davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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: EQUIFAX, INC. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-01
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: WELLS FARGO & COMPANY (NY)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. Ive already included this report in a previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MD)

I don't recall applying for credit with this company. I need to see written or authorization proof that I allowed this inquiry. I have also contacted them back in XXXX  with still no answer leaving me with ( XXXX ) hard inquiries on my credit report violating my FCRA Act rights.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (MD)

XXXX XXXX XXXX. ran my credit report without authorization. I don't recall applying for credit with this company. I called back in XX/XX/2023 and asked for written proof of at the time they couldn't provide. I need this removed immediately off of my credit report ASAP.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It's my understanding that FCRA 605B dictates the removal of any incorrect accounts from my credit report. Could you please assess the documents? I find some of the listed accounts to be inaccurate, and it's causing me unease.
Consumer complaint received 2023-02-04
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: CITIBANK, N.A. (WA)

XX/XX/ I recd order from Macys for {$390.00} returned XXXX days later. Sometime later I was notified that my account was past due. No statement recd. I called and late fees and interest charges were reversed. I assumed XXXX balance. I requested statement but No statement recd. I had used Star Rewards when I made my purchase online but instead of crediting my account the reward amount of {$10.00} was added as a charge. Subsequently I have carried a balance past due on my account since and still no statement unable to resolve. Credit score reduced from XXXX to XXXX because of Macys error. They are refunding all late charges etc but Citibank refuses to correct my credit history.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I did not give this financial institution any authorization to have use my personal or financial information. Therefore, the personal and/or financial information they've aquired and have reported related to any hard inquiries, late payments, missed payments, credit card utilizations, charge offs, collections are all based on my personal and financial information that has been stolen ; this is Identity Theft " when someone uses your personal or financial information with you permission '' - FTC. Per FCRA, They are to block and stop reporting all information respectively moving forward no later than XXXX business days from date of being notified. ( 15 USC 1681c-2 ). In addition, this information is private and should not be disclosed to any one with my written assent. I do not want my private information accessible to anyone I did not give written consent to. I am also using my right under the GLBA 15 USC 6802 to opt out of any financial institution I do business with to report my personal/financial information listed above to be reported to any third party company. I would like my privacy respected.
Consumer complaint received 2019-12-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Riverwalk Financial Corporation (FL)

I XXXX XXXX believes that there is no legitimate collection process for my student loans from my years at XXXX XXXX. This college closed in 2016 as a result of multiple fraud complaints. Accordingly, I request copies of full documentation to validate if the loans were nationalized with the U. S. Department of Education, or of they are private student loans. In addition, I believe that there is a process on loan forgiveness that needs to be addressed, and my rights under the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act are being violated as there are two collections against me on all credit buraus. The Deville Asset Management agency has no rights or authority to be posting these accounts totaling over {$14000.00} on any credit bureau. I demand to se the full tract of debt ownership  including but not limited to the rights to Deville Asset Management to pursue collection. In the meantime, since no such documentation proves collectability, these accounts need to be removed on every credit bureau immediately.
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd (DE)

We were using Wise for a while to transfer international money for our partners purchase and our company payments, and accept international payments. Most of our method to Wire using Wise is by depositing from our US bank account to our Wise account, and we have all proof statement for our every transaction we made. After we used Wise for three months we got notification from Wise our account is deactivated on XX/XX/2022. We tried to open Appeal, again they decded to remain our account closed. The reason for our account deactivation is our nature of business is violates of their policy section 1.2.2 ( e ), and we don't see ur business is violates their privcy. After all their decision we need to open a compliant using CFPB, and we need Wise to check our issue and solve as possible as they can.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2019-12-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ( XXXX ) The reporting of this account is inaccurate. I have disputed this with the credit bureaus for 5 or 6 times already but they still have not removed this account from my report. I have indicated in my letters the reason why they need to delete this account. First, the date opened and closed is inaccurate. Second, the balance owed is incorrect. I do not owe them {$340.00}. I have asked them to validate this account but their response is misleading.
Consumer complaint received 2019-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AR)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THIS IS ONE THAT I HAVE BEEN TRYING TO GET REMOVED ASAP FROM SOMEONE USING MY IDENTITY. I NEED THIS DELETED FROM MY CREDIT REPORTS AND BLOCKED FROM POSTING AGAIN
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo failed to honor a settlement offer made to me in XXXX by XXXX XXXX, a rep with Wells Fargo. The offer amount, {$3700.00}, was never received and it is now XXXX. Prior to this, I requested a refund in the amount of {$610.00} which includes mainly overdraft fees charged to accounts not authorized. A total of four mediation request forms were sent in, XXXX XXXX contacted me, offered settlement amount. Since no payment was received in re, additional CFPB complaints were filed. XXXX replied most recently stating numerous attempts at resolution were made, which is a lie and seems to provide the same general form response to each and every complaint. I can assure the CPFB there were no such attempts and Wells Fargo is fully aware of resolution which has been detailed numerous times. I will reiterate again here, refund of {$610.00} will resolve matter since no settlement payment was received. I have contacted the XXXX XXXX City Attorney as per instructions from a XXXX, a rep with class counsel for Wells Fargo Settlement. XXXX informed me Wells Fargo is involved in at least three class actions, XXXX Settlement, WF Settlement, also a settlement with all 50 states and the Attorney General of each state.. I have also contacted Attorney General here in Connecticut as well as California, advised them of my situation. I suspect XXXX will provide the same carbon copy reply in which case I can assure any third party Wells Fargo claims of attempts at resolution are 100 % false and bogus, he has not detailed one such attempt.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (MI)

My wallet ( XXXX ) told me to make a payment by XXXX to avoid interest charges today ( XX/XX/2023 ). 

