davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX  XX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX UNAUTHORIZED INQUIRY XXXX XXXX, XXXX  XXXX XX/XX/XXXX -- - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED I INQUIRY XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED I INQUIRY XXXX XXXX XX/XX/XXXX -- - UNAUTHORIZED I INQUIRY XXXX XXXXXX/XX/XXXX -- - UNAUTHORIZED I INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2024-04-10
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 (OH)

I received a new mobile phone and had to create a new XXXX email. I no longer have access to my XXXX email that I used to initially set up Venmo. I have tried several times to chat with an agent to help log me in, however Venmo auto self help support which is all they offer only repeats itself and I can not log in. The Venmo support help is nonexistent. Please help me log in. 
However, my phone number remains the same.
Consumer complaint received 2021-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Chime has a secured credit card and debit card. My secured credit card was in overspent status. Chime sent me an email stating that it would need to paid by XX/XX/XXXX. I got my stimulus check deposited into my checking account with chime. They turn on move my pay feature on their own AFTER I had turned it off two weeks ago. They move my entire check to pay my secured credit card that wasnt due until XX/XX/XXXX. My car just got repo two hours ago because I was supposed to make a payment today. How I know they moved my money without my permission because yesterday I got deposit of $ XX/XX/XXXXand they didnt not move that over to secured credit so if my move my pay feature was on than it wouldve moved that money too in which it didnt because it was turn off. This total fraud!!!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
CHILD SUPPORT ENFORCEM - XXXX
Consumer complaint received 2023-03-07
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. (TX)

XXXX XXXX  is reporting an inaccurate repossession on my credit reports. I have contacted them requesting all documents concerning this debt and they have failed to respond. 

Furthermore, they are reporting and verifying multiple inconsistencies to each credit bureau. There are three different balances associated with this account, different number for the term of month, last payment dates, last active dates and open dates. If the credit bureaus all get their information from the same place, how are they all reporting very different information? 

It is the responsibility of any consumer reporting agency to report accurate information on a consumers report and it is illegal to verify and report inaccurate information. It is clear that this debt can not be verified as they have not responded to my dispute requesting all documents so I kn ow they have not done so with the credit bureaus. 

I am requesting that this account is deleted as they are in violation of the FCRA and my rights as a consumer!
Consumer complaint received 2021-01-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

1. An escrow account analysis was done on XX/XX/XXXX and XX/XX/XXXX, when it should have been performed annually. The monthly payment increased is incorrect as of today. Exhibits A and B. 
2. Homeowners Insurance Company, XXXX, was cancelled and there was a surplus of {$720.00} mailed to me by check on XX/XX/XXXX. The amount was paid to Select Portfolio Servicing, Inc. on XX/XX/XXXX over the telephone and the {$720.00} was not applied to escrow. As of XX/XX/XXXX, have been trying to get it corrected to have the full amount applied to escrow with a corrected escrow amount, but to no avail. Exhibit C. 
3. The escrow amount is incorrect as of today and on all the monthly statements. Exhibit D 4. The monthly statements are all incorrect for balance owed. All monthly payments have been paid as of XX/XX/XXXX to XX/XX/XXXX. Exhibit D 5. The monthly statements that show a past due amount are incorrect. Statements online has incorrect information and Select has not corrected per previous requests. Exhibit D
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (GA)

XXXX XXXX opened an account around XXXX, XXXX. They are reporting a balance of {$3700.00} on my credit. They have a company called XXXX XXXX collecting. 

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the credit bureaus didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (TN)

On XX/XX/23 I purchased a US Bank {$500.00} gift card from XXXX. The magnetic stripe was unreadable at both merchants I tried. I immediately called US Bank & asked for a replacement card. I received the replacement card today XX/XX/23 but the balance is XXXX dollars. I called US Bank again today & discovered there was a fraudulent charge of {$500.00} at a XXXX in XXXX, Mississippi on XX/XX/23. I live in XXXX, Tennessee & have never been to XXXX, Mississippi. 

US Bank says it will look into the matter & respond within 90 days. This is an inadequate & much too slow response.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2023-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (NC)

Sent Company A Letter Asking Them To Validate Debt And Company Has Not Responded In A Timely Manner. I Am Not Familiar With Caine & Wiener And Have Never Signed A Contract, Nor Have I Ever Entered Into Any Agreement With Them. Caine & Weiner Never Sent Me A Notice About Attempting To Collect On Alleged Debt, They Simply Put A Negative Remark To The Credit Bureaus And I Am Asking That The Collection Account Be Removed. Caine & Weiner Is Alleging A Balance Owed To Their Company In The Amount Of {$400.00} And The Alleged Account # With Caine & Weiner Is XXXX. I've Attached A Copy Of The Debt Verification Letter That I Sent Out To Them.
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act Account # XXXX with XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account # XXXX with XXXX. XXXX, XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act Account 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-07-17
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. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Consumer complaint received 2021-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I deposited a check for {$2200.00} into my account at Wells Fargo, in person, inside the branch in XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, on Wednesday afternoon, XX/XX/XXXX, the money left my husbands account on Thursday XX/XX/XXXX, but still has not been deposited into my account and however, WF claims that there were not sufficient funds in my husbands account ( even though the money was already taken out of his account ), and WF refuses to deposit it into my account. This is called stealing. WHERE IS THE MOENY? WHERE ARE THE {$2200.00}? 
Wells Fargo Claims the funds will be made availabel around XX/XX/XXXX - hence : they are admitting that they DO have the moenY! 
Otherwise how can they confirm that they will release the funds on the XXXX when they claim they have not received the money? This is controversial. 
They are lying and giving us false information and withholding our money that we need TO PAY RENT TODAY. 
What are they doing with our money for 12 days? 

RELEASE OUR MONEY IMMEDIATELY! 
You want to be responsible for us being homeless? You steal our money and don't let us pay our bills with our hard earned money? What kind of bank are you not letting us use our own money? 
RELEASE IMMEDIATELY - NO LATER THAN XX/XX/XXXX by XXXX.
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Tate and Kirlin Assoc (CA)

Demand payment letter return mail blind envelope addressed to XXXX XXXX XXXX... ... ... ... ..this is not myname not me Tate & Kirlin Associates collection XXXX XXXX, PA collection for XXXX XXXX - XXXX XXXX account XXXX show me a statement from XXXX ... ... ... ..with acct XXXX in my name letter showing they will accept 40 % of balance ... ... ... ... ... ... .. XXXX who does that? 
This seems like a phony collection. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (TX)

Complaint is against WellsFargo. WellsFargo Sent me this mediation request on XX/XX/year>. 

Tracking # XXXX - XXXX and XXXX WellsFargo Case Nmber : XXXX Wells Fargo Mediation # XXXX XXXX XXXX XXXX is working on this case. 

They closed these cases as i went on vacation and did not respond and I told them i will be on vacation and not available. 

I asked XXXX to reopen these cases 5 weeks back since then its been night mare to reach them and they never reopened cases. 

I want justice to be done as my money was stolen and fake accounts were opened on my name. Wellsfargo agreed when they did their own investigation and coming up with this remediation still they are playing games. 

Thank you. 

Regards, XXXX.
Consumer complaint received 2024-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

1 ) I enrolled in the XXXX XXXX XXXX XXXX ( XXXX ) program in 2013 for over {$170000.00} worth of federal student loans. My then-servicer, XXXX, accepted timely payments in excess of my monthly bill from me from XX/XX/XXXX through XX/XX/XXXX, under the impression that they were making progress toward XXXX. I was never informed that these payments were not being considered qualifying- they were in full, timely, and my work certification forms were submitted and accepted by XXXX. A year later, I looked back and saw they were deemed " ineligible, '' because I was on long-term deferment. XXXX ( of course ) never informed me that payments were not " due, '' or that they were not considering them qualifying for XXXX. 

I complained several times to XXXX, to no avail. 

2 ) Later, after XXXX deigned to begin accepting my payments as qualifying for XXXX, after multiple years of steady employment, on-time payments in full, and accepted employer certification forms - a clear pattern of work toward XXXX XXXX XXXX  arbitrarily put my loan status on " forbearance '' for three random months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My financial status had not changed at all, my XXXX and employment had not changed at all. I was never aware that they were making the change, or given a reason. I don't recall being notified. The forbearances just showed up late- but OF COURSE they accepted the payments I made assuming that nothing had changed. I complained several times to XXXX, and they did nothing. 

3 ) Then, XXXX 's contract was not renewed/they gave it up ( I'm unsure ), and a new monster took over as my loan servicer around the start of XXXX. I imagine CFPB has heard about MOHELA hundreds of times. MOHELA simply accepted the record provided them by XXXX with the XXXX incorrect payment categorizations ( XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). The XXXX XXXX had implemented XXXX, and MOHELA said in XXXX that they would conduct a review to fix exactly the sort of problems that I was encountering. According to a phone call with them on XX/XX/XXXX of this year- that process STILL HAS NOT OCCURRED. 

XXXX ) Most recently, as I am a mere XXXX payments away from XXXX, MOHELA just arbitrarily placed my loans on " Administrative Forbearance. '' I didn't EVEN GET A NOTICE!!! I happened to check my status count because I am so desperate to get these XXXX student loans off my back it is fraying my sanity. They never gave me a reason. I asked for one in online messages to them 3 times in XX/XX/XXXX. I asked in a phone call on XX/XX/XXXX. None has EVER BEEN GIVEN. On that phone call, I demanded that they remove the forbearance so I could get my XXXX loan payment credited. The staff said she would do it in 3-5 days. 2 weeks later - you already know the answer - no change. 

XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I been going back and forth with a company XXXX XXXX XXXX XXXX TransUnion and XXXX keep letting this company update my report as accurate when its not accurate at all I asked this company to provide the original charging instrument and the XXXXXXXX XXXX  showing the issuer of the funds and the holder of the funds and the company will not provide this information but keep updating my account as accurate and the XXXX credit bureaus havent done they part to make sure what Im requesting be provided
Consumer complaint received 2024-03-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (TX)

I have been getting calls from Credence Resource Management regarding a medical debt I owe via XXXX XXXX XXXX. Firstly, they have been calling me over 3-4 times in a day which is equivalent to XXXX7 U.S. Code 223 prohibits certain types of harassing phone calls, including : Making a call without disclosing your identity, Making repeated calls and Causing a phone to ring repeatedly. Secondly, whenever I try to ask them about the payment such as an itemized bill which is a right, I get denied stating that the payment is due and we can not provide any sort of information like that. Moreover, they are pushing, agressive and to a certain point verbally abusive as a corporation. All my payments regarding the XXXX I had are completed and nothing is due, however this company keeps calling me and verbally harassing me.
Consumer complaint received 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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. 

XXXXXXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT - # XXXX has violated my rights. 
XXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
DEPT OF ED/XXXX  - ( CLOSED ) ACCOUNT # XXXX has violated my rights. 
XXXX XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 
XXXX XXXX XXXX XXXX INQUIRY DATE - XX/XX/XXXX has violated my rights. 


15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 168c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors 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 2023-07-17
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$93.00}.
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.