davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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. (MI)

In accordance with the Fair Credit Reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX. Account number : XXXX - Account name : XXXX XXXX . -Account number : XXXX. Account Name : XXXX XXXX XXXX. Account number : XXXX. Account Name XXXX XXXX XXXX. Account Name : XXXX. Account Name : XXXX XXXX XXXX XXXX. Account Number : 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. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 seven years. 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.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (NM)

As usual, when i call Wells Fargo Bank, NOBODY ANSWERS THE PHONE AT ANY OF THE LOCAL BRANCHES. I called XXXX and XXXX and XXXX and nobody comes to the phone. This behavior is 100 % absolutely the same, before the Corona Virus Planned Hoax to wreck the economy began. I called these numbers over and over from XXXX to XXXX. I called Wells Fargo customer service ... ... nobody answers AS USUAL. I called an out of state Wells Fargo and was able to get someone to transfer me to Customer Service ... .who did actually pick up the phone after a short wait. The Wells Fargo agent could Not tell me why when i type in the EIN and Account number of the Trust Account, the Wells Fargo system does not recognize the Trust, leaving me unable to enroll in online banking. The Agent said she would " Set me up '' with online banking ... .to which i told her, no, not yet, i wish to know why the EIN and Account number is not pulling up the Trust information within the Wells Fargo system. She could not give me an answer and instead Transfers me to another Agent. The Agent named XXXX   answers. I asked her before we get started .... '' what did the last agent tell you my issue was '' ... XXXX  proceeds to tell me A STORY, COMPLETELY OUT OF LEFT FIELD that the 1st Agent Created and told her ... ..that has 100 % Nothing to do with my issue. I told XXXX, " the reason i asked is because 100 % of the time, you Wells Fargo people do NOT LISTEN ... and that is why Wells Fargo is in so much trouble around the world ... YOU PEOPLE DO NOT LISTEN THEREFORE YOU CAN NOT ADDRESS PROBLEM SOLVING CORRECTLY. So, i had to explain the whole situation again to XXXX. As i type this complaint, i am on Hold AGAIN, waiting for the next incompetent employee of Wells Fargo ... ... And right now ... .I have been on the Phone with Wells Fargo ... going on 40 minutes and counting. The next Agent named XXXX, tells me that she does not know why the Trust information is not pulling up. I asked her how does someone enroll online and she says on the website. I tell her what i did, then she says You have to call in and that the website does not work for everyone, its random. I then tell her, i would like to set up an appointment with my Local Wells Fargo to close both my accounts and i wish to do it now over the phone because the local branches do NOT pick up the phone and i wont be able to make an appointment otherwise. She then tells me the ONLY times the Bank is available ... leaving me unable to make an appointment. She then goes on blaming the Planned Corona Hoax as her excuse for the bank NOT being available after XXXX. So, once again, i have spent over 1.5 hours on the phone with Wells Fargo and they could NOT solve my issue. They can not tell me why their system will not pull up my Trust account by its EIN and  Account number ... .and they failed to accommodate my schedule, to come close the accounts.
Consumer complaint received 2023-02-25
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. (FL)

I have been reaching out to the credit bureau for a while regarding these inaccuracies on my account they keep giving me automated responses I am a victim of the experian-XXXX data breach and have already filed my settlement with XXXX XXXX XXXX XXXX XXXX I'm requesting for Experian to read my documents and reinvestigate this issue and provide proof of validation In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
My rights way violated 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 USC 1681i ( 5 )
Consumer complaint received 2023-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CT)

I have had been a loyal customer of CITIBANK since I was a child and I have had this account in particular for many years almost 30 years, and in good standing. Someone unknow to me and without my knowledge or authorization accessed my CITIBANK SAVINGS account and CITIBANK CHECKING account on XXXX fraudulently by obtaining my information making me a victim of identity theft. The individual ( s ) accessed my account using the online site or accessed the account using the mobile application to commit fraud and withdrew money/ stole money from my account. 

Once in my account, the individual ( s ) changed my account from a regular CITIBANK CHECKING account and CITIBANK SAVINGS account and updating my accounts to CITIBANK PRIORITY accounts without my knowledge or authorization. They then moved {$5400.00} from my CITIBANK SAVINGS account to my CITIBANK CHECKING account to process the withdrawals. Following that the individual ( s ) then withdrew money through 2 transactions, one for {$2500.00} + another for {$2400.00} for a total of {$4400.00} from my account using the XXXX application. XXXX is partnered with CITIBANK and was accessed only after the person passed through my CITIBANK log-in to commit the fraud within the CITIBANK XXXX XXXX. 

Claims have been filed with CITIBANK regarding these fraudulent activities starting on XX/XX/XXXX the same date as the fraud took place. On XX/XX/XXXX police report was requested and filed. 

Visits have been made to the bank in regards to this fraud where I spoke with them. With a bankers assistance calls were made to the fraud department, so that I could again request action be taken and they documented the identity theft. This was In an attempt to have CITIBANK take action and return the money stolen from my bank account and provide detailed information on the fraudulent activities. Countless calls and time have been spent making calls to the fraud division of CITIBANK and requests for information to be sent to me as to how this happened. I would like CITIBANK pay attention to the fact that my identity has been stolen which is why they encouraged me to open new accounts which was done. I believe there to be security if this type of thing happens through a partnering application within the CITIBANK site or mobile like XXXX so that the resolution is to return the money taken from the account fraudulently.
Consumer complaint received 2023-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied for a short sale in order to prevent a foreclosure on my home in accordance with the CA homeowners bill of rights which gives me the rigth to save my home from a lender foreclosure, my foreclosure date is XX/XX/23, which is plenty of time to apply and start the process for the sale of the home, but SPS the servicer of the loan and not the lender has repeatly lie about that they were not able to complete the valuation because the real estate agent they hired to do the XXXX was`nt able to reach me to to gain entry into the home to look inside, which is a flat out lied because i spoke to the agent to set up the appointment and he never showed up because SPS cancelled the the appointment for no reason and not even the agent knows why it was cancelled either, I also included a letter addressed to the CA ATTTORNEY GENERAL OFFICE stating repeatly that they couldnt get a hold of anyone to set up the home inspection which is a total lie, and now there telling me its too late to save my home with a sale date in XXXX, nonsense!!!
Consumer complaint received 2023-02-28
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. (NC)

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.
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (TX)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting that you remove the following items off ofm y Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX, IN XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$74.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$50.00} XXXX XXXXXXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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  In accordance with the Fair Credit Reporting Act section 605b, I am requesting that you please remove the fraudulent accounts and information off of my Credit File.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

