davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (DC)

In XX/XX/year> I stayed at an XXXXXXXX XXXX XXXX XXXX and I paid using the payment plan company XXXX. I used the entire XXXX stay, but on the morning I was leaving I found XXXX on the XXXX I was XXXX XXXX  and requested a refund from XXXX who denied me. Because I felt that XXXX violated their terms and conditions I initiated a dispute for the amount that I paid. The first dispute was for the original payment I made to XXXX for roughly {$98.00}. While waiting for a decision on this dispute. I continued to make my agreed upon payments to XXXX. As well as continue to communicate with XXXX requesting a full refund. This dispute for {$98.00} was approved. I then initiated a dispute for the final 3 payments that I made while waiting for the resolution. This dispute was for a total of {$380.00}. Visa denied this additional dispute and Wells Fargo took the money from my account on XX/XX/year>. 

Before I received information that Visa made a decision regarding my secondary dispute, XXXX finally agreed to provide me with a full refund for the stay. This was XX/XX/year>. I believed at the time that every would be fine and my funds would be finalized in my account. 

On XX/XX/year> I reach out to Wells Fargo, who told me to reach out to XXXX who told me to reach out to XXXX. XXXX provided receipts with confirmation numbers showing they sent the money back to XXXX on XX/XX/year>. XXXX alleges that on XX/XX/year> they sent 3 transactions totaling {$380.00} to Wells Fargo in response to the transaction disputes I initiated. I asked XXXX to provide me with a receipt with a confirmation number or transaction number. I was informed by XXXX representatives that they do not provide or have that any receipt or confirmation to provide. Wells Fargo informed me that they did not receive any funds from XXXX in relation to the transaction dispute. 

XXXX says they will not provide a refund as they already returned the money during the transaction process. I provided all the information to Wells Fargo and they have stated multiple times that there is nothing they can or will do to further assist me in this matter.
Consumer complaint received 2024-08-31
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: GATEWAY FIRST BANK (TX)

The benefit program HAF covered a specific period of loan ; lender was paid fully irregularly. Lender was aware that HAF program would pay for upcoming months ; lender did not inform me of irregular payments by HAF and now lender reports my credit report that I paid late or missed payments. Lender does not explain how I am liable for those months and for timeliness when lender did not inform me of untimely and lender approved and accepted full payments from HAF. Lender should not characterize me of making it irregular when this irregularity was because of HAF payments. Lender does not explain and ignore to review and explain this.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Maximus Federal Services, Inc. (VA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my DOE AIDV XXXX, DOE AIDV XXXX XXXX, DOE AIDV XXXX XXXX, DOE AIDV XXXX XXXX, DOE AIDV XXXX XXXX, DOE AIDV XXXX XXXX, DOE AIDV XXXX XXXX, DOE AIDV XXXX XXXX :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The identity theft commenced when unauthorized access was gained to my XXXX XXXX I bank account, resulting in the unlawful withdrawal of {$1600.00}. Immediate action was taken upon discovery, with the incident promptly reported to XXXX XXXX to initiate necessary fraud and theft protocols. Subsequently, in XX/XX/XXXX, a credit report alert revealed suspicious activity, including unauthorized credit inquiries and the initiation of new credit card accounts, which I did not authorize or initiate. Notably, these inquiries and accounts were not associated with my legitimate financial activities. 
In XX/XX/XXXX, unauthorized credit card accounts were opened with XXXX XXXX XXXX  and Capital One, further exacerbating the fraudulent activities perpetrated under my name. It is crucial to emphasize that I did not initiate nor authorize the creation of these accounts, as they were established under fictitious identities.Upon transitioning my banking services to XXXX, I availed of their real-time credit monitoring feature, enabling prompt detection of fraudulent activities upon my credit report. Immediate action was taken to notify XXXX XXXX XXXX  and Capital One, asserting my status as a victim of identity theft and contesting the legitimacy of the accounts in question. Correspondence ensued with both institutions, facilitating the submission of pertinent documentation and information to support my claim.Furthermore, I initiated disputes with XXXX and XXXX credit bureaus to rectify the inaccuracies within my credit history stemming from the fraudulent accounts. Despite diligent efforts and cooperation, the resolution process encountered obstacles, with the closure of the accounts by the respective banks in XX/XX/XXXX failing to alleviate the financial burden imposed upon me. 
In XX/XX/XXXX, a formal police report was filed to document the fraudulent activities and the subsequent dissemination of my personal information on illicit online platforms. Regrettably, despite exhaustive efforts and the provision of comprehensive evidence, the credit bureaus concluded the matter without exoneration, attributing unwarranted responsibility to me. Last balance reported before the accounts were charged off ; XXXX XXXX : {$470.00}, Capital One ; {$1100.00}
Consumer complaint received 2024-06-13
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)

