davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I contacted Wells Fargo around XX/XX/2022 regarding a XXXX payment made where I did not receive the product/goods I paid for. I paid {$160.00} for XXXX XXXX tickets and did not receive the tickets. The person kept stalling and then asked for more money so I asked for the {$160.00} back. I have screenshots asking for money back. I was told that there was nothing WF could do. The complaint was referred to a special team and I was told I would be contacted in 10 days and I called them. They did not contact me, return any calls and all of a sudden I receive another letter stating the matter was closed. I requested the documents used to make the decision and was told I would receive in 30 days and to date I have not received anything. The case manager was XXXX XXXX, claim number XXXX, i was also given another claim number of XXXX on XX/XX/2022. I still have not spoken to XXXX, she never contacted me and did not return my call. XXXX, extension XXXX
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I want to sue Bank of America since because of them I was defrauded. 
3 days ago I sold a trailer to a guy that sent me a check, I cash out that check in my account and later on we decided not to do the operation. So he asked me to send him the money back and I did it through XXXX in 2 transfers. Those transfers were on hold by Bofa until I called them. I talked to their FRAUD DEPARTMENT and they double check if the check had funds before approving the transfers. The lady, dont remember her name but have to be the recording available, told me that everything was ok and that she was gon na approve the transfer. That was yesterday.

Today at noon, they took back the money from the check and Bofa doesnt want to be responsible for anything, since, if they would told me that the check can be reverse until 30 days and they can not guarantee the funds then I shouldnt send the money back to the guy.
And now im seeing that that scam is the first one on the list. So, how is possible a person that suppose to know more than anyone about scam was unable to think that was a scam? Was the point to have a bank account if they can't take care of my money?

Oh, today I was trying to make the report to them for HOURS by phone and I even went to the Bank Baranch and they were totally useless.
Consumer complaint received 2023-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NY)

The prior tenants failed to pay XXXX XXXX from approximately XXXX  to XX/XX/XXXX. I became owner of the subject property by Deed recorded XX/XX/XXXX. I activated an account with XXXX XXXX on or about XX/XX/XXXX. My account XXXX was always paid on time. XXXX XXXX, its agents, servants and/or employees, broke into and entered my property and placed tubular locks on the electric and gas services on or about XX/XX/XXXX. On or about XX/XX/XXXX, XXXX XXXX transferred {$2800.00} to my account which was paid in full at the time { copy of bill attached }. The {$2800.00} was incurred by a tenant, XXXX XXXX, who is now deceased. I have advised XXXX XXXX of this fact on numerous occasions. On XX/XX/XXXX, I wrote to XXXX XXXX detailing the situation { copy of letter attached } ; no response was received by me. By notice dated XX/XX/XXXXXXXX  { copy attached }, XXXX XXXX  XXXX was attempting to collect the debt and on XX/XX/XXXX, I wrote to XXXX { copy of letter attached }. As evidenced by the Monthly Bill History furnished by XXXX XXXX, the charges originated in XXXX  ; its is my contention that the charges date back before XX/XX/XXXXXXXX  which was the date of the last meter reading requested by XXXX XXXX and the date that her account was closed. 

The Statute of Limitations within which to attempt to collect these charges has expired. Pursuant to the Federal Fair Debt Collections Practices Act, the debt collector knows, or should know, that the debt is too old to collect on, and they have FAILED to do the following : { a } Tell me that the statute of limitations may have expired ; { b } Tell me that it is a violation of the Federal FDCPA to sue to collect a debt for which the statute of limitations has expired ; { c } Tell me that I do not have to admit to owing the debt, promise to pay the debt, or give up my rights regarding the statute of limitations.
Consumer complaint received 2020-09-30
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. (TX)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2022-02-15
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-02-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Education loan shown on credit was fraud. The school was a fraud and education credentials were not honored. Numerous attempts to remove from credit report. Unfair fico score reporting as well.
Consumer complaint received 2021-01-29
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. (FL)

XXXX XXXX inquiry is currently being reported inaccuratly on my Equifax consumer report. This is a violation of FCRA rules sec. 1681 XXXX XXXX reports with no permissable cause, no loan or credit has been award. 

