davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (ID)

Wells Fargo has sent me a carbon-copy response on why they will not return funds from fraudulent transactions to my account. It is beyond frustrating how corrupt this institution is. Nearly 3 months into this situation and it has yet to be resolved. They have lied in their responses and when I've brought up countervailing evidence, they do not even address it. The executive office that is making this decision is filled with heartless, greedy individuals who want to take advantage of a young customer. I have done everything in my power to seek a resolution to this issue. They are a multi-billion-dollar organization with millions ensured to protect individuals in my situation, yet they still get so uptight over less than {$6000.00} of fraudulent transactions. They are in blatant violation of Regulation E, and I can not believe that they are being allowed to get away with this. I can not afford to take a hit this bad in these economic times. I am an honest worker who's recently paid off my student loans and needs these funds returned to my account immediately. Wells Fargo continues to ignore the law, tacitly admits it does not care about its customers ' wellbeing or safety and is performing a scam the likes of which I have never witnessed before. I am sending a letter to the Office of the Comptroller of the Currency head XXXX XXXX to explain that this institution is blatantly violating the law and their predatory practices on unsuspecting customers. This is outrageous and it is beyond the point of incompetence ; it is malicious. I am seeking the immediate return of the {$5700.00} that is rightfully mine back to my checking account. I will not stop until that is the final resolution. They can not be allowed to get away with this.
Consumer complaint received 2020-07-06
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2023-01-30
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)

This is my OTHER 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 items 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 items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016.
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (GA)

I have over 20 inquiries on my credit report that I have nothing to do with. This happens every month from all three bureaus. This stay on a persons report for years, and Im not applying for anything.
Consumer complaint received 2020-07-06
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

PLEASE BE ADVISED THAT I AM A VICTIM OF ID THEFT. I AM WRITING TO REQUEST THAT YOU BLOCK THE FOLLOWING FRAUDULENT INFORMATION FROM MY CREDIT REPORT. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO IDEA KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF THE IDENTITY THEFT.6565 According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-12-15
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: CITIBANK, N.A. (NJ)

In XX/XX/2020, I entered into a payment arrangement with Citi to pay off my Citi XXXX XXXX, XXXX, agreeing to pay {$200.00} the XXXX of every month for 60 months. 

In XXXX and XX/XX/2020, I transitioned to a new financial institution, opening a new checking ( and savings ) account at XXXX XXXX XXXX XXXX XXXX XXXX/acct # XXXX ) after a horrific year with my longtime bank, XXXX  XXXX XXXX XXXX XXXX # XXXX ). As part of this transition, I had to complete financial paperwork, change direct deposits, update automatic payments, contact banks, creditors, companies, etc., as needed, to ensure a smooth transition in regards to all my credit, debit/bills. 

Despite multiple attempts, both online and over the phone, I desperately mailed Citi a certified letter on XX/XX/2020 because I WAS ABSOLUTELY UNABLE TO UPDATE MY PAYMENT INFO IN ORDER TO MAKE MY XX/XX/2020 PAYMENT ON TIME. 

As I feared, Citi attempted to draft the {$200.00} payment as scheduled from the wrong account, which did not have sufficient funds. Thus, the payment was returned, and my XXXX Citi payment remained unpaid, in violation of my payment arrangement. 

Subsequently, I was able to go online to my Citi account and update my bank account info and schedule a payment ( only AFTER violating my aforementioned payment agreement by missing my XX/XX/2020 payment, rather than in ADVANCE as required, despite the fact that I expended a massive amount of effort to make it happen!, to no avail! ). This was done on XX/XX/2020. I assumed the payment was thus taken care of. 

The following, which currently remains unresolved, and remains a total mystery to me, is why I was charged numerous overdraft/NSF/returned items fees from BOTH XXXX  XXXX XXXX and XXXX XXXX XXXX, BOTH before and after my payment of XX/XX/2020 ( which would not have been late or returned but for the literal impossibility to receive help from Citi on updating my banking info on a closed account in a payment plan ) and why/how/what/when was actually transacted between Citi and XXXX and Citi and XXXX, because my Citi account only reflects, seemingly, two transactions in attempt to draft payment, while I was charged four fees over a more than two-week period.
Consumer complaint received 2022-12-13
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: Experian Information Solutions Inc. (FL)

I have tried to resolve this issue before and you know that you are breaking the law. Any transaction or experience between the consumer and the person making the report Shall NOT be reported on consumer reports. 

There are four attachments to this complaint. Please take the time to open them up and read them so that we may resolve this issue. There are congressional findings and definitions giving proof that the information about XXXX XXXX shall not be reported on my consumer report. This is very embarrassing to even go through this process, my character is being defamed and my privacy is being seen by anyone who tries to access my credit report. Please have this issue resolved within 4 days. I have already wasted time trying to have this issue resolved and I can not get that time back. 

