davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MI)

I received the following letter, and made notations of the call. 

In late XX/XX/XXXX or in XX/XX/XXXX my son worked for XXXX ( I believe ) or XXXX 's XXXX XXXX store. His paycheck said Wells Fargo, so tried to cash it there. 

They told us they couldn't cash the cash without his opening an account there ( despite his employers account being there ) because " the account could be overdrawn. '' They said without an account it would cost {$20.00} to cash a check. We refused their illegal business practices paid the {$20.00} opened an account at another bank once I investigated the rest of the banks in this area. 

Seems they are still trying to do unscrupulous things. They tracked down and wrote me yet, after talking to two people, no one has explained how their " commitment '' plans to " make things right for customers ''. 

There is NO reason an email can not be used in lieu of a private phone number, unless they don't want anyone to know how they plan to " make things right ''.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, TRANSUNION XXXX  XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$6000.00} XXXX XXXX : XXXX -- -> : {$1000.00} XXXX XXXX : XXXX -- XXXX : {$4500.00} XXXX & XXXX XXXX CO : XXXX -- > {$13000.00} XXXX XXXX XXXX  XXXX : XXXX -- XXXX : {$1100.00}
Consumer complaint received 2022-05-02
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 any purpose.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-05-02
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: Merchants Adjustment Service, Inc. (FL)

In accordance with fair credit reporting act convergent account # XXXX XXXXt # - XXXX XXXX XXXX  # Has violated my right. 
15 u.s.c 1681 section 602 A. States I have right to privacy.

15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.
Consumer complaint received 2022-05-02
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX  XXXX XXXX have violated my rights. 

15 U.S.C1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A, section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-14
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: EQUIFAX, INC. (VA)

I dont owe this debt to XXXX XXXX XXXX I do not have a contract with progressive 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 or information, other than records of convictions of crimes which antedates the report by more than seven years. In accordance with the Fair Credit Reporting act. Ive been violated. My federally protected consumer rights to privacy an confidentiality.

15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4
Consumer complaint received 2024-02-27
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. (MN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (TX)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN 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 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
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (TX)

I am unable to log into my Suntrust account online. I get a message to call an XXXX number, which has a hold time of great than XXXX hours! I have tried calling them multiple times, multiple days, multiple times of days, I am unable to get thru to them. On every occasion, I get hung up on after being on hold for over an hour. I have reached to them on XXXX as well, no response. Meanwhile, I am unable to access my money!
Consumer complaint received 2020-12-12
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (NY)

I was an XXXX XXXX XXXX student which was part of the predatory loans tactics managed by Sallie Mae/Navient. 
the U.S. Department of Education Borrowers defense provided loan forgiveness for my federal loans. 
Sallie Mae/Navient Office of customer advocate has yet responded to my efforts of fillings forms sent by XXXX XXXX department to have private student loans forgiven. I received notification via mail in regards to the predatory private student loan lawsuit filed Villalba v. Navient. Deeply need assistance in resolving this malpractice
Consumer complaint received 2021-02-11
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: SIMMONS FIRST NATIONAL CORPORATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX, XXXX XXXX, and Simmons Bank. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Simmons Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I called my Wells Fargo XXXX SUPPORT FOR AN UNAUTHORIZED TRANSACTION on my card, but instead of fixing the issue, they caused a much bigger problem They blocked my card. even though i rold them not to, cause i am on business trip far away from home And i dont carry cash with me, and i use my card for evry day needs from food hotel fuel also have many atoupayment setup on this card, now trying to buy some cryptos on card but was declined because it is blocked also i cant get hotel food or anything. Basically i am dead broke for the next XXXX to 10 days until the next card will be mailed home But i am no where near home for the next XXXX. Even though i explained my situation to the XXXX, they dont care if i starve to death or sleep or conduct my every day business. I already missed a good investment opportunities on crypto coins also will be spending many nights out like a homeless with no way to buy food, and many upcoming payments wil also XXXX missed and all that good stuff that comes after!!! 
I explained all this to MY WELLS FARGO BANK XXXX XXXX I SPOKE WITH. NOW I AM LEFT NO CHOICE BUT TO ASK FOR CHARITY FROM OTHERS, EVEN THOUGH I HAVE THOUSANDS OF DOLLARS ON MY ACCOUNT BUT CANT ACCESS OR USE IT, ITS A SHAME ON A BANK TO TREAT THEIR CUSTOMERS THIS WAY AND CAUSING MUCH WORST SITUATIONS. INSTEAD OF FIXING A SIMPLE XXXX NOW I AM FILLING THIS COMPLAIN FOR ALL THIS MISFORTUNE I'M XXXX FORCED TO ENDURE FOR THE NEXT 10 DAYS AWAY FROM MY COMFORT ZONE. 
AND I HELD THIS INSTITUTION RESPONSIBLE FOR XXXX THING THAS HAPPENING TO ME NOW AND ALL REPRICAUTIONS THAT WILL OCCUR IN THE FUTURE. CAUSED BY BLOCKING MY DEBIT CARD.
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NC)

In XX/XX/XXXX after being alerted to a collection account added to all 3 credit bureaus, Midland was  sent a dispute and validation request for the alleged debt. In XX/XX/XXXX the attached response was received. As you can see Midland has failed to validate the alleged debt with the requested contract signed by alleged debtor that outlines obligation to pay original creditor and/or Midland, requested contract between original creditor and Midland allowing them to collect on this alleged debt, requested signed receipts linking credit account to alleged debtor as this is appears to be a credit card debt, or requested detailed billing history to prove amounts owed on the alleged debt especially considering that the statement that was provided does not explain how an alleged credit line of {$400.00} turned into an amount owed of {$810.00}. With the information that is present on the statement provided, it appears Midland is attempting to collect an invalid amount for this alleged debt. I am further concerned that Midland may be reporting invalid information as they allege the debt was charged off XX/XX/XXXX which appears to conflict with the statement due date of XX/XX/XXXX.
Consumer complaint received 2021-11-19
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. (NY)

