davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX i had received a text message from my bank, Wells Fargo, asking to approve spending {$500.00}, i immediately responded, denying the allegation and stating it was fraud. on XX/XX/XXXX the charge posted to my account to when i called wells fargo to dispute the charge. once i got ahold of the fraud department they decided to tell me they denied my fraud because my card was inserted and my pin was used. which was incorrect because my card was at my house with me. i then went to my local branch where i had the XXXX AND regional XXXX working with me and contacted the fraud side of wells fargo again, yet again to no avail. so i took it into my own hands to go down to the XX/XX/XXXX convenience store where the charge came from to ask for the receipt and then the camera footage following the day and time stamp on the receipt. we received the camera footage to have found a man over XXXX foot XXXX and well over XXXX pounds wearing a hoodie sweatshirt with the hoodie on and wearing a face mask, go and purchase a {$500.00} prepaid card with a fake duplicate card of mine. we then took this evidence back to wells fargo and sent everything in, and again to them to not approving the fraud and stating it was me. i am a XXXX foot XXXX tall woman weighing XXXX pounds, not a male over XXXX foot XXXX weighing easily over XXXX pounds. i am devastated as i have been with this bank for over XXXX years. i have uploaded a photo of the transaction. i have a video of the entire transaction but the file is bigger than what your system allows me to upload. if i can email it or send it another way i would love too.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

I'm a victim of identity theft due to XXXX XXXX breach and XXXX XXXX XXXX XXXXXXXX breach. I didn't authorize these inquiries or accounts for as someone tried to benefit off using my social security number without permission or authorization see attached for identity theft report
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I've been trying to understand why my credit applications keep getting turned down, and I was shocked to find out that my credit report contains numerous inaccuracies and false information. Dealing with these errors has been incredibly stressful and has had a significant impact on my mental well-being.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. USAA is missing my positive payment history from two bureaus and needs to be updated immediately so that it is reflecting accurately. 

Acct # XXXX is missing my positive payment history from XXXX and XXXX and needs to be added immediately This account should be reporting identical accross all XXXX bureaus so that it is accurate and fair to follow the laws of the FCRA XXXX
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (CT)

On XXXX XXXX XXXXXX/XX/year>, around XXXX I attempted to make a XXXX XXXX transfer through the XXXX within M & T banking platform. The transfer was blocked and asked for me to call the customer service number. I thought it made sense since they probably just needed to confirm it was not fraudulent activity. When I called and provided all the information, the customer service representative started to ask questions regarding deposits made on my account. Which I answered, and they then started to question why I had checks made out to cash. Which has nothing to do with the call made in the first place. The last time I checked that was never an issue, and I explained it was how the person paid my husband. The customer service representative got aggressive saying why would someone make it out to cash, I mean I dont know, but they did and they can, then said we cant approve the transfer which I said it was fine, Ill make a check. We hung up the call, and when I tried to sign back in to my account, my account was blocked completely. Never was I told they were going to block my account after the call. I called again and they said they couldnt help me and I had to go to a local branch the following day. Ive never felt so violated because this is the only account I have, and Im left with no cash or means to access my account despite providing them all the necessary information. The app says to call the customer service number for assistance which I did several times and every time I tried to understand why they blocked my account they hung up the phone on me. As an owner to my funds and as a customer, Ive never felt so violated. I have XXXX children, I dont carry cash at home, what if I need my Funds? They blocked my account without giving me any information. I have a full time job, XXXX children to take care, and not sure when Im able to go to the branch. They should be able to provide details why they did this and not just hang out the phone on me.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-01
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)

The XXXX XXXX XXXX XXXX accounts and the XXXX XXXX XXXX account was opened as a result of identity theft. I did not open the account I filed an identity theft report and sent the information to the agencies I filed a dispute and the original account was removed. I do not know why it came back
Consumer complaint received 2024-10-21
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Onity Group Inc. (CA)

