davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-05
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. (TN)

I am writing due to non-compliance with Equifax, XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. I am also attaching all communications.
Consumer complaint received 2024-03-29
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CA)

U.S. Bank branch at XXXX XXXX La XXXX XXXX, XXXX XXXX, CA XXXX, twice refused my request for a withdrawal via cash advance from a prepaid " XXXX '' salary card issued by XXXX XXXX XXXX. On my first visit ( XX/XX/year> ), the U.S. Bank teller stated that since the card was not embossed with my name, he could not honor my cash advance request. Back home, I complained to the issuer via phone, and was emailed a form document to present to U.S. Bank stating that it was legally obligated to execute a cash advance, per XXXX rule # XXXX. I returned to the same branch and same teller the next day, armed with the info on my phone. Again the teller refused to comply, smugly, not even looking at the letter, saying that it was against US Bank procedures, and he worked for the bank, not XXXX. He took my info and said a manager would call me.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NY)

As of XX/XX/2023 I've notice an in fraudulent account on my consumers report .I have already made a complaint and responded to company GOLDMAM SACHS which they responded saying there was no error after they look into the account As of XX/XX/2023 Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on My credit report as well
Consumer complaint received 2019-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Westview Financial Services VA, LLC (VA)

UDAAP issue - XXXX at Westview Financial in XXXX, VA communicated that if I make a payment on XX/XX/2019 that was due on XX/XX/2019 that it would report to the credit bureau late and have a negative impact on my credit. XXXX expressed that because the payment is due in XXXX and I am making a payment in XXXX, this would hurt my credit. I expressed that the earliest I could make a payment would be XX/XX/2019 due to personal issues and the payment would not be 30 days late. She continued to state that if I did not make a payment then I would have a negative mark on my credit. She then continued on to say if I deferred a payment then that would help my credit. I did not believe that to be true. I believe that deferring payments will make my loan term longer and would add additional interest. She became highly annoyed when I referenced the FDCPA and continued to tell me that I would need to defer a payment in order to avoid a negative impact on my credit. I believe this to be misleading.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NJ)

We started on XX/XX/2023 to release some IRAs we had for my sons education, someone at the bank put a hold on them and Wells Fargo can not figure out why, my son was supposed to graduate welding school today, he will not get his diploma until we pay the school XXXX. We can not pay them because the bank can not figure out why they have a hold. We had to cancel a graduation party intended for today, we have someone high up supposedly working with us but I leave messages and no one returns my calls.My stress level is out of control the school thinks we are lying because it is such an outlandish situation. As a mother one of the best days of my life, graduation of a child. Is totally ruined he will not get a job recommendation and he is a great welder Wells Fargo has totally ruined what is supposed to be a defining moment in a parents life. Is there anything you can do to help us get our own money.thank you XXXX XXXX
Consumer complaint received 2022-07-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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 written instructions. 
Transunion Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate and missing data. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Transunion is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MI)

A XXXX credit was opened in my name with synchrony bank. I have since closed all XXXX accounts.. I have notified synchrony bank that it was fraud, filed disputes with the credit bureaus and filed an FTC report for identity theft. Someone keeps coming back saying it is not a fraudulent account. I did not open this account nor use this account and I will not be paying any more on this account. I made the first minimum payment on the account when I saw it was opened in order to avoid more negative impact on my credit reports. I will not be making any more payments on this card as it is not mine. I also was able to recoup some of the charges from the merchants in a good faith effort. I want this account closed, removed from my credit report and charged off as fraud.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX, Equfax, XXXX XXXX is reporting false information on my credit report involving a collection account after numerous times to investigate it they come back verified as true. 

XXXX in complicit in aiding debt collector XXXX in illegally Re aging this account. 

Account XXXX, XXXX XXXX account number XXXX. 

XXXX is reporting the open date is XXXX in an attempt to keep it on my credit report longer. 
The actual open date is XXXX the account is close to 7 year mark for removal and I want it removed. 

I have not made any payments on this debt to XXXX and to any other collection agency and any payment made on my behalf is fraudulent and I request any reciept which claims payment made. I dispute the debt and have not and will never make a payment on this alleged debt. 

