davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX, I was contacted by a man named XXXX who claimed he was with XXXX XXXX, and that if I did not pay the bill immediately, electricity would be shut off within an hour. My husband had all of our bills in his name and passed away XX/XX/XXXX. I have had difficulty capturing all of bills and assumed I had missed one. He proceeded to walk me thru the Wells Fargo app to make the past due payment via XXXX. The first amount was XXXX. XXXX then claimed that it did not go thru and sometimes their system rejects payments with any cent value at the end and had me try again with the flat amount of XXXX. He then claimed that also did not go thru and now had me enter another transfer for the amount of both transactions ( I was in my car and did not check his calculations ) stating this is how they would be able to refund me the payments that hadn't gone thru since it was showing as pending from my checking account, in the amount of XXXX. That also 'did not go thru '. 

At this time I was transferred to a 'supervisor ' who proceeded to have me follow the same steps. The amounts were an additional XXXX, XXXX, and XXXX equaling a total of {$3400.00}. They assured me that all of the money would balance out because they were not 'posted ' transactions and all of the extra charges would drop off. 

I happened to be driving my Husbands ashes home while this all took place. I got home and looked thru our bills and we dont even have XXXX ( which is for houses/gas ) and actually have XXXX XXXX for our electricity. I immediately called Wells Fargo and filed a claim on all all 6 transactions. I was given a provisional credit for the total amount while they processed and investigated the claim. On Wednesday XX/XX/XXXX I received a letter from Wells Fargo stating that they are denying the claim due to me logging in to the Wells Fargo app via biometrics and making the transactions myself. 

I called WellsFargo to dispute the denial and they stated the claim decision was final. I contacted my Lawyer who suggested the MN Attorney General, and they pointed me to the Federal Trade Commission where I did file a complaint ( Confirmation # XXXX ).
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

My student loans were paid in full as of XX/XX/year> and on my experian credit report it is still showing a XXXX balance... I have submitted proof as well as letter from XXXX saying it is paid in full and nothing has changed I have disputed this XXXX already and have gotten no where.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2023-05-22
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)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Greetings, CFPB. I am reaching out to you guys today regarding two of the three credit reporting agencies ( Transunion and XXXX ). I also reached out to XXXX and Transunion letting them know that these accounts doesn't belongs to me, but no action was taking by them i really don't know what type of business they're running at XXXX and Transunion, they've just been stalling this for about 2 months and counting now. I am not liable for this debt with XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), I do not have a contract with them, They did not provided me with the original contract as i requested. This debt collector ( XXXX, also know as XXXX XXXX XXXX XXXX XXXX XXXX, also know as XXXX XXXX XXXX XXXXXXXX ) engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  Account # XXXX has violated my Rights. 
15 US Code 1681 c2a consumer reporting agency shall block the reporting of any info in my file that I did identify as a reusult of identity theft no later than 4 days after the receipt.

it has been over 30 days and you are in violation of this law because I am a victim of identity theft.

I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. NO Consent IS IDENTITY THEFT, As a consumer i am demanding deletion immediately
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

Complaint ID XXXX Hello Spoke yesterday with a gentlemen and went over my complaint situation with him and the response I received from American Express, that had no information about my complaint, or how they were going to resolve it. 
Receiving all my statements from American Express, since 2015 does me no good, as my complaint is how they are XXXX XXXX XXXX about when my bank says American Express received my last payment/funds and when they say they got them and applied them to my account! 
Now if they are " attempting to do this to my account ... What are they doing to others of their customers here in the United States? 
If they are just billing others the same way, it is really fraud and I am sure an illegal act! 
See my paperwork sent in from my bank, XXXX, and American Express said receipt of my payment funds. 
They do not XXXX 
I hope the CFPB gets to the bottom of this improper billing and the situation behind it ... for myself and other Americans and how American Express could be fleecing Americans. 

Thank You, XXXX XXXX
Consumer complaint received 2021-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX I purchased a digital product for {$8.00}. I was charged {$2000.00}. I immediately filed a dispute with my credit card company as well as the Merchant. 

The Merchant stated they only ever received {$8.00}. The credit card company has acknowledged that this is correct. 

The credit card company has still not fixed this and every time I try to follow up I have to start from the beginning. Sometimes they put me on hold and eventually disconnect the call. I tried to contact the dispute department again today ( XX/XX/XXXX ) and was put on hold and then hung up on. 

I have done everything I have been asked. I do not know what more I can do.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I sent a letter to Experian to see why they are reporting information to credit card companies that is not being reported to me. 

Both my credit cards and XXXX  report obtaining information from Experian that is not showing up on my credit report. 

They are being told that I have " Proportion of loan balances to loan amounts is too high ''. 

I received a notice back saying that I didn't provide enough information. 

When I called, I spoke to customer service, XXXX, XX/XX/2021 at XXXX am., she was rude and ignorant and told me that Experian will not explain why that is on my credit report ... and they will not explain why they randomly drop my credit score on XX/XX/2021 by 23 points. Instead of disclosing to my why that happened, they tell me I need to hire a third party to review my credit report to tell me as if I'm too stupid to see that the only thing that changed from last month to this is that I paid off a {$400.00} balance on a credit card. The fact that Experian is allow to abuse people and randomly with out explanation drop my credit score by 23 points should not be legal. 

So, in summary, Experian is giving info to credit card companies that is not on my credit report and not being shared with me and they are, without explanation, randomly dropping my credit score by more than 20 points. This has happened several times in the last year and should be criminal to cause harm to people to such an extent.
Consumer complaint received 2023-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CO)

I utilized the Federal Trade Commission Identity Theft website to generate and send a letter to the collection agent stating that charges made to the account ( s ) in question were the result of fraud/identity theft. In accordance with the FCRA, and as clearly outlined in the letter ( s ) sent on XXXX XXXX XXXX the following was requested ( and ignored ) by the collection agency, specifically : " I have enclosed a copy of the Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks.

Please send me copies of all records relating to the account, including : - Account applications made on paper, online, or by telephone - Account statements or invoices - Records of payment or charge slips - Delivery addresses associated with the account - Records of phone numbers used to activate or access the account - Signatures on applications and accounts - Investigators report Please send me a letter explaining what you have done to : - Inform the business where the account was opened that the debt is the result of identity theft - Stop collection activities against me - Stop reporting information about the debt to credit reporting agencies- If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft - Provide me with the records I request '' To date, the collection agency has ignored these requests and have failed to provide any documentation requested, or cease collection activity against me for the two accounts they currently hold. The debt ( s ) are, as of XXXX XXXX XXXX still reporting as owed and no notation has been made by creditor or the reporting agencies to specify that these charges were the result of fraud/theft. The collection agency in question continues to contact me in an attempt to collect a debt that I do not owe and did not authorize.

To date, the collection agency and their attorney/servicer have been provided with : - FTC Identity Theft Report - Proof of Identity - Notice to Furnishers of Information
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (DE)

I was purchasing a puppy which was {$900.00}. I sent the money from my XXXX  XXXX XXXX app through Zelle to the person I was making a purchase, but within 8 hours I did not receive further communication. I called XXXX  and told them I thought I was scammed, and fraud happened. They opened up a dispute case for me. The scammer then sent the money from XXXX to XXXX. XXXX  XXXX XXXX come back and say they can not get my money back from XXXX XXXX, which houses the fraud account used to steal hundreds of thousands. It seems like these banks are promoting theft and fraud and they do not do anything about it as a consumer, this is not fair. I can not believe the government would allow banks to operate this way. You think your money in a bank is protected but I can see they are not. This was the 1st time I used Zelle, and I assume I was protected because I used it in my bank app. XXXX  has not even followed up with me since I submitted a dispute case. Why is Zelle allowing so much wire fraud and scams to occur without doing anything about it?
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Made an internal account transfer from my Bank of America checking account to my Bank of America credit card account and this occurred instantly - lowering my balance in my checking account, and increasing available credit in my credit account. 

Days later, this action was reversed and I was charged a {$29.00} returned check fee on my credit account. Looking into it, Bank of America reorganized my transactions so that purchases made AFTER I made the internal account transfer posted before in order to cause my account to go negative. However, this is not how it ever appeared to me as I monitor my account multiple times a day ( unemployed during COVID, need to make sure everything is completely right ). 

To make matters worse, a day later they closed my credit account and have not told me why. I've called and spoken to multiple people, and spoken to their Social Media team and all they've told me is that they mailed out a letter. 12 days later and I still have not received this letter.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

I was contacted by XXXX XXXX stating I was approved for a loan and for good faith I needed to purchase a gift card for All things XXXX because she deposited a mobile check in my account. I verified that the check was actually deposited in the amount of {$490.00} she stated that I needed to purchase the gift card and take a picture with my phone and send it to her, in which I did. She then called me again and said that by mistake she sent another check. I told her I didn't receive another check from her on XX/XX/XXXX. She said I still needed to purchase another gift card and I told her I would not do that. The next morning she called me and said I should check my account which I did and the other check for {$490.00} was in fact there so I did what I was asked to do and purchased another XXXX gift card. She then called and said I needed to pay a funding fee for the loan and I told her to take the fee out of the loan proceeds and she said she couldn't do that and that is when I realized it was a scam. I am trying to get back the {$1000.00} I paid to this person who said she was from XXXX XXXX XXXX which I looked up before I did anything to make sure I wasn't being scammed and it is a legit company. I have been denied twice from Wells Fargo to get the {$1000.00} back. I am the one that notified Wells Fargo that it was fraud on my account and they didn't notify me until XX/XX/XXXX that the checks were fraudulent.
Consumer complaint received 2024-09-19
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. (OH)

My information may have been impacted by the XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, XXXX XXXX XXXX ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists
Consumer complaint received 2024-09-19
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. (CA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXXXXXX XXXX Account # XXXX Account name : XXXX XXXX # Account # XXXX Account name : XXXXXXXX XXXX Account # XXXX has violated my rights. 

I reviewed my XXXX, XXXX and Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.
Consumer complaint received 2024-09-19
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. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-12-04
Product: Credit reporting 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. (PA)

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 The following personal information is incorrect. Please remove it from my credit report
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, DEPT OF EDXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, U.S. DEPARTMENT OF EDUCATION Account # XXXX, XXXX Account XXXX XXXX XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, US DEPARTMENT OF EDUCATION Account # xxxxxx XXXX, XXXX  Account XXXX XXXX XXXX, XXXX XXXX XXXX  Account # xxxxxxxxx XXXX, XXXX LXXXX XXXX  Account XXXX xxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxx XXXX, XXXX XXXX XXXX Account XXXX xxxxxxxx XXXX, DEPT OF EDXXXX Account # XXXX XXXXXXXX, DEPT OF EDXXXX Account # xxxx XXXX, DEPT OF EDXXXX  Account # XXXX XXXXXXXX, DEPT OF EDXXXX Account # xxxxx XXXX, DEPT OF ED/XXXX Account # XXXX  XXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX, DEPT OF EDXXXX Account # XXXX , US DEPT OF EDUCATION Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX & XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXX XXXX XXXX/ XXXX  Account # XXXX, DEPT OF ED / XXXX Account # XXXX, DEPT OF ED / XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # 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