davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (VA)

On Wednesday, XX/XX/2022 I deposited a cashier 's check written from XXXX XXXX  to my Wells Fargo checking account in the amount of {$38000.00}. Prior to deposit, I verified XXXX different times with the teller that there would not be a hold on this check. She checked the bank system and noted " the system does not recommend a hold on this ; {$400.00} will be available today and the remaining {$38000.00} will be available tomorrow. '' The next day, XX/XX/2022, all of the funds were present and available in my account. After double checking availability of funds, I proceeded to make a payment to an auto loan servicer in the amount of {$38000.00}. 

On the morning of XX/XX/2022, I received an email stating my checking account had a balance of - {$38000.00}. I called the bank as soon as I could and checked on the matter. After explaining my concerns/situation, the banker at a local branch informed me that a hold was placed on the funds " after the fact '' because Wells Fargo had not yet received funds from XXXX XXXX  XXXX XXXX they had hoped ''. I informed the banker of my conversation and clarification with the teller on the day of the deposit and asked how this issue of not receiving funds from another bank was deemed a customer issue. I asked the reasoning behind a hold " after the fact '' and also asked why if there was to be a hold, why I was not notified. He then stated " someone had been in contact with XXXX XXXX  '' but there had not been any answer from them regarding the availability of funds at this time. This was a cashiers check and had been through a verification of funds prior to XXXX issuing the check to the individual who wrote it to me. 

I was instructed the only options were to make a transfer to cover the negative balance of - {$38000.00} ( which was not an option ), or to wait until the hold period was over on Monday XX/XX/2022. I asked about the timeline of the hold and he stated it was to be a XXXX day hold starting Monday XX/XX/2022. This is starting XXXX days after the deposit on which I was told there would be no hold. I inquired about waiving fees that would ultimately be incurred due to this bank-to-bank issue, and he stated " once the hold period is over, we can see which fees we are able to refund ''. I then asked at what point the customer is to be responsible for bank-to-bank transactions of this nature and he stated customers were not responsible for them. He informed me he would escalate this issue appropriately and I would receive an email with an escalation complaint number and hear from " someone in the escalation department within a few business days ''. 

This type of issue between banks is not acceptable and should NEVER reach the customer 's bank account ; especially after funds had been available for days prior.
Consumer complaint received 2022-09-20
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: EQUIFAX, INC. (NJ)

I XXXX XXXX have incorrect personal information showing on my credit report. 

This letter is a formal complaint that you report inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. 
It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fare credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC1681. 
Account name Transunion, XXXX, XXXX have violated my rights. 
15USC1681 section 602A states that I have the right to privacy.

15USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1681C. ( A ) ( 5 ) section states no consumer reporting agency will make any consumer report containing any of the following items of information, any other adverse items of information other than records of conviction of crime which antidate the reporting by more than 7 years.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is not a duplicate complaint and I represent myself by myself. I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Remove Inaccurate Information from my Credit Reports. Account # XXXX Date : XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is entirely accurate and correct. The following information, therefore, needs to be re-investigated. 

Account : # XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is as a result of this requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-10-13
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. (GA)

I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO XXXX THESE ACCOUNTS ACCOUNTS XXXX XXXX  # XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-01
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2022-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Security Credit Services, LLC (CO)

This letter is in response to your recent claim, in which you claim I owe {$9100.00}. 

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 

Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 

I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 


*** Also Note - I was not properly served.
Consumer complaint received 2023-03-29
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. (WA)

Account Name : XXXX XXXX XXXX Account number : XXXX Account type : Charge Card Date opened : XX/XX/XXXX Status : Open. {$10.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX XXXX : {$55.00} Balance updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (MD)

hello my name is XXXX XXXX and I had all my government benefits direct deposited to my cash app account and on XXXX I turned my self in and went to XXXX  and I turned my phone off and on XXXX three transactions were made on my cash app account by this person who I don't know with the cash tag of $ XXXX and the transitions were two payments for {$1000.00} dollars each and one payment for {$170.00} dollars on XXXX I was released from XXXX  and I was forced to get another cell phone and start another cash app account because cash app refused to grant me access to the old account that I had with the old phone number of XXXX and the cash tag of $ XXXX so for months I continued to consistently worrie cash app and beg them to switch my old account over to the new account that I had created with the cash tag of $ XXXX so I was able to convince someone Todo switch the accounts and me access on XXXX and once I looked inside of the account I saw where all my government benefits were transferred from my account to this person who I don't know or ever met with the cash tag of $ XXXX so I immediately called the police and filed a police report with the local police department and I filed a dispute with cash app concerning this illegal transactions and I provided proof that I was in XXXX  when all this took place and I told them that my stimulus check was stolen and my monthly social security XXXX check was stolen as well so I contacted the states attorney office where I live and filed a complaint with them as well about this unauthorized activity meanwhile cash app response to my dispute was denied and I was told that I knew about the transactions and I kept trying to tell them and I provided proof to them that I was XXXX  when all this took place so I've appealed the decision of me being denied and I'm getting frustrated because I really did not have any thing to do with any of these wrong doings so now I'm losted I've enclosed copies of all corrospondance and all the documents that I've provided to cash app to show and prove to them that I played no part in this unknown person hacking in to my account and transferring all my government benefits out my account.
Consumer complaint received 2022-11-07
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)

Both XXXX and Experian have violated my rights by reporting inaccurate information on my consumer report. I have made several attempts to have them delete these wrongful listed items, but they did not do anything. Meanwhile they say the accounts have been verified but XXXX has removed them because they are inaccurate and can not be verified. So how can XXXX and Experian verify these accounts Remove all accounts : 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 DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In fact the FCRA laws have been violated : 15 USC 1681 Section 602 that states i have the right to privacy 15 USC 1681 Section 604 Section 604 A Section 2 : - consumer reporting agency can not furnish an account without written instructions.

15 USC CODE 1681a - Definitions : rules of construction - Exclusions- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

IRS confirmed Charge off as taxable income and written off by the creditor. Therefore, it is income that has to be reported but is not reported on a credit report.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX 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 company- without 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 some accounts. 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 reports no consent is fraud.
Consumer complaint received 2022-10-13
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. (GA)

I AM A NATURAL PERSON I AM A LIVING HUMAN BEING I HAVE RGHTS UNDER 15 USC 1681 XXXX IS GOVERN BY 15 USC 1681 AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNSH THESE ACCOUNTS 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 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (FL)

American Express canceled my platinum card without any warning. They provided no explanation why the card was canceled. They stranded me in a foreign country where I needed the card to pay basic expenses. This caused me significant difficult. To this day I have no idea why they canceled my card, when they canceled, how they were able to do this without my authorization or why. This card has a significant annual fee, Amex owes me a refund of this fee for loss of use of the card. I have no idea where they sent the replacement card or why. I did not receive it.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXXXX/XX/XXXX