davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SC)

I have two issues. Inherited my home from my Mom in XXXX when she passed. Soon after the death I became gravely ill and the house was mold infested. XXXX XXXX hit and I was effected.severly by it'.My inherited home currently in foreclosure and Wells Fargo says it no longer can help me.. I want to keep my home. I am XXXX. 

The second issue I had is regarding my father I. Which I am executor of the estate of both my parents. XXXX around XXXX, XXXX Wells Fargo repossessed my father car after theXXXX  dealership swindled him out of his XXXX XXXX XXXX that had only XXXX original miles on it... Then repossessed his car claiming he was too old. All while Wells Fargo knew he had a savings account at Wells Fargo with nearly XXXX XXXX dollars in. It.. wit regular banking habits
Consumer complaint received 2023-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

I am writing to file a formal complaint against Cash App regarding unauthorized transactions and the subsequent withdrawal of funds from my linked debit card. The purpose of this letter is to seek assistance in resolving this matter and to address the financial strain it has caused. 

On XX/XX/XXXX, I discovered that my Cash App account had been compromised, leading to unauthorized withdrawals from my attached debit card. The culprits utilized XXXX to withdraw funds from my Cash App account without my consent. I want to emphasize that I did not authorize any of these transactions. 

The unauthorized charges occurred on the following dates and amounts : XX/XX/XXXX : {$58.00} XX/XX/XXXX : {$180.00} XX/XX/XXXX : {$300.00} Furthermore, there were multiple unsuccessful attempts at transactions that were made, indicating further suspicious activity. I promptly contacted my bank, seeking assistance in resolving this matter. Regrettably, I was informed by my bank that it is the responsibility of Cash App to address this issue, leaving me in a precarious financial situation. 

The unauthorized access to my account and subsequent fraudulent transactions have caused significant distress and financial hardship. I am seeking your intervention in this matter, as I believe Cash App should be held accountable for the security breach and the resulting financial loss. I kindly request a investigation of this complaint and ensures that appropriate action is taken to rectify the situation.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 number : XXXX, Account name : XXXX XXXX XXXX has violated my rights. 
- Account number : XXXX, Account name : XXXX  has violated my rights. 
- Account number : XXXX  Account XXXX : XXXX  has violated my rights. 
- Account Number : XXXX, Account name : XXXXXXXX XXXX has violated my rights - Account number : XXXX, Account name : XXXX XXXX has violated my rights - Account number : XXXX, Account name : XXXX XXXX XXXX XXXX has violated my rights I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2022-10-04
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: TRUIST FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Consumer complaint received 2022-10-03
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: Early Warning Services, LLC (TN)

In XX/XX/2022, I requested my consumer report from Early Warning. On XX/XX/2022, Early Warning sent my consumer report labeled as " Comprehensive File Disclosure. '' After reviewing and seeing all my information that Early Warning has been providing to financial institutions, Early Warning is committing identity fraud and violating privacy protection for consumer information. Early Warning has not received written permission from me to disclose such information. I have no contract or agreement with the company to furnish my personal information ( name, SSN, address, phone number, Drivers License #, and banking information ) to any person or corporation.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I and my Fianc have been clients with XXXX XXXX with separate accounts we understand that XXXX XXXX has mistreated all clients and are suppose to pay accordingly we have had accounts with XXXX XXXX since XXXX. XXXX XXXX affected my XXXX XXXX multiple time and my credit ratios by reducing my credit limits when I have 100 % payment history of paying on or before time. They would arbitrarily reduce my credit limit messing up my ratios causing other credit card companies to reduce my credit limits further messing up me ratios forcing higher interest rates on me because of my lower XXXX XXXX.
Consumer complaint received 2020-06-18
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. (NM)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, TRANSUNION, & XXXX have been reporting inaccurate information on my credit reports. I am a victim of identity theft and my problem has not been resolved. I filed a Federal Trade Commission 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WV)

Me and my wife had a account checking and savings is was supposed to been the if you do ten transactions no extra charge we brought it up to them but they would always have some other excuse and they was very rude on a lot of occasions we would be charged double of a overdraft fee they was supposed at least once a month give are money back from a atm fee if we did not use one of theirs because where we live there is no wells Fargo bank we would have to drive 2 to 3 hours away they stopped doing the give the atm charges because of we would talk to someone who would tell us they couldn't do it but we new better.
Consumer complaint received 2023-05-16
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My XXXX XXXX Balance is still reporting incorrectly on all 3 credit Bureaus for the sum of {$3200.00}. The correct balance should be {$1400.00}.
Consumer complaint received 2023-01-21
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. (NY)

This complaint is about incorrect and misleading reporting on my credit report by Experian. 

Complaint # 1 On my credit report Experian is reporting that I am 120 days late in XXXX with XXXX XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX its been reported as ( NR ) which means not reporting. How can I be late for 120 days in XXXX but the four prior months nothing has been reported. Also, from XX/XX/XXXX to XX/XX/XXXX is all blank. 

Complaint # 2 XX/XX/XXXX and XX/XX/XXXX they have me current on with XXXX XXXX  XXXX. XX/XX/XXXX they have me as 30 days late, XXXX  60 days late and in XXXX  90 days late. How can I be late a total of 180 days from XX/XX/XXXX to to XX/XX/XXXX? Their 's no way that I can be late 30 days in XXXX if XX/XX/XXXX and XX/XX/XXXX I am current. 
XX/XX/XXXX to XX/XX/XXXX they have ( NR ) which means NOT REPORTING. 

Complaint # XXXX XX/XX/XXXX to XX/XX/XXXX they have nothing reported on credit report with XXXX XXXX  XXXX, its blank. In XXXX its reported 30 days late, XXXX  30 days late and in XXXX  60 days and in XXXX  90 days late. How can that be right? How can I be late 210 days 8 months? When XX/XX/XXXX to XX/XX/XXXX have no reporting. 

Complaint # XXXX XX/XX/XXXX Experian reported ( NR ) which means not reporting. XX/XX/XXXX Experian reported current with XXXX. From XX/XX/XXXX to XX/XX/XXXX everything is blank. 
XX/XX/XXXX to XX/XX/XXXX Experian I was current. In XXXX Experian have me 60 days late. How can I be 60 days late XXXX when I current from XX/XX/XXXX to XX/XX/XXXX. 
From XX/XX/XXXX to XX/XX/XXXX Experian put ( NR ) which means no reporting. 
XX/XX/XXXX I was current. XXXX to XXXX Experian have ( NR ) which means not reporting. All these reporting makes no sense. I have tried many times over several weeks, asking Experian to delete all incorrect and misleading reporting on my credit and they literally ignored my request. Like I said it previous complaint, this is taking a toll on my and my family. I can't apply for certain jobs. I am having a hard time finding apartment in certain neighborhood.
Consumer complaint received 2023-01-22
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. (PA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX 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 2024-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (OK)

I opened a POWER PAY account, loaded it with {$40.00} for a rental account I have emails for the opening of the account, and paid over phone with rep. 

NEVER OPENED ANY EXTRA ACCOUNTS AT XXXX for service. Never paid any deposits. Nothing, PULL ANY AND ALL CALLS MADE FROM XXXX follow up on my investigation opened thru XXXX. BUT I DO NOT OWE THIS XXXX BILL.. 

And I WILL SUE if you all continue to be on my credit and attempt any collection on a fraudulent debt.
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (VA)

I signed up for a checking account with a promotional offer with BMO Bank. The promotional website stated that if I call and speak with a banker by XX/XX/XXXX, I was eligible for a {$100.00} gift card. I called on XX/XX/XXXX. I was hung up on the first call when I was told I would be conned to a banker. I called back and was told I was going to be connected to a banker and was on hold then placed back to the start menu where you first call and have to get to the correct department. The customer service agents did not know about the promotion or how to get me to a banker. I had to wait a total of almost an hour and finally after being told I would be connected to a banker the third time and was sent back to the start menu I hung up. I sent a letter in the mail to their complaint office still no response. I also wrote a direct message on the account a couple days later and they claim they couldn't give me the offer becasue it was after XX/XX/XXXX. They never acknowledge they hug up on me 3 times on XX/XX/XXXX when I called for the promotional offer. They say the calls are recorded so they wont acknowledge they hung up on me 3 times. There are other people who attempted to get the same bonus and customer service didn't know how to give the promotion and kept returning them to the start menu after promising they would connect them to a banker. This is false advertising. I would like the gift card or a credit to my account because that was the promotion they posted on their website.
Consumer complaint received 2022-10-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (IL)

I previously submitted a complaint on XX/XX/XXXX that I initiated a consumer credit transaction at XXXX XXXX on XX/XX/XXXX with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything. 

GM previously responded back as if I my complaint was about a inquiry ( which it should be ), it was not ; and that I had applied for a XXXX XXXX XXXX this consumer transaction. My credit application was initiated on a XXXX XXXX XXXX XXXX XXXX. My main focus is that this was a fraudulent transaction. GM Financial is in violation pursuant to 15 USC 1642,15 USC 1681m and CFR 1002 because I the consumer initiated a credit transaction in good faith, but credit was not issued.

Furthermore, this is violation of 1602 ( p ) because my SSN ( credit card ) was used and I received no benefit. This is proof of fraudulent activity ( unauthorized use of a credit card ) on GM 's behalf.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2020-04-24
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: Santander Consumer USA Holdings Inc. (CA)

There stating on my report where everyone sees that I owe this money to sandtander well that's not true I sent it back an also XXXX I never ordered that I've had people call me up an ask me if I ordered XXXX  I've never have an I'm XXXX an I don't want this XXXX other people got my social security number from some where cause 2 yrs ago I had a police officer tell me over the phone that I did something wrong then realised how could I have if I'm in XXXX an this happened in XXXX XXXX an I was in XXXX  for a XXXX so yeah I want this stuff off my report I'm tiered of this I can't get any thing I'm so angerie so I'm telling u that the names also on the report I no how to spell my name this is rediculise I'm embarrassed of this XXXX but I shouldn't be I didn't do this I want it off my number is XXXX XXXX call me tell me what's happening XXXX im innocent .thank u XXXX XXXX