davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX  XXXX ( OPENED XX/XX/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 ) HAS VIOIATED 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 acoount 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.

THIS EFFECTING MY LIFE I BEEN KEEPING TRACK OF ALL MY CERTIFIED MAIL FOR TWO YEARS DOING EVERYTHING WITH NO ANSWERS FROM CREDIT BREAUES PLEASE HELP OR LOOK INTO THIS ALL MY RIGHTS ARE BEING VIOLATED FOR ALL THE MISREPORTING INFORMATION THANK YOU PLEASE.
Consumer complaint received 2022-03-18
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX  XXXX ( OPENED XX/XX/XXXX ) # XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) # XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) HAS VIOIATED 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 acoount 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. 
THIS EFFECTING MY LIFE I BEEN KEEPING TRACK OF ALL MY CERTIFIED MAIL FOR TWO YEARS DOING EVERYTHING WITH NO ANSWERS FROM CREDIT BREAUES PLEASE HELP OR LOOK INTO THIS ALL MY RIGHTS ARE BEING VIOLATED FOR ALL THE MISREPORTING INFORMATION THANK YOU PLEASE.
Consumer complaint received 2019-08-08
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. (NV)

Please reverse the late payments reported on the following accounts : XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

XX/XX/2022 a wired transfer of {$17000.00} from a Citibank savings account was unlawfully transferred to a XXXX XXXX. The bank was immediately notified in person and over the phone. A police report was then made with a complaint number of XXXX.Investigation remains in progress at this time and money remains unreturned.
Consumer complaint received 2022-03-18
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. (MS)

On XX/XX/2022 I sent a letter 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 I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 delete these accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MS)

I have a citibank checking account that has been blocked for nearly three weeks. I am currently paying fees to keep the account open, late fees for my credit card because without access to the account I can't pay my bills. I have contacted the bank four times, and was told that my account is under investigation and then they hung up on me. I have done nothing illegal, owe no money, and have at no point received any information as to why I am being targeted by Citibank. 

For months before, I had been locked out of the account because of their incompetent internet banking that would change my password. But at this point they won't even give me information and just hang up when I call. 

This is causing me severe hardships as I am abroad and need access to these funds in order to eat, pay rent, pay bills, etc. 

It is XX/XX/XXXX, and I have not had access to the account since XXXX. 

In addition, I have been paying a monthly fee of XXXX USD for a service of citibank priority that I am unable to use, given they have never sent me a card to activate and use.
Consumer complaint received 2022-03-18
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. (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2022 at XXXX my Venmo account was completely drained of my balance of XXXX. 

A scammer hacked into my email, pretending to be me and was able to access my funds just by using my first and last name, along with the last 4 digits of my credit card number by looking at past orders of items already purchased in my emails. They were also able to XXXX my routing number from my bank which is public information. 

I have opened numerous tickets, called dozens of times with Venmo and they tell me repeatedly that an account specialist will be looking into my case from 7-10 business days- which is insane to me. I have not heard from their account specialist nor do they have a direct phone number or email address that I can talk to them. 

This has been beyond devastating XXXX and has taken a toll on me XXXX To lose this money is XXXX but also I was the victim of identity theft. I work extremely hard for my money and Venmo made me feel secure that I could keep a balance with them. 

The fact that Venmo accepted someone saying they got a new XXXX and need access to my account and thats all it took for them to give access is absolutely disgusting, nauseating and repulsive to me. I am XXXX 

I even went as far as calling the fraud investigator at XXXX Bank- the bank the money was transferred to so he could physically cancel the transaction on his end, and Venmo couldnt give the full bank account number to him because they had protection. Where is my protection?! Where is my protection of my account and my money?! They protect a fraud, a scammer rather than the actual owner of the account! 

How can someone take actual money from you without having a government issued ID! It is unacceptable!!!!
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year>, Fair Collections and XXXX XXXX placed a collection on my account for {$9700.00} - I have never done business with the original creditor : XXXX XXXX XXXX XXXX FL and they have linked this debt to my name that does not belong to me, this is not my debt. I continue to be harassed by different debt collectors on a monthly basis for a debt that is not mine which is extremely illegal according to the following laws 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse. My information continues to be sold & shared illegally which is a violation of my right.
Consumer complaint received 2022-03-18
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: BARCLAYS BANK DELAWARE (GA)

XXXX XXXX still reporting a past due balance on my credit report and the account has been paid and settled. It is against violations to continue to report a past due balance on a charge-off debt that has been paid. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information
Consumer complaint received 2019-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (OH)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b )  Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

National Enterprise System is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 )  The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore you have failed to provide any transfer title of ownership on the charged off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre The law is very clear as to the Civil liability and the remedy  available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. 
I demand the following accounts deleted immediately. 

ACCOUNTS : XXXX, XXXX
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (GA)

I have a direct deposit come in every month in the amout of XXXX from the department of veterans affairs for XXXX compinsation and it was sent out on XXXX XXXX and now cashapp is saying they dont have it. It has been XXXXhree business days and i need to see if yall can help me find my money.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CA)

AES / XXXX or XXXX was removed/deleted from my XXXX and XXXX credit report because of inaccurate reporting. They were using the name PHEAA before being removed on XX/XX/XXXX. XXXX allow the company to change the name to AESXXXX and continue to report negatively on my credit report. 

I have spoken to the company several times and they have indicated they are not reporting this information. However, it remains on my credit report for XXXX under a name I never done business with. 

XXXX XXXX  XXXX has reported I owe {$690.00} for an account open XX/XX/XXXX. Currently, its reporting negatively as of XX/XX/XXXX. I have ask for documents from this company with my signature or information they not sent me anything proven this is my debt. 
They are a collection agency reporting on my XXXX credit report. Upon disputing it with them and XXXX they are unable to prove its my debt. 

XXXX XXXX XXXX XXXX is reporting a hard inquiry dating back to XX/XX/XXXX. I never had any dealing with this company.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo 's Home Preservation ( WFHP ) program is a predatory practice. I have never had a single late payment on ANY of my accounts in my entire credit history of 25 years. I have been a Wells Fargo customer for ~15 years, and have my mortgage with them. I entered into the WFHP forbearance program out of hardship due to unemployment. I trusted that Wells Fargo would act responsibly while I was in their forbearance program, as long as I fulfilled my obligation for payments during the period. Although I fulfilled my obligation and communicated monthly with the bank about my employment search, Wells Fargo placed me in a compromised financial position and wrecked my credit. 

In XXXX of XXXX, I entered into a 6-month forbearance program with Wells Fargo for my primary and only residence due to loss of employment. My monthly payments were reduced from ~ {$8200.00} to {$390.00} per month. In XXXX, I made an entire mortgage payment, and Wells Fargo confirmed for me that payment would cover the entire 6 month forbearance program. 

Every month since, XX/XX/XXXX- XX/XX/XXXX, I was contacted by Wells Fargo to ask me if I wanted to make an additional payment. In every conversation, I asked if I needed to make a payment, or if my account was in good standing and covered from the large payment I initially made. In every conversation, they informed me I did not need to make an additional payment, and that I was in good standing with Wells Fargo and my forbearance payments were covered through XX/XX/XXXX. 

On XX/XX/XXXX, Wells Fargo called me and said for they were removing me from the forbearance program due to lack of payment, and asked if I could pay the outstanding balance. I explained to the agent that Wells Fargo had informed me every month that my large initial payment had covered all of the payments for the forbearance program. The agent informed me that there was nothing she could do, that I had been removed, and I would need to pay the balance owed from the forbearance program ( $ XXXX ), and re-apply to a new forbearance program. Wells Fargo reported to credit agencies that I had not made a payment in over 150 days, and my credit score plummeted from XXXX to XXXX in 24 hours. 

The WFHM forbearance program is marketed to consumers as support during a hardship, but is designed and deployed to destroy the credit and financial stability of anyone who enrolls.
Consumer complaint received 2022-10-24
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)

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
7. This account is reporting unverified inaccurate information and must be removed i have paid this account in full and it must be removed XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
8. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
9. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Consumer complaint received 2022-03-18
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. (CA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no response, this is now affecting my business and me trying to scale my business with XXXX Also its preventing me from buying my home. The accounts XXXX XXXX, XXXX and XXXX XXXX XXXX is fraudulent including the address are incorrect
Consumer complaint received 2022-03-18
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. (CA)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no response, this is now affecting my business and me trying to scale my business with XXXX. Also its preventing me from buying my home. The accounts XXXX XXXX, XXXX and dept of education is fraudulent including the address are incorrect
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (FL)

Money Network has not provide provisional credit to me in response to fraud and unauthorized transaction on my account. Money Network sent me letters asking me to fill out an excessive amount of paperwork to obtain refunds for the fraudulent and unauthorized transactions on my account. 

Most banks will provide the monies back to the customers account and then investigate the fraud and unauthorized transactions. Money Network appears to do the opposite and 1st send the customer paperwork to fill forms, then they investigate. The customer is then left to try to solve problems they did not create and do the work. The customer invests in the company, the company must to the work. 

Money Network needs to provide provisional credit to my account and investigate how the fraud occurred, not send the customer multiple sheets of paper to fill out when the information is provided to them at the time of the fraud.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (AZ)

My XXXX  transferred funds from my debit card without my consent. I contacted the merchant and they refused to refund me anything. I filed a dispute with my bank and they also denied it without giving me a reason to why my claim was denied.
Consumer complaint received 2022-03-18
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. (NJ)

I sent a letter to transunion via certified mail on XX/XX/2022 stating all of the fraud and incorrect entries they have reported on my credit report. I also attached an invoice for remedy of those violations as well. According to the FCRA the violations call for {$1000.00} fine PER occurrence. I sent the letter in XXXX and have called as well. It has been over 30 days and there has not been a resolution made. My invoice has not been fulfilled from the violations made nor has the investigation been closed and fixed on all of the wrong doings. Transunion keeps sending me multiple letters saying they are still looking into it even though it should have been resolved in 30 days
Consumer complaint received 2024-03-12
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. (GA)

I ask the credit bureau to do a verification on my credit report and they did.They stated that it was accurate and I did a thorough research myself and found improper inaccuracies on my report after the verification. 



In accordance to the Fair Credit Reporting XXXX Account has violated my rights. 

15 USC 1681 Section 602 A states that I have the right to privacy 15 USC 1681 604 Section 2 it also states a consumer agency can not furnish an account without my written instructions.