davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023, I went into my local Wells Fargo branch to deposit a check into my bank account. The check was still attached to stub and I tore it off in front of the bank teller. After signing the check and giving it to the teller, she stared it and said " hmmm ''. I could tell that she was discriminating me due to the amount of the check and because of my ethnicity. She asked me why was I receiving a check of this amount and if I had any proof. I was clueless because I provided her the entire check stub which stated the origin of the check. 

The bank teller said she would have to verify the check and I would need to have a seat and wait. After about XXXX minutes, the teller said she verified the check and could proceed with depositing. I waited patiently while the teller deposited the check and then she again said, " you know what, let 's just get a XXXX ''. This is not my first experience being discriminated by Wells Fargo ( see CFPB Complaint # XXXX ). The XXXX came and signed off on things and I was provided a receipt with some of my funds available the next day and the remainder would be available in 3 days. 

The next morning, I awoke to a message from Wells Fargo that they were closing my account because they believed the check to be altered ( even though their teller and XXXX verified it ). I was in shock and called Loss XXXX, who stated they again needed more proof that I was the owner of the check. I took evidence from the payer of the check stating the check amount being sent to me and the purpose of my check which was CA XXXX Rental Assistance. My local Wells Fargo took the evidence and again made me wait. After XXXX minutes, the bank XXXX came back and said that Wells Fargo still does not believe the check belongs to me and would now need a notarized letter from the payer. 

Wells Fargo has put me through so much. I feel judged every time I walk into a location.
Consumer complaint received 2023-07-15
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. (AZ)

The XXXX XXXX XXXX garnished my paychecks in the amount of {$1800.00} starting on XX/XX/2022. The garnishment stopped on XX/XX/2022. I've contacted the company several times about this issue and they told me it would be removed from my credit once it was paid off and pay an additional {$94.00} court fee plus a processing fee of {$4.00}, which was paid on XX/XX/2022. I've asked for confirmation via email and they told me that I would receive confirmation after 30 days. After that 30 days, I didn't receive any confirmation nor was it removed from my credit report. I've contacted Experian on three different occasions to file several disputes on this issue. However, they were all denied, I've tried to submit proof of payment and kept denying me access to upload them. I even mailed the required documents to Experian as well and received the same response. I've even called them stating that I've paid the debt in full and the representative that I've spoken with told me it was denied because of the different account numbers.
Consumer complaint received 2023-07-15
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. (IN)

XXXX XXXX XXXX is trying to collect a debt that is not valid I have received a letter from them validating the dead XXXX thing I do not understand is how can you validate a debt with a electronic signature and say Im obligated just like a written signature I have providedA picture of my ID with my signature on it the signature and contract they sent me does not match my signature this account does not belong to me and I have no knowledge of it I would like for it to be removed from my credit report permanently and never to return Account number # XXXX Balance on this account is {$4100.00} And has also been sold to XXXX different creditors it states that in the letter I have received from them for validating the debt how can you validate a debt with electronic signatureRemoved from my credit report immediately That gives me great concern about the credit bureaus XXXX XXXX XXXX and Equifax or validating debts that they do no investigation on this is a violation of the fair credit
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed the inquiry 's on my report 4 mos ago I have XXXX inquiry 's without the permission of me. I 'm supposed to have a fraud alert on my report but they just keep letting anyone inquiry about my report. The alert says there supposed to contact me before anyone can see my report or score. I also never received a final decision on my disputes.
Consumer complaint received 2017-09-09
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. (NY)

I was affected by Equifax 's data breach. Equifax said the breach happened between mid-XX/XX/XXXX and XX/XX/XXXX. It discovered the hack on XX/XX/XXXX. However, Equifax only informed the public on XX/XX/XXXX. The  reporting agency has not only been irresponsible with my data, but also duplicitous ; they have know about this breach for over a month and ( to add insult to injury ) attempted to trick me into waiving my rights to sue them through their coercive " opt-in '' process when I went to check if I was affected by the breach. 

I am saving to buy a house, and have spent the last decade rebuilding my credit score. This mishandling of the breach is completely unwarranted and is wrong on the most fundamental level. By waiting over a month to announce the breach, they have robbed me of precious time to proactively set up a credit freeze. I can only imagine the horrors that will come from this breach in the future.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (DE)

I received a text message starting that there was a problem accessing a Chase account due to an issue with XXXX. I do not have a Chase account. My XXXX account is linked to a different bank and has no current or pending issues. The text message provided a link to undergo verification procedures and prompted me to respond with XXXX if I not longer wanted to be contacted. This is by far the most convincing text scam I have been sent.
Consumer complaint received 2023-07-15
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. (TX)

I receive a letter about my student loan being suspended, the credit bureaus Experian, XXXX, XXXX XXXX, will not remove this from my credit report and will not verify the letter I sent them all the letters also
Consumer complaint received 2023-07-15
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. (CT)

I have item on my credit that I have been disputing for over 2 years now. Ill dispute them and still see them on my history. Charge off and whatever companies are still trying to collect money when I keep telling them that the accounts are not mine. They even have me living in a State that I have never visited XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I have never lived at. I am frustrated and seem to not be getting any help to correct the situation.
Consumer complaint received 2017-09-08
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. (ME)

I learned that Equifax had a security breach and went to their website at https : //www.equifaxsecurity2017.com/ to determine if my information was compromised. I learned that based on the information I entered my personal information was compromised. I immediately called Equifax at XXXX and placed a 90 day fraud alert on my credit. I ca n't believe that the very company that is designed to safeguard my credit information and help me NOT get comprised is got compromised. I will continue monitoring my credit information and immediately dispute any changes to my report. I WILL NOT sign up for any service monitoring my credit with Equifax due to their negligence with my personal information and my lack of trust with them.
Consumer complaint received 2023-07-14
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. (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.

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 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-11-02
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL (NY)

I XXXX XXXX received a notice dated XXXX as stated on pay pal credit notice stating that adverse action had been taken on my account lowering my credit limit from {$2300.00} to {$320.00} ..i was unaware of the changes made to my account as i was not properly informed due to the delivery of the notification via email... i am enrolled to receive paper statements so i would think that the notice would be sent via the postal mail to my home address of the account but it was sent via email which caused me to have notice it 2 months later ..in the notice they stated they pulled my consumer report from XXXX on XXXX and came up with a credit score based off Information from a old report and made their decision. I did not give pay pal credit my consent to pull my consumer report and their actions is adversely ruining my reputation
Consumer complaint received 2017-09-08
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. (TN)

I told XXXX XXXX XXXX XXXX in XX/XX/XXXX that family members were abusing my social security number. XXXX XXXX XXXX confirmed this XX/XX/XXXX stating the family members are using a power of attorney without my knowledge /permission. Also XXXX XXXX XXXX transferred my loan in XX/XX/XXXX to XXXX. XXXX federal identification number was used, XXXX XXXX address in Texas was typed in. This was reported to IRS. IRS sent me a letter XX/XX/XXXX stating I am a victim of embezzlement. I was told there is property in Texas using my social security number. I sent you another identity theft affidavit certified, since you say you did n't receive the first one I mailed. In XX/XX/XXXXXXXX XXXX reported my loan to IRS in XXXX. Suddenly my loan is in Texas and the mortgages was being paid using The Tennessee Department of Labor funds, that was being directly deposited into my account and offset by XXXX XXXX XXXX allowed that did n't come to XXXX XXXX XXXX XXXX. My XXXX credit report reflects those payments in XX/XX/XXXXwhen I filed bankruptcy. The date of the loan was changed by family members to XX/XX/XXXX. If you need a copy please feel free to let me know via mail. I told you the family prepared my XXXX in XX/XX/XXXX after I was given an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the doctors office. In XX/XX/XXXX I filed a medical malpractice law sue. The attorney asked for XXXX dollars. In XX/XX/XXXX I received a settlement. Attorney XXXX XXXX XXXX filed the malpractice law sue as workman 's compensation and made my medical records public. I was laid off from XXXX XXXX XXXX of XX/XX/XXXX, a few days before you stated I was suppose to be notified of the transfer of the loan. As I 've stated I was under wage earner when this occurred. I was making payments to XXXX XXXX applied my payments. And reported to Transition credit on XX/XX/XXXX. XXXX XXXX was served a subpoena on XX/XX/XXXX to release me employee records and medical records to the courts. The company refused to do so. The case number is XXXX  XXXX, XXXX XXXX. XXXX XXXX XXXX. I 've reported this theft to the Tennessee Department of labor. XXXX XXXX XXXX did n't report my date to them. The family changed the date to get extensions using my social security number and account number to steal government funds. XXXX XXXX XXXX allowed this corruption. The family is involved in organized crime. These are very dangerous people, I stopped associating with them when I was much younger. I knew what they were capable of. No-one wants to listen to me. I never had an account to make payments to you using six digits in a wire check. You may want to to take me just a little more serious.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am disputing an open federal tax lien filed in XXXX 2010 citing the XXXX* rules ( the lien has no SSN number and no DOB ). * XXXX : Beginning XX/XX/XXXX, the bureaus will exclude all public tax lien and civil judgment data that do not conform to new reporting standards from consumers ' credit reports. According to the XXXX XXXX XXXX XXXX, new and existing tax lien and civil judgment data must include a person 's name, address and either a Social Security number or date of birth in order to be included in credit reports. Additionally, the credit bureaus must continually verify public record information by making courthouse visits at least every 90 days.
Consumer complaint received 2017-08-09
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)

