davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Ive already disputed it with them from portfolio recovery from XXXX XXXXXXXX it was fraud back in 2012 someone got a credit card in my name and they knew it was fraudulent Ive been sending them correspondence back-and-forth they just sent me a fraud affidavit Ive been dealing with this since 2012 and they just dont want to take it off my credit report off of my XXXX and XXXX XXXX
Consumer complaint received 2019-02-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (SC)

I am unaware of this account being opened on XX/XX/, 2013. It is showing on all three credit bureaus as a derogatory mark due to past late payments. This is hurting my credit score and need it removed permanently. I am in the process of buying a home and this collection is hurting my chances of receiving a loan.
Consumer complaint received 2022-05-24
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. (TX)

I have requested for 5 years the permissible permission used by Experian and XXXX XXXX XXXX XXXX in XX/XX/2017 to have had accessed my credit report. They have yet to give me or give me a reason why they refuse. XXXX simply labels the request as duplicate. Experian employees don't know what to do and answer with the best form reply they can. I feel sorry for these employees to have such a dead end job.
Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MN)

Hi on XX/XX/21 Citi bank notified me that my checking account will be closed and they would be mailing my money ( {$15000.00} ) to me and it is now middle of XXXX and they are still holding my money hostage i want money back to me asap ( fast ) and i also want interest paid for them holding my money and doing whatever they are doing with it this is ridiculous if any of these people were in my shoes they would be thinking the same thing plz help with thanks. 

I've never had deal with something like this from a bank. 

This happened all because I funded the account from my credit union and they don't like credit union obviously lol.
Consumer complaint received 2019-11-23
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. (OH)

I am a victim of fraud identity theft. They are refusing to even let me access anything they have on file. From what I gather there's credit cards, mortgages and car loans taken out with my social security number for a very long time. I've never had a carloan, credit card, mortgage or what ever else they may have on file. Furthermore they told me my legal name isn't mine. Their telling to send documents I never had that aren't mine. Why would I have them? I actually don't feel safe giving them my information beings they just got caught lying by cfpb and they just had a data breach my social security number was involved in it.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (CA)

I receive a letter a few days ago saying I must update my information with the bank, I must contact my banker XXXX XXXX before XX/XX/2022 or the bank will close my account. 
I reach my banker last week XX/XX/XXXX, he said that will send me the documents to sign trough docu sign, since that date I been calling him everyday and sending emails to ask when He will send it. Until today im waiting to see and get the documents to sign. I dont want to have my account closed.
Consumer complaint received 2022-05-24
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)

I am writing to delete the following 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 change. 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 Federal Trade Commissions Identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (AL)

I have reached out to LVNVFUNDG and XXXX who is reporting this debt on my credit report. This is showing an open account but I have not received anything regarding this debt. I've asked for it to be validated and verified but still haven't received documentation.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (CO)

I sent a letter on XX/XX/2022 to removeXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,
Consumer complaint received 2021-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (NY)

In XX/XX/2021 I applied for a credit card and subsequent balance transfer with Wells Fargo. The card was approved but the available credit was not what I requested. I subsequent contacted Wells Fargo immediately and spoke to a representative in new applications and requested to have the credit cards closed and the balance transfer rescinded. Two different Wells Fargo representatives assured me that this would be done. Wells Fargo sent me an unwanted credit card and completed a balance transfer that I did not request and charged me {$100.00} in fees. I have spent over XXXX hours attempting to give this issue resolved. I spoke to a Representative named XXXX in customer advocacy who hung up the phone on me twice on XX/XX/2021 after i simply asked to speak to speak with a manager or another associate because he was extremely rude and unhelpful. Wells Fargo needs to closed this account and undo an unrequested balance transfer and return my {$100.00} in fees that they charged me for a service that i did not request.
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Nationwide Credit Corporation (VA)

Nationwide Credit Corporation in XXXX was assigned to collect a debt from us on behalf of XXXX. We were told we had until XXXX XXXX to pay the requested amount. Nationwide Credit placed a lien on our bank account on XXXX XXXX ( 2 days before the due date ) using methods unknown/unauthorized by us to access our bank account information. We paid the requested tax amount on XXXX XXXX to Nationwide Credit, yet they still went ahead with the lien and held that same amount of money from our bank account - so we were charged XXXX. Our bank told us that Nationwide Credit needed to send a release letter to remove the lien. We requested this from Nationwide Credit multiple times on XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. Each time they promised they had sent it. Our bank did n't receive it until XXXX XXXX and that was only because additional assistance got involved from the XXXX and our banks Litigation department. Nationwide credit illegally put a hold on our bank account in advance of the due date, and then failed to release the funds in a timely or professional manner. 

In addition, if you call Nationwide Credit they will ask you to hold and then let your call drop, they will recognize your number and not answer your call, they will let your call loop through the system and then drop. They will tell you they have sent a fax, but never will, and they will not call you back if you leave a voicemail.
Consumer complaint received 2022-05-24
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. (FL)

I am writing to delete the following 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 change. 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 Federal Trade Commissions Identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-13
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. (WA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-13
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: CITIBANK, N.A. (NY)

CBNA  done a credit pull on my identity as of XX/XX/2021. I have not applied for any credit as of XX/XX/2021. I am at home and not using the internet for any credit. 
Please take this hard inquiry off my credit report. Someone is trying to get credit of my ss number
Consumer complaint received 2021-12-13
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: ENCORE CAPITAL GROUP INC. (VA)

I the consumer, never received proper validation of debt which should include XXXX required items according to congress although my consumer report does reflect that they showed an active dispute. This further confirms that their practices are deceptive and illegal. 

Pursuant to XXXX Purposes of Consumer reports 15USC 1681b I never gave this third party debt buyer as described as account type. So they are calling themselves a debt buyer which insinuates that I the consumer owe an alleged debt which is also a violation Furthermore, I never gave written communication giving this debt buyer the right to furnish this information on my consumer report which per 15US 1681b states that they must have either written consent or subpoena by federal law to place information on my consumer report which none have been provided. 

Please provide details to substantiate contract or right to be debt buyer on behalf of the original debtor as shown on my consumer report as XXXX BANK. Furthermore, the contract between myself the consumer and Midland Funding to illegally humiliate me by furnishing this incorrect information without my consent. 

Furthermore, my consumer report currently reflects that Midland Funding completed investigation of FCRA dispute. 15 USC 1681a of the FCRA defines an " investigative consumer report " by performing a personal interview with neighbors, friends, or associates of the consumer. 

As you show on my consumer report you performed an investigative report. Please provide proof of whom you spoke with to confirm that information listed in my consumer report is true and accurate. 

While I know that this type of interview was not performed to substantiate your alleged investigation I am forced to move forward with pursing violations as outlined in the items above. 

You will also remove this information from all my consumer reports immediately or I will be forced to persecute your company for not only violating my consumer reports per federal law, but also deformation of character based on your false reporting.
Consumer complaint received 2023-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc. (TX)

Duplicate Cash Card Transactions Started XX/XX/2023 at XXXXXXXX XXXX Our team is aware of an issue causing duplicate Cash Card transactions, which is making some customers see a negative account balance. We are looking into this matter and will post resolution updates here. 

This is the message I received today and I cant reach them on the phone or online. This error cost my account to go - {$25.00} and money is tight enough as it is. It may not seem like a lot of money, but it is to me and has caused a big inconvenience today regarding gas and groceries. I understand things happen sometimes but theres no communication from Cash App. Theres no updates and this is typical of their service. this is my money and it needs to be put back in my account or at least I need to be updated or compensated for inconvenience.
Consumer complaint received 2021-12-13
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. (VA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
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. (VA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Closed : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4500.00} Collection : XXXX XXXX XXXX : {$220.00}
Consumer complaint received 2021-12-13
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. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
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. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-13
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: First Investors Servicing Corporation, Atlanta, GA Branch (AL)

Dates XXXX XX/XX/2020... Several inquiries were reported and placed on credit report without knowledge to the consumer that credit checks were being acquired. None of these inquiries resulted in established open accounts. Requests to have these inquires removed have been ignored by the companies and credit bureaus
Consumer complaint received 2022-05-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BMW Financial Services NA, LLC (NY)

THIS IS MY SECOND TIME, MAKING THIS COMPLAINT THAT THIS DEBT COLLECTOR IS ADVERTISING TO COERCE PAYMENT OF DEBT WHICH IS ILLEGAL. THE AMOUNT OF ALLEGED DEBT IS IN A POSITIVE STATE. THIS WAS A CONSUMER CREDIT TRANSACTION AND NO FINANCE CHARGES WAS INVOLVED. THEIR LETTER DOES NOT DISCLOSE THAT THEY ARE A DEBT COLLECTOR. THE COMPANY STATED THAT THEY ARE NOT THE COMPANY TO ADDRESS THIS ISSUE, WHICH IS NOT WHAT THE LETTER STATES
Consumer complaint received 2021-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (FL)

In accordance with the Fair Credit Reporting act XXXX  Account SYNCB/AMAZON PLCC 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose