davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I went into the XXXX MN Wells Fargo branch. I spoke with XXXX XXXX about a garnishment that was taken from my account on XX/XX/2023 for {$61.00}. I provided him with an exemption form that was filled out proving my exemption from garnishment. He said not only did he not want to take any forms from me but I'm not allowed to speak with the legal department. He asked me to wait in their waiting area and said he would contact the legal department. He then came back and said if I wanted to give him any forms to submit to the legal department he would do his best to TRY to get it to them but could not guarantee me that he would. I also said I do not want to see any NSF fees applied to my account because of this unlawful garnishment. He told me he could do nothing about that. I have now figured out how to contact the legal department at Wells Fargo. I submitted a complaint with them that they never served me with documents to prove my exemption and that they unlawfully allowed an exemption to be taken. The legal department at Wells Fargo said based on my exemption they received on XX/XX/2023 it should have been reviewed immediately and my account should have been refunded the garnished amount. If that were to have happened I would not have XXXX NSF fees applied to my account for other transactions processed through my account. So now I have XXXX {$35.00} NSF fees applied as of XX/XX/2023 because this garnishment made my account negative so that the other transactions were not covered. The legal department told me I'd be on my own to dispute that with customer service. My account is currently at - {$130.00} and I can not get anyone to help me. Not the bank or the law firm who served the garnishment request on the bank.
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: Experian Information Solutions Inc. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-17
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. (TX)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2023-06-05
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. (CA)

THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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/updated. 

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 periodic 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. 

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!
Consumer complaint received 2023-10-20
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)

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

1. DPT EDXXXX / Account # : XXXX has violated my rights. 

2. DPT EDXXXX / Account # : XXXX has violated my rights. 

3. DPT EDXXXX / Account # : XXXX has violated my rights. 

4. XXXX XXXX XXXX / Account # : XXXX has violated my rights. 

5. DPT EDXXXX / Account # : XXXX has violated my rights. 

6. XXXX / Account # : XXXX Wrong Name And Addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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 2023-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX
Consumer complaint received 2024-09-17
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. (TX)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have checked my credit report and saw these inquiries that I did not authorize and wanted these items to be removed from my report. Below are the inquiries XXXX 1. XXXX, Inquiry Date : XXXX ( The inquiry was not authorized ) 2. XXXX XXXX XXXX , Inquiry Date : XXXX ( The inquiry was not authorized ) 3. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) XXXX XXXX, Inquiry Date : XXXX ( The inquiry was not authorized ) 5. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 6. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 7. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 8. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 9. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 10. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 11. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 12. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 13. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 14. XXXX XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 15. XXXX XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 16. XXXX Inquiry Date XXXX XXXX ( The inquiry was not authorized ) XXXX 1XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 2. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 3. XXXX XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 4. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 5. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 6. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 7. XXXX XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) XXXX 1. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 2. XXXX Inquiry Date : XXXX ( The inquiry was not authorized ) 3. XXXX Inquiry Date : XXXX ( The inquiry was not authorized )
Consumer complaint received 2024-09-17
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. (TX)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2023-06-05
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. (GA)

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX XXXX inquired on XX/XX/2022 and XXXX XXXX  inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: COMMERCE BANK (OH)

On XX/XX/XXXX, the card was approved. Without warning. 10 days later on XX/XX/XXXX, it was denied. It was a {$1000.00} limit. I had to pay cash at XXXX because I was given a bait-and-switch card. After 2 days on hold with support, they told me that " bad financial information was given '' in error. 

20 days later, they had notified me of closing the account by sending a letter, denying any wrong-doing whatsoever. 

I had called the lady responsible for Commerce Bank 's credit approval and denial, and they gave me an XXXX XXXX excuse as to why they denied it, citing made-up people on my file that wasn't even there. They tried to pass the buck to XXXX and anyone they could. 

Upon calling back to follow up with XXXX and XXXX, they said my credit score was fine and in good standing. 

The credit reviewer said they would " take a look '' at this deceitful company and try to get even MORE information out of me, sending me a selfie and photo ID and driver 's license which I flat out refused and declined to do. 

Is there anyone willing to help with this?
Consumer complaint received 2023-10-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

This is about Wells Fargo I have a checking account with them and Im consistently calling them because they always put overdraft fees on my account even though I have the money to cover it. I Have called them multiple times due to them freezing my account to these overdraft fees since Ive had Wells Fargo checking account but this last time I got fed up with them, I called yesterday XXXX XXXX because I noticed overdraft fees on my account XXXX XXXX XXXX and the dates on there I had money in my account plus I get direct deposit from my job the dates were XX/XX/XXXX on one and XX/XX/XXXX on the other overdraft fee I had just received a payment of XXXX plus my daughter sent me XXXX to my account plus I had XXXX dollars direct deposit in my account right around the times that those overdraft fees were for so why are they charging me overdraft when I had money in my account so I called them and they do not listen to what I am saying plus the took off my overdraft protection without notifying me how can they do this my daughter works at a bank and she told me they can not stop your overdraft protection unless you tell them to or you close your account I never told them I want the overdraft protection off my account im so upset with Wells Fargo they want to do what they want to do and not what the customer wants and thats not right that they can make changes to peoples bank accounts without notifying the customer and these overdraft fees when people have the money to cover it
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: Experian Information Solutions Inc. (GA)

I dispute the following hard inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Since XXXX  I am being harrased by the creditor mentioned I called them and every time I call I get an XXXX person I asked for a manager he says he is the manager so I decided to ask the credit agency to investigate the issue no response never get anything thn I call XXXX months later and nada I send the documents again I get a notification saying investigation closed and verify as accurate I m sick of this game please please help me
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Credit Karma (AL)

On XX/XX/2023 I received a guarantee offer from credit karma stating that I had outstanding odds that Ill be approved for receiving a credit card. It stated that if I was denied I would receive {$50.00} within 60 days. I applied for the card believing in the outstanding odds or exceptional odds only to be denied and my credit score was affected. I received and email the same day about the denial and that I qualified for {$50.00} just follow the steps to accept it. I did what the email stated and was told Ill receive {$50.00} pre paid or gift card within 60 days and havent yet. I contacted credit karma several times after the 60 day mark and each time they stated let the investigate the matter. I sent email confirmations of the offer received from them, the date, and the company to which I was denied. All Ive gotten is the run around or no response after they so call stated they was sending it to upper management. I was even told Ill have to contact the company XXXX about the {$50.00} because it would come from them. I contacted the company and they stated they had no information about me nor no information about a gift or pre paid I was said to receive. Credit karma is doing fraud practices by luring consumers inti applying for a card and stated the will be approved and if not they will be guaranteed to receive and {$50.00} offer. Then they act as if they do not know anything about it after your credit is ruined by their false advertising and putting consumers in an even worser situation with their credit for their own personal gain with the credit card companies. Their should be a class action lawsuit about credit karmas misleading practices and I want to be apart of it. Because if they will be dishonest about a situation of such degree involving your credit they shouldnt have a company with the access of millions of individuals personal information because now they arent to be trusted. They are running a scam to get people to apply for credit. My name is XXXX XXXX XXXX XXXX
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
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: Experian Information Solutions Inc. (WI)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ( Original Creditor : XXXX ) XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX