XXXX ''. I never applied or authorized this company to check my credit. Furthermore, I currently do not have any account with this company. Experian failed to re-investigate. I also sent a letter to XXXX XXXX requesting for proof of this authorization, yet I received a response.
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XX/XX/XXXX I received an email from Bank of America that a checking account under my name was opened. It also said the email address was changed after it was opened. After several attempts on being on the phone I was able to speak to their fraud department and they closed the account. They said this will not happen again since its flagged on my account and the next time one tries to be opened up they will need photo ID. I went I XXXX and placed a fraud alert and a freeze. I also went to all three credit reporting agencies and placed a freeze as well. I thought all had been taken care of but today ( XX/XX/XXXX ) I get an email saying a checking account was opened up at Bank of America. I called the fraud department and said there is another account opened in my name that I did not open and explained that I was told this would not happen for a second time. However it has and it needs to be closed for fraud. I am tired of this happening to me and they dont care and said there is nothing they can do to fix it that I just need to call in each time it happens. I checked my XXXX report today XX/XX/XXXX and it never did show where Bank of America is using them for verification. So why are they not using them for verification and also why do they allow checking accounts to be opened online without ID. I want this to stop and would like your help with this. Thank you in advance
Consumer complaint received 2023-02-17
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 HOLDINGS USA, INC. (CA)

This request is about information that is reported on my personal credit report from the credit bureaus listed above. I am formally disputing this account and I am requesting validation of this account. I want to stress that this letter IS NOT a request for VERIFICATION, but a request for VALIDATION. 
SANTANDER CONSUMER U XXXX Balance : {$19000.00}
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

WELLS FARGO ATM MACHINE TOOK THE {$300.00} WITHDRAWL I REQUESTED. I TRIED TO DISPUTE THE CHARGES WITH WELLS FARGO AND MY CLAIM WAS DENIED. 

i WAS CHARGED THOUSANDS OF DOLLARS FOR OVERDRAFT FEES SINCE I OPENED MY ACCOUNT WITH WELLS FARGO BANK.
Consumer complaint received 2021-12-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - late closed- XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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. (FL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the inquiry listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law and remove all negative items listed below : 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 2021-12-27
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)

This company fails to report accurate information on my credit report and their actions are adversely affecting my credit report. This company is reporting that Ive been delinquent on my credit card payments three months in a row when this information is false. I owe this company XXXX dollars, in addition, they are not available or even have an adequate customer service number to directly dispute these issues, nor do they adequately respond to customer emails. They reported my account falsely as being delinquent on XXXXXXXX XXXX XXXX XXXX XXXX XXXX in addition to XXXX XXXX XXXX  These inaccuracies should be immediately removed off my credit report.
Consumer complaint received 2024-02-20
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: Experian Information Solutions Inc. (DE)

I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.
Consumer complaint received 2021-12-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Eastern Account Systems ( Collector ) claims that I owe a debt from a medical office back in XXXX from XXXX XXXX. I did not recognize the debt so I issued credit bureau disputes of the debt and the credit bureaus ( XXXX, XXXX, and XXXX ) and they reported after 6 months of disputing as " verified as accurate '' with no proof it was actually validated ( I understand they won't disclose how they verify it ). I took it one step further and had a consumer representation firm contact Eastern Account Systems. Upon further discovery, the company had disclosed on a recorded line that when they received the first request for debt validation in XX/XX/XXXX they had not received the verification of the debt until XX/XX/XXXX ( 9 months later! ). This is a gross moral and legal injustice as they continued to report to my credit reports that they had verified the debt as accurate and per FDCPA guidelines they have only 30 days from the initial request for validation ( XX/XX/XXXX ). So not only did they breach the 30 day mark, it took them roughly 270 days to actually verify the debt. I have even gone one step further and reached out to Vice President XXXX XXXX regarding this issue and it has fallen on dead hands. This company is disgusting in their actions and have ruined my chances at getting proper credit representation which I hold very highly. I pray for this company to dissolved and discredited in all of their actions. Absolutely terrible functionality and arguably illegal.
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo has been engaging in false misleading practices stating that I owe an alleged debt. I have sent multiple notices and correspondences and they still have not verified under perjury that I owe this alleged debt. They have voluntarily marked my consumer reports " late ' and never told the consumer reporting agencies that the account is being disputed which is also unlawful. They stated that the FDCPA does not apply to them but consistently uses language of a debt collector. They have refuse multiple tender of payments and demanded checks and/or cash and it is unlawful to demand anything. 
I have typed up a Cease and Desist notice demanding the following : 1. Documented evidence including books of accounting 2. Name and address of Original Creditor 3. A Federal stating that I the consumer owe this alleged debt 4. Proof that the corporation is not bound by Article 1 section 10 of the Constitution 5. That the " billing statement '' is really a credit owed to the consumer. 

I gave the company 15 days upon receipt of the notice to provide all that is demanded.
Consumer complaint received 2021-12-27
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. (IL)

The account listed below is reporting inaccurately on my credit report and it is in violation of The 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 mine and is correct. After further investigation, the account is reporting inaccurately. I have NOT been provided with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Absolute Resolution : This account has been paid. 

XXXX XXXX XXXX XXXX XXXX XXXX ) : I have never had cell service through XXXX XXXX XXXX.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (OH)

I had a credit card with NY & Co, had placed an order in XX/XX/2021, and XX/XX/2021. I then placed my third order of 2021 on XX/XX/XXXX. I received no error message, and order showed processing. I received a letter on XX/XX/2021 stating my account had been closed due to inactivity and/or information on my credit report. My score had recently gone down due to increased usage overall, but Ive never been late on any credit card payments. The funny thing is, they still shipped the order, even though they closed my account, so they still wanted that sale. I called Comenity, and they stated that was their policy. They said my account was closed on the XXXX, and it must have taken a couple of days for it to show, since I placed my order on the XXXX. So now I received my order that I had to pay on a closed account. Even if my overall usage went up, I had been making purchases with the company and was never late on this card or any others.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America has reported my status as past 30 days delinquent. However this payment was made on time on the app. However it was never applied. Bank of America acknowledged it was an error and reversed the late fee, but said they could not reverse the credit reporting. Because of their error, my credit score has decreased by XXXX points! I have lost all of my credit usage with other cards, and now I cant even get a car loan. I have never missed a payment in my life. I am hoping you can fight for me to rectify this situation.
Consumer complaint received 2023-04-06
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. (FL)

When I review my updated credit report, I see that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$24000.00}XXXX XXXX XXXX Balance XXXX {$23000.00}
Consumer complaint received 2021-12-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc. (CA)

Im really worried that USCB AMERICA is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX have the right to privacy. USCB AMERICA has committed infringement upon my consumers right to privacy. 

I, XXXX XXXX never granted consent to USCB AMERICA to contact me. USCB AMERICA has/ or purchased my private information without my consent. I never contracted with USCB AMERICA. USCB AMERICA is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand USCB AMERICA to validate this alleged debt. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for USCB AMERICA to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ). 

USCB AMERICA violated 12 CFR 1006.14 ( B ) -1, USCB AMERICA has been abusing me and harassing me in an attempt to collect an alleged debt by repeatedly and continuously calling me.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXXcurrent i have reached out to both the company and all 3 credit bureaus. i would like to file a complaint regarding the reporting of XXXX XXXX last delinquency date of XX/XX/XXXX instead of XX/XX/XXXX when the repossession occurred. 
This is being reported to XXXX and TransUnion per the credit report. since its been reporting wrong i would like it removed
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have requested all original documentations. That is pertaining to a debt that is being reported on my Experian credit report. I sent a certified letter requesting that XXXX XXXX XXXX XXXX. To send ALL original documentations to a debt that is currently showing on my Experian credit report. I sent the letter on XX/XX/2023. I received a confirmation letter from the postal service company. That it was signed for and delivered on XX/XX/2023. 
It's been over 2 months since It was delivered and signed by the company. I have yet to receive any original documentations from the alleged debt. See Attached Documents of certified letter and signed date.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Per the FCRA as federally protected consumer I am not opting out of any and all authorization of reporting. I the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2022-09-25
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. (DE)

Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was eight months pregnant with our baby girl. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-27
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. (DC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2021-12-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OPORTUN FINANCIAL CORPORATION (MI)

Oportun Visa, just called me at XXXX XX/XX/XXXX about a debt, they have violated the law as I wrote them a cease and desist letter in XXXX of XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : XXXX  days late as of XX/XX/2021 I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

I opened a Robinhood account ( online broker ) around XXXX of 2021. I deposited money into the Robinhood account in several steps in XXXX 2021 and now have approximately {$29000.00} in the account. 
I then tried to set up cryptocurrency trading, by uploading pictures and documents to satisfy their requirements. Robinhood 's investigation of me has somehow made them think that there is some kind of fraud concerning me and the account. Since then they have disabled my ability to trade anything, or withdraw my money. 
I have been communicating with them by email and phone, but they are extremely slow and now seem unresponsive. 
Please help to nudge them to resolve this issue.