davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

XXXX On XX/XX/XXXX, I mailed check # XXXX in the amount of {$58000.00} to payee United States Treasury intended as an installment of my XXXX estimated tax payments. 

XXXX On XX/XX/XXXX, the check had cleared my bank ( XXXX XXXX XXXX ) with the assumption that the check was paid to the actual payee on the check ( United States Treasury ). 

XXXX On XX/XX/XXXX, my CPA filed my XXXX tax returns with the expectation that we are getting a refund of {$120000.00}. 

XXXX On XX/XX/XXXX, I received a letter from the IRS adjusting my refund to {$65000.00} which prompted me to inquire with my CPA the reason as to why they did this. 

XXXX On XX/XX/XXXX, my CPA confirmed that the IRS must have not received my check for {$58000.00} which is the exact difference. 

XXXX On XX/XX/XXXX, I requested a copy of the cancelled check from my bank ( XXXX ) which led all of us to believe that it was cashed by someone other than the United States Treasury XXXX Please bare in mind that the front of the check was not altered in any shape or form but the back was missing the official IRS endorsement markings. 

XXXX On XX/XX/XXXX, I received a call from my bank stating that the check was deposited/cashed at a Wells Fargo Bank XXXX 

XXXX Since then, myself and my bank ( XXXX XXXX XXXX ) have made several attempts to claim the lost funds from Wells Fargo to no avail. Wells Fargo refuses to refund my lost funds.
Consumer complaint received 2022-09-21
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX **** and XXXX XXXX XXXX XXXX XXXX have 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.
Consumer complaint received 2022-06-15
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. (PA)

In accordance with the fair credit Reporting Act XXXX XXXX  # XXXX, has violated my rights under. 

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions. 

15 u.s. code 1692b harassment or abuse
Consumer complaint received 2022-11-30
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. (GA)

The Credit bureaus Stated my account was Properly investigated But how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last report is not accurate. This ground for removal they also violate my rights under 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term investigation consumer report mean 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 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. 

Account Name # XXXX XXXX XXXX Account Num # XXXX Account Name # XXXX XXXX Account XXXX # XXXX Account Name # XXXX XXXX XXXX Account XXXX # XXXX Account Name # XXXX XXXX XXXX XXXX ( Account number cant be found ) They also violated my rights numerous times. 

The credit bureaus violated my giving rights under XXXX USC 1681.

According to : 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 state a consumer reporting Agency can not furnish a account without my written instructions According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also the credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2022-07-10
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. (NY)

I pay my bill every month on time and Ive seen a balance of {$410.00} and my utilization went up to 69 % and my balance increase {$2.00} which I never had a late payment on this card or anything to drop my score
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (TX)

Sunday, XX/XX/XXXX my identification and all of the contents of my wallet were destroyed in a car fire. Monday, XX/XX/XXXX, I went to the Regions Bank branch in XXXX XXXX XXXX where I received my replacement debit cards, made a deposit and a withdrawal using my temporary ID and answering identifying questions regarding my account and had no issues at all. 

Tuesday, XX/XX/XXXX, I went to the Regions Bank branch in XXXXXXXX XXXX XXXX XXXX XXXX. to make another withdrawal in the same amount as the day before. The teller, XXXX XXXX, told me that I was not allowed to do that without a photo ID. I explained to him that I had just done the same thing the day before at a different Regions Bank branch and offered to answer any identifying questions that he may have regarding my account. Additionally, I had my son text me a picture of my current passport showing my photo, name and current address. At which point he instant messaged the branch manager, XXXX XXXX and explained to her the situation. I asked XXXX to speak to the manager. He informed me that the manager responded that she was busy on a business meeting and did not have time to speak with me. I told XXXX that I was a XXXX-year customer ( I opened my first account in XXXXXXXX XXXX in XXXX ) of Regions Bank and no business meeting that XXXX XXXX was on was more important than her customer. Inevitably, I knocked on the manager 's door to get additional customer courtesy/professionalism from the branch manager. Without fully acknowledging the situation or show any empathy for my situation, she denied my request to withdraw my funds from my checking account. Furthermore, the entire time that I was in the bank her back was to the main lobby so she was unaware of what was going on in the branch. 

I left and returned with my burnt drivers license and passport. I spoke to XXXX again and explained to him that I too am in banking. I am the XXXX XXXX XXXX XXXXXXXX XXXX for a bank and presented him with my business card and educated XXXX on in a situation where a customer cant provide a photo ID how he should handle it. 

The branch manager 's lack of customer care, professionalism and general banking knowledge didnt warrant me interacting with her again. I explained to XXXX that I would be filing a formal complaint with the CFPB.
Consumer complaint received 2022-11-30
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: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 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 any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$26000.00}
Consumer complaint received 2022-09-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (FL)

On XXXX XXXX I contacted the Brdigecrest company about account no : XXXX XXXX I requested a full validation of this account Pursuant to federal law 12 CFR 1006.34 which states a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information. On XX/XX/2022 I received a letter from BRIDGECREST, stating that they were unable to fulfill my request because they had insufficient information... They stated that they had different information, and they wanted me to furnish them with information. This is a direct violation Pursuant to the FAIR CREDIT REPORTING ACT and the FAIR DEBT COLLECTION ACT all information placed on a consumers credit report must be 100 percent acute. I am in possession of this letter requesting that I furnish them with personal information and account information that they have already furnished to the credit bureaus. THIS COMPANY IS REPORTING INACCURATE, AND FRAUDGULENT INFORMATION. I am requesting that this information be deleted immediately. This company is unable to validate this account and information and has not done so in the time frame alloted to them by Federal law.
Consumer complaint received 2022-08-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Green & Sons Agency, Inc. (UT)

Outsource Receivables Management, XXXX XXXX, & XXXX XXXX XXXX. Attempted to begin proceedings in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the State of Utah regarding claiming that the amount of XXXX was due from a XXXX that resulted in the XXXX of the defendant. At the bottom of the summons it states clearly that This communication is from a debt collector. If you wish to resolve this matter, please call Legal department at Outsource at XXXX or XXXX. [ illegible copy ] the fact the attempt to collect, report, and harass a debtor for a medical debt that resulted in the pain, anguish, and XXXX of the defendant is not only unethical from a business aspect, but also an unethical practice for any medical professional. Although the referral of the debt may not raise to an initial violation from its face the fact that a debt collection company for a medical debt has ignored the new law passed by congress does.The No Surprises Act was passed and a bulletin was in itself published for companies like Outsource Receivables Management to clearly inform themselves on the new laws regarding medical debt collection as of XX/XX/2022, but unfortunately the company has failed to update their practices business practices and not only remain morally corrupt, but currently stand to be in violation of federal law. Legal action including a federal jury trial are currently being pursued on the companies complaint.
Consumer complaint received 2022-08-18
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. (OK)

My name is XXXX XXXX, I recently pulled my credit report to find numerous fraudulent and unauthorized inquiries on my PUBLIC transunion profile. 


This is hurting my financial health and is HURTING MY ABILITY TO HAVE A HOME AND TRAVEL IN ORDER TO WORK. 


Under FCRA law I have a right to privacy and my permission in the form of a signature is required to pull my credit report or add accounts to it. I HAVE NOT SIGNED ANYTHING OR GAVE WRITTEN CONSENT FOR ANY OF THESE ACCOUNTS. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) giving permission for each of these accounts. 


If you are unable to that proof within a reasonable time YOU MUST DELETE EACH OF THESE ACCOUNTS OFF MY REPORT IMMEDIATELY. 
I have made a complaint with identitytheft.gov, the FTC, CFPB and my states attorney general. 
( THIS LETTER IS BEING SENT ON XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-02
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: Experian Information Solutions Inc. (LA)

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX : {$200.00} ; XXXX XXXX XXXX : {$9900.00}
Consumer complaint received 2022-06-07
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. (CO)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions
Consumer complaint received 2023-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (TX)

I sold a huge bundle of WII products ( gaming console, controllers, accessories, games, etc ) on XXXX for {$300.00}. XXXX presented the shipping costs of around {$45.00} which I thought was fair, so I went ahead and authorized the transaction. Turns out I couldn't fit everything into one large box, so I had to ship a second box and pay out of pocket for that expense ( around another {$50.00} ). So my {$300.00} sell price is already netting out at {$200.00}. A few months later I received notification from XXXX stating that my account is suspended because I have an outstanding debt of {$90.00}. They provided no indication of what this dollar amount is for, nor did they provide me any way to contact them to find out. I then searched the web for contact information for XXXX. Turns out they have NO customer support, literally XXXX. So I didn't know what to do. A few months later I received a call from a creditor trying to collect the payment, I asked them what is was for and all they could say was " processing fees ''. Nowhere in XXXX 's literature did they state that I would owe them {$90.00} for a {$300.00} product sale. To the contrary, I their service fees are straight % off of the sale price, anywhere from 5 % - 13 % depending on the product being sold. 13 % of {$300.00} is {$39.00} which does not equal {$90.00}, plus I remember having them net that out of what they paid me originally. If XXXX did make it clear that they would be taking another {$90.00} from my proceeds, I of course never would have taken the tremendous amount of personal effort it took to package and ship the gaming system and all of its components in the first place. Because XXXX froze my account, I can't even look on the app to see if there is some sort of explanation of why they think I owe them {$90.00}. If XXXX refuses to communicate with me in anyway other than to send a creditor after me to collect $ for an unknown reason, then this is effectively fraud. Please make the creditors cease and desist and protect my credit rating from being impacted by this nonsense.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and inaccurate information that are found on my report. But still those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
Inaccurate addresses : XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX. XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-28
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$16000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-22
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 am a victim of identity theft. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and Dept of ED have fraudulent accounts on my credit profile that need to be removed immediately.