davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

PRA is reporting a debt on my credit reports and I never received any notice of my right to dispute. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. PRA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2022-04-29
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. (NC)

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 Account # xxxxxxxxxxxx XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX, has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights US DEPARTMENT OF EDUCATION| XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights XXXX XXXX XXXX| xxxxxxxxxxxxx XXXX, has violated my rights 15 U.S.C . 1681 section 602 A, states I have a right to pricacy.

15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-10
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. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable. Please remove ASAP.
Consumer complaint received 2018-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

XXXX  Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with XXXX and Equifax.
Consumer complaint received 2018-02-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with Transunion and XXXX.
Consumer complaint received 2019-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Consumer Financial Protection Bureau, CFPB : SEVERAL FEDERAL DIC, FDIC, INSURED BANKS ARE ENGAGING IN BANK FRAUD, ROBBERY, AIDING AND ABETTING BANK FRAUD, ROBBERY, HIRING PEOPLE WHO MAKE ERRORS AND OMISSIONS, MISTAKES, AND STUPID-XXXX ACCIDENTS. THOSE BANKS BEING ( INCLUDING BUT NOT LIMITED ) TO XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( NOW XXXX ), XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX. ALL ACCOUNT CLOSED. DO NOT HAVE COP XXXX XXXX XXXX XXXX XXXX NOR THAT CONFUSED XXXX XXXX A. GOOD BADGE XXXX CONTACT ME EVER AGAIN. HOLD THEM ACCOUNTABLE AND HAVE THEM CEASE AND DESIST, MAKE CORRECTIONS, FINE THEM, AND TELL THEM TO MOVE THE XXXX ON. 

TRACE ALL CASHIERS CHECKS BECAUSE I AM THE PURCHASER AND THE ONLY PAYEE. THOSE ARE GUARANTEED FUND FOR ME, MY FAMILY, AND MY VERY XXXX XXXX SAFETY ONLY. I DID NOT PLACE A STOP PAYMENT, I DID NOT REPORT THE CASHIER CHECK LOST, STOLEN, DAMAGED, FORGED, AND I HAVE NO KNOWLEDGE OF A LEGAL STOP PAYMENT. THAT IS MY VALID SIGNATURE ON ALL CASHIER CHECKS. 

XXXX YES, I WANT TO PRESS CRIMINAL CHARGES. I DO NOT OWE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NOR XXXX XXXX XXXX XXXX XXXX XXXX NOR XXXX XXXX XXXX XXXX. AND XXXX NO THEY CAN NOT WRITE OFF DEBTS I DO NOT OWE AND REPORT TO ANY XXXX NOR 3 CREDIT BUREAUS ( XXXX, TRANSUNION, NOR XXXX ) AFFECTING MY CREDIT AND SAFETY ABILITY TO MOVE ONWARD. THEY ARE IN VIOLATIO OF 15 USC 1692 AND EACH BANK OWES ME {$1000.00}. 

I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL.
Consumer complaint received 2018-02-10
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: Santander Consumer USA Holdings Inc. (WI)

Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX Santander- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I took out a personal loan with XXXX  in XXXX of 2023 to pay some debts, I have always paid the loans payments timely, I was terminated from my employment and I was unable to collect unemployment where I was not able to pay timely, I HAVE ZERO SUPPORT FROM ANYONE, my family has disowned me due to my lifestyle as a XXXX male, I have no friends to SEVERE XXXX SEVERE XXXX, AND SEVERE XXXX due to 38 years of XXXX I was denied unemployment benefits multiple times due to an issue that I was not aware, I was also evicted from my place of residence along with the repossession of my vehicle in which I lived in upon my eviction, I have been living in shelters, living motels with vouchers, squatting in vacant properties and sometimes sleeping on the streets or in public places where I also wash up along with washing clothes. I have been trying to get on my feet since the job termination and eviction. However, with the late payments and other barriers on my credit reports I AM UNABLE TO GET HOUSING AND HOUSING ASSISTANCE here is ON A YEAR OR LONGER WAITLIST. Most of the shelters in XXXX XXXX are full and told me that I need help beyond their qualifications. By having this negative information removed IMMEDIATELY, it would help me get steady employment, housing, a vehicle and a normal life as I have been hospitalized for overdosing along with MULTIPLE XXXX XXXX, XXXX XXXX and an XXXX relationship with a XXXX  for XXXX  years who repeatedly pushed me down the steps, XXXX me, gave a couple XXXX due to him XXXX with someone else outside of our relationship, NO ONE WAS there to support me in anyway, I have been dealing with this alone and I can not achieve XXXX due to this issue or XXXX during XXXXXXXX XXXX I WILL SUE FOR {$34000.00} and an additional {$2500.00} for legal fees IF THIS REQUEST IS NOT MET!! I AM ALSO REQUESTING THAT THE LOAN BALANCE IS PAID IN FULL AND THIS ACCOUNT is REMOVED FROM ALL CREDIT REPORTS IMMEDIATELY!!
Consumer complaint received 2018-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAB Receivables, Inc. (FL)

