davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MN)

I received letters from the risk management dept of Wells Fargo telling me they were closing all my accounts. my 2 business accounts, my business savings, my 2 business lines of credit, my 2 personal accounts, my personal savings, my personal credit card, my personal line of credit, ALL my accounts. I have been a loyal customer of Wells Fargo for 34 years and all my accounts were in good standing. I thought this had to be a mistake so I spent endless hours on the phone talking to supervisor after supervisor seeking higher authority asking them to please correct this or give me an explanation. No matter who I spoke with all they said was it was a business decision and they don't have to give me a reason. This caused me thousands of dollars of my time and has caused me so much stress trying to seek answers and spending endless hours on the phone and searching for a new banking institution, setting up all my account, bill pay, ACH withdrawels, etc. My business is complex and this caused me at least 2 months of my time and the stress has been overwhelming. I even went in to the local branch and the manager could not give me any answers as they have no authority and I suppose if they stuck their neck out too far they would get fired. Wells Fargo is a Dirty bank that abuses their customers because they can get away with it. This has affected my credit score because of them closing my credit card and credit lines. I owe a balance on 2 of my business lines of credit totaling {$150000.00} and they are telling me because they are closed I need to pay them in full and they can not restructure them into a simple interest loan. They turned me over to their small business collections and offered me to pay 60 % of the loan and they would write it the rest off but it would affect my credit score. I can not come up with that kind of money nor do I want to harm my credit score. They have put me in difficult position along with the many hours, money and stress that comes with it. Last month I saw a few articles regarding Wells Fargo closing peoples accounts that shouldn't have been closed. A year ago we refinanced a home though a broker and Wells Fargo bought the mortgage. This last XX/XX/XXXX we moved and bought a home and Wells Fargo bought that mortgage so we are good enough for them to buy our mortgages but they cancel all my other accounts? This company needs to be accountable for their actions. I have attached some of the letters I received from them cancelling our accounts. Thank you, XXXX XXXX
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (WI)

I am have a XXXX  XXXX XXXX credit card account and someone got my all personal info & i don't who & how it got leaked but then someone did a cash advance transaction of {$10000.00} from my XXXX  XXXX XXXX to discover bank, someone created discover bank account also fraudfully on my name and even my personal phone number was stolen and ported out all on same day. he used all my info like name address stolen phone number ssn, i did police complain and provided all documents and details to XXXX  XXXX XXXX now everytime they say on fraud claim that it was your same personal information which was used like address etc so we can't refund the fraud amount {$10000.00} back. It is logical that if someone fraud stolen all my info from somewhere and fraud doing personal will use customers info only not his own identify to do fraud activities but now XXXX  XXXX XXXX is not helpful at all. When XXXX  XXXX XXXX need business then they will alway be behind customer to sell their product but now after customer is using their product and getting fraud issue then they not refund {$10000.00} money for which i got fraud. My Claim number : XXXX was this. 
At the time when i know some {$10000.00} cash advance i contacted XXXX  XXXX XXXX XXXX right away when it was just in processing state [ if XXXX  XXXX XXXX have any call records then it will be recorded as part of those customer care calls ] at that time person from fraud team said no need to worry let it complete we will take care of it and fix but afterwards now they are not at all refund money back. 
Even i reported to discover bank and discover bank says as i am not an owner of that bank account as i reported then fraud so XXXX  XXXX XXXX is the only XXXX who need to resolve this as i am XXXX  XXXX XXXX customer. Now i don't know where to go how get my {$10000.00} money back for which fraud has been happen with me on my XXXX  XXXX XXXX credit card cash advance.
Consumer complaint received 2024-05-13
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. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-13
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. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-19
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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-05-13
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. (NY)

I am not liable for this debt with XXXX and don't have contract with XXXX XXXX.They did not provide me with the original application loike I asked. 

Account XXXX XX/XX/2023
Consumer complaint received 2023-12-19
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-09-04
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. (TN)

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted a complaint last XX/XX/ and it was closed immediately. I submitted a complain again last XX/XX/ and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can you say that you closed my complaints because it has already processed earlier complaints about my problem. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. THESE ACCOUNTS ARE NOT MINE.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

Equifax has had the wrong address information on my credit file for months, and they have effectively made it impossible for me to change my address information. This is a significant issue because my wife and I have been trying to get a mortgage and this has been stopped at various points by Equifax 's error. ( The other credit agencies have the address right and have had no issues ) I followed Equifax 's procedures to dispute the address on my credit file, which required me to mail in photocopies of my driver 's license and passport to a XXXX XXXX XXXX They assured me, this would resolve the problem. 

