davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
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: Bread Financial Holdings, Inc. (NY)

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX all are card I had not used someone is using my cards I'm XXXX years old Please remove this late payments from my card I asked the card companies several times. Im in a XXXX home. I have my nurse  help me with this. Im too old and sick please help remove this information they are taking advantage of me
Consumer complaint received 2018-06-07
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: EQUIFAX, INC. (NJ)

on XX/XX/XXXX I woke up to see 4 inquiries on my report XXXX, XXXX, XXXX and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-09-30
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. (FL)

I ALREADY REQUEST PROOF THAT I MADE THOSE INQUIRIES, I AM ALREADY A CLIENT AND THERE IS NO NEED TO HAVE HARD INQUIRY ON MY CREDIT AND WHY MULTIPLE INQUIRIES? 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diaz & Associates, Inc. (CA)

Diaz & Associates writes in a letter that I have a debt of {$7400.00} from " XXXX XXXX XXXX XXXX  ( ) '' and they're offering me " an opportunity to resolve this account in full for the balance of {$2600.00}. '' I checked my credit report, and no such bank name appears on my credit report. I looked up the bank to see if it was legit, and XXXX XXXX was acquired by XXXX  XXXX XXXX in XXXX and renamed the next year. It's late XXXX, so that means XXXX stopped issuing credit cards over 15 years ago. In the whole ten years of my credit history, this credit card didn't even exist. In California, a debt collector has to inform a consumer if a debt is time-barred. The collector must include the notice in the first written communication sent to the consumer after the statute of limitations passes. Clearly, if it's not even in my credit report, it's been way over the 4-year statute of limitations for written contracts in California. It's all very fishy, like they've purposely picked a bank that doesn't exist so the consumer can't call in and ask questions to verify the alleged debt.

I think this company is trying to extort money out of me. Is Diaz & Associates a scam?

According to the XXXX XXXX XXXX  website, Diaz & Associates has had 63 complaints closed in last 3 years. The many many other claims appear to still be open. One guy who got the same letter as me wrote that " my credit report clearly shows I have never had any business with any firm by that name or in any similar amount. This " attempt to collect a debt '' is CLEARLY a phishing scam, CLEARLY illegal and I want them to cease immediately, release me from all claims and liabilities pertaining to this unsubstantiated debt collection account, and to send notice to any credit agency affected that this account ( File # ****** ) is fraudulent and without support documentation. There are many other websites that tell horror stories about this company I can not believe they are still in business. 

But they are, and Im guessing their tactics work to scare the vulnerable into falling for their scam, and that they're making tons of money by targeting seniors like me! 

Please investigate and try to stop them from this scam! 

XXXX XXXX, Legal Administrator Diaz & Associates XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MI)

Paypal abuses its power and put hold on my funds without any reasonable reason. I have been with Paypal since XX/XX/XXXX ; I have a perfect record without even a single dispute or declined transaction. In XX/XX/XXXX, I started selling my business equipment on XXXX, I just bought these equipment in XX/XX/XXXX and XX/XX/XXXX, but I sold them on XXXX with about {$40000.00} loss of the price I paid for them just two months ago. These equipment were a source of income for me and I sold them with a huge loss for only one reason, to save the life of my 3 years old niece who needs a XXXX and XXXX XXXX  and living now on a XXXX XXXX. My niece is not a US citizen and not eligible for medical insurance or public assistance, so all her medical expenses are out of pocket and through fund raisings. I sold them with a huge loss because I wanted to sell them fast so I can help my niece get the needed XXXX. After I finished selling all my stuff on XXXX, I withdraw half of the money from Paypal and then I got an email from Paypal stating that my account got restricted and I need to provide proof of identity, bank statement, and invoices or receipts to proof the ownership of these equipment. I provided all documents they needed and after 24 hours they remove the restriction but they said they will hold all my money {$10000.00} for 90 days and they put 20 % rolling reserve on my account. I didn't sell my equipment with more than {$40000.00} loss to give the money for Paypal to hold it for 90 days ; I sold them to help my brother and his daughter. My niece is in a critical condition and we are short of money trying in all possible ways to collect the cost required for her XXXX. I tried in all possible ways to get them to release my money, I even emailed them hospital documents of my niece condition, hospital phone number and my niece name to call and verify, but unfortunately, I found out I were dealing with monsters who don't have any human values or mercy, they don't care about you no matter what you have or what you say. I have a % 100 positive  feedback on XXXX, not even a single return, not a single complaint, nor a single chargeback. Therefore, I am respectfully requesting that the hold on my funds be lifted due to the urgent circumstances I mentioned above
Consumer complaint received 2022-08-11
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. (VA)

I have disputed the following unauthorized inquiries and transunion has refused to delete them from my credit report. There was permissible purpose for these inquiries. 

XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XX/XX/2021
Consumer complaint received 2023-02-07
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Bank of America Credit Card Sevices / Visa card number ending in XXXX To whom this may concern : Back in XXXX, I opened a consumer visa credit card account with Bank of America, at the time of opening my credit card account, Bank of America required a {$99.00} deposit, at which time I paid as part of the opening of my new credit card account. 

Its been over 3 years since my consumer credit card account was opened, while doing an accounting of my monthly bills, I remembered the process of what was required of me back in XXXX when I opened a credit card account with Bank of America. I decided to call in to BofA and inquire about the process of the {$99.00} deposit, was it something that would eventually be returned to me automatically, or exactly how the deposit process actually works. 

I was advised at the time of my call, that in order to receive my deposit back, I first needed to request it, then a process of filling out a request was done by a Bank of America agent and would then receive my deposit back in the form of either a direct deposit into my bank account, cashiers check or regular check within 7 to 10 days, I opted for a physical check. This was on or around the first week in XX/XX/XXXX I was also assured that I would be receiving a letter in the mail prior to receiving my refund check. Neither took place, no letter, no refund. 

I then reached back out to Bank of America around or about the middle of XXXX, explaining the situation and that I had never heard anything back from BofA, the agent at the time was very nice, explained while apologizing, stating that she could see that I had called and requested the refund of deposit. Unfortunately, the rep didnt properly process my request. She assured me that this time, she would get it right and that for sure, I would receive my refund check in the amount of {$99.00} and in addition, I would be receiving a letter confirming the process. 

Well, its now XX/XX/XXXX and I have received nothing or heard nothing from Bank of America, I advised the agent at the time, that if I didnt hear back from Bank of America, I would then reach out to the Consumer Financial Protection Bureau and request that they look into the issue further. 

Please investigate the situation and lets hope for a quick and easy resolution to the problem. There seems to be a lack of proper handling regarding my request. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-03-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (SC)

XX/XX/XXXX Wells Fargo ATTN : Wells Fargo Credit Dispute Department Fax XXXX To Whom it May Concern : Attached please find information regarding Wells Fargos errors, and failure to remove negative reporting information to all credit bureau reporting agencies. 
This has been an ongoing issue, and Wells Fargo agreed to rectify their errors in regards to my account Full names : XXXX XXXX XXXX XXXX XXXX XXXX Full account # XXXX ss # XXXX XXXX XXXX. - XXXX DOB XXXX XXXX XXXX - XX/XX/XXXX Mailing address : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC. XXXX Phone # s XXXX XXXX XXXX - XXXX Respectfully, XXXX XXXX
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (MD)

On XX/XX/XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

I am XXXX XXXX, and the author of this complaint. 

There is an Original Complaint with TD Bank/Target, and the ID is XXXX. That complaint was created because of missing data on this tradeline, and inaccurate data. 

This complaint is in regard to the same issues - except this time, I am including one of the CRA 's on this complaint - so I do not become its middle man. Each time I dispute has been lodged - both TD Bank, and the CRA 's point their fingers at each other. 

TD Bank ( Original Creditor ) - I am relying on the rules that govern you, as a Data Furnisher, and acting on your own behalf as the Debt Collector on this account. 
https : //www.ecfr.gov/cgi-bin/text-idx? c=ecfr & SID=89d50ede6e4072bde4d4a944a89bd200 & rgn=div5 & view=text & node=16:1.0.1.6.77 & idno=16 # se16.1.660_13 In this dispute - the CRA, will be XXXX, and for XXXX  - I am wholly relying on FCRA. 

https : //www.ftc.gov/enforcement/statutes/fair-credit-reporting-act I am attaching screen shots of my Credit report and then from XXXX 2 sources, and as noted below. 
My XXXX  XXXX XXXX in this complaint ) - and XXXX ( XXXX  in this complaint ). 
XXXX XXXX XXXX  - 1. The Account Number is NULL, or Blank on the raw credit report, XXXX  from XXXX  2. This Account Name states that this account is CLOSED. 
3. This Tradeline is then also reporting Available Credit and it can not /should not. 
4. As a result, this Tradeline is then reporting, Debt to Credit Ratio, when it can not /should not. 
5. XXXX Reported Balance/XXXX = XXXX Percent you are erroneously calculating/reporting 6. The Pay History - remains incomplete/Rating is incomplete, but it was reporting previously. 
7. The Balance History is nonexistent.

8. Please ensure the Balance History and Pay History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 9. Of whats reporting, the start date for 30 days, are reporting differently in each report ran on the same date, and again From XXXX and then XXXX 10. Only one can be accurate. Please see attached. 
11. The FCRA/DOFD can then not be accurate and based on the two - 30 marks, in Pay History. 
12. Please resolve the Pay History to be accurate, and to reflect the actual DOFD/FCRA Date 13. Then it remains impossible to be 120 days late in one month, and then 120 days late in the next please resolve 14. There is then a Credit Limit on this closed account, that I do not believe can be reported, additionally this is where you are erroneously calculating a Debt to Credit Ratio from. 
15. Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported 16. Creditor Classification is Unknown and should not be, please assign a valid value. 

While this Tradeline has been disputed previously - it lacks the Disputed tag - please ensure this is accurate.
Consumer complaint received 2021-07-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

I am writing to share my experience with Wells Fargo Bank concerning a XXXX XXXX Account and my wife 's first-time experience as an executor of a will. The legislature created the XXXX XXXX category to reduce the workload for probate courts. If an estate is under {$160000.00}, probate is not required, and the executor of the will can file a XXXX XXXX Affidavit to sell various financial instruments. 
My wife 's stepfather, XXXX XXXX, died. The will stated, " I give my entire estate to my son, XXXX XXXX XXXX. '' The following article in the will dealt with the executor. My wife was named as the executor, and this section stated that " The executor shall have the power to sell and lease any property of the estate, subject only to such confirmation of court as may be required by law. '' Given that the second item is true, then the intent is for the executor to handle the issues involved in closing the estate.

Three checks came in the mail addressed to the dead man. One was a refund from XXXX for {$290.00}. The second was a stock dividend for {$62.00}, and the third was {$2000.00} for a life insurance policy. My wife was told that all she had to do was fill out a XXXX XXXX XXXX, and she could deposit them in a new checking account. She made an appointment at the local Wells Fargo Branch and arrived with the will and the death certificate. The Estate Care Department would not accept the XXXX XXXX Affidavit because Mr. XXXX 's grandson was listed on the death certificate as the person who provided the information. Therefore, the money should go to him. Of course, this is ridiculous because the medical XXXX obtains the information about the deceased from whoever is available at the time. 
My wife wrote to the executive office of Wells Fargo, and the matter was referred to an official at the XXXX Care Department, and they asked for a copy of the will. The response she received was that since his son was the beneficiary, he needed to provide a notarized disclaimer. The son lives on the XXXX of XXXX in XXXX. Given COVID restrictions, it would be almost impossible ( and ridiculous ) for him to drive five hours to XXXX, XXXX, and make an appointment at the American Consulate so that my wife would be able to cash these three checks. Plus, the beneficiary cant override the executor, so basically, Wells Fargo created a new criterion not rooted in law.

Wells Fargo wouldn't budge. There were also three stock accounts, and my wife sent a copy of the will, the death certificate, and a XXXX XXXX XXXX to the companies. XXXX XXXX XXXX XXXX XXXX issued a check for {$4000.00}, XXXXXXXX XXXX XXXX issued a check for {$8200.00}, and finally, XXXX XXXX XXXX issued a check for {$1500.00}. All of these checks were in my wifes name.
Consumer complaint received 2019-03-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX XXXX   XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXCompany : XXXX XXXX XXXX Company : XXXX XXXX Date:XX/XX/XXXX BELOW are the Company , Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$53000.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$10000.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$6400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4300.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$5400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4600.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$7300.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$2600.00}
Consumer complaint received 2024-02-19
Product: Credit reporting 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.