I did not give permission to creditor to run my credit.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

XX/XX/XXXX I received an email to my personal email address ( XXXX ), addressed to my name XXXX XXXX, thanking me for my interest in opening an account with Wells Fargo and letting me know that I could not open an account online and needed to come into a branch. I also received a letter in the mail advising of the same actions to open this account. 
I did NOT attempt to open an account with Wells Fargo at any time. 
I did call Wells Fargo on XX/XX/XXXX to have another fraudulent checking and credit card account closed that I did not open. ( Reference case # XXXX and # XXXX ). These accounts were also opened online. 
On XX/XX/XXXX I called to report the fraudulent checking account and spoke to XXXX who I provided my personal information and advised me that a fraud case would not be opened since my social security number was not associated with the new account. I would like some assurance that Wells Fargo will not open an account in my name, email and physical address. Wells Fargo only told me that there was nothing they could do since this online application did not match my social security number. ( My social security number is not on my drivers license, so how can it be validated anyway? ) I have little confidence in this bank since this is the second time an application has made it through their systems and I am given no assurance from them that they will not open an account in my name. I would like a response from the bank and to know how they will ensure that accounts are not opened online without proper authentication of the person applying.
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Greetings to all and I pray that all is well during these trying times. I've had an issue with multiple accounts appearing on my credit report that was not authorized to be open by me. The account was opened XX/XX/XXXX for {$270.00}, XX/XX/XXXX for {$2500.00}, XX/XX/XXXX for {$6600.00}, XX/XX/XXXX for {$2400.00}, Collections XX/XX/XXXX for {$67.00}. I reached out to XXXX, XXXX, and Transunion in order for them to please delete/remove this item from my credit report. I have previously been a victim of identity theft and since then there have been unauthorized inquiries and accounts to appear on my credit report periodically. I provided an affidavit and a police report to XXXX, XXXX, and Transunion explaining my situation and they have failed to comply with federal rules and regulations. Times are very hard on my family and me. I am asking for some help in just removing these accounts from my credit report so that I may continue to provide for my family during this COVID-19 pandemic. I am in process of relocating my family and this account being on my credit report is causing grave grief and anguish.
Consumer complaint received 2022-10-12
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. (TX)

Since XXXX of XXXX, there has been a mass vendetta of coercion, intimidation defamation and unlawful, willful, and negligent with intentional through updating, modifying and keeping " assumed consumer 's personal & private reports in question. '' These attacks are considered to be in violations of the FDCPA, FCRA The DODD-FRANK ACT & the CFPB. from Unknown Collectors violating consumer Rights and protections, to the Credit Report Bureaus are allowing the " Criminal Identity Theft, '' with impunity to maintain authority power over the masses " Under Color of Law. '' 15 U.S Code A3 15 U.S. CODE1681I [ 1.A ] - IF ANY ACCOUNT IS UNDER FEDERAL LAW THE ACCOUNT HAVE TO BE REMOVED WHILE UNDER INVESTIGATION. ALL PARTIES VIOLATED FEDERAL LAW! AND NONE OF THE VIOLATORS WERE TOLD TO REMOVE THEMSELVES FROM THE ACCOUNTS! There are derogatory violations going on and the according to 15 USC code 1681A4 the credit bureaus are violating individual privacy without consumers consent. XXXX and Experian are both digging up old addresses all erroneous irrelevant inaccurate information to tie collectors to the accounts that should have been deleted long ago they were reinserted in the early two men XXXX without notification or consent of the assumed customer or consumer with this they have also violated CFPB and 15 USC 1681 codes a proper validation and F BC PA laws of threatening and harassing the assumed consumer continue till this day also a violation update fair debt collectors protection act bay have under criminal identity theft allowed make allowed a consumer 2 do harassment violating fair debt collection practices act buy searching for information violating the consumers they assume consumers protections and privacies and taking XXXX points of credit off of the " assumed consumer 's official credit reports score which is a violation by harassment oppression involuntary servitude and impunity of oppression of a XXXX federally protected entity. I implore the CFPB to review the information that within these files and take action on my behalf. It hope that the CFPB will review this information downloaded here and find what I have found to be worthy of your intervention weakened and as a consumer, have too much time arguing to those of deaf ears of people in powerful positions to render relief to all yet select very few enhancing injury, and with the truth deny those who have done everything right, from the supposed " American Dream. ", only to be oppressed and treated badly under " Color of Law. '' It is as if they are wrong for having a Certificate of Birth. The next step from here will be to inform all parties of impending lawsuit in Federal Court to answer for their violations of CFPB, FCRA, FDCPA & 15 US CODE 1681 in order free others from what the world refuses to expose does not exist and restore " creditworthiness. '' thank you.
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (TX)