Today I got a credit alert from Equifax and there was an alert that decreased my credit score. The alert was on an inquiry from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Utah, XXXX from XX/XX/XXXX ... Last time I checked it 's XX/XX/XXXX. I called the bank listed with the number provided. They checked their data base against my information and of course I did not show up in any of their departments due to the fact, I did not apply for credit with this bank. I believe Equifax and their employees are maliciously damaging my credit from previous complaints. They are adding accounts that are not mine, XXXX 's account that was allocated by the store of purchase to my ex husband, I have disputed. They fraudulently adding inquiries, they are fraudulently increasing my debt to credit ratio. Something MUST BE DONE! This is the third time I 've made a formal complaint, two to the FTC and one to the CFPB.
Consumer complaint received 2017-09-08
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. (VA)

Equifax allowed my personal information to be stolen through inadequate security measures on their end. The amount of leaked data has basically permanently destroyed the security of my credit - I can temporarily put a fraud alert on my credit but it could in theory be removed by someone with access to the stolen information. I 'm obviously not alone in this situation - more than half of all American adults are in the same boat.
Consumer complaint received 2017-09-08
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. (NY)

As of X/X/2017 and according to Experian 's website, my personal information was likely put at-risk in the recent data breach making me and my family, like nearly half of America, potential targets for fraud and identity theft. 

One direct cause of this breach was Experian 's decision not to properly secure their website and online data storage facilities. It is beyond maddening that in a world where my car has to meet certain inspection standards in order for me to lawfully operate it - Experian apparently does n't maintain similar standards - despite posessing almost all of my consumer and credit data.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I contacted XXXX to inquire as to why my credit card reporting status showed under adverse accounts on my TransUnion report.I was never late with the account. I was advised that the company closed the account and that is why it is reporting as adverse. I specified the company closed the account because I had to go through a credit counseling agency to get an interest reduction and the stipulation for the reduction was that the account be closed. XXXX would not negotiate a lower interest with me even though I was not late. I was instructed to dispute the account with the reporting agency TransUnion. 
I filed a dispute with TransUnion because XXXX stated they would not change the status. Initially, it appeared as closed. However, the completion of the investigation with TransUnion now shows the account is being managed by a financial counseling program. This addition to my report caused a decline in which my score went from XXXX to XXXX. If XXXX did n't have that notation on my credit report before hand why did they feel compelled to place it on my credit report now.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MI)

Ditech Financial is trying to charge me fees without any merit. They have, without informing me, changed my account number and caused my bank to send my electronic payment to the wrong ( original ) account number and now are charging me a late fee. There are also payments not showing up in my account with Ditech that my bank says Ditech accepted. I have attached the last XXXX correspondences from Ditech ( dated XX/XX/2016 and XX/XX/2016 ) and you can see the account number change..again, without my knowledge and causing me to incur a late fee even though payment was made on time, as it always is.
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc. (GA)

In XXXX of last year I moved out of the XXXX XXXX XXXX XXXX after living there for 2 years. I was consistent in paying on time every month. However in XX/XX/XXXX I received a move out balance of {$720.00} that I did not agree was owed. It included a late rent of {$200.00} dollars and I did n't even live there in the month of XXXX. I spoke to the property manager stating when I would bring In XX/XX/XXXX rent for those 5 or 6 days and she said ok. I left this apartment in the same condition as the apartment I moved into before I moved in the one left from and had not additonal charges for clean up of carpet or cleaning of stove. I requested the bill and pictures for the cleaning of the carpet and stove but never received. at the end of XX/XX/XXXX I lost my job and advised the property mananger that I would be will to pay but at the time was unemployed and was struggling paying the rent where I had recently moved. When I called back in XX/XX/XXXX/XX/XX/XXXX when I became employed again, hoping to resolve, I was told they sent it to a collection agency and i 've been attempting to get it resolved since. They have not sent the verification of debt and the 3rd party collection company that they sent it to National Credit Systems no longer takes my calls or responds to my letters but they are the ones still reporting the debt to the credit bureaus but refuse to talk with me. They sent it to an attorneys office and I 've asked them to verify and they sent me documents for another person named XXXX XXXX that live in a totally different state.
Consumer complaint received 2017-08-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (IL)

On XX/XX/XXXX I paid an online invoice I received via email for {$7500.00}. This was the first half deposit toward plumbing services. This was an ACH transaction leaving my account, going through XXXX with the ultimate destination of XXXX XXXX. The money left my account XXXX XXXX. As of today, XX/XX/XXXX, XXXX, whose account is at XXXX has yet to receive the funds. They have tried multiple times to locate them but XXXX says it ca n't find them. XXXX customer service says the transaction was rejected and they did n't get the money. I filed a claim with USBANK to revoke the payment and it was declined. I filed a second claim for a missing ACH transaction but the supervisor told me this was not correct and was going to be declined. I have the trace number of the transaction. No one at US Bank branches or telephone will help actually trace the funds. I have been in multiple times, made numerous calls and spent more then 10 hours trying to resolve this with no assistance. Each call I make I end up speaking with a different person, whom tells me a different story but the common denominator is everyone says they ca n't help. I have been told that XXXX needs to have XXXX trace the money. But, XXXX says it never hit their system so ca n't locate it. None of the banks- XXXX , USBANK or XXXX ' bank have been helpful thus far.