davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

My name XXXX XXXX XXXX, I had funds drop in Wells Fargo Bank, back in XX/XX/XXXX. I had two checks written on U.S. treasury from Social Security XXXX? The amount of two checks {$30000.00}, and {$20000.00}. I noticed that when I would go and draw funds, more funds came out then just the requested amount. 
I called a Police report lived at XXXX XXXX XXXX XXXX, XXXX XXXX, Calif. XXXX. The police report will have to request from XXXX XXXX, Police Department. The amount stolen is {$12000.00} I have called and the Fraud line and called the Fraud line, to no action back from Wells Fargo. As you can see we are in XXXX XX/XX/XXXX. To date no Action has happen.

I've ask begged give letters, Police Reports.
Consumer complaint received 2022-10-24
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: Credit Karma (TX)

I have been impacted by Credit Karma for the past few years! They were ordered to correct the issues and all of us victims were due a settlement check which we had not received! Credit Karma is still doing the same thing that brought the civil lawsuit to the courts ; as of yesterday I have 4 pre- approval credit cards with high favor, 20 data breaches,1 password exposed. I initially submitted a claim back in 2019. I have locked my accounts on credit Karma, put security freezes in place, opted- out of pre-screens/ pre approvals. The company has been giving my credit report to companies I didnt authorize. I want them to rectify the situation, because I care about my personal and private information!
Consumer complaint received 2022-07-31
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. (FL)

Transunion I have communicated with the credit bureau on the behalf of CFPB. I have remained patient in efforts of correcting the accuracy of my credit profile. 

I found inaccurate authorization of inquiries on my report that I want to remove from my credit report 1.XXXX ( Finance ) 2.XXXX XXXX XXXX XXXX ( FINANCE XXXX 3XXXX ( FINANCE ) Also I need a conformation that are no freezes or alerts that on my credit profile
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: LEXISNEXIS (FL)

The following consumer reporting agency : LexisNexis XXXX XXXX Sent my report on the following date by email : Consumer Number : XXXX Case Number : XXXX XX/XX/2021 After reading the report I sent an electronic dispute by email as per LexisNexis instructions ( see a copy of dispute instruction ) on XX/XX/2021, and followed up on XX/XX/2021, since I had not been notified that they had received my dispute or started an investigation. 

Copy of dispute instructions : Q : How do I contact you if I have questions about my report or want to correct information on my report? 
A : If you have any further questions or there are items you believe to be incorrect, you may contact LexisNexis XXXX XXXX via email at consumer.documents@LexisNexis.com or by phone at XXXX. The LexisNexis Risk Solutions Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX. XXXX XXXX. In an effort to protect your privacy and deliver prompt service, please have the numbers located at the top of your report page accessible when you call our support number. 

LexisNexis has been notified 2 times of my disputes of the report number ( s ) referred to above by the electronic means they implemented for disputes and has not acknowledged receiving my dispute of their information and/or that a timely investigation has been started.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc. (CA)

I opened an account with Self Financial in XXXX of XXXX  Their advertising states that if you pay {$25.00} a month, your credit score will increase, and after paying for 2 years, you will get a payout of {$520.00} ( {$600.00} minus an {$89.00} fee ). I paid on time, and paid off my credit usage every month. At the end of 2 years ( this XXXX ), I only received {$46.00}. I want the rest of my money.
Consumer complaint received 2020-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have disputed serveral collection accounts on my credit report multiple times. This company continues to " Verify '' the debt, however, provides me with no proof. In addition, I contacted the collection agencies, and either received NO response, OR they are Unable to provide me with Validation or Verification, OR they send me a Completely Different person 's medical information. How are they continuing to report inacurate defamatory information and on top of that, violate someone's HIPAA rights? 

I have attached a confirmed deletion letter from XXXX, an example of the UNABLE TO LOCATE responses I have received from the collectors,
Consumer complaint received 2022-07-31
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. (DC)

EXPERIAN is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EXPERIAN permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX, XX/XX/XXXX without my permission, or without a permissible purpose by law, EXPERIAN are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I am the court-appointed, non-compensated plenary guardian for a XXXX XXXX XXXXXXXX XXXX XXXX veteran. His mortgage is with Wells Fargo. For nearly XXXX YEARS, Wells Fargo has failed and refused to recognize the court order. I wanted to pay off the mortgage in XX/XX/2020 but WF would not speak to me. WF has added over {$12000.00} to the mortgage in fees and costs that they would not have incurred had they communicated so it could be paid off ( BTW, the mortgage is at 8.34 %! ) ..that is 40 % MORE than the balance at the time I wanted to pay off. 
I have faxed, e-mailed and postal mailed all the big shots I could find at WF, but to no avail. They simply ignore the court order. 
In the meantime, WF has filed a foreclosure action ( they have not effected service ) and continues to send me XXXX packages of information, essentially telling me that they will not do business with me. 

I could sue ; however, why spend THOUSANDS of dollars and have WF spend THOUSANDS of dollars and then pass those expenses on to other WF customers. 

Each time I talk with them on the phone, I find out they have lied. 
With each letter, I am learning that they are lying. 
I find documents that appear to be back dated and signatures that appear to be forgeries. 

Now, I doubt that the big shots are lying, forging documents, etc., but it is going on with nearly every communication. 

I am ready and willing to issued a check to pay off XXXXXXXX XXXX property at a reasonable rate. 