Pursuant to 15 usc 1602i I as the consumer am the original creditor. In accordance to 15 USC 1692 Ally Financial is criminally liable. I also was never given paperwork in regards to my loan information or car purchase. 
Furthermore, Ally is also civilly liable for double the amount of my finance charge in accordance to 15 USC 1640, and they are liable for each FDCPA Violation pursuant to 15 USC 1692K. I am demanding that they zero out the balance of this alleged debt and update my consumer reports, as well as remit payments to me for violations.
Consumer complaint received 2021-02-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BTH Management (VA)

Received a voicemail from XXXX XXXX XXXX collection agency for XXXX. 
This is the exact message received. They are not a law firm. 
This message is for her ____ this is XXXX XXXX calling from XXXX invite concerning a legal matter that has been forwarded to my office we made several times to contact you but unfortunately have not received a statement from you regarding a matter if you found the contact up __ mediately we will be forced to render a decision and notify our client of your lack of response press one now or contact us back at XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

There are 240 plus inquiries within my Experian consumer report from XXXX XXXX, when XXXX XXXX does not pull from the Experian consumer reporting agency. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Consumer complaint received 2021-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Telerecovery Corporation (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (PA)

1. over paid on homeowners insurance. 
2. had two policies for the one house they never cancelled the older policy. 
3. they never sent me the documents i requested 4. i tried to refinance with Amerihome their offer was from 3.5 to 3.35 5. i did get offer from XXXX XXXX for 2.25 dropping monthly payment x {$120.00} 6. now amerihome won't take XXXX payment {$930.00} intill i sign their refin papers 7. Now I don't know weather I can refinance
Consumer complaint received 2021-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The address updated incorrectly. - Wrong zip code XXXX XXXX XXXX XXXX, XXXX TX XXXX Address - Apartment complex This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted - Dispute this Address XXXX XXXX XXXX, XXXX TX XXXX Address - Single family This item was removed from your credit report. Please review your report for the details. 
View your Report | View your credit score Deleted + 'icon ' Deleted
Consumer complaint received 2021-01-29
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. (FL)

I have been disputing items on my credit report, for over 60 days, XXXX, today is XXXX, with no responses. TransUnion is stalling and by law, they can not do this. Please remove all items that I have attached from my credit report.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (MI)

I received an email on Thursday, XX/XX/XXXX that a checking and savings account was opened with truist bank and my email address was the receiving the confirmation emails that the accounts were created. I contacted the banks customer service and immediately filed a fraud report with them and they provided instructions on what to do in case personal information such as SSN were also breached. Afterwards I called the experian hotline to place a 1 year alert/freeze on my SSN in case that information was breached or other accounts could be opened. I have not received any emails or other contact from Truist since then
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I received a title loan from loanmart for less than {$3000.00} back in XX/XX/2017. I was unable to repay the loan my vehicle was repossessed by loanmart and sold at auction. Now my credit report shows original title loan as 48-month auto loan that it is not and has never been a traditional auto loan. Also, on my credit report loanmart has the status as a charge off and as active with a balance over {$33000.00} simultaneously which is adversely hurting my credit score and preventing me from obtaining an FHA home loan.
Consumer complaint received 2022-02-15
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. (CA)

I have XXXX XXXX  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 for the month of XX/XX/XXXX. 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 XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-12-03
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: United PanAm Financial Corp. (TX)

15 usc 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it is also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA (MO)

Received a letter from Collection Department ( XXXX ) XXXX, XXXX XXXX XXXX : Account Number XXXX Current Balance {$120.00} Payment Due {$35.00} Dear XXXX XXXX We are writing you about your monthly credit card Payment Goes on to say its past due, phone XXXX to talk about payment First Bankcard I do not owe this. I have never had a First Bankcard. I called the REAL First National Bank of Omaha Bankcard They have no record of this account XXXX They have no XXXX XXXX XXXX They have no phone number XXXX They thanked me for bringing this scam to their attention I imagine some scammer sent out thousands of letters like this figuring since its a small amount a lot of people would just go ahead and pay it The real FirstBankcard said to ignore this I am reporting it to the FTC So you can be aware of it and possibly find out who is sending these scam letters out Many people may fall for it There are new scams all the time This is a new one for me I have no overdue credit cards & a high credit score so I knew right away it was a scam The real phone number for the real First National Bank of Omaha is XXXX