It did not. Instead, Equifax changed the credit file of my father, who has a similar name. One potential issue they missed : my father has been dead for XXXX years. 

I know they changed his file because they sent a letter to my father at my current address ( the one I want them to change my address to ) telling him the dispute had been resolved. 

When I called in again, the agent told me I would have to send the documents in, despite the fact that I've already done this. She also indicated that she had no ability to escalate the concern to a supervisor, despite the fact that I had the confirmation number sent to my dead father that demonstrated the documents already been sent and approved. 

The only solution she claimed she could offer was for me to send in all my documents again. She said it was impossible for her to get anyone else involved or to even do any further research on the situation. 

I am not a customer of Equifax ( nor would I ever be, for obvious reasons ). We have no commercial relationship that I have consented to, and yet they hold significant power over my life and the life of my family. 

They are unaccountable and incompetent, and I think that's why they have no incentive to make this right. But I think there needs to be some way for Equifax to be held to account and that's why I'm filing this complaint with the CFPB.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX Original Creditor : XX/XX/XXXXXX/XX/XXXX) XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX Original Creditor XX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXX ( original creditor : XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX ) XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-04-22
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. (PA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/year>
Consumer complaint received 2024-05-12
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. (NY)

I am not liable for this debt with XXXX and don't have contract with XXXXXXXX XXXX.They did not provide me with the original application loike I asked.
Consumer complaint received 2024-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX knowingly and intentionally acted without lawful authority when it furnished the consumers private account information to Consumer Reporting Agencies one of those consumer agencies that I'm aware of is TRANSUNION and is therefore guilty of Identity Theft as defined by 15 USC 1681a ( q ) ( 3 ) & New York State Code 190.79 Identity theft in the second degree. TRANSUNION is in unlawful possession of the consumers private financial information and has used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization. The original creditor, XXXX XXXX, failed to provide me with the necessary disclosures required under XXXX and 15 U.S. Code 6802, These disclosures are vital in ensuring the protection of consumers personal information and preventing identity theft.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Hi, 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 overall mental well-being and financial opportunities.
Consumer complaint received 2023-12-19
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-01
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. (FL)

I hope this letter finds you well. I am writing to express my dissatisfaction with the repeated attempts to rectify the late opening of my account with your institution. I opened an account with your branch and unfortunately, I have encountered several issues that have not been adequately addressed. 

Despite my best efforts to resolve this matter through various channels, including phone calls and in-person visits to the branch, the late opening of my account persists. I have attached copies of the relevant documents, including the account opening paperwork and receipts, for your reference. 

I initially opened the account and was informed that it would be active within a specific timeframe. 

I made multiple follow-up calls to inquire about the status of my account. Each time, I was assured that the issue would be resolved promptly. 

I visited the branch in person to seek assistance, but unfortunately, the problem persists. 

I understand that issues may arise, and I am willing to cooperate to resolve this matter amicably. However, the lack of progress and communication regarding the status of my account is both frustrating and concerning. 

I kindly request that you investigate this matter promptly and provide a detailed explanation for the delay. Additionally, I expect a clear timeline for the resolution of this issue. I believe that transparency and effective communication are essential in maintaining a positive customer relationship. 

If this matter is not addressed within the exact timeframe from the date of this letter, I will be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX XXXXXXXX Balance : {$120.00}.
Consumer complaint received 2024-05-12
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. (PA)

XXXX XXXX is reporting inaccuracy on my credit report. I called this company for them to tell me my account was still open in which it was closed and charged off in XXXX XXXX XXXX  called me to pay XXXX XXXX and they will write off the rest they did not send a pay to delete letter but want me to sign off on paperwork. They posted the account was late after they charged off. This account is in violation of 15 usc 1692g and 15 usc 1681. A charged off account should not be updated once it is charged off. XXXXXXXX XXXX have charged off this account since XXXX reporting every month
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( Original Creditor XXXX  ) XXXX, XXXX XXXX ( Original Creditor XXXX ) XXXX, and XXXX XXXX ( Original Creditor 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. Also, The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove these items ASAP.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hard Credit Inquiry Removal Request Dear Sir/Madam, I am writing to formally request the removal of unauthorized credit inquiries from my credit report. I recently obtained a copy of my credit report from your bureau, dated XXXX  and noticed several inquiries that I did not authorize. These are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously contacted these companies and requested the removal of these inquiries, as they were made without my consent. However, despite more than 60 days passing since my initial contact, I have yet to receive a response.
Consumer complaint received 2024-05-24
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.