davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/year> - I sent {$2000.00} via XXXX to my friend XXXX. However XXXX did not recognize this transaction or the name of the sender, I am known as XXXX but my legal name is XXXX, so he reported it as fraud to his bank, Well Fargo. When we connected later on in the day and I verified the transaction was indeed from me, XXXX tried to call his back to cancel the fraud claim but was told that once a claim is initiated that its not possible to cancel the claim. 

XX/XX/year>- Wells Fargo withdrew {$2000.00} from XXXX account due to the fraud claim he initiated a few days prior and reversed the transaction back to my account. XXXX was told that itll take 10 business days for the funds to show up in the mine account XX/XX/year> - After numerous calls with Wells Fargo Customer Service, Fraud Department, Claims Department, and even speaking with a branch employee, XXXX and I were not able to track down exactly where Wells Fargo sent the money to nor were we able to find traceable reference numbers regarding the reversal. 

Original Wells Fargo Claim Number ( This is the claim number from XXXX initial fraud claim that he tried to cancel ) : XXXX New Wells Fargo Claim Number ( This is the subsequent claim number from when XXXX and I spoke with a branch employee ) : XXXX XXXX Transaction Reference Number : XXXX
Consumer complaint received 2019-05-16
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 — Problem with personal statement of dispute
Company: ERC (GA)

I filed a dispute against the collections agency ERC, back in XX/XX/XXXX on an account that they're reporting on all three of my credit reports. The first complaint is that they did not respond to my dispute within 30 days, I didn't get a get a answer until XX/XX/XXXX. Also in my dispute request, I requested that they send me a copy of signed documents by me proving that this debt is indeed my debt, which is my right. However, they sent me a letter stating the debt is validated by a bill, and they sent me the copy of the bill. No signed agreement or document. This is my debt, and this is not a accurate form of validation.
Consumer complaint received 2024-11-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX last 4 of SS # XXXX XXXX XXXX To Whom it May Concern : This letter is being sent to you in response to *Response to a listing on my Credit Report. 

Be advise this is not a refusal to pay but a notice sent pursuant to the Fair Debit Collection Practices Act, 15 USC 1692G Stating your claim is dispute and validation is requested. 

This is Not a request for verification of proof of my mailing address but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your if your offices have reported invalided information to any of 3 majors credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Practices Act, and Defamation of Character. 


I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or the debt. 

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I 'am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : *Agreement that you have authority to collect on this alleged debt. 
*Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
*Complete payment history on this account, to prove that the amount you wish to collect is correct. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validating period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalided. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodi
c statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2022-11-08
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. (IL)

I sent two separate handwritten, certified letters to Equifax. The first was sent XX/XX/2022. I disputed a charge listed on my report that is not validated. I sent a second certified letter XX/XX/XXXX, and they still have not removed the unvalidated charge. 

The charge has not been fully verified whatsoever. Equifax did not send the requested original contract I am purported to have entered into with the company listed on my report in error. 

Please help me make this correction, and either make sure that Equifax follows the rule they are required to by federal lay ( providing me the original contract with the debtor listed ), or deleting it from my report- also required by law if they do not comply with validation of the debt. 

Thank you! 
XXXX XXXX
Consumer complaint received 2024-09-12
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (GA)

I opened this loan with Exeter finance in XXXX of XXXX. Total amount was XXXX. I volunteered repossession of the vehicle in XXXX. Exeter closed my account XXXX. Exeter stated I owed XXXX on a car I payed 4 years on that started out with XXXX balance. Did any of my payments go towards the car loan out of XXXX 4 years give or take. Exeter sells my debt XXXX XXXX XXXX XXXXXXXX has the debt date amount listed wrong on my credit report they have as if I opened the loan XXXX thats not accurate. Vehicle was sold I was told by Exeter finance after repossession. I dont have any information on how much the vehicle was sold for no proof. Debt went from XXXX to XXXX. Im not sure of any accuracy with this debt. The dates are incorrect and amounts. I lost this car during the pandemic due to loss of job. I feel this company bought this debt they need to provide accurate proof of the debt and provide accurate information to the credit bureau.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (CA)

I was waiting for your response and never got there called to submit a dispute nothing was made not even the creditor help me in anything they say I am a victim of identity theft and that is it
Consumer complaint received 2024-09-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

