davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have 2 employers listed that are wrong. Also 2 unauthorized inquiries that need to be deleted. Also there is a medical collection that is on my account that does not belong to me
Consumer complaint received 2021-09-08
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. (FL)

I was notified sometime in XXXX that a collection agency believed I owed them a debt. I sent them a dispute and requested all the documents they had on the account. I never received anything from them and from my understanding they did not correctly report it to the credit bureaus. When I called in XX/XX/XXXX to request they remove the incorrect information on my credit report, the collection agency told me they sent something to me in XX/XX/XXXX but could not verify it was the documentation I requested or give my any information that was helpful. I did not receive anything from them in XX/XX/XXXX. The collection agency refused to remove the incorrect information from my credit report and I had to file a new dispute directly with the credit bureau this year. The incorrect reporting is negatively affecting my credit and I would like it removed.
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Venmo froze my account without any explanation other than what they are claiming is " apparent fraud '' on the account. This occurred after I accumulated a {$3000.00} balance in the account from rent reimbursement from an associate. Once I attempted to transfer the {$3000.00} to my XXXX XXXX bank account ( Which has been linked to my Venmo account for years ) the account was frozen. I no longer have access to these funds and have attempted to resolve this by calling Venmo. 

After eight business days of my account being frozen, and after multiple attempts to resolve this issue directly with Venmo via phone calls and emails, I have no choice but to report this to you.
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I used Paypal to send money for a product/service I thought they were selling. They made me believe they were having issues with one account to receive the money so they gave me multiple other accounts to try and said they would refund my money. The person I sent this money had multiple accounts but I believe is the same person. They scammed me into thinking I was getting a product or service that I never received. I believe the accounts associated that I have sent money to have illegal activity associated with them and I believe they are committing fraudulent activity. What steps can I take to help investigate them and or try and get a refund?
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

I mailed 2 disputes to the 3 credit bureaus last year on XX/XX/XXXX and XX/XX/XXXX. This year, I mailed 2 more disputes on XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX I have yet to receive one single response to the dispute letters I mailed out from XXXX, Equifax, or XXXX, with 1 exception. XXXX sent me a letter saying that they applaud me for working on my credit but, they don't believe that the dispute was sent from me... who else would it be sent from. I'm tired of these stall tactics, these companies are blatently violating the FCRA law.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Reported wrong phone on me without an permissions of mine to report any phone no. 

Reported differences High Blance under different account no. 

Still Reported paid and close 7 yr past account. 

Reported different account transfers to another office to make account be like still open for payment. 

Reported open and opened date. 

Reported different account no.
Consumer complaint received 2022-06-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (AZ)

Im out on my own now my life doesnt always involve an extra XXXX $ to just throw around. I have bills and I pay on this joke of a bill when I can XXXX XXXX should be FREE! I last paid on XX/XX/XXXX and im being sent to collections and its only the XXXX of XXXX? I pay rent/utilities, insurance and other necessary bills. When I can pay on this I do but the continous harrasment is extremely frustrating. For a XXXX XXXX XXXX its ridiculous how ive been contacted every 3 days or so. I pay when I can afford to end of discussion.
Consumer complaint received 2022-06-28
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 Account from XXXX  # XXXX, has violated my rights. 

15 U.S.C 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 2022-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (UT)

Resurgent Capital Debt have sent unauthorized text messages to a number I do not own or have access to. Cease and Desist contacting this number and send any correspondence of any alleged debt to mailing address. The owner of the phone wants all communication to cease and desist on there number.
Consumer complaint received 2022-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In cordance 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 Account #. Has violated my rights 15 USC 1681 section 602 A. Status I have the right to privacy 15 USC 1681 section 604a section 2 : it also States a consumer reporting agent can not furnish a account without my written instructions 15 USC 1681 c. ( A ) ( 5 ) section status : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 USC 168 1 s- ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has responsibility to believe that the information is inaccurate
Consumer complaint received 2022-08-10
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. (MA)

I am filing a complaint on Equifax. They assumed responsibility of my credit report ( 15 U.S. Code $ 1681a Congressional findings and statement of purpose # 3 ). Congress made it clear that Equifax assumed this role, and I never gave them my consent. Equifax did not have my consent and they violated my privacy by sharing my consumer history with financial institutions without consent ( Title 15 US Code 6821 ). They have tarnished my consumer report. Equifax was being unfair, impartial, and didn't respect my right to privacy.
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I am trying to work with PHH Mortgage for my uncles property of which I have power of attorney and they are not responding to my repeated requests for information or help. They answer the phone overseas and do not transfer me to anyone who is actually helping me obtain any information needed to save his property. I have the right to recover the property and they are not helping the process at all. They also did a refinance last year after he had a XXXX and he does not understand everything he signed for and now he is losing his house to these predators. Help please.
Consumer complaint received 2022-06-28
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

The following Accounts : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. {$12.00}, XXXX written off.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX has violated my rights. 

15U.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.

