davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WESBANCO BANK, INC. (MD)

I decided to change banks and applied for a XXXX XXXX account. The internet was slow and after submitting the application, I got an electronic notice from XXXX XXXX saying something like There was an error on our end. Please reapply so I did. 

When I checked my WesBanco account, I found XXXX {$300.00} transactions were taken from my account for a total of {$600.00}. 

I checked with XXXX XXXX and found that instead of one checking account, I had two checking accounts, one opened with {$300.00} deposit and one with a XXXX balance. The XXXX balance account was closed. XXXX XXXX showed an account with a deposit of {$300.00}. 

Simple math. One bank took out {$600.00}. The other bank deposited {$300.00}. 

Neither bank has been interested in what the other bank did. WesBanco 's position is {$600.00} was taken out. XXXX XXXX 's position is {$300.00} was deposited. Both banks say the missing money has nothing to do with their bank. Neither seems to have the slightest interest in understanding how {$300.00} disappeared because both maintain it is the other bank 's problem. 

On XX/XX/XXXX, WesBanco removed the {$300.00} from my XXXX XXXX account and deposited it in my WesBanco account leaving a XXXX balance in my new checking account and deposited it back into my WesBanco Account. 

On XX/XX/XXXX, I received a letter from WesBanco congratulating themselves for fixing the discrepancy. 

There is still {$300.00} missing from my WesBanco account and removing the {$300.00} that WASN'T missing didn't change the difference between {$600.00} withdrawn from WesBanco and only {$300.00} deposited in XXXX XXXX.
Consumer complaint received 2019-05-23
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. (NC)

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. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ;
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I tried on 2 separate days to get my annual credit report via the XXXX website from Experian specifically, but both days I received this response : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report  Request form. 

Annual Credit Report Request Service XXXX. XXXX XXXX XXXX, GA XXXX " I tried 3 times both days - XX/XX/19 & XX/XX/19. A better error message is required for this to be useful. They are doing the bare minimum to provide these reports online, at least in my experience. 

Then, also on XX/XX/19, I tried the XXXX - XXXX phone option, as listed on Experian 's website for example : https : //www.experian.com/XXXX While going through the prompts, I was surprised to hear information provided to ME to confirm instead of me PROVIDING the information for verification. Notably, after being asked if I was calling from my home phone number, the address of my in-laws was provided for my confirmation to which I had to correct. Then, my in-law 's last name was provided for my confirmation, requiring me to correct again. Then a given name not associated with my in-laws was provided ( who knows where that one came from ... ), again corrected by me. It was at this point my SSN was requested and I thought for a while on whether this was a legitimate. 

The XXXX phone line needs work to not guess at and provide personal information - spoofing phone numbers is super easy these days, amiright spammers? Whatever database is backing that phone system hopefully isn't the same system backing my credit report, because some dude named XXXX <in-law 's surname> living at my in-law 's house probably has my SSN now.
Consumer complaint received 2019-03-26
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. (TX)

I have never agreed to open a credit card named " XXXX XXXX ''. I made my last purchase from XXXX XXXX last winter, but I remembered clearly the seller said it was in discount. Then I had a XXXX XXXX account, but I did not open a credit card. Also, I never received any card from that store and never even use it for purchasing anything. I realized it was closed and said I had a balance unpaid which was not true at all. It hurt my FICO credit score a lot and decreased my credit score a lot.
Consumer complaint received 2020-06-23
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. (NC)

I have fraudulent accounts on my credit profile that does not belong to me when I looked at my credit they are fraudulent accounts I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2019-05-23
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. (NC)

Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX, Experian, and XXXX refused to accurately investigate or remove inaccurate accounts from my credit report as follows : XXXX XXXX with account number XXXX XXXX XXXX  with account number XXXX XXXXXXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXXXXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX with account number XXXX All of the above accounts are reporting inaccurate information and contain different information in all 3 bureaus, which violates 15 USC 1692e.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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. (VA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY!
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-12
Product: Credit reporting 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. (GA)

I'm reaching out to the CFPB to ask for their help in getting rid of these fraudulent inquiries on my credit report. This serves as my follow-up complaint regarding the issue mentioned previously. Also, I'd appreciate your assistance in ensuring that Experian Bureau completes the removal of the remaining fraudulent inquiries from my Experian credit report. Once again, here 's the list of specific fraudulent inquiries that need to be taken off in my Experian credit report by the bureau : EXPERIAN : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC (TX)

Dept collection company named Oaks capital LLC is trying to make me pay the dept I owed XXXX..the amount of the debt is XXXX And Oaks capital LLC puts that on my credit report so I want them to remove that debt on my credit report because I do not own them anything.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. The following accounts are NOT MINE : XXXXXXXX XXXX XXXXXXXX. Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise, we will be seeking a legal remedy in this matter.
Consumer complaint received 2023-09-13
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America accepted and held funds from the IRS and claimed they were stolen ( Bank of America said the check ( s ) was a fake ) The IRS confirmed the funds were transferred over to the accounts and have not been flagged or sent back meaning the checks cleared Bank of America did receive funds in full from the IRS once the deadline for the hold pasted they froze the account and refused to speak with me and later after three months closed the account and refused to refund the funds to me or the IRS citing that they do not cash third party checks but even with that policy they were supposed to return the funds per their policy. Basically, Bank of America took a total of {$57000.00} which was from both the checking and savings combined each account was credited such as follows the checking 's total was {$28000.00} and the savings was {$29000.00} and Boldy stated that they can legally do so. There is not and never has been any court orders or judgments that they had orders for to take such action and even the IRS stated the funds were issued correctly and funds were disbursed to them without any holds or issues. I have even voluntary provided documentation that it wasn't a third part check ( s ) but the Bak refused to return the money even went so far to report me to the XXXX XXXX for using fake checks which was a lie. Bank of America Closed the account in XX/XX/ stating they were going to send a certified check Never did I receive one upon calling back to Bank of America I was told that no funds will be returned that I can not bank with ever again and the funds will be kept by the bank indefinitely. From the month of XXXX XXXX XXXX XXXX  I visited several branches in person all had no way of helping me other than telling me to call the XXXX number where they wouldn't answer simple questions about the account but instead locked me out XXXX  online access and told even more lies.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I filed a dispute overe the phone, also sent them proof ' never resolved the matter Its like the doing fake investigation. Sold a debt to this company ( XXXX XXXX XXXX XXXX ) I sent proof that the company Does Not DEBT COLLECT Licenses in the State of debt which is Georgia. I attached proof to my file