davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/23 I received a letter about a check that was deposited didn't go through. No warning just your normal check did not clear letter. Go to check my account XX/XX/XXXX  can't access my account. 
Was told due to this check being deposited my account is closed I can't open an another bank account for 5 years. How is this fair. Due to people like me who was getting supposedly paid but now I have no bank account. What happened to a phone call. Or better yet some kind of communication. Or has banks gotten so greedy they don't care about the little guys money anymore. This was with bank of America
Consumer complaint received 2021-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LTD Financial Services, L.P. (MS)

On XX/XX/XXXX XXXX I received a response regarding another complaint at which I submitted about this company. It stated they will stop all attempts to collect until proof of debt is provided. Proof has not been provided but the debt is still attempting to be collected. Once on XX/XX/XXXX at 2021 at XXXX and once again at XX/XX/XXXX at XXXX am. I do not owe this debt. This debt has been paid and has been reported as such to XXXX XXXX by XXXX XXXX the company whom LTD financial is claiming to represent. The debt was paid as agreed and I gave bank statements and a copy of the report submitted by XXXX to XXXX. This company continues to harass me.
Consumer complaint received 2021-12-26
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: Experian Information Solutions Inc. (FL)

I am requesting to remove account # XXXX XXXX SYS XXXX my credit report, which is currently showing as paid-in-full. As this account is no longer an oven obligation, I need this account removed from my report, supported by 15 U.S.C 1681.
Consumer complaint received 2021-12-26
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. (VA)

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed the FTC Report as well and the report number is XXXX. The FTC Report is attached. 

These fraudulent credit inquiries were made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX on XX/XX/2021 XXXX. XXXX XXXX on XX/XX/2021 Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2023-01-20
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: EQUIFAX, INC. (TX)

In accordance with 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 XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXXXXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse 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 a reasonable cost to believe that this information is an inaccurate.
Consumer complaint received 2023-01-20
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. (NC)

Disputed information on Credit Report with XXXX and Experian. They are both reporting late payment history on collection accounts, there are several accounts that have exceeded the statute of limitations that are still reporting and need to be be removed as per the FCRA. I have sent several dispute letters and the information isnt being investigated/ and or removed. Its frustrating because Ive done it repeatedly and the same accounts remain. Not to mention to personal information that doesnt even belong to me.
Consumer complaint received 2021-12-26
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. (CA)

I am a victim of transunion inquiry issues i tried to contact customer service but they would not help and take care of the negative inquiries reporting to my credit report. Here is a list of the inquiries i ask to be removed XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX DBA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 2020
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (CT)

I have had this account since XXXX. I have never missed or had a late payment. In XX/XX/XXXX, the company arbitrarily decreased my credit limit by almost 30 %. This decrease had nothing to do with my account history and has caused my credit score to drop
Consumer complaint received 2021-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (KY)

On XX/XX/XXXX I received an email from Wells Fargo that they are sending me a new debit card because they believe my current card was susceptible to fraud- this was not a result of my request. On XX/XX/XXXX, I attempted to use my debit card but it had already been hot carded, despite the fact that the email on XX/XX/XXXX said it would take 5-7 calendar days to receive the replacement card. My new card has not been received, nor have I activated it, so I do not believe Wells Fargo should hot card my card, leaving me without access to my funds. 

This measure is taken by Wells Fargo on an annual basis almost. Each time, its a significant disruption to me, not to mention, embarrassing and frustrating having my card declined when I have enough funds in my account.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

In applying to get this information removed for about the seventh time I will refused to stop trying to because of my rights. Also I have been told that the CFPB hasn't looked because of the fact that they have a XXXX who have an complain in and because of this don't repay and therefore the credit company knows this and gives the same answer and that is not right. It's not my fault nor is it the problem of everyone that has filed an complaint. This information was removed by XXXX because of the facts and therefore moved the it from their records based on the same facts i attached in the to this complaint. There's a need to assure that the consumer reporting agencies exercise their grace responsibilites with fairness impactiality and respect for consumers rights to privacy in applance with the fair credit reporting act 5611. 15. U.S.C. & 16811 states that the information must be deleted.
Consumer complaint received 2021-12-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Century Credit & Collections, LLC (CA)

I have submitted a complaint about Century Credit and Collections before and They wrote a poorly worded response back and now CFPB won't let me answer the response. I will take this opportunity to respond to the lies Century Credit and Collections wrote about me. 
I will not repeat why I made a complaint but basically, they added charges that were unfair and when asked to remove those charges I was threatened with being reported to the Credit bureau. A representative from this company responded to my complaint by saying that when I called them to ask the charges be dropped I said derogatory things. This is LIE. What did I say? I would like the representative from Century Credit and Collections to please answer what I said Because I was very respectful and wanted to resolve the problem as soon as possible. This company will lie and bully you and there is no one to help. I will continue to spread the word and complain to anyone who will hear me until this bullying is stopped. The Company did in fact report me to the credit bureau to hurt me even after I paid for the debt in question.
Consumer complaint received 2021-12-24
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. (MD)

RE : Inaccurate Reporting to Credit Bureaus Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX incorrect balance information about my XXXX account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued XXXX customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform XXXX XXXX XXXX of accurate credit bureau reporting
Consumer complaint received 2023-07-31
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 item/accounts/information 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 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
Consumer complaint received 2021-12-24
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. (MD)

RE : Inaccurate Reporting to Credit Bureaus Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX incorrect balance information about my XXXX account to all three credit bureaus. My balance has been incorrect since XXXX of 2021. I have disputed this issue multiple times and no changes. This has caused my credit score to not reflect my positive payment history and balance. 

As a responsible and valued XXXX customer, I deserve to have accurate reporting. If I was late on my car payments, I would not have to take time out of my day to inform XXXX XXXX XXXX of accurate credit bureau reporting
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA (OR)

Re : XXXX XXXX XXXX XXXX XXXX The bank and XXXX XXXX advertise that one would receive 80,000 points when {$3000.00} is spent during the first three billing cycles after the account is opened and an additional 40,000 points when {$5000.00} is spent during the first twelve billing cycles. I spent over {$5000.00} during the first three billing cycles and received the 80,000 points but not the 40,000 points.

I then contacted the bank inquiring about the lack of posting the additional 40,000 points.

I was informed that 40,000 points was an " anniversary '' award that would be posted after one year had transpired. No where on XXXX XXXX 's or the bank 's website is the term " anniversary '' used.
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX ETH from my Gemini account to fraudulent investment firm ( s ).

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Gemini did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Geminis custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Gemini promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Gemini was in compliance with its own policies and procedures ; ( v ) whether Gemini owed duties to myself, what the scope of those duties was, and whether Gemini did not uphold those duties ; ( vi ) whether Geminis conduct was unfair ; and ( vii ) whether Gemini has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2021-12-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (TN)

Tried to send funds to XXXX. My niece needs a pacemaker. Very confusing instructions. XXXX did not explain that they would send separate emails. I did not know what to do. My bank sent some text messages with 6 digit codes. 
Did not know what to do with these codes. Thought everything was fine until my niece emailed me asking why I cancelled transfer. I did not cancel. XXXX cancelled and then deactivated my account. Feel like I was never given a chance to try again. Filed an appeal and it was rejected. First time to use XXXX and found it difficult. Not computer smart. XXXX XXXX XXXX XXXX XXXX. This is all frustrating.
Consumer complaint received 2022-12-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

My XXXX XXXX loan for a XXXX XXXX was not total cashed out according to the guidelines of the XXXX claim checklist filed with XXXX XXXX XXXX. The credit report show that the balance was charged off at XXXX. The balance should.be XXXXThis is affecting my debt.to XXXX XXXX and the vehicle was wrongfully repossessed... I have most documentation and will observe and report accordingly... 

XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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. (MI)

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (MD)

In accordance with Fair Credit Reporting at XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 : States I have rights to privacy 15 USC 1681 section 604a section 2 : It also States a consumer reporting agency can not furnish account without my written instructions 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for purpose
Consumer complaint received 2022-11-10
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. (MI)

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 Accounts : Account numberXXXX  Date openedXXXX  XXXX, XXXX Account typeCollectionName XXXX, XXXX. 
Address XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX Account numberXXXX Date XXXX XXXX, XXXX Account typeCollectio Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( XXXX ) XXXX Account XXXX Date XXXX XXXX, XXXX Account typeCollection XXXX XXXX ACCOUNT XXXX  Address XXXX XXXX XXXX XXXX, CT XXXX Phone number ( XXXX ) XXXX 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 2022-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX is reporting a late payment on my credit report on XXXX of 2018. I have tried calling them to correct the error they caused on their end and they guided me to submit a dispute with the credit bureaus to correct THEIR mistake. So I did, several times. I have submitted disputes with the Credit Bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to try and get this late payment removed because I was not Late. The Credit bureaus stated that they reached out to XXXX XXXX, Account number XXXX who said the information is accurate which contradicts what a representative told me over the phone. 
My husband and I were hit with this late payment out of nowhere and are not sure where to be able to turn now because of it,. We read online that this is our best shot to get the inaccurate late payment removed since they are not abiding by the FCRA.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I'm submitting this complaint against all XXXX major credit reporting agencies. 

I've submitted a letter to the credit bureaus, XXXX, Equifax, and XXXX, on XXXX XXXX. This letter asked for detailed information regarding how the account information on my credit report was investigated and validated. Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act states that the credit reporting agencies are required BY FEDERAL LAW, to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 

I have demanded to see verifiable proof ( i.e. an original consumer contract with my signature on it ) that they have on file for the accounts list below that appear on my credit report. These inaccuracies have hurt my ability to obtain credit. 

Under the FCRA, any unverifiable accounts must be removed from my credit report and if they are unable to provide me a copy of verifiable proof for these accounts listed below, they must be removed from my credit report. 

I demand that these accounts be removed from my credit report immediately seeing as that this investigation has gone on longer than 30 days and there has not been any verifiable proof ( i.e. an original customer signed contract with my signature on it ) presented within the 30 day investigation window. 

The accounts in question are listed below : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-07-31
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. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have visited multiple car lots and only authorized a credit check once but it was checked numerous amount of times. Which impacted my credit in a negative way.