davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-18
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: EQUIFAX, INC. (VA)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. 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 ) and a serious breach of my privacy rights.
Consumer complaint received 2021-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account and inquiries stated in this form.
Consumer complaint received 2021-01-18
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. (VA)

While checking my most recent credit report, I noticed credit inquiries that i did not authorize. 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 ) and a serious breach of my privacy rights.
Consumer complaint received 2021-01-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I already submitted my claim to CFPB regarding this claim, however Wells Fargo refuses the do the proper investigation to my claim, instead Well Fargo easy way out was to changed the facts and the information given. 
Wells Fargo Bank has been giving me the runaround for the last five months. Well Fargo must need to send the information given to the correct department to do the fraud investigation for the check XXXX XXXX forged the signature to cash the check and also the illegal steps he took to get a hold of this check and the money, Wells Fargo Bank should not be allowed to let this criminal XXXX XXXX to legally scam consumers. 

XXXX XXXX foraged the signature to endorsed the cashier check, cashed at Wells Fargo Bank. XXXX has returned the check and has served a subpoena against Wells Fargo Bank for relevant documents. Despite the check being made payable to a corporation, the check is endorsed as an individual and not on behalf of the named corporate entity, by someone with authority as is required under California law. Moreover, given that Ms. XXXX is named as every officer and sole director, she would be the only individual capable of authorizing any endorsement of the cashiers check. Consequently, without any authorization from Ms. XXXX, this is a fraudulent endorsement perpetrated by XXXX, notwithstanding the check wasnt endorsed as required by California law on behalf of the corporate entity. 
The information provided is squarely relevant to this analysis and shows beyond the fraudulent endorsed check, the larger scheme to defraud Ms. XXXX who is likewise trying to defraud XXXXXXXX XXXX. 
** SEE ATTACHMENTS
Consumer complaint received 2021-01-17
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. (CA)

XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FinCo Services Inc DBA Current (FL)

{$770.00}. XXXX XXXX XXXX  They trying to false charge my account for a debt when I have proof saying they was sending it back To Me
Consumer complaint received 2021-01-15
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: Santander Consumer USA Holdings Inc. (MO)

I Have submitted the applications the leander sent me directly to my email that they wished for me to fill out to change the late payment status to my car notes there are 4 of them due to covid crisis. ONCE DONE WITH THERE DOCUMENTATION no results occurred. And I was told to write a 601 goodwill letter over the phone.I did write this letter over 45 days ago.Aslo I have choose to get help with them before I submitted this claim today Unfortunately they simply TOLD ME APPLYING at cfpb would be best. This is Ridiculous I have lost 125 point before I can finance a new home during covid. And have been taking the proper steps the company has not.
Consumer complaint received 2021-01-15
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 — Their investigation did not fix an error on your report
Company: CONTRACT CALLERS INC (AL)

I saw a bunch of unknown collections in my report and I am wondering why they ended up under my sleeves. I want these accounts be removed because they are not mine and it really ruins my scores so bad. It will be a great help if we will enforce what is right based on FCRA. I have researched about this and I am sure that my rights were violated by simply reporting an inaccurate report.
Consumer complaint received 2021-01-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I receive Government benefits, on XX/XX/XXXX I withdrawal {$300.00} from my actual Bank ATM, XXXX XXXX XXXX XXXX. I was distracted and did not pull my funds from machine in time. Next day waited for bank to have money returned. XXXX XXXX XXXX XXXX wasnt scheduled to audit until Thursday XX/XX/2021, meanwhile they directed me to file claim with Bank of America so that once they receive claim they could refund funds to my account. So I called Bank of America, explained the same above. Received claim number, called to check my balance, which was {$160.00}, was hoping {$300.00} was returned as well. Called few hours later and it stated my card was closed. Spoke to several representatives, XXXX, XXXX, XXXX, XXXX, and XXXX the that hung up on me after I ask to speak to someone over her. Its now day 5 and I explained my hardship of not even being able to buy food nor my medications. Finger pointing for days, which I complied with all suggestions. Spoke to XXXX EDD nothing wrong on their end, verified my identity, sent to Bank of America, my card is Closed/Frozen/Hold/Freeze/temporaryhold. I need my money to survive. My card was not reported stolen, never have I had a problem. The reason for my call was a error done by me, and they froze the remaining funds I had access to, and I am counted amongst XXXX XXXX others cards that are frozen. I am verified, spoke with XXXX and XXXX XXXX let me know they are in fact over by {$300.00}, wanted to give it back but didnt want double jeopardy. So I am in a deeper hardship and Bank of America representative XXXX, hung up on me. My card should have never been frozen. I need my funds. Spoke to so many for 5 days, and I seem to be just XXXX XXXX with the same problem. I need food, medication and low stress levels. I have complied, unfreeze my card.
Consumer complaint received 2021-01-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 47 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! I have false reporting of accounts to my credit report that do not belong to me! Also after further research I found out my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-01-17
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)

