davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (CT)

I have both a personal checking and savings account with Wells Fargo. I opened my savings account to transfer funds into it each Friday to have the funds available to pay miscellaneous tax bills ( vehicle tax, municipal sewer, etc. ). 

The savings account is subject to a monthly {$5.00} service fee, subject to a few conditions which cause the fee to be waived. XXXX of those conditions- as outlined to me when I opened the account- is to have {$25.00} in monthly transfers. My weekly transfers were approximately {$16.00} each, causing me to easily hit the {$25.00} threshold for the first few months the account existed. 

Beginning in XXXX of XXXX, my account began to be hit with monthly {$5.00} service fees. When I visited a Wells Fargo branch in XXXX to inquire as to the fees, the banker I spoke with expressed that she was under the impression that my account should not be accruing fees due to the additive total of the transfers. She called what I am assuming is Wells Fargo 's internal helpline, and was informed that the {$25.00} was no longer additive for the month, but that there now had to be at least XXXX transfer during a month that was greater than or equal to {$25.00}. 

The banker was very apologetic to me, stating that she would have still been under the impression that the fees were still calculated the way they had been previously had I not brought it to her attention. She kindly refunded the XXXX  months of fees that I had been assessed ( {$15.00} in total ) and offered to file a complaint on my behalf. 

I have yet to hear from Wells Fargo concerning this matter. The funds were refunded to my account and made available sometime between XX/XX/XXXX and XXXX ( the funds were pending for a while over the XXXX holiday and I was traveling so I was not able to check regularly ).
Consumer complaint received 2024-01-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Did a consolidate loan with truist bank on XX/XX/2023 located @ XXXX XXXX XXXX XXXX XXXX florida XXXX. Up on signing off on the loan I discover that one of my credit card was close without my knowledge and did not request at any time for it to be close by the bank. What truist did was misleading information to me while I was signing off on this consolidated loan and change up the interest rate on me. 

I try to speak to miss XXXX XXXX who did the loan application nothing good happen then she turned me over to the branch manager who knows nothing. 

Thank you XXXX XXXX.
Consumer complaint received 2024-08-23
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. (TX)

Hello, these items that resulted from fraud which I never benefitted from still appears on my credit report. These are already deleted by both XXXX and XXXX and blocked from reporting these fraudulent accounts. These has been already reported to the Federal Trade Commission but nothing is removed which is absolutely stressing me out, this is a blatant violation of my consumer rights.
Consumer complaint received 2024-01-08
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. (PA)

I have notified Experian multiple time regarding Identity Theft, I have sent FTC Id Theft Affidavit, Police reports and Copies of the original creditors that states that the account are fraudulent via certified mail XXXX however, Experian continues to ignore my request for blocking the fraudulent accounts as required by FCRA section 15 USC 1681 Experian continues to say that I obtained good and services without proof, those allegations are defamatory. I will attached in this compliant the letters from some of the creditors. XXXX. XXXX XXXX email XXXX XXXX. XXXX Bank which the account got sold to XXXX and XXXX Bank which account got sold to XXXX as well. 

Experian is clearly violating the law with complete disregard ( XXXX ) In general Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall.

in wich case i have Done so, however, they have said that i obtained goods and Services with no proof. Defaming me. I will consult with an attorney if this is no solved in 10 days
Consumer complaint received 2023-09-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

I received a car insurance claim payout from XXXX to my Venmo account to amount of around {$6500.00}. After receiving the payout they froze the account. They have given me no reason as to why the account was frozen and said I would receive an email concerning the situation in 7-10 business days. I never would have had the money deposited onto Venmo had I known there was a possibility of them freezing my account for absolutely no reason. Because I was unable to access my funds to buy a new car I lost my job which was very well paying relative to my past jobs. Venmo continued to hold this money and now I am unemployed without income and without transportation, and now face eviction. Venmo literally ruined my life.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This account and many others are not mine that are reporting I have made many attempts with different disputes. All were over looked now I had to go all the way to the extent to file a police report which is provided below to have these things removed to prove they are not mine. 

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 XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer Lam demanding the deletion of the accounts listed Immediately.
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Aspen Yo LLC (VA)

original complaint : XXXX Company lied in there response and is still ignoring me. My insurance just defaulted again this year XX/XX/2023 for non payment. 

I am being forced to pay the late fees. 

They are using the bankryptcy excuse to ignore me. 

I will have the home insurance company be the first to testify about this issue. So the mortgage company can keep lying as long as its to a judge i dont mind anymore/ I now have two home insurance defaults due to the mortgage company not paying at all or on time.

I am being forced to pay all the late fees and the home insurance twice out of pocket so my insurance isnt turned off.

i have all copies of the defaulted documents and all phone calls are recorded with the home insurance company. 

XXXX XXXX LIED IN EVERY RESPONSE. 

original complaint : XXXX STILL STANDS. THEY IGNORED THIS WITH EXUSES AND LIES WHICJ I CAN NOW PROVE IN A COURT ROOM.
Consumer complaint received 2024-08-23
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. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries on my credit report and inaccurate information on my account. This information is not mines and need to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed. 
Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus. 
Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 

Thanks in Advance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Subject : Formal Demand for Removal of Fraudulent Credit Information To Whom It May Concern, I am writing to demand immediate action regarding fraudulent entries on my credit report. My personal information was illegally compromised on the dark web, leading to unauthorized transactions and the creation of accounts without my consent.

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Michael J Adams PC (TX)

On XX/XX/XXXX a legal hold was placed on my account. On XX/XX/XXXX I realized this. They held {$190.00}. On the XXXX my payroll check was deposited, that took {$1400.00}, did not leave me a XXXX to live on. I have signed a payment arrangement with them on XXXX XXXX and they still have not sent the release paper to my bank. They have recieved more than enough to cover first payment. Now I can not reach them. I have left numerous voicemails cause thats all you get and have sent just as XXXX emails, no answer. I need the hold removed and my funds returned so I can pay my rent.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MI)

Chime Bank otherwise known as XXXX, XXXX. has taken {$3000.00} from my main checking account on XX/XX/XXXX. my balance was XXXX then I withdraw money at the counter of a local bank with debit atm card for {$3000.00} and had a remaining balance of XXXX, two hours later my account with overdrawn with a balance of - {$1500.00}. I did no additional transactions in that time. I called chime to report the issue on XX/XX/XXXX they agreed something was incorrect and I shouldn't be overdrafted. They said they would follow-up in 24-48 hours they never did. I called Monday XX/XX/XXXX and they informed they had to escalate the issue to a back end department due to it being a " glitch '' on chimes end. The informed they have 2 systems, one customer facing and the other a back end system. The back end system reflects my true balance of {$5500.00} but it's not updating on my end. I can only see that I have XXXX, and I can only access that much. They informed me again someone would be in touch via email regarding the issue. They confirmed they had the correct email. I then called back XX/XX/XXXX and they informed they escalated it again and someone would be reaching out in 24 hours. I never received anything, so I called again today XX/XX/XXXX and spoke with multiple supervisors who informed there is nothing they can do to resolve it, their back office has to review it and contact me. I was very upset and told them this back end office has never reached out, I have no updates or timeline when I will get my money back. I XXXX XXXX XXXX XXXX XXXX XXXX this situation has crippled me financially and chime/XXXX  seems to not even care.
Consumer complaint received 2024-01-03
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/2023, I bought a prepaid American Express gift card for {$310.00}. I paid the extra {$5.00} fee, so that was {$310.00}. I called to activate it, and attempted to use it multiple times. Very shortly after, it had two major payments used that werent me. I called and asked for a check refund several times, or a replacement card. I bought this gift card from my local XXXX, and have had issues with my money being stolen off my card before. I never used any of the money on this card, and it was entirely stolen by American Express. I called several times to get answers, and they had no explanations. I was put on hold for hours at a time. Im just looking for a reimbursement check.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION (FL)

I received a text from my bank 's fraud department, asking me to verify 2 identical transactions. I let them know they were not my transactions. They stated an investigation would be done and my money refunded. The 2 charges were not refunded and they posted to my account. The 2 transactions were {$91.00} for a XXXX purchase. Totaling {$180.00}. Those transactions caused me to be late on other financial obligations. They canceled my debit card.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I mailed out Notarized letters to all three credit Bureaus and requested XXXX, XXXX, and Transunion delete my child support accounts from my credit file as soon as possible. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 

According to the case law XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX judgments are not considered credit transactions, and it is illegal to report them on a credit report. 

based on case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and caselaw XXXX XXXX XXXX XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, child support accounts are not credit transactions and they are judgements. 

These accounts are in violation of the FCRA laws of 15 USC 1681 ( a ) ( 2 ) that requires credit bureaus to maintain accurate and reliable records. 

I requested theses violations be deleted immediately and a written confirmation within 30 days. 

There responses was that those accounts belonged to me, again they are also in violation of 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. which I requested them to provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX Balance : {$7400.00} ; XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-01-03
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: EQUIFAX, INC. (MD)

To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING.

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report 4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/2022 Please remove this inquiry from my credit report 5. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXXXXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report.

6. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX XXXX  Account Number : XXXX Please UPDATE this late payment in my Credit Report.

7. 15 U.S. Code 1681a ( 2 ) ( i ) this account is in violation. Under 15 USC 1666B this is a billing error always paid as agreed on time. 
XXXXXXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

8. Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. 
XXXX Account Number : XXXX As a consumer by the law This account must deleted immediately.

9. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXXXXXX XXXX  Account Number : XXXX  Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

15 U.S. Code 1681e ( b ) 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. 
I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 
Thank you, XXXX XXXX