Also I contacted the debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts According to 15 U.S Code 1681i ( 5 ) the above accounts are in violation.
Consumer complaint received 2021-09-07
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. (PA)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE CORRECTED OR UPDATED FROM MY CREDIT REPORT : XXXX  XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX my husband went into Bank of America and deposited my check in the amount of {$11000.00} with a teller. He was told that there was no holds on the check and it should be all available in 2-3 business days. After waiting a few days we did not see any activity on our account. We began to worry so my husband called their customer service line on Friday XX/XX/XXXX and was told that there was no record of a check in that amount ever deposited. He was then transferred to their claims department where he filed a claim with them and was transferred back to a supervisor where he was told to go in to the bank and bring the receipt of the deposit and the stub of the check and speak with a branch manager. We went in to the bank the next day XX/XX/XXXX and spoke with the assistant manager, XXXX XXXX, where he tried to locate the missing check. He was unsuccessful and told us he did not know what happened or where the check was. He then told me to contact the institution that gave me the check and ask them if the funds have cleared from their account. He also said he would have this matter resolved by Monday XX/XX/XXXX but I have yet to hear from him.
Consumer complaint received 2022-06-07
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: WELLS FARGO & COMPANY (SC)

Agent XXXX : Escalation Team- XXXX XXXX Employee ID : XXXX Failed to resolve ongoing credit fraud issues, after being on the phone with Wells Fargo 1 hour and 19 minutes.

Fraudulent Credit Card, reporting to XXXX XXXX XXXX credit reporting accounts, for a card ending in XXXX. 

XXXX had a card ending in XXXX, which was paid and closed, due to fraud and mishandling, by Wells Fargo. 

Wella Fargo continues to fraudulently report a fraudulent credit account, for XXXX XXXX XXXX, a XXXX XXXX XXXX woman, with XXXX.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CBC Companies, Inc. (TX)

I've disputed the public record on my credit files with the credit reporting agencies and the data mining companies but keeping getting that the account was verified by the US bankruptcy Court of XXXX  Texas. I've supplied a letter from the US Bankruptcy Court of XXXX Texas, The XXXX XXXX of Texas that states they don't report to and Credit reporting agencies and the credit reporting agencies and data miners continue to verify the account. Under the Privacy act of 1974 under 5 U.S.C. 552a that information isnt allowed to be released by the US Bankruptcy Court. Under 15 U.S.C. 1681-1681y, Section 623 of the FCRA, 15 U.S.C. 1681s-2, only the furnisher of the information can report information and since XXXX and the other data miners are third party companies and not the US Bankruptcy Court of the XXXX XXXX  of Texas the Credit Reporting agencies and Data Miner Companies are in violation of law and therefore are subject to fines and penalties.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one bank acct XXXX XXXX XXXX XXXX  XXXX I had a ( secured card ) with Capital one that just stop working one day secured for {$250.00} Capital one put it on my credit report that I owed {$230.00} I paid capital one with a certified check from XXXX XXXX XXXX XXXX that they verified was received by capital one on XX/XX/2022 it is XXXX and Capital one will not verify I paid to the credit bureaus How did I owe if it was secured for {$250.00} I paid and XXXX  will not acknowledge payment
Consumer complaint received 2022-06-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Company responded it sent a PDF response to my prior complaint. 
The information on CFPB site is not complete. 
The " PDF '' doesnt pull up ~ also did they close ALL the cards, again I can not log in. 
I want the details for what cards were closed. 
And it states " monetary relief ''. I dont need monetary relief. This better not affect my credit, I just want them to reverse the interest not owed.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

There's XXXX XXXX XXXX cards on my account that were paid and close on XXXX. However XXXX 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need macys to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/XXXX.
Consumer complaint received 2022-06-28
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 

This company continues to report a 30 day, 60 day, & a 90 day late payment to XXXX, Equifax and XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Consumer complaint received 2022-06-07
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. (VA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX Judgement, Account # XXXX collection, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am distressed that you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (ND)

Hello I have a couple of promotional plans on my IDDEAL Credit Card I opened with Comenity Bank ie Bread Financial now. 
My first plan was a 12 month no interest - but if you don't pay it off all that interest is charged back to you. Well I am a week away from the 12 months being up and Comenity/Bread Financials will not allow customers access to their accounts. They have been down for multiple days and will only respond with super generic responses via XXXX and XXXX. No representatives will answer the phone and it says that you will not be able to access or make any changes to account including payments. 
So I have my 12 month promotional plan with XXXX I can't pay off and am in close proximity to the 12 months being up and I have a 60 month no interest promo that I need to set up autopay for. 
Very frustrating that we can't make any payments or see our accounts because of website maintenance that has taken multiple days with no access to their employees.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (FL)

Hello, My name is XXXX XXXX. This debt collector- Jefferson Capital Systems bought my debt collection from XXXX XXXX back in XXXX. I was XXXX XXXX XXXX. Every so often when I check my credit report, I can see that XXXX keeps updating the open date to a more recent date. Ive tried multiple times directly disputing it, and it does not work. This account has been sitting on my collections credit report for XXXX YEARS. XXXX will officially be 10 years. I called and spoke to collections with XXXX XXXX on XXXX, XXXX and they said the account was too old to find any information about the account even after I gave them the phone number my address and my ss #. I just recently spoke to XXXX XXXX collections again in XX/XX/XXXX to see if I could get an actually copy of the date this account was open and they said it was too old and in their eyes acts like it doesnt exist I refuse to call XXXX because I know they will re-open the account and itll stay another 10 years. I just recently started getting countless calls from XXXX attempting to collect a debt. Randomly. Or is it? This account of mine has been opened 10 years ago and was also brought to collections, 9 years ago. This is unfair and seems illegal after speaking with lawyers. The attorney I spoke to told me to file a complaint thru here before we pursue legal action against them, so this is it.