davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a XXXX credit builder account that is a prepaid card. I have to place money on the account before I can spend said money. The money I place is supposed to act as my credit limit and I am unable to spend more then I have placed. XXXX reported in XX/XX/2021 to transunion that I owe {$180.00} which is impossible due to the fact that if I try to spend more than I have already paid it will decline. After disputing with them and the credit bureau several times I moved all of the money I had left on the card to my other account with them and have not used this card since. They say they report monthly but never updated in XXXX and are still telling me the balance showing on my credit report is correct even though I have been at XXXX since the beginning of XXXX. Due to how they are reporting this, it is negatively affecting my credit score despite the fact that they advertise their card will increase your score exponentially. I would like my credit report updated to reflect the correct balance of XXXX and their practices reviewed for how they report PREPAID cards.
Consumer complaint received 2021-06-29
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. (CA)

In 2019 I reported fraud on the account to the credit company. The company did nothing, the fraud continued and all the money was take by a dating agency. I stopped using the card, but it was still being charged by the dating agency. I called the credit card company because of the fraud they didn't do any thing but allowed the fraud to continue. I cancled the credit card and I currently do not have an active card on this account. However, I am stilling charged and paying late fees because of a monthly charge on a inactive credit card account. I have told them I don't have an active card on the account but I am still being charged for a card and it's ruining/distorying my credit. Please help. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NM)

On XX/XX/XXXX I called Equifax to have them unfreeze my credit. I had done this two months ago without problem and thought it would be a quick call. On the first call I had gotten through verifying my identity and was about to have a confirmation code with the cs rep let me know there was an internal server error. She told me to call back in 24-48 hours and they would be able to complete my request. I called back XX/XX/XXXX and was told I needed to go through the same process. At the end of the call I was told the same internal service error was continuing. I asked to speak to a supervisor and was argued with by representative, finally put on hold and 20 minutes later hung up on. This has repeated on a daily basis as I am trying to move and can not do anything with frozen credit. This has been far and away the worst customer service I've experienced from a national brand - let alone one handling my credit. I would like to have this problem resolved or at the very least be communicated with as to why it is happening.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

There is a security freeze on my SageStream credit report. I did not request it. It was added fraudulently. I'd like it removed. I'd like to know how someone else was even able to have it put on there.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing to inform you that there are several accounts on my credit report that should not be there. I have attempted to contact the companies and the consumer reporting agencies to investigate this matter, but I have not been successful. 

I would be grateful if you could review this issue and help me in getting the accounts removed from my credit report. Any assistance you can provide would be much appreciated.
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

the same original creditor " XXXX " reinsert the same collection with a different Agency " XXXX XXXX XXXX '' with out a 5 day reinsert notice via mail which is a violation please remove. 

Please validate this debt or remove it
Consumer complaint received 2021-06-29
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: Experian Information Solutions Inc. (IL)

I am a victim of identity theft and I sent Experian my FTC report, drivers license, sec, police report, affidavit notarized, and list of accounts and inquiries that are not mine. They have failed to reply back to me in the appropriate time frame and they also responded to my previous CFPB complaint number XXXX saying that there was a third party working on my dispute and they need authorization with Identification documents sent in for them to continue.I already sent in EVERYTHING to them and I'm working on my disputes by myself!
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

My name is XXXX 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.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Dear CFPB, I wish to advise you that Wells Fargo Bank has closed my accounts without my knowledge. To my dismay, after 39 years doing banking business, they have ruined my accounts and have created XXXX XXXX frustration and financial penalties due to their Illegal actions. I say they are illegal as the CFPB recently fined Wells Fargo Bank {$3.00} Billion for this exact issue I am dealing with. 
What occurred : I was in a high value arbitration for 21 months. An award was issued to me in this case and a wire was sent to my Wells Fargo Banking account with this money on XX/XX/XXXX. The funds arrived and I began using these funds to catch up on bill payments that needed payment. Everything was fine until the morning of XX/XX/XXXX when I received 3 separate emails from Wells Fargo stating that my account were closing on XX/XX/XXXX. 
Four phone calls on this day bared no answers as to " Why '' my accounts were closed other than they representative at Wells claimed that my finds received were unauthorized. Another phone call on XX/XX/XXXX also was unsuccessful getting answers regarding the closure of my accounts. 
I have since opened accounts with XXXX XXXX  in hopes to get my money out of Wells Fargo Bank due to their illegal, unethical and disturbing actions I have experienced. Their actions have caused XXXX  XXXX  stress, XXXX XXXX  XXXX XXXX and have made me sick. Wells  has been fined but still has not corrected the system that is in place they were fined to fix. I hope that the CFPB can assist me in cleaning up this mess I am in with Wells Fargo to get on with my life. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-12-28
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. (FL)

Contacted company a little over a month ago to opt-out of sharing my personal information/data to third parties ( Experian, XXXX, XXXX ) XXXX My consumer report still has not been updated and its been past 30 days. They are in violation of the US Law 16 CFR Privacy of Consumer Financial Information. I would like the specific account removed from my report exercising my rights pursuant to 15 U.S.C. 6802- Obligations with respect to disclosures of personal information and 15 U.S.C. 6805- Opt-Out enforcement which all coincides with the United States federal law The Privacy Act of 1974 establishing a Code of Fair Information Practice.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (IL)

Recently, I did an investigation on my credit report which has caused me severe XXXX and anxiety upon finding unverifiable, invalidated, inaccurate and questionable items that the credit reporting agencies are reporting on my credit report. 

