davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/22 XXXX Wells Fargo came under the conclusion that my bank account would be canceled due to fraudulent charges and activity that was made on my account when I was out of town and someone had broken into my apartment and taking my debit card and deposited checks and also withdrew from the ATM my account was negative {$400.00} when they close my account and they are holding me fully liable for the overdraft charges and practically said sorry but we can see on the video it's not you withdrawing or depositing any checks but we're still going to judge it as me giving that person my PIN number so they can defraud my account I feel that they're determination of the situation was false it wasn't me that did those transactions but they still seem to blame me for it and left me high and dry owing them money even though there was a lot more than {$400.00}. XXXX taken from me out of that account very disappointing.
Consumer complaint received 2020-11-13
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. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX CARD. The dates were XXXX, XXXX, XXXX XXXX/XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX/XXXX  XXXX my income was affected due to the COVID-19Pandemic shut down. I am in the middle of moving and this late mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Consumer complaint received 2023-01-20
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. (NV)

I sent the Credit Bureaus letters on XXXX asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 
In accordance with the Fair Credit Reporting 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


If, after any investigation 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 investigation ; and Here is the accounts : XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account
Consumer complaint received 2023-01-20
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: Mr. Cooper Group Inc. (CA)

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX Date Opened : XXXX  Balance : {$0.00}
Consumer complaint received 2020-11-13
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. (TN)

Collection account from XXXX XXXX XXXX in the amount of i {$640.00} appearing on my 3 credit reports under the name XXXX XXXX, which I have never been known by. On XXXX, I disputed the account and Experian closed the dispute stating that the account remains unchanged. I contacted the collection agency and requested information on the account, which included a letter showing that there is no balance to report. On XXXX, I provided additional information in response to Experian, which included the letter from the collection agency, but again the dispute was updated on today XXXX as accurate with a now past due balance of $ XXXX.Experian has failed to investigate and review the documentation that has been submitted proving that the account should not be reporting on my report and should be deleted.
Consumer complaint received 2023-01-20
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. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXXXXXX Balance : {$9000.00} ; XXXX XXXX XXXX : {$3900.00}
Consumer complaint received 2023-01-20
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: FAIR COLLECTIONS & OUTSOURCING, INC. (NE)

I have a negative collection not reporting to all 3 credit bureaus and would like to get them removed since they're not reporting correctly to all 3 bureaus the name is XXXXXX/XX/XXXX account number XXXX balance XXXX and date Open is wrong
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TN)

I had an auto loan and we were charged an outrageously high amount for XXXX coverage then literally watched others pay very little for more coverage. The vehicle ultimately ended up being repossessed bc a lot of fees were incorrectly applied and charges were ridiculously high compared to other banks.
Consumer complaint received 2023-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

Good Day, Paypal permanently banned my account last XXXX XXXX XXXX I'm using my paypal business account with merchant ID : XXXX for receiving payment from XXXX XXXXXXXX XXXX  and i don't have any disputes in my account and i believe i don't have any violation either. I'm still hoping my account will be restored. Thank you and god bless.
Consumer complaint received 2023-01-20
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. (CA)

I sent a letter on XX/XX/XXXX to remove these items : 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the items are UNKNOWN to me. please remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.
Consumer complaint received 2023-01-20
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-20
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: AMERICAN EXPRESS COMPANY (SC)

I CALLED American Express SEVERAL TIMES AND TOLD THEM SEVERAL TIMES IN XXXX XXXX AND XXXX THAT A CARD WAS OPENED IN MY NAME AND COMPANY AND EVEN SENT POLICE REPORT TO THEM AND THE FRAUD DEPARTMENT SAID THE ACCOUNT WAS CLOSED AND I WAS NOT RESPONSIBLE BUT THEY NEVER CLOSED THIS ACCOUNT AND SEVERAL OTHERS.
Consumer complaint received 2023-01-20
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts, inaccurate address and inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts, inaccurate address and inquiries : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (FL)

I keep getting my account flagged for the following National Credit Adjust Balance date XX/XX/XXXX Balance {$370.00} I have tried to reach the company many times they do not answer the agents hang up they will not look into my account. This is not my debt I have not opened any accounts or have been late paying anything for a long time.

They refuse to take this off and they do not want to provide me with any information to prove that it is mine.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

When I have an over draft I get the normal overdraft fee but then everyday behind that I get everything bouncing on top of bouncing all my checks bounce over and over again every week when I clearly tell then when I will be in to cover the check that bounced.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (AR)

I was financed through Wells Fargo on the purchase of a XXXX XXXX XXXX they repossessed my vehicle after it was paid for stating I had defaulted in my payments, they then resold the vehicle and is now trying to collect money from me on balance owed. I spoke with a representative multiple times in regards to them trying to make me pay more than my initial set price. They charged me for gap insurance, consistently added interest, refused to adjust my payments and I in total lost {$13000.00} and my vehicle and they are currently still trying to collect money from me, several times they claimed they never received my payment which I had to track through the postal money order services, they consistently charged me late fees when my payments were not late. I bought my vehicle in either XXXX or XXXX and it was repossessed in XXXX or XXXX. I paid an extra {$1000.00} for an extended warranty which never existed nor was I ever refunded any money at all. The car was purchased in both mine and my fiancees name because they, Wells Fargo required 2 incomes. I paid everything related to this vehicle purchase. I took possession of it on the day it was purchased, I made every payment and maintained maintenance and full coverage insurance with my private insurance carrier throughout the entirety of the payments. I have suffered a complete and total loss of over {$13000.00}. I've never been contacted by anyone from Wells Fargo in reference to compensation for my loss.
Consumer complaint received 2023-01-20
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. (CA)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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. (MS)

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. 

( XXXX ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX  ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( XXXX  ) for the account opened XX/XX/2021 with account number XXXX. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX ) into the ( FTC Federal Trade Commission ) for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Consumer complaint received 2023-01-20
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. (NY)

Consumer reporting agencies XXXX, XXXX, experian, XXXX and XXXX have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. IncomXXXX can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. 

Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-20
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. (NY)

Consumer reporting agencies XXXX, equifax, XXXX XXXX  and XXXX have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. Income can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. 

Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.
Consumer complaint received 2023-01-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (PA)

I sold my house in XXXX California in XXXX. I had a loan for XXXX to fix my home and sell it. I paid everything off. The loan on my house and the additional loan. XXXX XXXX XXXX XXXX XXXXXXXX but my Aunt received a bill for XXXX. I couldn't do anything because I was XXXX Wells Fargo ruined my credit. Not until XXXX has my credit been restored. I paid everything off. Then get a bill for XXXX.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

Well when I had Wells Fargo back in XXXX  I had a lot of problems like, questionable fees that they couldnt give me answers about, somehow over time like XXXX dollars of my money just disappeared and the only thing that they could tell me that they was working on it, and I never got a response. So I end up closing my account cause they tell me that I had owed them money, when they took all the money from me.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (DC)

XX/XX/XXXX I opened a Citibank checking account. I initiated this account over the phone and transferred money from my other bank accounts. I wanted to receive the cash bonus promotion they were running. 

XX/XX/XXXX After having the account open and using it for a couple months, I received a letter dated XX/XX/XXXX that stated after a recent review, it has been determined that we can no longer service your accountit will be closed within sixty days from the date of this letter. 

I had {$62000.00} in the account at the time of closing. 

I called on the phone and was told is was closed due to fraud. I was told I would receive a check in 30-60 days. They couldn't provide any more information. 

XX/XX/XXXX I went into a local branch and they called for me. They did not get more info on why it was closed but asked someone to expedite a check for the money that was not under investigation. 

XX/XX/XXXX I received a check in the mail for {$57000.00} with no letter or explanation. There is still {$4800.00} that they are holding. 

XX/XX/XXXX, XX/XX/XXXX I reached out again and was told that it was still under investigation and to wait for a letter. 

XX/XX/XXXX I still had not received a letter. Went to local branch and the XXXX called the back office. He asked about what happened to the {$4800.00} that is missing. At first the person said {$2800.00} was put in the Citi sub-ledger. When we told them how much was actually missing, they changed the number to match the {$4800.00} amount. 

We were told there were fraud abuse credits. However, I can account for each transaction on my account and there is no fraud. I was told again to wait for a letter. 

XX/XX/XXXX I received a letter that said we do not have enough information to complete your research. 

XX/XX/XXXX I went into local branch again. The called the back office again and I was told that the {$57000.00} was all that I was due. The other amount was put in the general ledger. They could not tell me why.