davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo owes me compensation for my accounts that had excessive overdraft and insufficient funds, this is an account that had been closed with them. I called customer service to alert them that I had a new address but the lady who answered didn't seem to care and didn't take my information. These account also had ID theft in it. Please give compensation from lawsuit for the unethical practices.
Consumer complaint received 2023-12-28
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. (VA)

My Hard Inquiries are not correct. I have never requested credit from XXXX XXXX XXXX XXXX ( after my account was already opened )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

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 anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-08-05
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. (CA)

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$260.00}
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Ive received my dispute results from Experian and I noticed that they removed my positive account bearing the same account number as the negative ( XXXX )? Why not delete both? If one account is inaccurate/unverified, so is the other? Ive attached my account ( the only one I have ) from XXXX and XXXX showing that I only have one account and its positive! Ive also attached a copy of the denial letter I received due to the inaccurate and unverified reporting from Experian. My ask is simple, please delete world finance co from my report? This account is damaging my credibility, reputation, and screaming defamation! Mistake happened, lets just fix it, thanks in advance!
Consumer complaint received 2024-08-05
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. (MD)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The collection accounts on my credit report is fraudulent and do not belong to me i have recoeve no communication from these companies about me owing a debt. I have no affiliation with avana. 

According to the FCRA ; The credit bureaus are reporting inaccurate information on my credit report their is a collection that is reporting as opened.. Company XXXX XXXX been reported as opened, XXXX XXXX XXXX.
Consumer complaint received 2024-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp. (GA)

Absolute Resolutions XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Absolute Resolutions is fraudently reporting incorrect information on all 3 of my credit reports. Secondly, XXXXXXXX XXXX XXXXXXXX sent me to court for this debt and in court it was agreed to a settlement offer of XXXX, on which I had already paid XXXX dollars. Well, upon me paying XXXX plus the XXXX dollars I had already paid, that left me with a balance of XXXX. I reached out to XXXXXXXX XXXX XXXX, as well as Absolute resolutions to finalize the debt of XXXX dollars, and both companies refused the money. It was refused because they kept insisting that I owed XXXX more dollars, and I knew I did not. That was not the agreement in court and absolute resolutions and XXXX XXXX XXXX are trying to strong arm people into paying something totally different. I tried to resolve it, but greed is wh at has us here today. I am not paying another dime for an account that not only XXXX XXXX XXXX XXXX XXXX closed, but the judge gave a direct order as to how much should be paid. XXXX is a long way from XXXX dollars. I'm also disputing this account because the date opened was XX/XX/XXXX and not XX/XX/XXXX. The date reported XXXX XX/XX/XXXX is also not correct. Absolute Resolutions and its entities, are practicing and reporting fraudulent information on my credit reports. Not only is the date opened wrong, but their is no balance. I really would like to know why an account opened in XXXX, is still reporting every month on my credit report as up to date. 
At this point, since absolute resolutions refused payment to resolve this account when I offered, I owe you NOTHING. I have paid all I'm going to pay, this account is too old and absolute resolutions is still reporting it incorrectly after Ive sent documents and disputed this account. I'm asking that this account be deleted from my credit reports for unfair practices from absolute resolutions, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-28
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. (MI)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-12-28
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. (FL)

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.

has violated my rights. Or a list of inquiries : 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 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Upon checking my credit report on Equifax XXXX XXXX XXXX  with the account number ending XXXX is listing the account as paid as agreed but in the payment section in XXXX it reported me as being 30 days late and then in apr they reported me as being 60 days late that is a direct violation of the fcra rules it can't be paid as agreed and show late payments also
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

The day XX/XX/XXXX I had a check from my friend who owe me money on my city bank account for XXXX dollars the next day my account was blocked so me and my friend went to the branch to proof the transaction was legit first of all the employees they dont want to help us then they took our information and they told us my account was under investigation so is been already XXXX weeks and nobody have contacted me back
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (MS)

I'm currently a victim of credit card fraud, cyber crime, and misuse of my checking and savings account. I noticed unauthorized transactions on my personal credit card in XX/XX/XXXX. 
I reported unauthorized transactions to Navy Federal Credit Union ... The bank refunded XXXX to my credit card but later debited my card back for this amount on XX/XX/XXXX. 
The bank stated that they do not prosecute individuals. I received a Case number from XXXX Police XXXX. who stated that they do not investigate crimes in other states. 

When these incidents took place, I was a resident in XXXX, TX. My credit card was used at XXXX XXXX XXXX, Address : XXXX XXXX, XXXX, TX XXXX. I had a total of XXXX unauthorized transactions at this location totaling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, a transaction from XXXX XXXX XXXX, Address : XXXX XXXX XXXX, XXXX XXXX, TN XXXX on XX/XX/XXXX -- -- -- -- XXXX. I spoke with XXXX at this company she stated this amount was a deposit on a truck for XXXX of her customers ( XXXX XXXX ). 
Third transaction on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, TX XXXX. 

All of these transactions my credit card number was manually keyed in the system. I have not lost my card or reported it as stolen. I sent fraud letters to all XXXX business but no response. 
Since these events, I received copies of all XXXX credit reports. I'm still seeing other transaction. For example, real estate where someone used by social security number. 

I have been trying to seek help with this matter since XX/XX/XXXX.
Consumer complaint received 2023-12-28
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: Experian Information Solutions Inc. (TX)

Please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX XXXX XXXX XXXX should be removed from my credit report IMMEDIATELY. I have attached the letter from XXXX XXXX showing that you are reporting the wrong balance on my credit report. You are reporting that there is a balance of {$11000.00} which is completely incorrect. Also, the company is trying to collect a debt which is over the statute of limitations in the state of Texas. The account was to be removed from my credit report in XXXX of XXXX yet it is still reporting. You are also furnishing different information such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TX)

I sent in information that this is account was opened without my consent ( fraud ). This is a fraud account. I have tried reaching out to the this company multiple times with police report and FTC and they still have been in ignoring this situation.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Gatestone & Co. International Inc. ()

On XX/XX/XXXX a debt was reported on my account in which I am not liable. I do not have a contract with Gatestone Contact CNTRE, they did not provide me with the original contract as requested.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX is reporting my account as late on my credit report. I never gave this agency written consent to disclose to any bureaus about my payments according to the FCRA USC 15 1681b and 15 USC 1666B. 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. Please have this inaccurate information removed and update my payment status to current with all bureaus. thank you for your prompt response and updating inaccuracies.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MD)

Received a letter from Concora Credit dated XX/XX/year> saying I had applied for a Milestone Master card issued by the XXXX XXXX XXXX but it had been denied. 
I did not apply for this credit card. 
I called Concora Credit. The first thing I was asked to provide was my social security number which I would not provide.

The woman on the call could not tell me how this credit card had been applied for- she would not give me any information.
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

The following describes a series of unlawful attempts to deny the consumer of his own XXXX funds. 
On XX/XX/year> XXXX plans was to move in extended stay due to indications of being stalked. The plan was to move in a affordable XXXX XXXX while I look for work. Understand the importance of withdrawing funds for suit, I would contact the USAA bank to find out a unsuspected charge to my checking account. When I called to speak with the rep, the rep told me she would not need to deactivate my card, I specifically told her not to change card status. upon calling back after the call disconnected, I soon learn that the rep not only canceled. The debit card became a hope for stability since now I was in desperation facing homeless. I pleaded with rep but she stated she was unable to help besides submitting request to send another debit card. 

I sent a dispute on the XXXX  involving XXXX XXXX XXXX ( account XXXX ) fraudulently refusing me access of my own savings account. There where asking an increasing amount of personal questions which then becomes data provided to third part agencies, after normal procedure of verification was answered. after multiple reps denying me of my own account access I suffered a major migrain followed by joint pains. 

XXXX XXXX - I checked my app and noticed XXXX of funds available. I then proceeded to make purchases for groceries via XXXX. ( credit paid by debit. ) Current date XX/XX/year> XXXX PM- I open my USAA account and notice a transfer of XXXX of funds from XXXX XXXX savings to USAA have been reversed and I am now charge for using the debit card for food charges after I was told by USAA bank XXXX that XXXX of the XXXX would instantly be available. this is not only a misrepresentation but a bold misleading advice from USAA representative. Because of this preauthorized electronic transfer of funds failed to initiated I am facing homelessness again. The direct lie was a direct hazard to my well being based on my living situation. I have already traveled due to being a stalked victim. Thank the the actions of both XXXX online savings and USAA bank my anxiety and veteran XXXX is thru the roof facing homelessness. 

On XX/XX/year> I spoke with a USAA rep who guided me thru updating password and transfer of funds. Once in my application login he guided me to provided signature which he stated will authorized funds from outside banking ( Online savings ) to USAA checking account As of XX/XX/year> XXXX pm there is a $ XXXX checking charge ( account XXXX ). check pic call for any other proof need of these fraudulent banking techniques and procedures towards proprietors of accounts. See pic attached. Reps refused to explain how there procedures were legally authorized.
Consumer complaint received 2023-12-28
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)

XXXX XXXX XXXX  ( better known as XXXX ) No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual, to whom the record pertain to. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not less than {$100.00} and not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Consumer complaint received 2023-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

I sent a check to a vendor who's address was a po box XXXX After a bit, the vendor reached out to me asking when I would pay the bill. I had advised him by remitting the payment advice from XXXX that the bill was paid in full. After a bit or research it was discovered that the check ( Business to Business ) was stolen from his po box and cashed at another institution, XXXX XXXX. 

In the coming months I've come to learn that it's not allowed for XXXX to XXXX checks to be cashed. Not only that, but neither of us had an account at XXXX XXXX. Initially, XXXX refunded my money, but after 2 weeks, they took the money back saying that they would attempt to get the funds from XXXX XXXX on my behalf. 

It has been 1 year, and they still have not refunded the money that was fraudulently given to another party. I have done everything in my power to have this case handled quickly and efficiently including signing an affidavit with the vendor that accounts for the situation. I not only used a banks method of payment, but by using the bill pay service, I was under the impression I had another level of security against fraud. 

I would appreciate any help in regaining my funds, and would have no problem discussing this issue at length with others to avoid similar situations in the future.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The account that are in the file below along with the inquires that were made was not by me. I would like a specialist to analyze my report & to reach back out to this complaint in regards of the fraudulent activities that were made using my name. The addresses that are listed on the files isnt my address. I listed a proof of residence in the file below. I would like for me report to be investigated immediately.
Consumer complaint received 2023-04-26
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: Auto Trakk, LLC (PA)

Auto Trakk auto leasing company is still consistently reporting a NON COLLECTABLE debt on my credit report. They have called me leaving me messages to call them to settle this debt. I have voluntarily surrendered the vehicle in good condition. Please remove this from my credit report immediately