davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NC)

WELLS FARGO has an extra day grace period to avoid overdraft fees. This has been going on for over a year and no help on their part. They email of multiple call back request but I appear to be forgotten each time. I'm told someone would look into this Yet we going on two years. Protocol is I receive an alert stating that my account is in the negative and I have until the end of day to bring it current or I will be charge {$35.00} I WILL THEN MAKE a deposit SAME DAY based on the amount that was emailed, then after XXXX the next day I noticed I am charge {$35.00} either way because something else came through that they didn't educate me on or Wells Fargo just not honoring the grace period. The email request would specify one amount when reality it will be for another amount just to charge me another {$35.00}. I am as of today at a lost of about {$210.00} of overdraft fees for them not honoring there grace period or there pacific time mix with my eastern time was not a factor when they decided to make such an offer. I primary only us this account to cash business checks outside of that I HATE it outside odds because they cant handle this small task and bills I allow through. Per Wells Fargo With Extra Day Grace Period, you have an extra business day to make deposits and avoid overdraft fees. If your available balance covers the prior business day 's overdraft items as of XXXX Eastern Time, we'll waive the associated overdraft fees. 

THATS A LIE AND FALSE ADVERTISEMENT Prior business day overdraft items that are not covered by XXXXXXXXXXXX Eastern Time are subject to applicable overdraft fees for whenever they feel like it even if you pay the same day. 

I have attached what my day looks like after I receive an email, make a deposited and the next day if I owe and a different amount. I took a screen shoot of my account balance current after I was asked to make my account current by the end of day, I did and the next day I am down - {$33.00} Date in question was XX/XX/2023 to today the XXXX
Consumer complaint received 2023-12-04
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. (SC)

I have been disputing my credit report due to identity theft. I have sent the correct paperwork including my FTC report to the credit agencies and submitting disputes to remove these fraudulent accounts. The disputes are nto being filed correctly and the paperwork is not being attached. And I am not getting copies of the verification process according to the FCRA
Consumer complaint received 2023-12-04
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-12-04
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-01
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. (PA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-11-08
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)

This company is reporting a {$16000.00} loan for solar panels I never purchased. I have called this company multiple times to further investigate this matter, and they have an account open In my name but no contract with my signature authorizing the agreement. 

I did buy solar but with another company. This company should not be reporting any information to my credit report as I have no relationship with this company. This inaccurate reporting has harmed my ability to get lending with other creditors. 

I need this inaccurate information removed immediately. I will also need compensation for the damages caused by XXXX XXXX XXXX.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX received text message at XXXX informing a charge in the amount of {$180.00} with XXXX and {$180.00} with XXXX as well. I am in possession of this credit card and it has not been activated. This is the 3rd time XXXX / Wells Fargo issues a new number and new fraud happens. This time the credit card has been removed from my online profile which doesn't allow to monitor any activity. Wells Fargo repeatedly has been failing on their fraud prevention and clearly has a glitch that allows the fraudsters to obtain the information as soon as a number has been issued.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I believe FCRA 605B mandates the elimination of erroneous entries from my credit history. Could you review the documents? Some of the mentioned entries are flawed in terms of reporting, with inaccuracies in amounts and dates.
Consumer complaint received 2023-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

XX/XX/XXXX I made a mobile check deposit for my daughter in the amount of XXXX via cashiers check payable from my mothers account via XXXX XXXXXXXX XXXX to her ( her being XXXX ) endorsed to me ( her mother ). 

There was a ten day hold placed on the check. Standard with new accounts which was fine. 

I went into the branch later in the week to withdraw funds I deposited via a money order that same day and was told my account was restricted. 

I spoke with the department in charge and was told that they no longer have a way to verify information with XXXX  XXXX XXXX so i needed to verify that I was the intended payee of the check. I explained that I was instructed as her mother to be within my legal rights to deposit for her. They then informed me that they had no information on my daughter, of course, and that my daughter needed a phone number that would pass verification through XXXX XXXX before they would release the funds or else they would close my account in 10 days. I offered to bring my daughter in with school id and was told that would not be acceptable. The rep on the phone then followed up by saying to unrestrict my account completely I would need her birth certificate, a copy of her social security card, a current photo of her, AND a phone in her name. 

My daughter is XXXX XXXX XXXX, she is not able to obtain her own phone credit line. I personally feel this to be a violation of my daughters privacy rights. As she is a minor. I do not see why her being present is not acceptable. 

