davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/20, through the complaint process with the CFPB, I reported and reasserted to Wells Fargo Bank that fraud was committed on my closed checking account. I provided all of the information that I have regarding the matter, including my account number, the dates and amounts that were stolen to the extent possible, and what I believe happened. Wells Fargo Bank has yet to address the issue. They should have began an investigation at that point, and should have completed their investigation within ten days. If they needed more time, they should have informed me of such a decision in writing. I have provided the information to them in writing as requested on several occasions. I would like to know what their determination is, how they made it, when they made it, and ask if they have followed Federal Regulation E regarding this matter. I would like my rights under Regulation E to be enforced. I believe Mr. XXXX XXXX would be the contact at Wells Fargo. This matter should have been completed no later than 45 days after I made them aware of the matter. It has not.
Consumer complaint received 2022-07-05
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)

On XXXX, 2022 I sent via certified mail a letter to all 3 bureaus regarding accounts that were inaccurate and to be investigated. The Credit bureaus stated : XXXX or XXXX XXXX XXXX  XXXX was properly investigated but how, if the date last active in Not Accurate. XXXX  XXXX XXXX was properly investigated but how if the high balance amount, date of last active, and last payment date is Not Accurate. 
This is grounds for Removal. 
According to 15 U.S.C 1681i ( 5 ) ( a ) it sates If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. My federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are being violated continuously They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The Law clearly states a consumer reporting agency Cannnot furnish a account without my written instruction. 15 U.S.C 1681 Section 602 A. states I have the right to privacy I Haven't given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-07-22
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. (TX)

In accordance with the Fair Credit Reporting Act the below accounts have violated my rights. 

XXXX Account # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) # XXXX 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
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (MA)

I filed a dispute stating the debt XXXX XXXX XXXX XXXX XXXX was trying to collect was not valid. I furnished them with the email requesting cancellation of the membership and conflicting amounts that were claimed to be owed within the allotted time frame via certified mail. This company reported this debt without an investigation or any communication after my dispute was sent. They did not even report it as disputed. Which is illegal.
Consumer complaint received 2023-02-10
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: CORELOGIC INC (FL)

Had the company to run my credit report I gave them authorization to do so in XX/XX/XXXX and also XX/XX/XXXX. Looking on my credit and its showing the hard inquiries and they ran it in XXXX and XXXX of XXXX when I only was aware of the months I stated in the beginning.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Upon reviewing my credit report, I have discovered multiple instances of fraudulent entries that I did not authorize or consent to. These discrepancies are detrimental to my financial well-being and may impact my ability to secure credit in the future.

I am hereby invoking my rights under the Fair Credit Reporting Act ( FCRA ) to request that TransUnion conduct a thorough investigation into these fraudulent activities. I request that any unauthorized information be promptly removed or corrected in accordance with the FCRA. 

I expect TransUnion, XXXX, XXXX to comply with the statutory requirements outlined in the 15 U.S. Code 1601 and to resolve this matter within the timeframe stipulated by law.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MS)

XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts. 


Due to no response for more than 60 days I would like these accounts removed from my credit Report.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

This company refuses to send me proof of the debt. They continue to send me fraud packets and letters saying they are examining the debt. I have sent multiple certified letters demanding proof of the debt because I believe this company is fraudulent. I have ven filed a police report and sent them a certified copy of it. They continue to ignore me and damage my credit with XXXX. I am literally being denied my XXXX XXXX student loan so I am forced to pause my COVID-19 research project. I am about to move into my vehicle and couch surf as a XXXX XXXX.
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc. (CA)

XX/XX/2017 amount of {$490.00}. An account that was opened underneath my name I have no recollection of. I spoke with the collection agency and I stated I neve had the card. I spoke with capital one who was the original credit company. And they searched their records and they do not have any information of the application or the credit card being tied to my social. I followed their example and wrote the collection agency stating the facts. I as well wrote a written letter to all three credit bureaus and explained the situation. As well wrote capital one themselves per customer care to have it removed and they refuse to remove it. As well i feel and believe they are rebuying the collection report to keep it on my credit report for longer than it should be. I feel i am being abused by the company and they are not removing false information from my report. I even wrote the XXXX and they refused to respond to the complaint.
Consumer complaint received 2021-02-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS ( specialize loans servicing ) Is the most monster crocks thief fraud stupid heart dead on the planet earth All of theirs invester Should be in XXXX For getting rich by taking propels home foreclose on people by fraud Today the government extended and ban banks services from foreclosure people home till XXXX And these retards send me a foreclosure notice I am being Harass and abused by SLS Creeps come here front of my property which I am living in it and taking photos
Consumer complaint received 2024-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I was approved for borrower defense ( # XXXX ) and have received the forgiveness on my loans, with the exception of the refund due to me for payments made since my loans were consolidated into federally-held Direct Loans in XXXX. The time spent on this issue is beyond frustrating. I am due a refund, per my own estimates and my student aid text file from FSA, of approx. {$9500.00}. I have contacted Mohela numerous times as well as Borrower Defense ( the last on XX/XX/XXXX ), and have been unable to obtain any information whatsoever. Mohela ( reps as well as supervisors ) state this information comes from Borrower Defense. Borrower Defense states that the servicer, Mohela, has this information. Neither can give me any information at all on how to fix it or who is actually the correct party. As the XXXX  settlement was supposed to be completed by XX/XX/XXXX, it is already way overdue. The only actual information I have been able to obtain was from Mohela, stating that they received the forgiveness request in XXXX but no information regarding a refund due. Were the roles reversed, and I was late making a payment ( to which I can state I always paid on time ), no quarter would be given to me. It is totally unacceptable to treat customers in this manner- I am only due this forgiveness and refund because I was defrauded by a for-profit school ( XXXX ), not because I am trying to get something-for-nothing. I am an honest, tax-paying citizen, and do not deserve to be disregarded in this manner.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX  XXXX  XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX Child XXXX XXXX XXXX. Acct # XXXX XXXX  XXXX  XXXX XXXX Acct # XXXX XXXX XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX. ACCT # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX  XXXX  XXXX Acct XXXX XXXX XXXX  XXXX  XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX5 USC 1681 Sect 602 A. States I have the right to privacy.

