davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BOA Class Action Lawsuit XXXX 
XX/XX/XXXX {$220.00}, XX/XX/XXXX {$220.00} money deducted why?, XX/XX/XXXX {$220.00} Temporary credit expires XX/XX/XXXX {$220.00} : XX/XX/XXXX, XXXXDirect deposit {$950.00} = {$730.00}, XX/XX/XXXX Direct Deposit {$950.00} = {$690.00} and continued to XX/XX/XXXX {$300.00} received XXXX Temporary credit from BOA ( Man in the middle just like XXXX XXXX ) my response on fixed income please do not take my money please I'm XXXX. never deposited back in my acct so acct still active until paid in full {$100.00} a day if not paid back {$3000.00} a month after per month until paid in full .US law fraud, embezzlement Branch mgr refused to talk to me said XXXX  was stealing my money spoke to associate said that she would testify on my behalf half. BOA in XXXX  XXXX Ca XXXX her name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Thank you. Sincerely, XXXX  XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-12-05
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: Experian Information Solutions Inc. (OH)

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (MD)

My credit report shows a collection from Transworld Systems Inc. I was never notified of this collection. I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore, provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number. 
As stated above, send me all five items, which are my right to receive. Contact me through the United States Postal Service only.
Consumer complaint received 2023-09-01
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00}
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXXXXXX has violated my rights. 
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.

The Fair Credit Reporting Act 's ( FCRA ) Section 611 allows consumers to challenge inaccurate information on their credit reports. They are reporting inaccurate information in credit bureaus regarding, they are reporting in some bureaus and no in the others ( please see pictures below ). 
- XXXX IS NOT REPORTING THIS ACCOUNT - LAST PAYMENT DATE INNACURATE IN TRANSUNION AND XXXX - PAYMENT SUMMARY AS XXXX REPORTED PAYMENT ON TIME UNTIL XX/XX/XXXX, TRANSUNION REPORT SAID ACCOUNT CLOSED IN XX/XX/XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MD)

I went to XXXX XXXX back in XXXX it was a college located in XXXX VA. 
I was XXXX XXXX and given XXXX  months in the XXXX XXXX XXXX. We reported this information and asked for aid and discontinuing money to go to the school. 

This School Closed in XXXX and would not respond to any of the letters that i wrote from prison. The loan company Navient also was non responsive and when I came home in XXXX I was stiffed with a bill that was outlandish. They said the school was received the payments while i was away Navient refused to help me rectify this and instead put me on some plan where combined like XXXX accounts from them and said i wouldn't have to pay however it sits on my credit. 

years later Navient sold my account with out my permission or any communication, to another company then Biden Administration asked about applications for student loan forgiveness i applied for that and now I'm being harassed by another company called XXXX. BUT HOW i was in prison and did not get to use my student loan i literally went in right after. how come now one in protecting me and why does XXXX college and Navient get to get away with keeping money that was not used for the student. For XXXX XXXX the School does not even exist anymore.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC (NY)

After reviewing my EWS report I notice Chase accounts I am not familiar with or have access too. I have included a letter sent to EWS requesting Validation of these accounts. No such information was sent to me. The letter attached has all of the information of the accounts listed in my EWS report and me requesting validation.
Consumer complaint received 2023-11-01
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. (GA)

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 XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX 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 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-05
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. (NY)

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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (GA)

XXXX Experian XXXX companies ( misleading information in my credit reports things that should not be on my credit report are still on them I filed bankruptcy in 2009 most of the items on my report should have been removed as well as hard inquiries ) I'm not able to move forward with negative items remaining on my reports they need to all 3 have the same information on them and they don't my credit would start moving in the right direction if most of the items on all 3 of my reports were removed there not keeping accurate information on people please investigate.
Consumer complaint received 2024-05-18
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: Lendmark Financial Services (CA)

HELLO MY NAME IS XXXX XXXX XXXX, I'VE RECENTLY NOTICED SOME UNAUTHORIZED INQUITIES ON MY REPORT & ACCORDING TO THE FCRA THIS IS A VIOLATION OF MY RIGHTS, AND ILL LIKE TO THE ACCOUNT REMOVED IMMEDIATELY FROM MY REPORT!
Consumer complaint received 2023-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my deep dissatisfaction with your decision to decline my identity theft claim. It is essential to clarify that your organization lacks the authority or legal position to determine whether I have been a victim of identity theft. Only I, the individual directly affected, can ascertain this fact. 

The following accounts are NOT MINE : XXXX XXXX XXXX FRAUD, PLEASE DELATE!!!!! 