I was denied an extension of credit through XXXX XXXX XXXX on XX/XX/2021 due to XXXX furnishing inaccurate information on my report that was later deleted. the inquiry that discover mentioned in their letter of denial was because of a company called XXXX which you will see in the documents uploaded. Also after reviewing my most recent credit report that was sent out to me, I discovered even more inaccuracies not to mention i noticed XXXX XXXX showed up a few times and i never reached out to them for any credit purposes, so why are they accessing my information? Everything that was deleted ranged from names, addresses, phone numbers and hard and soft inquiries. 

This made me feel cheated because these companies are supposed to make sure we dont experience these things and then this happens. I suffered so much as a result of this from being denied credit making it seem like I have a bad reputation and not responsible. This caused me sooooooo much XXXX XXXX and XXXX XXXX and lXXXX XXXX XXXX  amongst other things when i learned what XXXX has willfully allowed to be put on my report despite the fact that it didn't even belong to me and was later removed after reaching and speaking to both of these companies. 

No one should ever have to suffer the way I did being a consumer and natural person, how am i supposed to trust these companies after this? I also want to point out these agencies giving miscellaneous companies access to my personal consumer report with out my express and written consent. Not only did they gain access illegally there wasn't even a permissible purpose for the access as these agencies always tend to point out when speaking with them.
Consumer complaint received 2018-02-21
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. (IL)

Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit  bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be updated.
Consumer complaint received 2021-02-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (MO)

Ad Astra Recovery at XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX has been sending me collection notices in the amount of XXXX. The collection has been report as pasted due balance. I do no know this company. I have never done any business with this company does not have a contact with my signature.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (IN)

On XX/XX/2021, I opened a savings account with Citibank using a transfer deposit from my XXXX Bank savings account. 
I did not access the account after this transaction was made. Foolishly I did not record the account number, did not access the Citibank app for access to the account, either did not receive or misplaced the ATM card sent and never had a PIN number. 
In XXXX, XXXX, I received an email from Citibank telling me my new statement was available on the app. This is when I realized I could not access the app. Thus started a very frustrating effort to obtain a new ATM card so I could access my money and close the account. 
The personnel I spoke with told me I missed XXXX of the security questions and therefore would not assist me and directed me to write to Citibank. I had tried multiple times to talk to someone at Citibank and got nowhere. I decided I would locate a physical location and with my passport, social security card, and drivers license drove several hours to what I believed to be a Citibank. The building is now a funeral home. I then realized that Citibank has no physical locations near me and without the ATM card had no way to retrieve my funds. 
I have now written to Citibank XXXX times. In response I received a form letter requesting a notarized copy of my request and the complete account number. In the notarized letter I sent to them I explained I did not have the complete account number and asked that a Citibank representative call me to obtain more identifying information so I could close the account. 
This letter only generated another form letter from Citibank. This form letter did not request the notarized letter but once again checked the box stating I had to supply the complete account number. 
I don't know how to proceed. I admit I made errors in the transaction but do not feel that justifies not getting my funds returned. 
I have attached the XXXX letters I wrote to Citibank, a copy of the XXXX XXXX account statement showing the transfer of {$1000.00} to Citibank, and a copy of the form letter they have sent me. 
I would appreciate assistance in getting this matter resolved.
Consumer complaint received 2020-01-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MA)

I received mail from XXXX XXXX XXXX XXXX in late XX/XX/XXXX that I owed an amount of {$370.00} for regular XXXX   visit for my son. I called them and they said that charges pertained to services performed on XX/XX/XXXX and XX/XX/XXXX that was denied by my insurance, with the reason from insurance company stating that my son had another primary insurance. 

I contacted the insurance ( XXXX XXXX  ) after I received the mail in late XX/XX/XXXXand they explained that the claim is too old for them to process anymore. My complain pertains to the fact that XXXX XXXX XXXX XXXX did not make any contact with me till XXXX, and a timely follow-up with the insurance would have clarified and resulted in claim being paid. I tried calling XXXX XXXX  many times and left 3 voicemails that were never returned. 

I followed up with my insurance on XX/XX/XXXX to get more detail and they explained that my son had another insurance during that time period per their system, which was not correct since the other insurance verified to me that my son was not covered by them during the concerned time frame. 

Now XXXX XXXX has sent it to debt collection and debt collector refuses to consider the fact I did not receive timely follow-up from XXXX XXXX and it is negligence on part of XXXX XXXX  that resulted in claim not being paid and also that this could not be resolved prior to going to a debt collector. It appears that XXXX XXXX never had the intention to resolve this in good faith since they knew it was their fault. 

Do I have any recourse?
Consumer complaint received 2023-04-08
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-05-02
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, 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.
Consumer complaint received 2021-09-16
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. (GA)

DEPARTMENT OF EDUCATION IS REPORTING INACCURATE INFORMATION TOE XXXX, XXXX, ANE EQUIFAX THAT IM PAYING ON STUDENT LOANS IN WHICH IM NOT AND IS NOT IN SCHOOL.
Consumer complaint received 2021-01-24
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.