davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

Another bank logged into my online account with my Wells Fargo username and password. They made an authorized wire transfer. Wells Fargo initially flagged the transaction and restricted my online access. When I explained the details to the bank, they denied my claim! They said they spoke to the recipient and the money was already used. The money was stolen from me! And Wells Fargo flagged it as fraud! What is the point of fraud if the money wont be returned to me when there is proof I didnt make the transaction?
Consumer complaint received 2020-07-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2018-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Total Card, Inc. (GA)

To Whom It May Concern, I have had only one account with you all for 3 Years and 4 Months. With that account, my debit card expired XX/XX/XXXX and you never sent out a new card. I called and advised that my card was expired in XXXX and you all advised that you would send me a new card and my account is still open and active. 

However, you gave me a new card number for some reason and created a duplicate listing on my credit report. You sent me a new card with a new card number XXXX which should not have resulted in you changing my card number as the original card was never lost or stolen. The card had only expired and I never requested for the card number to change. However, there should not be two listings on my credit report.

You need to remove the Closed Accounts you are reporting to all three credit bureaus.

You have the following listings on my credit report : *Both Accounts have an Open Date of XX/XX/XXXX and I have only one account with you but two accounts on my credit report. 

XXXX - CLOSED XXXX - OPEN
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (MS)

I recieve unemployment payments to my Eppicard. One day I noticed over XXXX dollars missing from my account in XX/XX/2020 so i made a dispute. Then ordered a new card after I recieved the new card XXXX more dollars was missing from my account again in XXXX XXXX I filed a dispute which no papers were mailed to me after representive told me they would come in 5 days. I got my new card and XXXX more dollars were stolen I made a dispute again in XX/XX/2020 which I was told they would send forms in 5 days. Not only did I not recieve forms for my disputes but you could not reach any over the phone to resolve the issues. After waiting I finally mailed a letter in writing in XX/XX/2020 describing my disputes. In return they finally send a letter saying they wouldnt return my XXXX dollars because they did an investagation and the information they got from the merchant. So I called and the information they gave did not make sense but they wont take a second look. I then asked about the other disputed which almost three months later they had did nothing for my claim. They just sent the paperwork for the other two claims a week ago which it is now XX/XX/2020. Before I could even send in my paperwork for the disputes I just recieved. They have already sent a letter saying they couldnt find fraud. What!!! I just got my forms to get my credit last week. This is Unbelievable these people are scammers and this proves they are not investagating these cases and not returning customers money. I have been fighting to get my money back since XXXX making disputes that they not even sending out so people wont get their credit. This company needs to be closed.
Consumer complaint received 2020-07-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (CA)

In 2015, I worked at a motorcycle dealership XXXX XXXX XXXX in XXXX XXXX XXXX Ca. At the time the Sales manger had a motor cycle for me to use. I have him {$2500.00} To use the motorcycle as it was from an auction he bought used. Its currently on my credit report and I never signed a contract. I didnt have credit sufficient at the time and he new that he said he would take care of it. The creditor on my credit report is west lake financial. When I did try and pay the loan the account number I was given never worked and could not find me in there system. I could not make payments as I was not in the system and kept on kicking me off there phone system.
Consumer complaint received 2024-11-09
Product: Credit reporting 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.
Consumer complaint received 2020-07-08
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. (TX)

XXXX  XXXX XXXX ftc XXXX XXXX adjust ftc violation XXXX XXXX automated col civil violation, fcra and ftc XXXX XXXX XXXX FTC all US DEPT OF ED/XXXX ( FTC ) all of them were filed XXXX XXXX XXXX  ( come on look at the CFPB ) being sued XXXX XXXX XXXX ( filed NCUA ) XXXX XXXX XXXX  ( scam ) XXXX XXXX FTC XXXX XXXX XXXX FTC
Consumer complaint received 2018-11-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Submitted ID and social security card copies via online ( several months ago ) and via certified mail over a month ago as i was unable to access credit report. I believe equifax has the wrong last four digits of my social security. My credit card was closed and after filing complaint with credit card i was informed : On XX/XX/2018, we received an ownership dispute directly from Equifax. We conducted an investigation, and the account was permanently closed. The closure of this credit card which was my only card resulted in a drop of score from 700 's to non existence. Called via phone and was told they do have the correct social security so i am not sure what is going on with equifax and why the ownership dispute.
Consumer complaint received 2020-11-24
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: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX SS XXXX DOB XX/XX/XXXX The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available tome for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX addresses are notaccurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX This is my only number XXXX All other telephone numbers are notaccurate. Please REMOVE/DELETE any additional phones numbers.
Consumer complaint received 2022-09-11
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: Stenger & Stenger, P.C (TN)

Company bought debt that was near 6 years old almost time barred and immediately filed suit instead without sending 1st letter of collections and allowing the 30 day validation period. They say last payment was XX/XX/XXXX and I have a court date of XX/XX/XXXX. Per your mandate they should have placed that this was time barred debt on the letter they did send me but that was mailed on XX/XX/XXXX. stenger and stenger is literally seeing me after 6 years in TN limit and has obviously violated the cfcb and fair debt collection practices act.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TN)

Rental Recovery Systems, They are saying I owe a balance from XX/XX/2016, XXXX XXXX 

This is not owed because the apartments broke our lease due to a spike in crime, car was stolen, other car broken into, and neighbor had attempted home invasion by burglars. We worked with management to terminate the lease and at that time were absolved of any further financial responsibility. I called numerous times to verify this. Manager was XXXX at the time and because of the safety issues we were told we owed nothing else. This should not be on my credit.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I have several hard inquires on my Equifax report that I have no clue where they came from. I have dispieted this information with Equifax over 4 months and no result. I recently submitted and FTC because I do not have any other options when I am lost on these inquires. They have violated my rights to privacy and fairly considering my report during their investigation. 

15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692B not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt I did not give anybody written instructions. 

Every account on my FTC report is a HARD INQUIRY that I did not authorize
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I am an employee and a victim of systemic XXXX abuse in XXXX XXXX, and I believe either XXXX XXXX, XXXX a group within XXXX, or an adversary paid by XXXX or XXXX is restricting my access to financial resources that I need in order to seek asylum in XXXX XXXX. I believe my credit score information provided by Experian and XXXX is inaccurate due to interference from the employer. I reported this issue with XXXX and Experian multiple times and they are not responding to my report. I am a paying Experian and XXXX customer. I currently pay for identity theft protection and part of that service should include protecting my credit score information from employer or other adversary interference. I am looking to sue XXXX XXXX and XXXX  I believe that these organizations are doing everything in their power to restrict my access to adequate health care, financial services, and legal services. I have evidence to support these claims, and am asking for help in order to get fair access to financial resources like a small personal loan to be able to move my stuff to XXXX. Please help.
Consumer complaint received 2022-07-13
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-10-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

To whom it may concern : My name is XXXX XXXX XXXX and the reason for me writing to you today is to complain about XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-07-08
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. (MD)

My XXXX Credit Card I submitted the full balance in the due date and it is stating that I submitted my payment the following day whove resulted in them reporting to the credit bureau that I had a late payment. This is in correct I submitted the payment on the due date and it needs to be reported accordingly and that information needs to be reflected on my credit report. I paid the XXXX on XX/XX/20 and the full balance was submitted in the amount of XXXX on XX/XX/20. The information submitted to the credit agencies is incorrect and needs to be rectified.
Consumer complaint received 2022-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (OH)

I applied for a mitigation loan. The bank said I didn't qualify. I got a mediator through the state of Ohio. Their lawyer called the bank during the meeting and was told I did qualify and everything was turned in on my end so it never shoukd have gone to foreclosure. They said they would do a title search and then the loan would be approved. It never should have gone to foreclosure as I did qualify. They never did the title search and sent it to a sheriff sale. When I found out I called their lawyers and the bank and they did the title search and stopped the sheriff sale and approved the loan. However they added a high amount of fees for this process and now I have a silent loan on the house in addition to my other loan. I need help because I have tried and they keep saying they were correct but the state and their lawyers have records that I qualified and had nothing more to do on my end. They added all these fees. They tried to take my home in a sheriff sale when they failed to do my title loan. They keep ignoring and excusing me and I need help. I should not owe all those fees. I signed the documents as I would be homeless without it but I had no understanding of what was going on. Can someone help me please. I can't fight a big bank on my own and this has been years of me trying. I don't want it to be too late.
Consumer complaint received 2020-12-03
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: Advantage Credit, Inc. (NY)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-07-16
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: Santander Consumer USA Holdings Inc. (CA)

I submitted a dispute to XXXX via the XXXX XXXX website on XX/XX/XXXX, about missed payments on my XXXXSANTANDER account. 
I phoned Santandar on XX/XX/XXXX and asked the agent could you please remove the four missed payments that occurred in XXXX. The account is now paid in full and on time in line with the financial contract ; the agent placed me on hold and reverted back after some time speaking with the accounts department and kindly said they would remove the missed payments in XXXX as the account is paid off in full. I thanked the agent for being very understanding and thanked her for her time. 
I received the update from the XXXX investigation on XX/XX/XXXX, with no changes. 
In XXXX I submitted a complaint for the four missed payments that were reported in error when I set up a payment arrangement due to covid, which I completed and brought the account up to date. I don't understand why they can not be fair here and remove these missed payments when I was in full communication with the agent in XXXX ; this was not my error due to lack of communication. Also, as stated in my previous complaint, the agent said she made notes and assured me everything would be fine ; hence that was not the case, as I was punished with late payments on my credit file. Recordings are made during customer calls, which is why this is not fair as they should investigate ; however, nothing has been rectified, and the truth is not being brought forward. As a customer that followed through with my words to the financial institution, they are not being fair. 
It's very disappointing and discouraging.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My info was compromised through Premera data breach years ago. I was identity theft 'd a few times, and have put freezes on all three bureaus. 

Bank of America allows anyone with my info to open new accounts using my information. This keeps happening with BoA. It has occurred twice in month of XXXX, two weeks apart. 

I call into fraud department each time, which takes 2-3 hours each time. I have asked them to block any account using my Social Security from being opened using my information, they indicate they are unable to put such a restriction on, and its my responsibility. They said if my info is in the wild, it can be used to open an account with them, and i should put freezes on with the bureaus, specifically XXXX. I already have a freeze on with XXXX, they are not respecting the freeze. 

This does not happen with any other organization ( XXXX, XXXX, XXXX ), just Bank of America They offer no mechanism to allow a consumer to not have an account opened in their name. They dont have a way to quickly say " this is fraud '' in their " Welcome to Bank of America XXXX your account has been approved and opened! '' email. You are forced have to call in EACH TIME. They dont respect credit freezes put on at XXXX XXXX 

I've asked for escalation to a duty manager from their fraud department, and was denied. I've sent emails to their security team. I've sent emails to their head of customer relations. I have not received any responses. 

I can provide documentation of all these statements if needed.