This letter is to file a serious complaint against, XXXX XXXX of XXXX XXXX XXXX, File No. XXXX Ref No. XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX, phone number XXXX. 
Back in XXXX XXXX, we received a call from XXXX XXXX demanding a payment for an unpaid invoice from merchandise shipped from XXXX to some country in XXXX, a company we are not aware of. When my husband asked for more details he added my husbands name to a case that he was not involved in. After looking into the documents we immediately called the XXXX Police Department and filed a case number XXXX. We emailed them the information and informed them is was a case of identity theft. Based on a statement from Detective XXXX, they were able to determine that the information was fraudulent. The documents that XXXX XXXX provided with the notary seal were determined to be fake. 
We were then contacted again on XX/XX/XXXX by XXXX XXXX, and when my husband informed him again, its an obvious case of identity theft, XXXX XXXX began using abusive and intimidating language, with threats of suing us and taking legal action against us. 
He was extremely unprofessional, and was telling my husband to ''Drop the attitude '', and " He couldn't care less about aggravating him ''. My husband then called back the company and asked to speak with somebody other than XXXX, the operator was instructed not to let him speak with anyone other than XXXX XXXX. Please look into this abuse of power and authority, and please let us know what can be done about this case. 
Thank you, XXXX XXXX XXXX File No. XXXX Ref No. XXXX
Consumer complaint received 2021-02-01
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. (AR)

XXXX -Present Amounts-unknown XXXX XXXX hackers compromised the data base of Equifax XXXXs XXXX XXXX software and My information was to accessed, I have tried numerous amounts of time to resolve this, my entire credit report has been damaged and mis-reported for over 3 years now because of equifax .
Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NE)

Wells Fargo drive thru atm on XXXX XXXX XXXX XXXXXXXX in XXXX XXXX I selected to withdrawl {$1000.00} and the machine gave me {$500.00} I called the bank located on XXXX XXXX XXXX  XXXX. 
Although its a fully functioning bank no calls are received by anyone inside this location. 
I then called the # on my bank atm card. The said they would do a investigation. They told me it would be 5-7 business days. 
Wells Fargo credited my account the {$500.00}. 
Wells Fargo then reversed the {$500.00} saying after a audit the system was not short {$500.00}. 
They closed the case. 
Im not willing to just sweep {$500.00} under the rug Claim XXXX XXXXXXXX Please help me if you can. 
Thanks XXXX
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I received a notification on XX/XX/20 that my credit report had a new hard inquiry on it from XXXX XXXX, with an address at XXXX XXXX XXXX in XXXX, OR XXXX. Upon investigation, I learned that the inquiry was made by someone attempting to use my name and credit to obtain a line of credit for XXXX XXXX XXXX, a retailer from whom I have never attempted to buy anything. The line of credit was ultimately denied to the person attempting to use my credit fraudulently and I received a letter to this effect at my home address. 

I called XXXX XXXX in XXXX to report the fraudulent activity and was assured by customer service that the matter would be resolved and that the hard pull would be removed from my credit report. This has not happened, and the additional pull on my credit has negatively affected my credit score and will continue to do so for up to two years if the matter is not resolved. I attempted to dispute the matter with Transunion online but was unsuccessful, so in XXXX I submitted a letter by mail both to XXXX XXXX and Transunion requesting that the matter be resolved. Transunion responded that I need to contact XXXX XXXX. I have not heard from XXXX XXXX again. 

I would like the fraudulent inquiry removed from my credit report immediately. Consumers should not have to jump through this many hoops to correct their credit report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$15000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$73.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE XXXX : XXXXXXXX XXXX XXXX Hello, A hard inquiry has been on my account since XXXX of XXXX. It caused my credit score to drop. I have not received a card from Capital One. I contacted them as well they have nothing on record. I really need this removed as I'm looking into moving. Can you assist with this please? 

Thank You XXXX XXXX email : XXXX XXXX
Consumer complaint received 2020-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (OH)

Representative gave false and misleading information about a promotional transfer for a 0 % promotional offer for {$10000.00} for which I paid a {$400.00} fee. The company refunded the improperly charged interest, however they did not refund the fee. In addition I have requested that the company refund the amounts that would have accrued to me under the XXXX XXXX card. 

We want our {$400.00} fee back and the amounts that would have accrued to our mortgage if we did not have to close our mortgage Several complaints were filed and improperly closed until the fraudulently charged interest was refunded under case number # XXXX. 

The XXXX fee has not been returned and the cash back amounts have not been refunded. A new complaint for these reimbursements has been filed under case # XXXX.
Consumer complaint received 2021-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am currently XXXX, & was looking for a room to rent. XXXX texted me & told me that she was in an internship in New York, so her grandfather would be handling the key situation for her, & that they had a room for rent, going for {$500.00}. I sent that, & we proceeded with the lease agreement, which I have as evidence. XXXX also told me that I had to give her {$300.00} for the security deposit, which was refundable upon me viewing the house & getting the key. I sent that. I wanted to add someone else to the lease, so she told me I had to send {$300.00} more to make up for the upgraded rent. I told her that I didnt feel safe giving up more money until I received the key, & I told her give me her grandfathers number. The grandfather, who goes by XXXX XXXX XXXX assured me that after sending the {$300.00}, he would be on his way to the property to give me the key. I sent the {$300.00} & upon waiting at the property, XXXX sent me an array of text messages, informing me that I was scammed & that its just the hustle. Now I am XXXX  & short of {$1100.00}. 

Sorry bro .... This is a scam Fake account Fake XXXX Apologies ... .. It's a hustle Throwing away all numbers and email Closing the zelle account Good luck Those are the last text messages sent to me by XXXX. I have more evidence, such as the lease, all the text messages, XXXX transactions, and the claim number I have with Bank of America. Please help me in any way possible.
Consumer complaint received 2018-02-10
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. (MI)

Im going to start off with Section 609 of the FCRA to provide the proper documentation of an original signed contract with my signature, and This company XXXX XXXX XXXX does not have of mine. XXXX did not investigate these accounts properly nor did Experian If XXXX XXXX XXXX cant provide my signature on a original signed contract then these accounts must be deleted. One document I submitted is what XXXX XXXX XXXX sent me when I asked them to send me an original signed contract with my signature.
Consumer complaint received 2022-04-29
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. (MO)

In accordance with the fair credo reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 status I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2021-05-27
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. (OH)

I have sent several letters to Transunion in regards to unauthorized inquires that I've noticed on my credit report and they have failed to meet the request of deleting these unauthorized inquires from my credit report. I need these inquiries DELETED immediately from my report I do not who these belong to but I did not authorize these. I've already contacted the companies and they advised for me to contact your office.
Consumer complaint received 2019-08-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (SC)

I inherited a house left to me by my mother. At the time that I took over responsibility for the house, it was already in foreclosure proceedings due to arrears in mortgage payments to Wells Fargo. I worked with Wells Fargo to come up with a mutually agreed upon settlement to get the house out of foreclosure and satisfy all arrears. A statement dated XX/XX/XXXX indicated the " minimum amount due to reinstate account as of this statement date '' was {$14000.00}, which included attorney costs. I paid {$15000.00} on XX/XX/XXXX. In a letter from Wells Fargo, dated XX/XX/XXXX, they " received the amount needed to reinstate [ the ] mortgage. '' A balance of {$1000.00} was indicated in the same letter as " unpaid other charges '' that were paid on our behalf and " may include any of the following :  attorney fees, real estate taxes, property insurance premiums, home preservation charges, or other charges associated with your property. '' These fees grew to {$4000.00} by XX/XX/XXXX. Never was I provided any description of the original charges or subsequent charges. 
The loan was then sold to XXXX XXXX XXXX, effective XX/XX/XXXX.  XXXX XXXX XXXX then began carrying that balance as a " Past Due '' balance. 

Wells Fargo and XXXX XXXX XXXX have been using deceptive, dishonest and unethical business practices for too long! I would have thought the class action lawsuits against both companies would have encouraged, if not forced, them to remediate their business practices. Guess not! Shame on them.
Consumer complaint received 2020-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I am a Wells Fargo customer and deposited a check for {$150000.00} in a Wells Fargo ATM on XX/XX/20. The ATM misread the check and indicated that it was for {$150.00}. I read the confirm quickly and hit the confirm button. I immediately realized my mistake and called Wells Fargo within five minutes to rectify the problem. I explained my mistakenly confirming the wrong amount and was assured that the problem would be resolved within 5 business days. On XX/XX/20 I received a letter from Wells Fargo that they had reviewed the document and they determined that it was for {$150.00} instead of the {$150000.00}. As you can imagine I am beside myself with extremely frustrated with the bank 's refusal to correct this. The claim nunber is XXXX