davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-25
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)

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 instructions.

15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The account is a direct breach of the FCRA PLEASE DELETE so we can avoid civil liability.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I recieved an email on XX/XX/2021 from Wells Fargo Bank regarding suspected fraudulent activity on my account. There was a pending XXXX transaction of XXXX dollars to a XXXX  XXXX  in the XXXX. I immediately contacted Wells Fargo to confirm this was fraudulent. I requested that they stop the transaction as it was pending. I was told that the transaction can not be stopped, that after the transaction cleared i would need to file a claim. Wells Fargo is in control of the transaction and knowingly paid the fradulent transaction, which makes no sense at all. They are the bank and should be fully capable of preventing fraud., or at least should be. I began reviewing recent charges and realized that there were numerous XXXX charges all that i did not authorize and were made fradulently.On XXXX XXXX i noticed there was a pending charge of XXXX on my account which I did not authorize this time i did not take no for an answer, I called at least four times before somehow the transaction seemed to disappear as if it had never even happened. My claim of XXXX was covered under the Wells Fargo Zero Liability Protection as specified on their website.

" Wells Fargo Debit and Credit Cards come with Zero Liability protection1 at no extra cost. You wont be held responsible for unauthorized transactions, so long as you report them promptly ''.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I am writing to express my deep concern and frustration regarding the unresolved issue of inaccurate negative entries that persist on my credit reports across all three major bureaus. Despite my repeated attempts to rectify this matter, the lack of action on your end is unacceptable.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, at exactly XXXX pm, I used a Bank of America ATM at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX. The ATM ID number is XXXX. I attempted to deposit {$2800.00} cash into the ATM. It processed and said, " Is this amount correct? '' I clicked confirm, then it said " processing transaction ''. The circle spun for about XXXX minutes trying to process until the ATM said " Transaction canceled '', spit out my card, kept my money, then returned to the home screen as if nothing happened. I never got a receipt, and the money was never deposited into my account. I filed a claim with Bank of America and as of today, XX/XX/XXXX, they still have not issued me my money. They keep giving me the run around etc. That money is the rent money that I need for XX/XX/XXXX rent, along with other bills. I have a pregnant wife and baby on the way. We are a single-income family and I currently can not pay my bills. I do not have time to wait for Bank of America anymore and need assistance with this issue.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CNG FINANCIAL CORPORATION (WI)

I've been battling with check n go and XXXX XXXX XXXX, regarding inaccuracies pertaining to my credit report. They claim they can not remove or correct my report since they sold the account before bankruptcy discharge. However, when speaking to the entity ( XXXX XXXX ) that the account was sold to I was told since they are not the company reporting the account that it is Check N Go 's responsibility to fix the errors or delete the account. 
Furthermore after Check N Go made reply to previous complaint they sent me an email stating they would provide me with copy of original contract which contradicts their response to the previous complaint stating they can't fix the credit report because they don't have any information. 
Check N Go is blatantly violating my consumer rights, making fraudulent statements that contradict each other and violating the FCRA by refusing to delete the account within 45 days of originally disputing their reporting errors.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS RELEASED TO THE PUBLIC VIA THE EQUIFAX, XXXX, AND XXXX DATA BREACHES AND SOMEONE WAS SUCCESSFUL IN OPENING UP ACCOUNTS WITHOUT MY CONSENT AND AUTHORIZATION. I NEED THESE ACCOUNTS REMOVED AND DELETED FROM MY CREDIT FILE IMMEDIATELY BECAUSE THIS IS SEVERELY HURTING MY REPUTATION WITH THE BANKING SYSTEM. IM STRESSED AND XXXX  AND I WAS TOLD TO SUBMIT A POLICE REPORT AND A FTC REPORT IN WHICH WILL BE ATTACHED TO THE THIS COMPLAINT. I SENT IT IN TO THE BUREAUS MORE THAN 30 DAYS AGO BUT THEY JUST IGNORED ME. IT IS INDEED MYSELF MAKING THESE COMPLAINTS AND NOT A THIRD PARTY AND THIS WAS NOT DONE IN ERROR. IT IS THE LAW TO HAVE SAID UNAUTHORIZED ACCOUNTS AND INQUIRIES REMOVED FROM MY REPORTS 4 DAYS AFTER RECEIPT AND THE CONSUMER REPORTING AGENCIES ARE BREAKING THE LAW
Consumer complaint received 2021-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I a consumer or natural person pursuant Title 15 USC 1692a ( 3 ) contacted Columbia Debt Recovery LLC DBA Genesis Credit Management on the morning of XX/XX/2021 at XXXX XXXX  CST. 

My reason for calling was to seek compensation as an injured party to damages caused by Columbia Debt Recovery LLC. 

Columbia Debt Recovery LLC has admitted to requesting removal of trade-lines from the credit agencies to which they furnished information to without my consent, there is an attachment in this complaint with that admission.

Columbia Debt Recovery LLC has failed to rubute an affidavit which is in the attachments recieved at XXXX on XX/XX/XXXX. 

Pursuant to Title 15 USC 1692k Columbia Debt Recovery LLC is civilly liable to compensate me any amount for damages and violations against the FDCPA.

Columbia Debt Recovery LLC has also violated the FCRA 15 U.S. Code 1681n
- Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Consumer complaint received 2021-08-06
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (MI)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

Account permanently limited without explanation. Funds, including BitCoin being held for 180 days. 

On XX/XX/2021 I received an email notification that my PayPal account has been permanently limited without explanation. I have been a customer for well over 12 years without any issues or disputes. Included in my funds is {$310.00} and an amount held in BitCoin, which at the time of this writing is {$85.00}. A service which PayPal offers. I am unable to sell my holdings in BitCoin as my account is now limited. 
I'm disappointed in my loss of account as I use PayPal frequently. I understand I should receive my funds after 180 days, however, I am greatly concerned in losing the ability to sell my holdings. If the price of BitCoin drops, I will have no way to sell which could lead to a loss of money. 
Account ID : XXXX XXXX
Consumer complaint received 2017-10-16
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I called USAA to initiate a deposit to my secured credit card account. After spending 15 minutes on hold, I was greeted by a representative who did n't seem to understand my request and said she did n't see any active credit cards. She then stated she could locate the account, but did n't think that I could make such a request. However, she said she would get me to the appropriate department to assist. I was then dropped back into the queue and made to verify my information for a second time. This representative was pleasant, but said she could n't assist with my request due to " system '' reasons. She advised she would get me over to the Executive Office. I was greeted by a representative who asked how he could help me. I restated my request for the 3rd time, and then was hung up on!!! This was a very terrible customer service experience. I 'm trying to rebuild my credit after filing bankruptcy, and a simple request to initiate a deposit to my CD account to increase my credit limit seemed to cause a lot of confusion.
Consumer complaint received 2021-08-11
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. (AZ)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2021-08-12
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)

To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as these violations are not to be reported on my reports.
Consumer complaint received 2021-08-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (MO)

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
Consumer complaint received 2021-08-11
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)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-08-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation (CA)

We thought we filed bankruptcy on the 2nd loan which at the time was {$75000.00}. The mortgage company Franklin Credit Management never contacted us again. This past XX/XX/2021 they sent a certified letter stating we owed {$180000.00}. We tried to reason with them but they a very predatory company. We were just told today XX/XX/2021 that we could get a loan modification at 8 % with a down payment of {$22000.00}. We do not have {$22000.00}. My husband was in the hospital with XXXX. We had a loss of income and have had a horrible time in the last 18monts. The loan is 12 yrs old this timing could not be worse. I offered Franklin Credit Management {$10000.00} ( which we will get from family helping us ) and asked them re-calculate the payment. I ' am awaiting an answer. 

Please can you help us in any way stay in our home? Please. 

XXXX XXXX
Consumer complaint received 2021-08-06
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. (PA)

Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX-XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX-Balance {$0.00} XXXX  XXXX-XXXX-Balance {$310.00} XXXX  XXXX-XXXX-Balance {$5000.00} XXXX-XXXX-Balance {$0.00}
Consumer complaint received 2021-08-06
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: Experian Information Solutions Inc. (FL)

Upon checking my credit report, I noticed a number of fraudulent inquiries. I didnt request credit from the following companies. 