XXXX XXXX tried to collect the debt on XXXX on behalf of XXXX and XXXX has numerous times tried to collect the debt without proof that would hold up in court.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX, XXXX, Trans Union is reporting false information on my credit report involving a collection account after numerous times to investigate it they come back verified as true. 

XXXX in complicit in aiding debt collector XXXX in illegally Re aging this account. 

Account XXXX, XXXX XXXX  account number XXXX. 

XXXX is reporting the open date is XXXX in an attempt to keep it on my credit report longer. 
The actual open date is XXXX the account is close to 7 year mark for removal and I want it removed. 

I have not made any payments on this debt to XXXX and to any other collection agency and any payment made on my behalf is fraudulent and I request any reciept which claims payment made. I dispute the debt and have not and will never make a payment on this alleged debt. 

XXXX XXXX tried to collect the debt on XXXX on behalf of XXXX and XXXX has numerous times tried to collect the debt without proof that would hold up in court.
Consumer complaint received 2022-06-14
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. (CA)

In accordance with the Fair Credit Reporting act, XXXX XXXX I account # 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 2021-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

Im the XXXX of a small XXXX 501 ( c ) ( 3 ) nonprofit organization helping at-risk youth from XXXX City learn XXXX XXXX XXXX. I have a small business account at SunTrust bank. On XX/XX/2021 they allowed a fraudulent check in the amount of {$5000.00} to be cashed on my account. The check was obviously fraudulent because the SunTrust logo was misplaced as well as it was missing key information that is on their checks. I was contacted by the SunTrust Fraud department days after they had released the money. During that call I verified that the check was fraudulent and pointed out all the inaccuracies in the check that they let get cashed. I was then told that it would take 15 days for the money to be put back into my account. Thats an excessive time to wait, especially for a small business. 

My first call since the one in early XXXX was Tuesday, XX/XX/XXXX. I wasnt available to answer the call so someone named XXXX left me a message. I called him several times and have not received a call back. Today, XX/XX/XXXX, Ive been on hold for two hours and counting trying to get this resolved and get the money back into my account. 

I hope you can help me. This is a lot of money and it shouldnt take this long to be resolved when its an obvious fraud case.
Consumer complaint received 2020-02-01
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. (OK)

I found out this week that Equifax has been submitting my credit report information to XXXX XXXX   twice a year for no reason what so ever. Since Equifax has done this, my credit limit has been lowered on two of XXXX XXXX  's Store cards. There is nothing in the literature from XXXX XXXX XXXX XXXX and XXXX ( both are XXXX XXXX Card ). I was not notified by those cards until I logged in to see my credit had been lowered. I do have an email from XXXX and XXXX XXXX XXXX that it was solely based on what Equifax had sent them. The kicker is my credit report rating with them has gone up since I got these cards. The problem is, Equifax did not have my permission to submit any information, I have a credit freeze on my report and I have my report locked as well. The information they sent over is false, misleading and highly inaccurate.
Consumer complaint received 2018-05-07
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: LEXISNEXIS (TX)

XX/XX/XXXX I placed a security freeze and file suppression on my consumer file with LexisNexis. On XX/XX/XXXX I received credit reports from XXXX XXXX, XXXX, and XXXX that contained inaccurate information about a bankruptcy. XX/XX/XXXX I sent all bureaus dispute information for the inaccurate information on my reports as well as a letter to the court that the bankruptcy was listed under. XX/XX/XXXX I received response from BK court stating they do not verify bankruptcies and have no information on file for me with the given information from my credit reports. I also received credit reports from all 3 bureaus stating in writing that the information reported about the BK was verified by LexisNexis. XX/XX/XXXX I called LexisNexis who verified I had placed said freeze and suppression of consumer file XX/XX/XXXX and that they DID NOT provide verification information to any of the credit bureaus. I now believe that there was no verification at all and theses bureaus are purposely reporting inaccurate information on consumer files.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

in accordance with the Fair Credit Reporting act XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX 15 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-13
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021, XX/XX/2021.
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AL)

LVNV Funding has been calling over and over. Also threatening to take me to court. I told them on several occasions I have never had a capital one card. Im over XXXX years old what do I need with a credit card. This is FRAUD! I want this to stop and removed from my credit file. Especially XXXX credit report. This harassment is against the law
Consumer complaint received 2018-05-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/XXXX, my father received a call from XXXX XXXX XXXX in XXXX, CA requesting I contact them because they were filing a judgement against me. On XX/XX/XXXX I contacted XXXX at XXXX XXXX XXXX using claim XXXX. XXXX then informed me they were filing a judgement against me for a debt with XXXX   XXXX for the amount of {$1300.00}. 

I explained I had no knowledge of this debt before this call. I asked if I could get proof that this debt or account existed. He told me it did exist he had a credit report from XX/XX/XXXX  that showed the debt and it was connected to my full name and social security number. I then told him I needed some sort of proof that this was my debt and he told me he was taking that as " refusal '' to pay and they would move forward in court. 

I then again said I needed some sort of proof I owed this money and he said my request was unreasonable and " sarcastic '' and accused me of requiring him to send me " a picture of myself when I took out the card ''. Which was never requested. 

I then asked for basic details such as when this card was taken out, when the last time I made a payment was, he then got angry and refused to provide me additional details and told me I would need an attorney to get these answers.
Consumer complaint received 2023-03-28
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: ALLY FINANCIAL INC. (NY)

On XX/XX/2023 The Credit bureaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on My credit report as well
Consumer complaint received 2022-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC (IL)

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 the company is not complying with the written law. They have not validated the debt by the certified letter I sent to the company on XX/XX/2022. They received the letter XXXX XXXX they continued to publish this alleged debt on my XXXX and XXXX credit reports.
Consumer complaint received 2021-05-09
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: ONLINE Information Services, Inc. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$79.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2018-05-07
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. (NJ)

This is on my credit reports, but is not my account : XXXX XXXX   Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your credit score. It's calculated by dividing an account 's reported balance by its credit limit.

Account Number Account Status PAYS_AS_AGREED Available Credit {$31000.00} Reported Balance {$30000.00} Debt-to-Credit Ratio 97 %
Consumer complaint received 2022-03-02
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: TOYOTA MOTOR CREDIT CORPORATION (AL)

I am showing 2 derogatory accounts on my credit that I have disputed in the past with all three credit bureaus. The only credit bureau that continues to report the accounts in question is XXXX. XXXX has blocked my report and refuses to report a score for no reason other than a previously reported identity theft to them. Also with the accounts that are in question both accounts have incorrect information the Toyota motor leasing was found not even to have my Social Security number these were a result of ID identity theft. When Toyota motor credit leasing was questioned they originally admitted that they had my social as ending in XXXX, ( I do not have the account number but it is included on page 23 of 36 on my credit report attached ) this is not my social and all of the information on the application was incorrect did not match me it was a result of identity theft. The next account coming from XXXX XXXX XXXX I have disputed on several occasions. XXXX XXXX XXXX continues to reseal this information to different debt collectors after they have been advised that this was a fraudulent account as a result of identity best. XXXX XXXX XXXX has been negligent in selling this information to now professional account services. I just disputed the same bill on multiple occasions from two other debt collectors that I had to dispute and have the same account removed for {$150.00}. This has been a burden and XXXX has been the only company to continue to violate the law by reporting these items even though I have supplied them on multiple occasions with disputes and police reports showing identity theft.
Consumer complaint received 2020-09-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY ()

For a month I have been sending messages through the message center to Wells Fargo to close my XXXX checking accounts and savings accounts, that are currently in a balance of zero dollars, but the bank has refused to close them to continue charging the monthly maintenance fee of both accounts for having insufficient balance. They charge me {$10.00} a month for each account. I told the bank that I am not in the United States and I have not been able to travel because of the covid but the bank insists that the closing of the accounts must be personal to continue collecting the monthly fee. I can not be forced by the bank to have accounts that I do not want to have.