15 USC 1681 Sect 604 A. Section 2. It also states a consumer recording agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section. States 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 1681 s-2 ( A ) ( 1 ) 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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacyand confidentiality under 15 USC 1681. XXXX XXXX XXXX : account # XXXX, XXXX : Account # XXXX, XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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. I demand deletion immediately.
Consumer complaint received 2021-02-17
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: ERC (OH)

ERC ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened XX/XX/2019 Balance {$500.00} I dont believe that this reporting is correct. This reporting is incomplete. Your agency is supposed to provide the missing information as they are missing from the report. I see that this account has a charge-off status but Im still seeing balance being reported. Are you aware that its a violation?
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Holdings, LLC (TX)

I was sent a letter by XXXX XXXX for a bill. She emailed me XX/XX/2018 the bill related to the fact I was unable to be reached. I received the bill via email and paid the bill by check. The checked was cashed by my bank XX/XX/2018. XXXX XXXX XXXX XXXX has placed a collection on my credit and stating is currently open and the amount is owed to them. I have outreached them to make them aware that the debt was not in collection per XXXX XXXX from XXXX XXXX and the bill has been paid and it is not an open case as it shows on my credit they have placed on my credit report ( XXXX )
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (FL)

Ive contacted Equifax numerous of times as well as sent certified docs to update my address so I can refinance with my bank. Most recent was today XX/XX/2023. The supervisor advises the same thing theyve been saying for over a month now! No documents has been received, please resend information Something needs to be done about this. Im considering contacting a Lawyer to get this rectified.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I been having trouble removing a fraud alert from Transunion for over 60 days. they keep giving me the run around. I want to get this done asap. this has caused me frustration.
Consumer complaint received 2021-02-17
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: Bread Financial Holdings, Inc. (OH)

CB/VICSCRT XXXX Date Opened XX/XX/2016 Balance {$0.00} Im unsure about the accuracy of this reporting. There are two different dates of date opened and three different dates of last activity reporting. I am certain that this kind of reporting is a violation of the FCRA. Your agency needs to look into this account to verify every single piece of information and to see if this account is verifiable.
Consumer complaint received 2018-05-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MA)

I took out a student loan with Sallie Mae in XXXX. On XX/XX/XXXX my balance owed was {$16000.00}. Navient took over my student loan while it was deferred. When Navient took over my loan the balance owed on my account went back up to {$21000.00}. When I attempted to discuss it with the customer service representative they told me I was never down to {$16000.00} and that I owed the {$21000.00}. I requested they send me documentation of all transactions with both Sallie Mae and Navient. They sent me the attached paper. I have also tried to speak with them about releasing a co-signer and the representative told me I could not release him, but didnt give any other information.
Consumer complaint received 2021-12-01
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. (MI)

i have contacted all 3 credit bureaus as well as XXXX  6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$1200.00} balance and it is also reporting a credit limit {$1600.00} and a past due XXXX ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be ... they are reporting a new charge off every single month
Consumer complaint received 2023-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NV)

I opened a small business account with Pay Pal in XX/XX/2022 and they have put a hold on my money ( {$10000.00} ) and are holding it hostage. They will not allow me to transfer any of my money to my linked bank account. I have a business to run and need the revenue. 

They never mentioned that there will be limit of any currency over {$2600.00} and that they would hold for 30 days and only release portions of it every 30 days. These are all credit card transactions that have already cleared with our various customers. So in reality they there is no reasoner for them to hold it. It could take up to 6 months for me to receive my total {$10000.00}. 

I have tried to resolve and they denied me. 

The person who helped me set up the account and works for Pay Pal is XXXX XXXX ( XXXX ) XXXX XXXX. He has also tried to help me get my money but unfortunately was unsuccessful with the higher ups. 

Please Help! 

Thank You! 

The Business is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment Bureau is reporting an account on my credit file that needs to be removed. I took a look at my credit and noticed that Knight Adjustment continues to report a collection on my credit despite me paying it. I am aware that Knight Adjustment can report to the bureaus as they deem necessary. I ask that they delete this collection and provide me with a letter stating the bureaus should remove this account. If I do not receive said letter, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to legal proceedings against Knight Adjustment.
Consumer complaint received 2023-02-10
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. (NY)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.