I requested the mortgage company ( NewRez, C/O XXXX XXXX  XXXX  | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ) add my mortgage to my credit report as I have never made a late payment. They stated that the home was discharged in XXXX and that they would not add it to my credit report. The home was NOT included in the bankruptcy XXXX years ago and I am still living in the home and paying the mortgage. The lack of reporting my mortgage to my credit report is making it extremely difficult to re-finance a new mortgage if I choose, I can not access my equity in my home.
Consumer complaint received 2024-08-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: MUTUAL OF OMAHA MORTGAGE, LLC (OH)

XXXX XXXX a XXXX XXXX XXXX XXXX completed a home appraisal for Mutual of Omaha to refinance my current home loan. The appraisal amount came in very low compared to the previous appraisal and online worth. When I looked through the report there were several errors on it. I asked my lender and was told to write up a list of the errors to validate that the low amount is inaccurate. And the lender also stated " this guy really screwed up '' He also stated the XXXX " did not do a good job '' After I provided to list of errors I was then told to call a local realtor and pretend I was interested in selling my home in order to get a market value analysis completed so they could use that for a reconsideration of value. I never received a correct appraisal form. Here is a list of things that was inaccurate. Also the homes he compared to had a lot less acreage. We have XXXX acres and the comp homes had XXXX, XXXX, and XXXX. Also the XXXX put we have XXXX acres. He also put we have XXXX bedrooms and we have XXXX. He said we have XXXX gravel driveway with no carports. We have XXXX main concrete driveway ( which is the one he used ) with XXXX gravel carports, and a XXXX driveway on the other side of the yard that is gravel. He stated we only had a concrete slab as a back porch with no front porch. Our front porch is concrete and its covered. Its in the pictures he took. He did not check mark the boxes that says we have microwave, washer, and dryer and we have all three. He only marked refrigerator and dishwasher. XXXXhe bedroom he listed in the unfinished basement is actually upstairs. The family room he listed upstairs is in basement. He put our upstairs bathtub doesnt work when he never asked or turned it on. It works fine. We have a sunroom the last XXXX ( in 2022 ) listed it as a den, its not even included/pictured in this new appraisal. He didn't include our half acre pond at all. It hasnt rained so the water level is low and the lender mentioned the pond he said it was just a " frog pond '' Its a half acre in size so should add to property value. The definition of a pond is " a small body of still water formed naturally or by hollowing or embanking '' I don't believe it is my job to research comparable properties for them to comp. The ones listed have way less land with it so their value is of course going to be lower than ours. I don't believe Mutual of Omaha or XXXX XXXX works with their consumers best interest. XXXX XXXX of Mutual of Omaha is the lender I was working with that stated our XXXX " did not do a good job '' and " really screwed up '' But no one is fixing the issues. So now we are out {$540.00} for the appraisal and such a low amount we can not move forward with the refinance we were using to debt consolidate and a new roof.
Consumer complaint received 2023-10-06
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. (MN)

I want XXXX XXXX, XXXX and Equifax to add and report the following personal information to my XXXX XXXX, XXXX and Equifax credit report : Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX, XXXX  XXXX ID Card Number : XXXX, Issued Date : XX/XX/XXXX, Expiration Date : XX/XX/XXXX, Home Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Phone Number : ( XXXX ) XXXX, Employer : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, Employer Phone Number : ( XXXX ) XXXX, Start Date : XX/XX/XXXX to present, Annual Income : {$85000.00} to {$150000.00}
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-17
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. (NV)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2023-04-09
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. (FL)

XXXX and transunion have put XXXX credit back on my credit file the court judgment was final in XXXX.They attempted to sue me and I had a lawyer they voluntarily dismissed the case and it was removed from my credit file. Now once again I see them back on my credit file this year reporting out of no where!! which has caused my XXXX XXXX to drop tremendously is what the intent of the collection agency to do. They tried to sue but I obtain a lawyer and the case was dismissed by them voluntarily how then are you sneaking it back on my report??
Consumer complaint received 2024-08-27
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. (PA)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Berlin-Wheeler, Inc. (Kansas) (RI)

Please be advised that this is my SECOND REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of the 15 U.S.C 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that the item is being reported correctly. What this mean is that your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you are NOT verified or you can not verify my account and under section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly delete all information which can not be verified.
Consumer complaint received 2023-10-06
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$880.00} ; XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX