davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (MI)

After using the money transfer service Wise ( formerly TransferWise ) for more than five years, with my bank account at XXXX Bank, it has recently become impossible to do any transfer, while attempting to do so on a numerous occasions, my money is being held by Wise for a few days, then refunded to my account at XXXX. I have not received any meaningful support from Wise representatives.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-04-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (VA)

LoanMe is deducting twice out my checking account under the LoanMe name and XXXX XXXXXXXX XXXX. I was behind and had no alternative but to take out a loan in XXXX but the rate was 165 %. That rate should not have been charged in XXXX. I am Constantly being called by collections to make XXXX month payment arrangements for large amounts I can not afford. I have already paid over {$3000.00} that they say is only interest.
Consumer complaint received 2023-03-17
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or companywithout my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating this account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXX XXXX XXXX Date opened XX/XX/2018 Balance : {$32000.00}
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX continues to put negative information on my credit report for a property on a mortgage that was foreclose in 2011, this has come to light now that I am trying to purchase a new home in my credit report, further more they have sent me a 1099 - C that now is causing me a big financial deficit making me pay in taxes over XXXX dollars
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened XX/XX/2020 Balance : {$2400.00}
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

around XX/XX/XXXX. I had a XXXX dollar overdraft. I admit to that. I sold an item, and the lady sent me a check. The lady said Monday the funds will be in, and the check was good. We made a payment, and this was around XX/XX/XXXX. The check was not good, and I had no idea, and Simmons said it was fraud. Then Simmons questioned me like I was a criminal and never asked me for the envelope with the tracking information so they could look into it. So, back to XXXX negative in my account, I could not access online banking, and when I logged in, it said DORMANT. I got an email saying I got an overdraft. Then, a few days later, I got an email stating I got another overdraft. I used the phone number to check my account. Simmons accepted 2 to 4 charges and put them on my account to cause an overdraft, and a day or so later, they rejected them. Simmons Policy states that if you overdraft {$500.00}, Simmons can not add anything else to an account. My account was suspended and it was past 30 days, Simmons added more overdraft fees Simmons committing Fraud. I was about to pay the {$540.00} dollars until they pulled this. Doing this to a customer is illegal, and there are laws to protect people. Customer Financial Protection Bureau will be notified. Simmons added items from paypal that were on auto pay I forgot about and added it in my account to form another overdraft several times and then remove them. They broke the company 's policy. If you have an overdraft at max and something tried to charge that account, it was denied and can't charge. It seems like the fraud Simmons Bank committed against me was to line their pockets. If I did something like this I would be arrested for breaking the law, so maybe someone from Simmons should be held accountable. My resolution is, Simmons pays me {$1000.00} dollars and then deduct the overdraft from the amount and mail the rest to me. That is for committing fraud against me. XXXX XXXX Old account : XXXX Simmons wrote back to the XXXX and never sent me a image of my deposits. After 30 days from an overdraft, nothing can be charged to an account. They knew on my transactions page it shows they accepted these withdrawal and got the overdraft charge, then denied them. Simmons did nothing or have any evidence to prove me wrong.
Consumer complaint received 2023-04-05
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: ID Analytics, Inc. (CA)

I am writing this complaint to SAGESTREAM. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2022-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

Wakefield XXXX XXXX XXXX has continually sent mail to my house in reference to an XXXX Charge from XX/XX/XXXX in the amount of {$130.00}. 

My medical insurance has confirmed multiple times this is covered and was paid through the insurance agency. 

After multiple calls with the debt collection agency we were advised to send a letter with exact information to confirm this in XX/XX/XXXX. A letter was sent but the agency said it was not acceptable and asked for a second letter. A second letter was sent in XX/XX/XXXX. The agency continued to send letters. 

During one of these calls the agent was incredibly rude and advised it was useless to talk to anyone but them.