In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. Code 1681e ( b ) and 15 U.S.C. Code 1681i ( 5 ) the following accounts are in violation and not reporting 100 % accurate as well as violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX. Acount # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # 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. 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 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 ) states : 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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2023-12-28
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. (NY)

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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15. U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MT)

I was using PayPal XX/XX/XXXX for a XXXX XXXX the persons running it charged me XXXX for XXXX sessions I tried one session out n didnt like it I contacted PayPal to refund my money because he wouldnt PayPal then said I was in the wrong even tho I wansnt an am they wont return the XXXX since I never continued the sessions I feel this isnt right an I sent him a message asking for it back he refuSed if I have to contact the police I will n be pressing charges for fraud against him this is his message he sent to me You went straight to paypal to do your dirty work for you. 
You failed. 

I'm sorry you were unsatisfied but you had your chance to voice it. You chose not to. You instead acted like a child, ignored the warnings you were given in the voice call to begin with and then thought you'd get paypal to do your work for you. 

I will not be refunding your XXXX dollars. Paypal has agreed in my favour, you were fully and completely aware of what you were paying for, how and why you were paying it. 
Your actions just seem to be someone who just didn't like it I am under XXXX obligations to refund you. 
XXXX. XXXX so please help me I dont know wat to do an I need that money back for bills
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (CA)

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.
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (CA)

This is claim against PNC Bank. PNC Bank is not honoring its policy of 24 hours of extra time remaining. When the balance is less than {$0.00} PNC bank gives you a 24 hour period to bring the balance to positive before charging overdraft fees. On XX/XX/XXXX my balance was negative- {$170.00}. I received a alert email from PNC bank stating that if I didnt bring my account to at least {$0.00} by XXXX XXXX  on XX/XX/2023 I was going to be charged overdraft fees. I brought my balance to positive within the dateline. 
On XX/XX/2023 at XXXX XXXX  my balance was {$2.00}. The next morning XX/XX/XXXX I noticed the account was charged service fees of {$7.00} and that I was also charged an overdraft fee of {$36.00} leaving my account negative. My account balance was positive at XXXX because I brought my balance to positive before the dateline yet I was charged overdraft fees. The time passed between my positive balance and the {$7.00} service fee was less than 24 hrs. I called the bank but they refused to help or remove the overdraft fees from my account. 
Account # XXXX
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated (TX)

The debt collector has sent me nothing to verify the debt. I have no knowledge of this debt collector. I have seen nothing with my signature on it that verifies any debt owed to the original creditor nor a statement that shows what they claim I owe. Also, they have not provided me any account numbers from the original creditor they claim I have debt with. This is inaccurate information as it does not list my account number on my credit report which constitutes inaccurate information which violates the FDCPA Act.
Consumer complaint received 2020-04-21
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: Experian Information Solutions Inc. (VA)

i inquired of experian to please let me THE CONSUMER know the methods of their validation as to the reporting of a bankruptcy on my credit report. I have disputed with experian and their results came back to me on XX/XX/XXXX, stating the bankruptcy REMAINS, which means they will continue to report this. They have no right to furnish this information without proper investigation. Although they have responded to my previous complaint, it was a " copy and paste " general response.I have disputed this for so long i deserve a proper response. All data furnishers have NOT released any information Experian, i have also submitted a paper from the court, stating that they did not provide this information, FURTHERMORE, XXXX  and XXXX  have done a PROPER investigation and have deleted this bankruptcy error on XXXX and XX/XX/XXXX ( which i have uploaded documents attached to this complaint ). I demand HOW HOW HOW they have the right to furnish, and their methods, I will also make complaints in other venues, and keep careful records of this
Consumer complaint received 2023-02-15
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. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The XXXX  are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX SSN : XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to you requesting an investigation into items listed below. 
The below accounts are INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is myTHIRDrequest, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. 
I regret that I am being forced to take such action. 
Please see my reasons for dispute below : XXXX XXXX As the original credit and executor, I never granted any specific company the right to contact me, and they did so continuously using abusive tactics. Under the Fair Debt Collection Practices Act 15 USC Section 1692 I was a victim of invasion of my privacy.You are violating laws enacted by congress, and I am aware of my rights as a consumer. Remove this defaming information immediately. 
XXXX XXXX The late payments on this account are inaccurate and are in direct violation of 15 USC 1681s-2 ( a ) ( 1 ) ( B ). In addition to that, these late payments can not be validated. - Please remove this inaccurate information from my report. This company is in direct violation of congress law. Please investigate and delete immediately. 
I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
This account has also been in a dispute status all while still attempting to collect debt, and I've yet to receive verification of debt via mail with proof of ownership of this specific charge off account Sincerely, XXXX Attn. : Consumer Relations XXXX P.S. Please be aware that dependent upon your response, I may or may not be inclined to prepare a statement for online public release, including documentation of any potential law violations that I will be preparing all documentation for validity and forwarding all said complaints to the organizations below : CC : XXXX XXXX, Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 CC : Law Firm XXXX , XXXX & XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : Credit and Insurance 1 of 2 CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints Consumer Financial Protection Bureau po box 4503City, Iowa 52244 Enclosures : Proof of Address Proof of Identity
Consumer complaint received 2021-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (CA)

I received notice from several credit monitoring agencies that the USCB debt collection company has reported about a negative collection account in my name in the amount of {$100.00}. I have not received any notices from USCB and I know that the company has my address because they responded to a complaint I filed in 2019 and my address has not changed.