I do not recognize these queries in my report. 
XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX do not recognize these late payments, these accounts were PAID and closed during covid because i lost my job, please request that they be eliminated since it tremendously affects the possibility of improving my financial life. 
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
Consumer complaint received 2024-06-07
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC. (FL)

Bank accounts were hacked after my husband died which cause me to have issues with bank on file. Added new bank made pmts through app even after pts were scheduled would get email advising payments still were not made which would cause me to think payments were not processed. Therefore, I would schedule that exact same pmt causing double draft due to company sending false emails and text messages resulting in yet another account being removed. I complained spoke to an agent on or around XX/XX/year> who advised escalation would be issued and the account would be added by management manually would add bank account back before the XXXXXXXX XXXX payment would be due if not complete then I could make the payment on time by contacting the collections dept and use my debt card to complete the pmt. Also asking that sup follow up which never happened. Attempting to pay on due date whas denied advised bank account was not added as I had been told also was denied of making a pmt per collections dept was told that all agents had lied asked for supervisor call again a total of 3 different times never happen. Got a collection call onXXXX seeking payment advised that late fee was added, and I could now make payment which caused the payment to increase causing me financial hardship due to misinformation between call center reps which is harming me after 7 requests for management and asking these calls be reviewed got XXXX help.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (GA)

Dear Sir/Madam, I am writing to formally dispute the reporting of a debt on my credit report by Creditor/Furnisher OLLO/XXXX XXXX associated with account number XXXX. It has come to my attention that this company is reporting a canceled debt on my credit report. However, they have failed to provide me with a 1099-C form as required by the IRS.

According to IRS regulations, creditors must issue a 1099-C form when a debt of {$600.00} or more is canceled or forgiven. This form is necessary for me to accurately report my income and comply with tax obligations. Despite this requirement, I have not received any such documentation from OLLO/XXXX. 

This lack of documentation and communication is causing confusion and distress, as I am unable to verify or address this alleged debt appropriately. Additionally, reporting this debt on my credit report without providing the necessary 1099-C form is unfair and misleading. 

I request that you investigate this matter promptly and remove the inaccurate and unverifiable debt entry from my credit report. Please also provide me with confirmation of this action once it has been completed. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (PR)

Account # XXXX Account # XXXX Acount # XXXX Account # XXXX Account # XXXX Account # XXXX Has Violated my Rights 15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (FL)

Regarding my business acct for XXXX XXXX XXXX with Wells Fargo, They have closed my account expressing they have the rights to do so without any explanation. This is a violation of my rights the FCDPA. Further expressing I owe them {$180.00} and demanding I pay it. I havent the slightest clue what is going on with Wells Fargo, but I DO NOT GIVE ANY CONSENT, and had every intention of opening my private trust account with Wells Fargo this month, Now they are prohibiting me for NO REASON. As of the XXXX they expressed both of XXXX XXXX XXXX business accts will be closed and again stated no reason, expressing they can choose to do business with me when they feel like. I have my XXXX XXXX XXXX XXXXXXXX, and am XXXX protected, so none of this makes any sense. I demand Wells Fargo keep my business accts open and in good standing, and declare to offset the public side as I am the beneficiary of my accounts by accepting and returning for value my private debts that creates new currency into circulation and indebted by the government, my trustee. 

I will pursue legal matters once they do not abide by my demands, to file judgement against them as I feel discriminated and racially profiled. If its a case of identity theft, I should not be penalized and suffer the repercussions of not having an active business account. 