I will be awaiting your response in the next few days. I am trying to purchase a home and this is slowing me down.
Consumer complaint received 2020-07-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Our Country is facing challenges times and therefore the Consumer financial Protection should step up to the plate and enforce certain provisions that help consumers retain their homes. It is why you exist ( Consumer Financial protection Bureau ), without consumer complaints this organization would be non existent, please take this complaint seriously. 

On XX/XX/2020, BB & T received our request for a loan modification. Pursuant to Federal Rules, upon receipt of financial package servicer 's are to comply with the Federal rules and provide borrower 's notices of acknowledgment within 5 ( five business days ), of receipt. As of today XX/XX/2020, we have not receive any acknowledgment from the servicer. The servicer believes that the Federal Rules do not apply to them. No one is above the law, in fact the Supreme Court recently made this very clear In : District of New  York  v Donald J Trump, ruling. BB & T is NOT ABOVE THE LAW. BB & T must provide the following 1 ) acknowledgment letter 2 ) Notice of process and or missing additional information 3 ) outcome of the request whether is approved or denial 4 ) in the event of denial provide information where to mail appeal. BB & T must comply with the RULES!. Consumer Financial do not just stand here, do your job!.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is not reporting my on-time payments to the credit bureau 's. They have not been updating their reports to the bureau 's as of XX/XX/2020. The last update was sent on XX/XX/2020 which showed my account was past due and delinquent. That information is incorrect and my available balance in below my credit line and payments have been made on time. However, XXXX XXXX is not reporting accurate information nor my payments. They have not reported that the balance is now below the credit line. I've have called several times to get this matter resolved and clarified. But to no avail have I been able to get anywhere.
Consumer complaint received 2023-01-19
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I was sent a letter from IC systems on behalf of XXXX. The letter states that I owe {$46.00} for a XXXX  Lawn Plan that I never agreed to. I've never signed a contract for or agreed to XXXX services. IC systems claim that they've previously contacted me regarding this issue, however, I have never been contacted from either IC systems or XXXX in the past. My name is spelled incorrectly on the collection notice which leads me to believe that IC systems is fraudulently attempting to collect a debt from me.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have submitted multiple requests to Transunion to remove a dismissed bankruptcy from my credit report. They receive their information from XXXXXXXX which contains incomplete and inaccurate information. It also does not provide complete SSN 's. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is their company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$810.00}.
Consumer complaint received 2020-07-06
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. (TN)

Equifax and XXXX are reporting incorrectly that I am an authorized user on the XXXX CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2023-01-19
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. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX  account number XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX account number 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. Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

Dear Sir/Madam : Hi! 
I want to complain about my quick pay service with the chase. On XX/XX/2018, I made three quick pay payments to my friend ( {$150.00}, {$25.00}, {$1000.00} ). The quick pay normally is instant but these are on hold for some time. I got a call from chase to verify the payments and I thought it was done. Three days later, my friend told me that he did not get the payment at all and he already changed his linked account on the quick pay phone number. I have to send him a check with other checking accounts. I called chase and they told me the fund will be reversed in a few days. But I never get a refund. I have to escalate to several levels and even to their executive service for that. Till now, they refused to refund the money back and told me there is nothing they can do about it. 
I have to escalate this to you and hopefully, this could be resolved. 

XXXX XXXX
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I have contacted XXXX  for a year now with disputes - they have not resolved this they only send a generic message - FTCA guidelines etc - which is false and inaccurate. They have a company on my credit report XXXX XXXX  whom I have called and verified they have a totally different XXXX XXXX with a social XXXX which is totally not my social nor information- this clearly shows fraud but yet they keep saying its mine. This is my fia attention before The Law office working in this files charges against them - When calling this company you can not get through it takes weeks - after getting through they before its my name and similar XXXX but not my social or ID!!! They have failed to provide documents that confirm this is me, signed paperwork required by FTCA. I have nothing but false reporting in my report -
Consumer complaint received 2020-07-06
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. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (GA)

15 U.S. Code 1681a - Definitions ; rules of construction. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Accounts : ( XXXX ) US DEPT OF EDU XXXX ( XXXX ) US DEPT OF EDU XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX As the investigation has exceeded 30 days. This a direct violation of the FCRA. Which I have proof through you all stating they have completed the investigation.
Consumer complaint received 2020-07-06
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. (TX)

FTC Violations Texas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing Arm of XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information XXXX  XXXX  XXXX   XXXX  open XX/XX/2016 {$22000.00}, my name is not correct.