The mortgage is in the name of : XXXX XXXX XXXX XXXX the property is XXXX XXXX XXXX ( a single-wide house trailer XXXX XXXX XXXX ) XXXX XXXX XXXX Florida XXXX Account number XXXX I can use some help Thanks XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-09
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)

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX I've written XXXX, XXXX, and XXXX saying I don't believe this account is mine. No proof from them or XXXX I keep going back and forth with bureaus asking for debt verification/signed timeshare documents and all I'm being told is it's verified. I ask what information was provided? Who did the bureau contact because I get no response when I write XXXX - not even when I sent the letter certified USPS mail return receipt requested which they signed for on XX/XX/XXXX. If XXXX can tell Equifax it's my debt how come neither company can send me the documentation used. The bureaus are not really looking into this and it's affecting my ability to obtain credit and it's causing me stress! I'm a truck driver and right now moving essential supplies across this country requires my full attention and I'm distracted with this process going on for over 6 months. Enough is enough! 
I want this removed! It is not verified and I don't believe it is my account. I am attaching a credit report after the investigation and the certified receipt sent to XXXX.
Consumer complaint received 2022-10-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX Mail # DEMAND LETTER To whom it may concern I [ XXXX XXXX ] a natural person , consumer and original creditor pursuant to 15 USC 1692a demand you to remove all late payment ( s ) from Account [ XXXX ]. Be advise pursuant to 15 USC 1666b ( a ) ( b ). A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Also pursuant to 15 USC 1602 ( i ) ( m ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. 


I am notifying you in writing that I would like these late payment ( s ) removed immediately. I am also demanding that you refrain from ever reporting another late payment ( s ) future wise. I hope that you comply and that this issue will be resolved and handled here amicably. 

Also, 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. 







Kind regards, XXXX XXXX XXXX : CFPB XXXX : FTC XXXX : ATTORNEY GENERAL
Consumer complaint received 2022-10-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (FL)

I had a membership at XXXX XXXX but the card I was using expired without me knowing. I stopped going to the gym and forgot but they kept charging my expired debit card somehow and by the time I knew it they sent my account to collections and sold it to debt collectors.
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

Please be aware, that this is notice to all that I am, the consumer in fact, natural living person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and acceding being the executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a XXXX XXXX XXXX, and autograph as the agent, attorney in fact so be it. 

After reviewing my credit report, I noticed a collection was placed on my credit report. I'm not sure for what. I have never heard of this company or received any notification that I had debt with them.From my knowledge this is a violation of the fair credit reporting act which can allow me to seek damages from a collection agency. 

Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. 
Fact, The Fair Debt Collection Practices Act and The privacy Act of 1978 my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company Lastly Fact, please show good faith in the matter by expediting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

Unable to obtain my credit score for Equifax, nor file. I contacted XXXX XXXX to inform them of the issue and this issue hadnt been resolved. Its been about a couple months or close to year where Im not able to see any information which I do have credit.
Consumer complaint received 2020-04-09
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. (CA)

My wife and I are trying to buy a house so today XX/XX/20 the agent that we are working with ran our credit to see what amount we qualified for however, when my report came back there were about ten accounts with negative history that are not mine. I looked through each account and I did not open any of them. There were also many credit inquiries that were not made by me. I have never allowed anyone to open any account in my name nor did I ever give those companies permission to run or access my credit. I do not know who is responsible for all of these accounts and inquiries that are in negative standing on my credit report but I have already filed a police report and a complaint with the consumer financial protection bureau as I did not gain anything from these accounts nor did I ever contribute to any payments made towards these accounts.
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. ()

On the XX/XX/2021 I had received a payment of XXXX Ethereum coins into my Blockchain wallet. I had wanted to exchnage this into a cryptocurrency called USDT. I sent the XXXX Ethereum, valuing XXXX GBP at the time to another wallet. However, my payment had not arrived. 

I checked the website and it showed my transaction was under review. I read the XXXX XXXX XXXX and there was nothing about placing crypto transactions under review. I have contacted support a handful of times via email and twitter yet I have not received a response almost a whole week later. 

This is causing me to lose money
Consumer complaint received 2022-07-31
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Tower Loan of Mississippi, Inc. (LA)

On or about XX/XX/2022 my account was breeched and my HIPPA privacy was affected. My personal information was given to gentleman ( my ex ) in regards to how much money was given to me and the fact that I was behind due to XXXX  XXXX. This not only caused emotional distress but the local police had to be called to defuse the situation. It has caused unnecessary stress to the point I had to see my XXXX.
Consumer complaint received 2021-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

Hello, I received a letter from Jefferson Capital stating I owed {$340.00} from XXXX XXXX. I was very suspicious as I only used XXXX once, not for that amount or near it. 
I contacted chat support and they confirmed that this was not mine, I had no debt and that they do not even use this company. I am not sure if the company is at fault ( Jefferson Capital ) because there was no way to get in touch with them other than postal mail, and that is not easily tracked, and their phone system was not working ( my account number was not working ) though when I did put my account number ( from them ) in their system online, it did show up with my personal information! That being said, I could not contact them that way either - only to pay the alleged bill. 
So, I have proof ( screenshot ) that I do not have a debt nor ever did with XXXX. 
This is identity theft and I need it addressed and not to be on my credit. 
Date of letter XX/XX/XXXX though I received it on XX/XX/XXXX Amount : XXXX Debt Description : XXXX XXXX XXXX confirmed this is not mine at all* They gave me the option to dispute but I can only use postal mail or phone, both of which are impossible for me to properly track in a timely manner. 

Help! 
XXXX XXXX
Consumer complaint received 2022-07-31
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: Experian Information Solutions Inc. (IL)

I went to the car dealership they said they would do one company that I was pre approved for and they applied for these accounts without my written consent : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Consumer complaint received 2022-04-25
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)

XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate I will continue to send complaints until equifax and XXXX XXXX follow the Consumer law