To whom it May Concern I received a copy of my credit report. To my surprise you are reporting these accounts incorrectly. These Collections accounts is reporting not only as open but also shows a past due balance. According to the FCRA i have the right to a accurate credit report. Please remove these accounts immediately from my credit report. 
Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) you are required by federal law to clearly and accurately disclose all information in my file at the time of the request. Please respond with Verifiable proof of an original consumer contract with any signature that you have on file for the accounts listed. I am the victim of identity theft which resulted some accounts being opened in my name. I have filed a report with the federal trade commission and i reported the issue to the companies where opened. Please remove the following accounts which were opened by fraud within 4 business days per FCRA section 605B ( a ) 1. XXXX XXXX  XXXX # XXXX {$1100.00} 2. XXXX XXXX XXXX # XXXX {$420.00} 3. XXXX XXXX XXXX # XXXX {$230.00} 4. XXXX XXXX XXXX # XXXX {$3700.00} 5. XXXX XXXX XXXX # XXXX {$270.00} 6. XXXX XXXX XXXX # XXXX {$230.00} 7. XXXX XXXX XXXX # XXXX {$160.00} 8. XXXX XXXX XXXX # XXXX {$54.00} 9. XXXX XXXX XXXX # XXXX {$160.00} 10.XXXX  XXXX XXXX XXXX XXXX {$160.00} 11. XXXX XXXX XXXX # XXXX {$160.00} 12.XXXX XXXX XXXX # XXXX {$160.00} 13. XXXX XXXX XXXX # XXXX {$350.00} 14. XXXX XXXX XXXX # XXXX {$55.00} 15. XXXX XXXX XXXX # XXXX {$220.00} 16. XXXX XXXX XXXX # XXXX {$230.00} 17. XXXX XXXX XXXX # XXXX {$160.00} 18. XXXX XXXX XXXX # XXXX {$54.00} 19. XXXX XXXX XXXX # XXXX {$3600.00} 20. XXXX XXXX XXXX # XXXX {$160.00} 21. XXXX XXXX XXXX # XXXX {$6700.00} 22. XXXX XXXX XXXX # XXXX {$190.00} 23. XXXX XXXX XXXX XXXX  XXXX # XXXX {$620.00} 24. XXXX XXXX XXXX XXXX # XXXX {$330.00} 25. XXXX XXXX # XXXX {$5600.00} 26. XXXX XXXX XXXX # XXXX {$730.00} 27.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom it May Concern I received a copy of my credit report. To my surprise you are reporting these accounts incorrectly. These Collections accounts is reporting not only as open but also shows a past due balance. According to the FCRA i have the right to a accurate credit report. Please remove these accounts immediately from my credit report. 
Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) you are required by federal law to clearly and accurately disclose all information in my file at the time of the request. Please respond with Verifiable proof of an original consumer contract with any signature that you have on file for the accounts listed. I am the victim of identity theft which resulted some accounts being opened in my name. I have filed a report with the federal trade commission and i reported the issue to the companies where opened. Please remove the following accounts which were opened by fraud within 4 business days per FCRA section 605B ( a ) 1. XXXX XXXX XXXX # XXXX {$1100.00} 2. XXXX XXXX XXXX # XXXX {$420.00} 3. XXXX XXXX XXXX # XXXX {$230.00} 4. XXXX XXXX XXXX # XXXX {$3700.00} 5. XXXX XXXX XXXX # XXXX {$270.00} 6. XXXX XXXX XXXX # XXXX {$230.00} 7. XXXX XXXX XXXX # XXXX {$160.00} 8. XXXX XXXX XXXX # XXXX {$54.00} 9. XXXX XXXX XXXX # XXXX {$160.00} 10.XXXX  XXXX XXXX XXXX XXXX {$160.00} 11. XXXX XXXX XXXX # XXXX {$160.00} 12.XXXX XXXX XXXX # XXXX {$160.00} 13. XXXX XXXX XXXX # XXXX {$350.00} 14. XXXX XXXX XXXX # XXXX {$55.00} 15. XXXX XXXX XXXX # XXXX {$220.00} 16. XXXX XXXX XXXX # XXXX {$230.00} 17. XXXX XXXX XXXX # XXXX {$160.00} 18. XXXX XXXX XXXX # XXXX {$54.00} 19. XXXX XXXX XXXX # XXXX {$3600.00} 20. XXXX XXXX XXXX # XXXX {$160.00} 21. XXXX XXXX XXXX # XXXX {$6700.00} 22. XXXX XXXX XXXX # XXXX {$190.00} 23. XXXX XXXX XXXX col XXXX # XXXX {$620.00} 24. XXXX XXXX XXXX XXXX # XXXX {$330.00} 25. XXXX Account # XXXX {$5600.00} 26. XXXX XXXX XXXX # XXXX {$730.00} 27.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed inquiries will be removed immediately : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-25
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-02-25
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. (FL)

In accordance with the fair credit Reporting act .The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 


XXXX name : XXXX XXXX, account number XXXX XXXX account name : XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX name : XXXX XXXX, account XXXX XXXX name XXXX XXXX XXXX, account XXXX XXXX name XXXX, account number XXXX XXXX name dept of XXXX XXXX, account number XXXX, XXXX name dept of XXXX XXXX, account number XXXX XXXX name dept of XXXX XXXX, account number XXXX XXXX name dept of XXXX XXXX, account number XXXX XXXX name XXXX XXXX XXXX XXXX  account number XXXX XXXX name XXXX XXXX account number XXXX XXXX name XXXX XXXX XXXXount number XXXX XXXX name XXXX XXXX XXXX account number XXXX XXXX name XXXX XXXXXXXX XXXX XXXX, account number XXXX XXXX name XXXX bank XXXXXXXX XXXX XXXX account number 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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 seven years.

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.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-25
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. (CA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX BANK XXXX Balance XXXX : {$2800.00} ; XXXX XXXX XXXX Balance Owed XXXX {$10000.00} ; XXXX CARD XXXX Balance Owed : {$15000.00} ; XXXX OF XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00}.
Consumer complaint received 2020-04-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

A person came on the line and would not listen to what I was saying. I kept saying I disputed two collection accounts with them back in XXXX of 2019 but they showed back up on my credit bureau. I explained that XXXX and XXXX XXXXs and XXXX refuse to remove these items even though I have disputed and requested written validation that I owe these companies. These Companies state I owe a cancellation fee and this is not true. I cancelled my service within the 3 days that are allowed without being charged a cancellation fee. These companies refuse to provide proof BECAUSE THERE IS NO PROOF BECAUSE I CANCELED WITHIN THREE DAYS.