davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

I would get a deposit or make one and I would get told by more than one representative that either I had pending charges already or they update at certain times of the night and would always be negative due to this. I have called several times and complained but was always told something different. Now my account is closed due to this and they let me go negative up to {$900.00}.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (TX)

I got a car from a dealer in XXXX and I was paying to him, then he transferred me to another Merchant which I was making my payment to, then the car engine went out in XX/XX/XXXX. Then I called the merchant up to tell them I wont be paying for the car anymore, I gave them the contact of the auto shop and number. after awhile he called me up and made me a deal to settle the car for {$2000.00}. 
I said ok, he sent me a email to have that in record, I made a payment of {$900.00} and {$400.00} to the merchant. I make him a payment of {$600.00} again then I emailed him he same day he did not respond. I waited till Thursday and called him and he said he wont do it anymore that the deal is off. 
So I said ok and I contacted my bank due to him not holding up his end of the deal. The bank did nothing did not get my money back.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I have had multiple conversations with Wells Fargo, about false transactions coming out of my account and they have always said that they couldnt see anything on their end, so I lost money and they wouldnt reimburse me the money lost. Because of this issue I keep my money in my savings account because I do not trust for my money to be kept in my checking. Every-time I have to purchase something I have to transfer money from my savings to my checking. Thats embarrassing when at a grocery store register! When I transfer I make sure I put more than enough money in my checking account so the transaction to go through. It always go through! I have had a couple of issues with Wells Fargo telling me that when a transaction is pending it doesnt take the money out right away, but that is false because my money has always been taken out right away after I pay. They have been charging me extra money, that I shouldnt have to pay after a payment is processed. I told them about the issue and they told me they wouldnt reimburse the money. I have been a customer with them since 2019 and I am not happy with them.
Consumer complaint received 2020-05-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (UT)

In XX/XX/XXXX I applied for a Citibank high yield savings account. After waiting almost a month for them to verify my address off of a utility bill, I called and asked them to stop the application process because it seemed like a red flag that their process was taking this long. The service rep confirmed they would stop processing my application. 

In the interim I applied for, and was approved for a XXXX XXXX high yield savings account in a few days. Instead of stopping the application process as indicated, Citibank then attempted to open the savings account and withdraw from my XXXX savings account without my authorization. XXXX flagged the transaction as fraudulent, as was the case. Note that I still have the uncompleted IRS W-9 form from Citibank, which Citibank states in writing is a prerequisite for account activation for all US citizens. 

I have called Citibank 1-3 times monthly now since the unauthorized withdrawal, and have been told by customer support reps repeatedly that my account would be closed. Each time I call, the customer rep confirms my account closure requests in the call log. It is now XX/XX/XXXX, and I just received another bank statement indicating that the account is still open. I am concerned that Citibank is sabotaging my credit score with their fraudulent actions to meet a phony internal KPI.
Consumer complaint received 2023-01-23
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. (MD)

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting : The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

These accounts must be removed from all three credit reporting companies ( XXXX, XXXX and Transunion ) for violations under the federal laws listed above. 

XXXX  XXXX XXXX ( Charge-off ) {$530.00} XXXX XXXX XXXX ( Charge-off ) {$480.00} XXXX XXXX  XXXX ( XXXX XXXX {$1000.00} XXXX  ( Charge-off ) {$0.00} XXXX XXXX ( Charge-off ) {$48.00} These 5 accounts are charge-off - Which are being reported as debt, which is a clear violations under the federal laws listed above.
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I made a XXXX mobile check deposit to capital one in XX/XX/2017 THEY wouldnt release funds saying it was suspicious I called hundreds of time and was ALWAYS directed to security dept. which a live person never answered or called back. After 5 months I notice there was an electronic funds withdrawal for the XXXX not made by me and capital one had no explanation and soon after closed my account after I called and was directed to security dept which I left several messages NOONE ever got back to me and sent me a check for XXXX
Consumer complaint received 2023-01-21
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. (GA)

This letter is regarding account # XXXX, which you claim I owe {$230.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a complaint regarding unauthorized entries on my credit report. Specifically, I have found thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my report and I did not authorize these companies to access my credit information. 

I have not had any business dealings with these companies and I am concerned that these entries XXXX be the result of identity theft or other fraudulent activity. I request that you immediately remove these unauthorized entries from my credit report.
Consumer complaint received 2023-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TN)

My names XXXX XXXX. I lost my job due to covid and was unable to pay my last months rent. Apartment complex handed over debt to collections and is now on credit.Originally owed XXXX. Paid {$200.00}. Now owe {$1400.00}. Called this morning pro collect collections agency. Called to make another {$200.00} payment. XXXX I spoke to on the phone refused to take my payment. Stated I must pay the full remaining balance {$1400.00}. Asked to speak to her XXXX and she refused to let me speak with anyone else l. Stating she was the XXXX. XXXX told me I should pay my bills and hung up the phone. Called back and she proceeded to antagonised me laughing at the fact that I had called back. XXXX told me to ask family members for the money. I emailed XXXX XXXX of pro collect. Where he confirmed I am unable to make any payments. He claimed when I originally made the first XXXX $ payment that I was agreeing to a payment arrangement and because I did not abide by payment arrangements I no longer had the option to make any more payments unless it was the full {$1400.00} amount. I explained the XXXX XXXX via email that the lady assigned to my account was XXXX  and unprofessional towards me and that she did not explain this to me over the phone and that I never remember agreeing to making payment arrangements. I believe this is absolutely unprofessional how the situation was handled. I would like this paid off so I can eventually be approved for a place to live but they are refusing to work with me. The lady assigned to my account at pro collect was XXXX  unprofessional and demeaning. I would like to make payments over the phone until this is cleared and I can NOT make a {$1400.00} upfront. I live pay check to pay check. Eventually after going back and forth via email with the XXXX XXXX over pro collect he eventually told me I could make a XXXX $ online. Which was never originally told to me. I went online and made a {$100.00} payment but no money has been taken out of my account. I do not feel comfortable making anymore payments with this company until I get a clean understanding. I would prefer the option to speak to someone who is professional and give them payments over the phone. Because I no longer trust this company with my card information. If someone can please help me get this situation resolved I would greatly appreciate it- thank you
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX XXXX a transaction in the amount of {$2100.00} from XXXX XXXX XXXX XXXX  was taken out of my checking account with Bank of America. I filed a dispute with Bank of America and notified them that I did not authorize this transaction, they had informed they would give me a credit in 24-48 hours of the date of the claim and they would investigate the claim. My second phone call was XXXX hours after the claim was made to get an update on the credit and I was told that they would expedite my credit. As days went by, I continued to make phone calls for updates with no answers. After approximately a week with no credit the results came back of this investigation concluded to a denial and that my case was closed. After multiple phone calls and attempts to reopen the claim and appeal customer service representatives continued to insist that the claim could not be reopened or appealed. Now I would like to file this complaint for more further investigations and for Bank of America to take responsibility on this fraudulent and not authorized transaction.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Had an inquiry on my credit report at Transunion that I didn't authorized. I'm not familiar with " XXXX ''. This inquiry was made on XX/XX/year>.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S.

Code 1602 ( p ). Also violating 18 USC 894. Using my name and address without express written consent in violation of O.C.G.A. 16-9-93.1 Then list the items that are creating the negative impact Statement : XXXX XXXX XXXXXXXX and XXXX  have violated my rights, and restraint of trade in violation of 15 USC1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

I let these agencies know about these errors beginning in XXXX XXXX XXXX sent evidence police reports and they continue to report and supply the same information without consent.
Consumer complaint received 2023-01-20
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. (TX)

I have disputed the referenced accounts to the 3 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 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (FL)

The company is Experian. I received an email from them saying that my credit score had dropped. I called them on the phone to inquire about it. Here are the two phone numbers I called : XXXX and XXXX. 
When I called the first one, the XXXX number, I got a long rambling sales pitch from a live agent, " XXXX, '' about a protection program that would cost about {$500.00} to protect both me and my wife from fraud of some sort. He gave me no access to anyone who could explain why my credit scored had dropped. He just gave me his own personal XXXX number to call if I wanted to buy the protection. I hung up. 
When I called the second one, the XXXX number, I got a recorded voice that didn't even greet me but immediately asked me for my social security number. I hung up and then called this XXXX number back a second time. I got another recorded voice that said that this XXXX number was unavailable to my " calling area. '' My third call to the same XXXX number resulted in a busy signal.
Consumer complaint received 2024-11-29
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: CITIBANK, N.A. (NY)

I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.
Consumer complaint received 2019-02-16
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. (MN)

Since my identity been compromised I found many unauthorized inquiries reporting on my report, the following inquiries are 1. XXXX XXXX XXXX XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX  ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX  ( XXXX ) 6. XXXX ( XXXX ) And I would like these inquiries removed immediately, or provide me with physical documentation.
Consumer complaint received 2019-02-16
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. (MN)

Since my identity been compromised I found many unauthorized inquiries reporting on my report, the following inquiries are 1. XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 2. XXXX XXXX  ( XX/XX/XXXX ) 3. XXXX ( XX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX) 5. XXXX   ( XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX) And I would like these inquiries removed immediately, or provide me with physical documentation.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX   XXXX {$590.00} XXXX XXXX XXXX   XXXX {$1300.00}
Consumer complaint received 2019-02-16
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: EQUIFAX, INC. (MN)

XX/XX/2019, I have disputed the following accounts, 1. XXXX XXXX XXXX {$0.00}, and ( 2 ) XXXX XXXX {$9500.00}, these accounts does not belong to me, and when I disputed them, Equifax is the only credit agency that claimed that they verified the accounts. Now I'm requesting The Method Of Verification used to verify these accounts. I would like to know inwhom represented the investigation from Equifax, the name of that employee, also inwhom did they speak with, what day, date, and hour. Also what was the means of communication, phone, fax, mail, text, email, etc. Please provide me with all requested information. And in accordance with the FCRA laws, if this is not met in a timely manner then these accounts shall be blocked immediately.