I made two payments before, {$87.00} & {$160.00}. I dont believe interest was calculated correctly. 

Please tell me the final balance before interest was accessed and the calculation on how the interest charge came about.
Consumer complaint received 2019-12-19
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)

Hi, I have been reviewing my credit reports and requesting investigations into all accounts that appear to be reporting inconsistently and inaccurately. One of the reported accounts, XXXX XXXX ( XXXX Card ) has been reporting inconsistently and inaccurate information since XX/XX/2019 at least. Despite my numerous letters to the credit bureaus, they continued to report that the account is valid and without error. As you will see from my attachment, this is definitely untrue. From my last investigation request, I was pleased to see that XXXX  finally reacted responsibly and deleted the account based on how it was reporting. XXXX  and TransUnion continue to report the remaining account in violation of the FCRA. 

I think at this point I have been more than patient despite their lack of efforts to be compliant with FCRA guidelines. The account needs to be deleted from XXXX and TransUnion as the data furnisher appears to have no intention on reporting accurately.
Consumer complaint received 2019-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IN)

Ive had {$100.00} US currency available in my Venmo account for three whole days and have been declined over and over at atms and with transactions at store registers. Ive contacted customer support multiple times over this issue and have been getting the same generic computer generated replies even after asking for a supervisor or shift manager for customer service. Im not able to send or use this money yet there is nothing pending on my account and absolutely no way for me to be in more contact with customer service with my scheduling. I have attached some screenshot Images to confirm my claims.
Consumer complaint received 2019-12-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NV)

They took it upon themselves to contact my elderly parents and stressing them out ... my father is I'll and had a XXXX and does not need any added stress ... I am XXXX and havent lived with them for 20yrs. I live across the country from them. I am curious as to how the even got their number. Calling multiple times a day. When I called about it a supervisor told me " they have their ways of getting in contact with people ''
Consumer complaint received 2019-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CA)

I got a notification from XXXX that CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone XXXX Activity Grid Code G ( Collections ) Balance Date XX/XX/2019 Balance {$1200.00} Was trying to collect the amount listed above this creditor placed a derogatory mark on my credit file with no prior communication to even validate if the collection was mine which it is not i have filed a dispute and am waiting for results from XXXX  No collection agency should ever replace any derogatory marks on anyones credit file without first validating the death especially if it does not belong to the individual
Consumer complaint received 2019-11-28
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.
Consumer complaint received 2019-07-26
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)

Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections (OR)

I paid {$210.00} to XXXX XXXX on XX/XX/2019. I have recently paid multiple debts. I work for a utility company myself called XXXX XXXX. In Oregon if you pay the debt through the utility company the interest is forgiven. When I paid my debt to XXXX XXXX XXXX, it was also through Bonneville Collections, the interest was forgiven. A large debt I recently paid off with XXXX XXXX through XXXX XXXX XXXX, the interest was also forgiven. However Bonneville Collections will not forgive my interest for this debt that has been paid in full. I want to dispute the interest.
Consumer complaint received 2019-12-19
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: CITIBANK, N.A. (NY)

XX/XX/2019 Amount : {$1900.00} in accrued interest payment to home depot credit services. 

I'd like to start out by saying that I have perfect credit on several accounts for over a 20 plus year history. Back in XX/XX/2019, Home Depot hit my bill with an accrued interest/promotional balance payment that increased my minimum payment due significantly. I called Home Depot credit in XXXX and they agreed to let me pay the promotional balance and, in return, they would remove the accrued interest. It was not made clear to me at the time that I had to pay the promotional balance on the spot for them to remove the accrued interest charge. I was under the impression that they would remove the interest charge and that I would pay as I normally do and had some time to pay the promotional balance. I pay this bill automatically through my bank and because of this accrued interest charge that they agreed to remove ( but did not ), my payment was less than the new minimum payment they calculated. They reported me to the credit agencies as having a late payment 30 days. I want it removed
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (PA)

This is a follow-up complaint regarding my prior complaint that disputed these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block the listed items for they are erroneous and must be dealt with
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, my checking account with Bank of America had four fraudulent, unauthorized charges. I used the appropriate channels and reported the fraud immediately. Four days after the claim was filed with Bank of America, on XX/XX/2019, Bank of America had closed the claim ( Claim ID : XXXX ) and stated the charges were authorized and posted correctly. 

I discovered that a new debit card was sent to an address in XXXX XXXX, CA that does not belong to me two days prior to the withdraws. I do not know how the criminal was able to convince Bank of America to send a new debit card to an address I've never used before, but this is how the fraudulent activity was initially enabled. 

According to the checking account statement, the withdrawals in question were made in the city of XXXX, CA and the Bank of America representative claimed there was video evidence that confirmed my identity making the fraudulent withdraws. They further added that they compared the footage in XXXX with local footage taken from my frequented Bank of America location to arrive to this conclusion. 

I was not present in XXXX, CA the day of these withdraws and can confirm an alibi with my place of employment if Bank of America divulges the time these withdraws were made. 

Bank of America has declined to show me the video footage, and have referred me to the XXXX XXXX Police Department so that the footage can be released to them and investigated. A police report ( Incident No. :  XXXX ) with the department was created on XX/XX/19. 

This police report along with a letter requesting re-opening the claim has been faxed to Bank of America and have since agreed to review the case. However, they have given a window of 4-12 months to complete the investigation, which is unacceptable considering the circumstances and lack of evidence placing me at fault. 

Bank of America has not sent me any official correspondence outside of a small notification with their online banking website. I do not have any documents informing me that they have re-opened the case, nor do I have any means of inquiring further into these fraudulent charges.