XX/XX/year> XXXX separate chargers were made in the XXXX XXXX XXXX totaling {$4600.00} I was scammed by a person posing as law enforcement and immediately called Wells Fargo to stop the transactions and Wells Fargo claimed that they could not and would open a case for investigation. After the investigation concluded Wells Fargo decided that no fraud had been detected. Wells Fargo never activated fraud protection for my debit card.
Consumer complaint received 2024-08-28
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: EQUIFAX, INC. (MA)

Delete late payment I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENT DATES AND ACCOUNT NUMBER Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : XXXX XXXX Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. 
Status Updated : XX/XX/XXXX Balance : {$350000.00} Balance Updated : XX/XX/XXXX Recent Payment : {$5000.00} as of XX/XX/XXXX Monthly Payment : {$2500.00} Original Balance : {$390000.00} Highest Balance : - Terms : 30 Years Late Payment Date : XXXX ) XX/XX/XXXX Please remove the late payment for all inaccurate information, not update, update means the credit bureau is not working.
Consumer complaint received 2023-02-11
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. (NV)

Dear Sir/Madam, I hope this message finds you well. I am writing to kindly request your assistance in removing some information from my account. According to the law, medical bills under {$500.00} are supposed to be removed and it is a violation of my rights under 15 US code 1681 and 15 US code 1681b to have this information present.

Additionally, I would appreciate it if you could suppress any negative information and update the report accordingly. I understand that it is illegal to place a charge off on a report and send a 1099-C to the debtor.

Furthermore, I have noticed that the reporting across the bureaus is not accurate, and I kindly request that the information be removed immediately. I have attached the relevant report for your reference.

Finally, I would like to raise a concern regarding the difficulty in accessing my online account. I believe it is unfair to have to pay to see my own data, and I would appreciate if the Consumer Financial Protection Bureau could investigate this matter.

I would greatly appreciate it if you could attend to this matter as soon as possible. Thank you for your time and assistance. 

Best regards, XXXX XXXX XXXX Account Information : Original Creditor : XXXX XXXX XXXX XXXX Details : {$480.00} ( 0 % paid off, balance updated on XX/XX/XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Collection Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department ( status updated in XX/XX/XXXX ) Contact Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone Number : ( XXXX ) XXXX
Consumer complaint received 2024-11-16
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. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-16
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (WY)

My account at pnc bank was frozen due to an attempt to use my debit card by someone other than me. That was over 16 days ago. They set up a new account and this morning closed it. They transfered the funds from it into my old account and told me that they shut both accounts down. I have committed no fraud and I'm furious at my treatment.
Consumer complaint received 2023-04-26
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. (MI)

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights and I am aware as a natural consumer. 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. 

This Issue was resolved with XXXX. As a result the account was removed from my credit file, showing that you TransUnion are intentionally tarnishing my credit report, bringing me distress and embarrassment. I want the Account removed from my credit report immediately.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (IL)

On XX/XX/2024 my wages began being garnished by XXXX XXXX XXXX. I owed {$970.00} for a debt on my Military Star Card. Over the next few months my checks were garnished to satisfy the debt, however, there reached a point in which I began over paying the debt. 

- XX/XX/2024, I first made contact to XXXX to inquire about why I was still paying the debt. They replied that none of my payments were applied to my account. I called XXXX who has been sending XXXX the checks, and confirmed with them on the phone that they absolutely have been cashing the checks. 

XXXX XXXX XXXX makes contact with XXXX supervisor who then provided two emails to send proof of the checks a request XXXX made. XXXX sent over the copies, but XXXX claimed they could not open them. XXXX sent me the checks to send to XXXX. 

XXXX XXXX XXXX XXXXXXXX confirms the receipt of the checks and that they have located the checks, however, now they claiming they need my employer to reach out to them. At this point XXXX has all they need, and confirmed they have what they need to apply my checks to the account to stop the garnishment, but they are slow walking this. 

-Now they want my payroll to call XXXX XXXX for employment verification to stop a garnishment that has been overpaid. 

-I believe they are aggressively feeding off people who do not have the means to hire an attorney and after a certain time just want to stop the garnishment so they just pay it over the phone using a debit card so now they get additional money from the cashed checks they claim they cant find, but they now get more money from a debited account. I think they have found the perfect loophole to pay themselves and pray off of people that are not fortunate to do much about it. They are stealing from me at this point and they are fraudulently claiming my employer needs to reach out to them to stop the garnishment after finding the checks.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXXXXXX XXXX XXXX