Theyre back office fraud department is exactly that, Fraud, not helping me the consumer one bit. I literally opened a new account on Monday XX/XX/XXXX, physically at my local branch to rectify any concerns they may have encountered. just to be called today ( not even XXXX later ) harassed and told they will be closing it on the XXXX. what do they need XXXX business days to do, securitize my accounts? Im so disappointed and upset all in the same interim. Wells Fargo can not continue to waste my time and energy when Im only seeking to work in good faith. 

Please have Wells Fargo honor my public business accounts along with my personal private trust account set up to close the month. For this is totally unfair and I repeat, discriminatory. 

I will be sending complaint to the XXXX, FTC, OCC and the states DA, as Im highly disappointed in how Wells Fargo reps chose to handle this matter.
Consumer complaint received 2024-06-12
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: ALLY FINANCIAL INC. (CT)

On XXXX XXXX, 2024, I mailed a dispute letter to Ally Financial requesting an investigation into an unauthorized inquiry on my XXXX and XXXX credit reports dated XXXX XXXX, 2023. I am unable to identify or verify this inquiry. In my dispute letter, I specifically requested documentation regarding this inquiry, including a copy of the application or written agreement signed by me, authorizing Ally Financial to perform a credit inquiry for the purpose of extending credit. 

Despite my clear and thorough request, I have not received any response from Ally Financial. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a creditor is disputed by the consumer, the creditor must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Ally Financial has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that creditors must ensure the accuracy and completeness of information in consumer credit reports.
Consumer complaint received 2016-10-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

My pay was impacted when " XXXX '' XXXX hit XXXX because NJ was a Federal disaster area, all collection activities were put on " hold ''. I was not told that payments would still accrue. Since then I have been trying to get placed in a modification. I have endured XXXX Home Preservation Specialists, XXXX Modifications which have met with some level of approval and then denied or halted, deleted and omitted documents, policy changes, and lack of responses which have cost me valuable time. Upon my last conversation, I was informed that poor customer service, bureaucratic delays, and open inquiries would not suspend foreclosure activity. 
I have just found, and will fax, the documents which the Senior Analyst claims she could not find. These pertain to title issues- stating that there are " no title issues '' - which has been a recurring theme for 3+ years
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Once again Equifax has erroneously dropped my credit score without good reason. My credit score should be going up not down. Response from CFPB are never clearly stated and easy to understand. Thats why I have to keep resubmitting complaints. Equifax has been a perpetual problem for the last year having my credit score drop when it should be going up..
Consumer complaint received 2024-06-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation (HI)

Onemain does not include a clear mail policy in the Credit Card User Agreement. They produce invoices which do not allow you to use that particular invoice to submit a payment. I mailed in a credit card payment on XX/XX/year> and it was received by their mailroom ( XXXX XXXX XXXX XXXX MA XXXX ) on XX/XX/year>. The Certified Mail tracking number is XXXX XXXX XXXX XXXX XXXX XXXX, which confirms the payment was indeed received by a person at this address on XX/XX/year>. 

Onemain charges late fees but they discriminate by not allowing printable statments that can be used by mail so people who pay with money orders using certified mail can be discouraged from sending payments. Yet, they allow payments by mail but the policy is so arbitrary and not clear.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (PR)

Account # XXXX Account # XXXX Acount # XXXX Account # XXXX Account # XXXX Account # XXXX Has Violated my Rights 15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act, XXXX ( account ending in # XXXX XXXX  listed on my consumer report has violated my rights as described below : 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 state 's a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B states a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: National Credit Adjusters, LLC (GA)

NCA placed an account on my credit file and I have no idea who the company is. They then sold my debt to a firm/ Debt collector XXXX XXXX XXXX who are apparently in XXXX Michigan XXXX I do not live or have I ever resided in Michigan. They also continue to call me and has threatened me with a lawsuit to try and obtain the funds. 
I do not have any idea who these people are and they provided a stack of papers with everything on their saying redacted so no real information was provided it also has a none written but an electronic printed signature which is not mine. I am not familiar with this company and who they are but they continue to Harass me. 
Not to mention they tried to sue and I am in a completely different State so they are implementing scare tactics, without providing any real valid information.