davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-12
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/2021. I received a phone call from what I thought was Wells Fargo. The caller Id on my phone said Wells Fargo. It was the same number that is on the back of my debit card. The caller stated he was from the fraud department at Wells Fargo. He said we were on a recorded line. He then stated someone was trying to add themselves to my XXXX account. He said Im going to send you a code plz repeat the code back to me.He said it was to verify I was who I said I was. I asked him, how could someone get into my account to add themselves. He said if you use public WiFi its possible. He gave me the persons name who was trying to access my account. XXXX XXXX. He said they were also trying to set up wire service to a bank account with XXXX XXXX Bank. Then he stated you need to change your password every so often. He said Im going to send you authorization to do so. Ever time he said Im sending you something it came through so I thought he was with Wells Fargo. Who else could send you codes. Every code came from from the Wells Fargo link. Why would I think it wasnt them. He also stated your going to get delayed emails and text from the automated system. You can ignore those because we are already in the process of stopping in further this transactions. He sent me a total of 3 codes. By doing this he was able to change my password, add someone to my XXXX account, and add wire service to my account and authorize {$5500.00}. To be wired to the account he claimed someone else was doing. After so long the call dropped and I got another call from Wells Fargo. It was a lady asking me about a wire transfer authorization for {$450.00}. I told her I just spoke with someone from Wells Fargo. She said yes, I see you just authorized a wire transfer for {$5500.00}. I said no maam I did not. She said you need to go to the bank immediately. So I did. When I got there I spoke with a banker. She was able to pull up my account info and shoe said she saw the transaction pending, bit couldnt stop it. She called the fraud department from the bank and they said the same thing. unfortunately wire transfers done online cant be stopped.The banker advised me to close my account and open a new one. They started an investigation. I have followed up with Wells Fargo about returning my funds and Ive been told my claim was denied. Then they reopened it to do further investigation and as of today Friday, XXXX XXXX. XXXX still waiting to hear from Wells Fargo. Ive been with Wells Fargo for 17 years and Ive never had any problems like this. They never even offered me any kind of Provisional Credit or any kind of extra assistance. Ive spoken to several people in the ACH department and no one seems to that Ive been a loyal customer for 17 years. I filed a police report with the XXXX XXXX XXXX police department. I have also filed complaints with several other governments departments. Thank you for your time.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/XXXX, my wife 's purse was stolen. We reported the theft to our credit card companies, and let them know that any charges from XX/XX/XXXX on were fraudulent, unauthorized charges, and that we had a police report for proof of the theft. All creditors, with the exception of Commenity/My BJs Perks card, promptly removed the fraudulent charges and mailed us replacement cards. We called Commenity on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to follow up in the status. Twice we were told they couldn't access the account, as they were having company wide issues, and that they would report the fraud, remove the charges, and send us new cards once they were able to access our account. Finally, on the last call, we were told that they were able to access our account, that they would mail us our new cards ( only received one card ), and that the fraud team would look into the report and remove the charges. When asked what to do about the charges on our account, as the due date was approaching, we were told to pay only our charges, or pay the entire amount ( fraudulent charges included ) and request a reimbursement. We have still not heard back about the unauthorized charges, and they are still on our account a month and a half later.
Consumer complaint received 2022-01-19
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Consumer complaint received 2022-08-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Securus J Holdings, LLC (GA)

I filed a new complaint that was closed for no reason. AGAIN, I received " RESTRICTED '' calls from a representative from " XXXX XXXX '', XXXX XXXX he stated as his name. I asked for his I.D./identification # and he refused to disclose. XXXX, then proceeded to discriminated against Me when I asked to speak with his supervisor about this allege debt. I asked for a remedy, in which I want a full " REFUND '' with the rights to the SECURITY INTEREST AS WELL! CFR, T.I.L.A.U.S.Code provides that remedy for Me as the Natural person, Consumer! XXXX XXXX continued to provide false, misleading, misrepresentation and denied Me validation of that debt! Which is another UNITED STATES CODE VIOLATION! He use of obscene and offensive language. I am damage emotionally, physically, financially, and XXXX I have loss place of abode and transportation. And again, another violation. the Penalty is {$10000.00} XXXX fine and could be up t0 20 years in prison for these crimes XXXX XXXX has violated.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I placed a freeze on my credit report with the XXXX major credit report companies ( Experian, XXXX and XXXX ) when XXXXXXXX XXXX  Staff information was breached back on XX/XX/2021. 

Now, I did lift the freeze on all three credit report companies because I am applying to lease an apartment here in XXXX XXXX. However, the leasing office of the XXXX rental management companies I applied for are saying they can not check my credit. Hence I could not lease none of my chosen apartments. I live in the great XXXX XXXX area and availability on good locations are short and expensive. 

I was successfully on contacting and speaking with a specialist at XXXX and XXXX. they were able to verify if there was anything else preventing the leasing office of checking my credit. 

However, I have not been successful talking to a human over the phone. Just the automatic service. Which has very limiting options. 

As I don't know if Experian has anything sill blocking a legitimate rental management of checking my credit, I don't know if I am able to rent an apartment.
Consumer complaint received 2022-06-27
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. (VA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX all of the above XXXX have violated my rights. 
15 U.S.C 1681section 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 an account without my written instructions.
Consumer complaint received 2022-06-14
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-04-16
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. (OH)

RE : Formal Notice of Non-Compliance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Guidelines To Whom It May Concern : I am writing to express my deep dissatisfaction and concern regarding the continued presence of inaccurate negative items and unauthorized soft and hard inquiries on my credit report, despite my previous demands for their removal. Your failure to comply with the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX reporting standards is unacceptable and demonstrates a blatant disregard for my rights as a consumer. 

As previously communicated, I have identified inaccuracies in my credit report, including but not limited to negative items and unauthorized inquiries. In accordance with the FCRA, I am entitled to a fair and accurate representation of my credit history. Your non-compliance with these regulations has caused significant harm to my credit score and financial reputation. 

Your organization 's failure to rectify these errors after receiving my initial notice and demand for removal raises serious questions about your commitment to consumer protection and compliance with the law. Your inaction has left me with no choice but to consider escalating this matter, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under the FCRA. 

I hereby demand immediate action to remove all inaccurate negative items and unauthorized soft and hard inquiries from my credit report. Failure to comply with this demand will result in the initiation of legal proceedings against your organization for violations of the FCRA and any other applicable laws. 

To prevent further harm to my credit standing and reputation, I insist that you undertake the following actions without delay : Conduct a thorough investigation of my credit report to identify and remove all inaccuracies, including negative items and unauthorized inquiries. 
Provide written confirmation of the removal of these items from my credit report as soon as the corrections have been made. 
I urge you to take this matter seriously and prioritize the correction of my credit report to avoid further escalation. I expect a prompt response and action on your part to resolve this issue and restore the integrity of your credit reporting processes. 

Should your organization continue to disregard my rights under the FCRA and XXXX XXXX guidelines, I will not hesitate to pursue all legal avenues available to me, including seeking compensation for damages, statutory damages, punitive damages, and reimbursement of attorney 's fees and court costs. 

I trust that you will treat this matter with the urgency it deserves and take immediate action to rectify the inaccuracies in my credit report. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB )
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

XXXX XXXX, the original creditor, sent me a letter stating that they performed an investigation and found that I am not responsible for any previous or further balance on any accounts with their company. The accounts ( 2 of them ) associated with XXXX  XXXX were not opened by me yet they are both showing up as collections on all 3 credit reports and still being reported by the 2 debt buyers ( Midland Funding & XXXX XXXX XXXX ). Neither should be there ( ever ) and I'd like them REMOVED ASAP! Not showing as " closed '', not as " collections '' - all traces REMOVED COMPLETELY! I will attach the letter from XXXX XXXX admonishing me from all responsibility on these accounts.
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. (IL)

In accordance with the Fair Credit Report Act XXXX  account number # XXXX XXXX XXXX XXXX XXXX and account number # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

Also the listed inquiries that have been listed 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, has violated my rights. 


15 U.S.C 1981 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 an account without my written instructions.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reporting inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. 

Please do not delete my credit report as this is a request to correct certain error on my credit report that I am pointing out to you. 

I take my credit report status very serious as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. 

Please review and correct or review and delete the inaccurate information asap.
Consumer complaint received 2022-02-18
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. (GA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the XXXX and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX {$5400.00} XXXX XXXX {$0.00}
Consumer complaint received 2022-08-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. 
XXXX Account Number : XXXX Please remove this form my Credit report 2. Mistaken Identity /does not belong to me XXXX XXXX  Account Number : XXXX Please remove this form my Credit report 3. Mistaken Identity /does not belong to me XXXX XXXX XXXX Account Number : XXXX Please remove this form my Credit report 4. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to authorized this inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to authorized this inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11.The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 12 XXXX The following personal information is incorrect Account Number : XXXX : XXXX XXXX 13. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-08-22
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. (AL)

In accordance with the Fair Credit Reporting act 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 2022-08-22
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)

Im sending this complain to inform you department that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am athis complaint myself. Please see this complaint is processed to the letter of the law. 


This account/ item is unknown to me. Also, the information you provided on this account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$520.00}
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX81-5 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

I made a payment on XX/XX/2022 that paid off the loan. XXXX XXXX ( LoanCare ) recorded the final payment on XX/XX/2022. To date 3 weeks later ( XX/XX/2022 ) the final payment of $ XXXX has not been applied to my loan and is sitting in a suspense account. I have tried again and again and again to get XXXX XXXX ( LoanCare ) to record the payment and they refuse to do so. they claim many reasons but it has been 3 weeks already. Every time I call I get a different story. 

In addition XXXX XXXX ( LoanCare ) has sent me two different payoff statements. Each is incorrect and XXXX XXXX ( LoanCare ) has confirmed that the payoff statements are incorrect. They charged me for both of the incorrect statements.