1. XXXX XXXX  XXXX 2. XXXX XXXX. XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX  XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX  XXXX XXXX 11.XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX  XXXX 16. XXXX XXXX XXXX XXXX Please see FTC report attached. All of the following inquiries are fraudulent!!
Consumer complaint received 2023-07-14
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2021-08-06
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC (KS)

I borrowed several loans from this company and paid them ALL off. I went in another time to borrow some money and I remember not borrowing the full amount of my approval because I wanted to be able to pay it back. I borrowed about a XXXX dollars. Well, something happened and I had to go inpatient for 90 days. When I came back home my car was gone, everything I had was gone, someone I trusted robbed my whole life. So ofcourse I filed a police report, etc. 
Well, I got a call from the loan company and I explained to her how I had just got back and where I had been and that my car was gone. They said they needed a police report. But when I called back and gave her the police report information she then said that wasnt enough! Now in order to stop the interest, they said, they needed the car. I said I dont have the car cause if I did i would turn it in! I didn't have it! Period. How am I supposed to pay this off if the interest is so high already and now I can not stop it and im just coming back with nothing. Oh well she said. 
Well, I tried to get ahold of someone else in corporate office but they are not reachable. They have no way to talk to someone in the upper levels. I tried. I found some corporate office in Georgia but there is no number to call. I called the local office and asked for this information and they said they couldn't give it to me. 
With no luck there, I gave up. So now they send me letters every month. I borrowed a XXXX dollars and I owe XXXX dollars?! This is purely insane, purely interest too. I do not know what else to do so hoping that CFPB can help me to rectify this.
Consumer complaint received 2021-07-27
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. (GA)

I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$230.00} XXXX  Date Opened : XX/XX/XXXX Amount : {$700.00} XXXX  XXXX  Date Opened : XX/XX/XXXX Amount : {$510.00}
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Old XXXX account from 7 years ago that was paid and remove from my credit have been added to my credit report again. This account was removed and close but now its reappear.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I disputed few fraudulent accounts with the credit bureaus and provided documents and they havent blocked/removed any items off my credit reports and denied all my disputes and I called credit bureaus and they wouldnt assist me of removing these fraudulent accounts Such as XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  And the inquiries to I would need some assistance of removing these fraudulent accounts
Consumer complaint received 2021-08-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (VA)

In XX/XX/2020 I visited XXXX XXXX and was subsequently billed for my visit. After subtraction of insurance paid portion, I was then put on a payment plan with the hospital, which I am currently paying for as of this date as well. In XX/XX/2020, the hospital was hacked in a breach and patient information was taken. A couple weeks after being notified of the breach by the hospital, I received a fraudulent bill in the mail. It contained similar services but inaccurate charge amounts for each service. I alerted XXXX and they confirmed that the only money I owed to them was from the online payment account i have with them and was told to ignore the fake bill sent to me by a third party. In XX/XX/2020, my credit report showed that these chargers were sent to collections. The inclusion of this item on my report is against the law. I have sent many letters requesting verification of the charges. My request go ignored and they continue to report this fraudulent debt to the credit bureaus!! After submitting a dispute with XXXX  they determined that it was fraud and took it off my report but the collection agency continues to report this fraudulent debt to the XXXX  and XXXX. These two agencies refuse to look into the matter and tell me to contact the collection agency.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

On XX/XX/2021, I sent my first letter to the credit bureaus in regards to an account that is inaccurately reporting on my credit report ( XXXX XXXX ). XXXX XXXX is reporting my date of last active and date of last payment inaccurate. I have sent a letter asking them to verify, validate, and investigate this account. I have yet to receive a response after several attempts. I have been patients but they have had more than enough time to properly investigate my requests. This is a violation.
Consumer complaint received 2021-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

A letter has been sent over 45 days ago and i still having received any results or updates regarding these accounts on my report please remove immediately as my rights is now being violated 1.The folowing account is not mine XXXXXXXX XXXX Account NumberXXXX Please remove it from my credit report. 

2.The folowing account is not mine XXXX Account Number:XXXX Please remove it from my credit report.
Consumer complaint received 2021-08-11
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. (CT)

A letter has been sent over 45 days ago and i still having received any results or updates regarding these accounts on my report please remove immediately as my rights is now being violated 1.The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 2.The status is incorrect for the following account XXXX XXXX Account Number:XXXX*** Please ensure that all information is accurate 3.The following account is not mine XXXX XXXX XXXX XXXX Account NumberXXXX Please remove it from my credit report. 

4.The folowing account is not mine XXXX Account NumberXXXX Please remove it from my credit report.