My insurance company tried to call the dot collection agency and resolve this but another letter was sent on XX/XX/XXXX. The agency will not stop contacting me no matter.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (NV)

My personal information was compromised. On XXXX I was notified by Wells Fargo XXXX XXXX that my credit card was charged {$7500.00} on a website called " XXXX. '' I was also told that my home address was changed and a new card was being sent to the new address on file. I have cancelled the card and Wells Fargo has flagged the card and account as fraud. 
I live in XXXX XXXX, Nevada and the person who committed the fraudulent charges lives in XXXX, New York. 
Through my own due diligence, I was able to obtain the persons name, address, time-line they change my personal info to theirs, their shipping address for the product, as well as getting the order number for the fraudulent purchase. 

Time-line : XXXX ( XXXX local XXXX ) XXXX called Wells Fargo with my information and changed my home address to theirs in NY. 
XXXX ordered XXXX item on XXXX website totaling {$7500.00} [ order number : XXXX ] XXXX was called by Wells Fargo Fraud department on possible fraudulent activity on my card. 
XXXX was flagged, cancelled, and was notified of change of address using my personal information and my moms maiden name. 
I was able to obtain the perpetrator information by gathering information from Wells Fargo, Loss Prevention/fraud with XXXX, and contacting XXXX for delivery information. 
Already contacted NY state police near XXXX, NY and was told to contact and file report with my local XXXX XXXX XXXX XXXX  ( XXXX  ). Have not filed police report yet, as I spoke with XXXX and must come in person to file. 
I strongly believe this fraud was done internally within Wells Fargo. They only changed my home address for one credit card and didn't access my checking/savings account, nor the other two credit cards I had.
Consumer complaint received 2023-02-06
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. (FL)

To Whom. It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying I had some identity theft on my credit card, so I want to make sure everything is correct because I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of, which made me write to you all. Also I printed out my XXXX reporting and i have 19 hard inquires i have no idea of i did not give written consent to any of these false inquires. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a ) 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) 1681i ( a ) ( 2 ) 1681i ( a ) ( 3 ) 1681i ( f ) ( 3 ) and 1681 Sec.604A Sec.2 ,15U.S.C. 1692 ( C )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is miss Hard in quires 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
Consumer complaint received 2023-03-17
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. (FL)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OH)

I was in XXXX  from XX/XX/17 until XXXX during that time my account was accessed and funds totalling {$420.00} where withdrawn attempted to resolve through financial institution they said no fraud was committed I was responsible for those withdrawals which of course being I'm due t be XXXX and right now because of that I can not pay my rent am homeless have no food and can not pay my cellphone bill
Consumer complaint received 2024-09-18
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. (TX)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused XXXXXXXX XXXX and defamation of character along with XXXX days of no response.
Consumer complaint received 2023-04-05
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. (CA)

The credit agencies are not reporting items correctly. I am attaching a copy of my credit report. I am requesting this account be removed from my report. It has caused harm. Also remove this inaccurate data from the secondary reporting agencies as well.
Consumer complaint received 2023-03-19
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: DISCOVER BANK (FL)

I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : Discover XXXX XXXX Proof enclosed that my late payment was refunded and it is your companies mistake please delete I talked to a consumer service receptive by the name of XXXX who assured me that this error would be corrected and removed from my credit over 60 days ago and it has not been done. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s Discover # XXXX Proof enclosed that my late payment was refunded and it is your companies mistake please delete Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2023-04-05
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)

I was trying to buy a home and decided to review my Credit report and realized I have lots of damages on my credit report.

According to 15 USC 1681 Law there should not be any damages on my report as this is a defamation of my character.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2022-07-20
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. (CA)

I paid this account in full and requested the account to be closed. This reflects on the credit report. 
After the account was closed, I was charged an Annual Fee on the account. I was unaware of this 'negative mark ' on my credit until I applied for a loan to purchase a home. I want to report fraud by XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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. (NJ)

I noticed a few inaccurate accounts on my credit report so I disputed them and they came back verified. I asked for a description of the investigation according to 15 USC 1681i ( 7 ) and they never did. According to 15 USC 1681s-2 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. This is very frustrating as they are violating my consumer rights. Also these charge off accounts are no longer debt owed IRS states a charge off account is a cancellation of debt and must be reported as ordinary income. I asked for XXXX form and was not provided that
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-04-05
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. (MO)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.