XXXX XXXX aka XXXX XXXX XXXXXXXX are reporting to both my Experian and XXXX  credit reports that this account is charged-off and is closed and past due for more than {$1400.00} dollars in past due payments none of which is true. 

I spoke to the this creditor 's branch office at phone XXXX XXXX XXXX and was advised by XXXX that the account was not charged-off, but 30 days past due. I didn't agree and asked for an itemized statement on XX/XX/2021 which was met with the excuse that she would email her manager to get an itemized statement. I paid the allegded past due payment without proof that the account was past due. 

I contacted Experian to have the item disputed. They didn't updated to reflect current accurate information that account was not charged-off. 

I contacted XXXX XXXX corporate office referred to the collection department and was advised account was not in collections and was referred back to branch office to resolve this matter. Branch office when contacted said they don't have authority to make corrections to credit report but did agree that account wasn't charged-off or past due.
Consumer complaint received 2021-01-17
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. (CA)

XXXX XXXX aka XXXX XXXX XXXXXXXX are reporting to both my XXXX and Transunion credit reports that this account is charged-off and is closed and past due for more than {$1400.00} dollars in past due payments none of which is true. 

I spoke to the this creditor 's branch office at phone XXXX XXXX XXXX and was advised by XXXX that the account was not charged-off, but 30 days past due. I didn't agree and asked for an itemized statement on XX/XX/2021 which was met with the excuse that she would email her manager to get an itemized statement. I paid the allegded past due payment without proof that the account was past due. 

I contacted XXXX to have the item disputed. They didn't updated to reflect current accurate information that account was not charged-off. 

I contacted XXXX XXXX corporate office referred to the collection department and was advised account was not in collections and was referred back to branch office to resolve this matter. Branch office when contacted said they don't have authority to make corrections to credit report but did agree that account wasn't charged-off or past due.
Consumer complaint received 2021-01-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc. (OR)

I received a letter from Convergent Outsourcing Inc out of XXXX Washington attempting to collect on a debt on behalf of XXXX XXXX. The letter was a settlement offer letter of {$2300.00} out of a {$6600.00} debt they say I owed. I contacted them on XX/XX/XXXX and filed a dispute. I did not remember ever having an account with XXXX XXXX, so I called XXXX XXXX  on XX/XX/XXXX and spoke to XXXX in their auto charge-off section. They indicated that I had an account at one time, but there was no data on file for it. It was during that conversation I figured out the debt stemmed from a lease that was broken in XX/XX/XXXX, which was also the date of last activity, or DOFD. I know this date, because it was the month I was XXXX and XXXX until XXXX. It is old enough that they have no record of it other than I had an account with them at one time. XXXX did state that they closed their file out in XXXX. At the time they closed it out it was 11 years old. XXXX also indicated they had no idea whom Convergent was, or the company convergent said sent the file to them. The name of that company is named XXXX XXXX. I called Convergent back to inform them of the information I had discovered and they were less than cordial. 
I researched both collection companies, XXXX and Convergent. Upon doing that I became increasingly concerned about the future of my credit. I know how difficult it can be to fix a credit file having worked in Banking for over a decade. I decided to file a complaint. There are many people that would be bullied by companies like this that prey on the uniformed public, know those debt are both uncollectable and not subject to judgement. Their letters clearly state that they will report it and may take action including legal action. 
I have sent a written dispute top them, an email dispute to them, and filed one Verbally. I am now filing a complaint against them. 