All of my funds are being held & my account will be closed within XXXX hours if this is not resolved amicably. They have not even provided a written notice giving reason for the restriction I do not even wish to bank with chase at this point
Consumer complaint received 2023-10-31
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. (MS)

In accordance with the Fair Credit Reporting Act, these purported creditors have violated my rights. 
Under 15 USC 1681, section 602 my right to privacy is insured. Also, Under 15 USC 1681, Section 604A, subsection 2 it is also stated that a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666B, a creditor may NOT treat a payment on a credit card account under an open and consumer credit plan as late for any reason. 
I demand that these unauthorized recording be removed from my credit record immediately.
Consumer complaint received 2023-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC. (NM)

I spoke with XXXX XXXX of Citizen 's Bank yesterday about unresolved complaints I have submitted concerning the escrow account. In speaking with her, she disclosed that a representative with Citizen 's contacted the XXXX XXXX XXXX tax department and was informed that there is a balance of {$630.00} in unpaid property tax for the property from XXXX. XXXX XXXX told me that the XXXX XXXX XXXX tax department told the Citizen 's representative that the tax bill was sent to me directly. I told XXXX XXXX that I never received any bill from the City. I requested that XXXX XXXX provide me with all bills that Citizen 's was given by the XXXX. She told me that she could not do that because this information could not be extracted from their system. 

After speaking with XXXX XXXX, I contacted the XXXX XXXX XXXXXXXX tax department by phone and by email. I spoke to an employee with the department who told me that the {$630.00} tax bill was not sent to me. It was sent to a Citizen 's Bank in Texas and then re-routed to a Citizen 's Bank in XXXX XXXX because the bank in Texas informed the taxing authority that is where the tax bills needed to be sent. The bill has never been paid by Citizens via my escrow. When I closed on the property on XX/XX/XXXX, I deposited {$1000.00} into escrow at closing and I paid {$340.00} per month into escrow thereafter during XXXX. I was refunded {$520.00} at the end of the year of XXXX. I have no idea how the refund was calculated. I have requested of XXXX XXXX to provide an accounting of this. I have also requested verification of taxes paid in XXXX as reflected on form 1098 issued to me by the bank. This form reflects that I paid {$7900.00} in real estate taxes but the escrow account does not reflect this. 
In short, this is a hot mess due to Citizen 's Bank ineptitude and indifference they have exhibited towards me since day one of my contact with the loan officer who was absolutely awful in processing this loan.
Consumer complaint received 2024-04-01
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. (NY)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-04
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
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
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (FL)

On XX/XX/year> I mailed, contacted the credit bureaus challenging their violation of the Fair Credit Reporting Act on my personal credit report, until today the named credit bureau has failed to correct any deficiency and correct per compliance of the Fair Credit Reporting Act.
Consumer complaint received 2023-12-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

I was given a Vanilla ( InComm ) gift card with a Visa logo on it in I believe early XXXX with a {$100.00} balance on it. I tried to use the card a few months after receiving it ( approximately XXXX XXXX XXXX and there was {$0.00} balance. I looked up the transaction history on the Vanilla website and it said the card had been used for a purchase on an online gambling website ( I believe it was XXXX XXXX sometime a month or two prior. I did not make that purchase and had no knowledge of it. 

I contacted Vanilla/InComm customer service and was told by the agent that in circumstances such as mine, customers usually get their money back. I filed a dispute and waited another few months. Finally yesterday, XXXX I received an email saying that my dispute had been denied because " Per the cardholder agreement and the payments network, these transactions are out of timeframe for recovery. '' There was no cardholder agreement that I was aware of since it was a standard prepaid card, and there's no elaboration on the " timeframe '' part of it. I contacted Vanilla customer service again and was told that there was nothing they could do as the case had been closed. I did email the dispute center back, but I am not optimistic about getting a response or getting my money back, since the investigation process is apparently entirely at their discretion and there's no way to call the dispute team, only email and fax. 

A look at the XXXX reviews of Vanilla/InComm shows XXXX XXXX XXXX reviews describing the exact same thing happening over and over -- people purchase or are given a prepaid card only to find that its funds have been stolen by scammers. Given how widespread this issue is and the fact that probably millions of dollars have been stolen this way so far, I believe InComm needs to fix their system as they are essentially selling an expensive, defective ( often literally worthless ) product. If possible I would like to get my money back and I would like to spread the word about this scam and the company 's lack of accountability for it.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : 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
Consumer complaint received 2023-12-04
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. (FL)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-12-04
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)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX Disputed the bankruptcy information on my behalf and stated that it was not to be reported on my credit file. XXXX XXXX and Experian all are reporting this when they know that the company who reported it told them to remove it. This was reported on XX/XX/ XXXX  The XXXX case number is XXXX for XXXX. XXXX Case number is XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXXThe Experian Case number is XXXX also on XX/XX/XXXX XXXX XXXX All case number are the XXXX case number.
Consumer complaint received 2023-08-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (WA)

I never heard of this company or their client until the debt showed up on credit report as a debt in collections. I disputed it with XXXX. Response was I owed this debt. That's it. Did not receive any proof or verification. 
I called the debt collection company several times, only went to voicemail and I never received a call back. 
I wrote a letter in XX/XX/2023 via XXXX. No reply. 
I sent a second letter via certified mail, no reply.
Consumer complaint received 2024-04-01
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. (NC)

THESE HARD INQUIRIES WERE NOT AUTHORIZED AND I WOULD LIKE THEM REMOVED FROM ALL THREE BUREAUS IMMEDIATELY. 

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 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