Your refusal to acknowledge my identity theft claim compels me to take this matter very seriously. Should you persist in declining my position, I will not hesitate to consult with my attorney to pursue all available legal remedies to rectify this situation. I trust that it is in both of our interests to avoid such an unnecessary legal course of action. I reject your offer & advise you to process my dispute per FCRA laws. Otherwise we will be seeking a legal remedy in this matter.
Consumer complaint received 2023-12-05
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)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

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 remove the account listed in document.
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I got slammed with NSF fees, totalling over XXXX $ for minor transactions, the fees ended up 2x the transaction amount, sometimes even 5x the transactions. I've called Wells Fargo personel multiple times to get a reversal but nobody hears out to me. I live on SSI and XXXXXXXX XXXX it's disappointing having rent go so fast. I've tried to turn off overdraft protection but the line doesn't work.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (IN)

I received a payment from XXXX XXXX XXXX XXXXXXXX into my wellsfargo account and they locked my account because of that. Ive called and visited the bank and they said theyll have to close my account to mail me a check initially but they didnt. Another time this woman that picked up the phone said its with Georgia unclaimed funds and I Cant seem to understand why the payment was sent there, perhaps they should have returned it to the agency if they couldnt verify it cos thats what I was told initially when the payment came in. They said they wanted to verify it from the sender before releasing the payment but the sender didnt respond and thats why they put it on hold till they closed my account. Ive contacted Georgia unclaimed funds and nothing was found either in my name or in the name of my fianc that own the house. 

He ( my fianc : currently XXXX ; XXXX XXXX XXXX ) has contacted the agency ( XXXX  ) and they said the payment was never returned from wellsfargo that until it is returned that they cant reissue it to him The total amount was about {$41000.00} on XX/XX/2022 {$1200.00} {$18000.00} {$22000.00} XXXX {$41000.00} Since my account has been closed at wellsfargo, please return the payment to the agency that sent it ( XXXX  XXXX )
Consumer complaint received 2024-05-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwood Financial, LLC. (FL)

I have called Southwood Financial Trust ( https : //www.swfin.com/ ) for almost 6 months. I have gotten no communication either written or verbal. They have neglected to verify and/or validate the debt.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

My credit report is some how littered with allot of different addresses that I don't live at nor even heard of. My name is on my credit report spelled in several different ways that I have never used nor went by for any reason or occasion. There are bundles of phone numbers that are also connected to my credit report that have absolutely no relation to myself what-so-ever. There is also a few places of employment that are on my credit report in which I have never been employed. 
All of this additional information that is on my credit report causes concern for creditors that I request funds from. It makes it look as if multiple people are just randomly applying for credit with my name, but there are NO Fraudulent accounts on any of my credit reports. I am trying to buy a very nice home for my family and little things like this are potentially preventing myself from such purchases.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc. (FL)

The following companies made hard credit inquiries that were supposed to be soft pulls. I have contacted them numerous times asking them to remove them, and they stated that they would. Unfortunately, they still show on the credit bureaus. They have affected my credit by removing XXXX points per inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX 2023 XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 + Miscellaneous ( XXXX ) XXXX
Consumer complaint received 2024-05-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (KY)

I sent a letter via XXXX certified mail with return receipt to Sunrise requesting debt validation/verification/copy of purchase agreement from original debtor. In the letter I advised them to stop all phone/email communication and only communicate with me via mail. They have not stopped constantly texting and calling my phone. I have all records to sue. They need to stop contacting me via phone like I told them to in my validation letter that they failed to respond to.
Consumer complaint received 2023-09-01
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. (NE)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

My cash app account was hacked, my email was remove, my phone number was removed and my pin to login was change. Tried to get in contact with cash app customer support but there is no option to talk to a live representative. I have no access to the account anymore, i can't see the activity i am completely locked out from it.
Consumer complaint received 2023-12-05
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX CRED XX/XX/
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On the night of Saturday, XX/XX/XXXX my debit card was stolen. The fraudulent charges totalling {$2800.00} included a {$1000.00} ATM withdrawal from a Wells Fargo ATM. I told Wells Fargo that I am the only person that knows my PIN so after processing my fraud claim they concluded that " an error did not occur '' because if I am the only one that knows my PIN number then I am the only person who could have made the withdrawal. I did not make the withdrawal so I asked if they reviewed any security footage to verify it was not me, given that the ATM in question is operated by Wells Fargo, and they claimed that they do not do that. Thank you for your help in resolving this matter.