Convergent Outsourcing Contact Info : Convergent Outsourcing XXXX XXXX XXXX XXXX, WA XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I attempted an ATM withdrawal of {$700.00} on XX/XX/XXXX at XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX , CT XXXX drive-tru ATM. ATM ID # XXXX Serial number on receipt XXXX. No cash was dispensed, the ATM machine was making a clicking sound. Afterwards I made an another attempt and the same issue occurred. I received an email receipt of the withdrawal of {$700.00} and it appears on my online account as well. I filed a claim with Bank of America ( claim number : XXXX. I received a mail from the bank on XX/XX/XXXX stating my claim was closed and the cash was dispensed properly and no error occurred. This letter has a phone number " If you would like to request copies of the documents we reiled on to reach this decision, please call us at XXXX '' I called this number twice and was able to talk to representatives however they refused to provide the mentioned documents and the written results of the investigation. This ATM location has multiple cameras. On the recordings they were supposed to see what happened and I even signaled to the customer behind me about having issues with the ATM.
Consumer complaint received 2021-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I spoke To a representative from XXXX MasterCard through XXXX XXXX. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with XXXX and XXXX
Consumer complaint received 2021-01-17
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. (CA)

XXXX I sent a ltter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point
Consumer complaint received 2021-01-16
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. (OH)

I spoke To a representative from XXXX MasterCard through XXXX XXXX. They put me in a deferment plan due to covid where I wouldnt Have to pay for two months, no fees and no derogatory marks on my credit report. Two months later I get spamming calls every single day regarding the payment before it was due. And they reported to the credit bureaus that I missed Three months of payments even though I have Proof I paid The third and fourth month with them. I want These lates removed and all late fees associated as well as my credit score fixed. This prevents me from any lending I want To do regarding buying a house or getting a credit card to transfer balances or even consolidate my debt. Ive spoke to them multiple times and filed mutiple disputes with transunion and XXXX
Consumer complaint received 2021-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed accounts that are reporting on my credit file by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. However, the items listed below were reinserted without notice : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I demand that you immediately delete the negative items from my credit report in order to avoid legal action. You have denied me of a fair dispute and you are in violation of my consumer rights. I am submitting this complaint separately to the Attorney Generals Office and the XXXX. Please act accordingly in this serious matter.
Consumer complaint received 2021-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

On XX/XX/XXXX I was notified by the credit agencies that a negative report was filed against me for a collection. Upon further research the account was paid directly to XXXX XXXX. Additionally XXXX XXXX claims to have provided one notification via USPS prior to sending it to collections. Supposedly the collection agency listed below receive the file in XXXX. I have never been contacted by them in any way and yet they feel they can just post negative information. I have contacted them directly but of course no response. 

This collection agency was notified I would take action if they didn't rectify the situation for which they did not. 

HELVEY & ASSOCIATES IN Account XXXX
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

On XXXX, I contacted the credit information furnisher Comenity Capital/XXXX via certified return receipt letter, disputing the information on my credit report in all three bureaus. The credit company received my dispute letter on XXXX. I received a response letter stating that the account was sold to another company and verified as accurate but failed to provide a verification of my signature to validate that this account belongs to me. After the expiration of 30 days since the date of receipt of my letter, on or after XXXX, I pulled my credit report and discovered that credit furnisher violated section 623 of FCRA by failing to report to credit bureaus as being disputed. 

On XXXX, I mailed a second letter to Comenity Capital/XXXX  requesting to remove my account from the credit report agencies due to their violation of section 623 of FCRA, making a good will attempt to resolve this issue amicably. The creditor received my second letter on XXXX and prior to expiration of 30 days, replied that the account was sold and verified as belonging to myself without providing any proof of my signature that makes this account my liability. To this date, the account is still appearing on my credit report and unfairly causing me financial injury and damages my reputation. 

I keep the paper trail of all written correspondence on file and can provide it per your request.