davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MN)

I had called Wells Fargo to stop payment on one XXXX  purchase ( paid using my XXXX XXXX card ). I was suspicious that it was fraudulent and was waiting for a call back from XXXX to investigate and issue a new card if necessary. 
Wells Fargo decided it would be appropriate to stop payment on ALL XXXX  purchases even though that is not what I had asked. About a month later I received a call from XXXX letting me know I had a balance with them. I immediately called Wells Fargo to see what the issue was and thats when they told me that no payments to XXXX were being approved from my account. After reversing this, I paid the balance with XXXX and immediately began the process of closing my accounts with Wells Fargo. Id been a customer of theirs since 2007 and had a checking, savings and student loans through them.
Consumer complaint received 2024-04-15
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. (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 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 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These accounts were paid off in full. See attached letters. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. Also all of these accounts were paid in full, per all of the attached letters. These accounts should be removed since they were paid off years ago. The credit reporting agencies ' dispute department has failed to correct the inaccurate payment status ( which should state " PAID '' ) and the agency has failed to correct the payment status to " CLOSED : PAID AS AGREED ''. ( XXXX and Transunion ) should not be allowed to post and/or re-post inaccurate information to my credit files, at all, since the inaccuracies are abundant and constant. The following accounts should have a PAID payment status and a PAID account status and nothing should be listed as delinquent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. Nor list inaccurate payment histories or false status or comment notes on my credit file. 15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

In XX/XX/2018, I mailed all required documents and a letter requesting that Protected Consumer Freezes be placed on my XXXX childrens ' social security numbers. We have no reason to believe their credit has been used but want to prevent this from happening. XXXX  and XXXX   mailed letters in XXXX saying that the Freezes had been placed. Equifax mailed 4 letters dated XX/XX/2018, saying they were unable to locate my childrens credit files and generally advising me to mail in the documents I already sent them if I thought my childrens credit has been stolen. I have spent a couple hours on the phone, the last being today XX/XX/18, being bumped or given phones numbers for various departments within Equifax trying to find the correct department without any progress. I am at a loss of what to do next as I feel it was a big security risk to mail all my childrens identifying information at one time to begin with, and then Equifax can not find these documents and are suggesting that I resend them. No one at Equifax seems to know anything. Can you help? This shouldnt be hard to protect my childrens credit with a company the Government makes me beholden to. 
Thank you for your help.
Consumer complaint received 2024-04-15
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. (IN)

I ask for proof that I gave written or oral consent that im responsible for these accounts.. 
these accounts are in violation of the fcra 15 u.s.code 1681b 15 u.s.code 1681 s-2 15 u.s.code 1681 c-2 15 u.s.code 1609 p
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This account has been disputed on several occasions since early XXXX. XXXX, XXXX and XX/XX/XXXX this XXXX XXXX Account has been disputed with Equifax. The account comes back verified, but I am not provided any information as to how the account t has been verified. I have reached out to the company XXXX XXXX in several occasions with no success on any resolution. XX/XX/XXXX the XXXX XXXX  account was challenged through equifax to provide verification. They opened the account, when the account has been closed since XX/XX/XXXX and then closed the account.
Consumer complaint received 2023-04-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2023 I spoke with JP Morgan Chase about possibly opening a business account to get a loan they advised to first attempt to get a loan when I was speaking to the business loan advisor she explained I would most likely not get the loan I wanted so i told her to not worry about the loan I do not want to attempt it and I also do not want to open a business account. Later that day I checked my credit report and it was in fact hit with a hard inquiry and i received no information about this loan or business account. I called JP Morgan Chase and spoke to their business account department and they said that their is no application or account showing in my name. They then said I should report it to the credit bureau agencies to have it removed.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX CREDIT REPORTING AGENCY REFUSES TO FOLLOW THE LAW AFTER I SUBMITTED A IDENTITY THEFT POLICE REPORT TO REMOVE AND BLOCK FRAUDULENT ACCOUNT FROM MY FILE. THEY REQUESTED THE POLICE REPORT AND I PROVIDED IT HERE IS THERE REQUEST
Consumer complaint received 2024-01-14
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. (PA)

I sent Equifax multiple dispute letters regarding the following collection account : Alleged account : XXXX XXXX XXXX Alleged original Creditor : XXXX XXXX XXXX XXXX Alleged amount owed : {$10000.00} and I received the response, but they have not shown me proper procedures and that they did a real investigation. They just said, this item was verified. 
How was it verified when the collection company has not validated or verified this information with me? Also, I want the item deleted immediately. 
THEY ARE REPORTING MISLEADING DATA AND IVE CLEARLY SHOWN PROOF THAT THIS IS ALL MISLEADING!
Consumer complaint received 2023-08-18
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. (IN)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in XX/XX/2018 I have purchased vehicle from XXXX XXXX. But I do see additional hard inquiry pulled by XXXX XXXX XXXX, XXXX XXXX though I never applied or gave consent to them. Please help me to correct this from my report.
Consumer complaint received 2024-01-08
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (CA)

I received an unsolicited debit card from ACE Elite Visa, called the company to inquire about the card and account I didn't open. XXXX says they see the account in my name, but will not allow be to dispute the account. Account and card have not been activated.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

Subject : Request for Evidence and Resolution of Unauthorized Transaction I hope this letter finds you well. My name is XXXX XXXX, and I am writing to address a matter of utmost importance concerning an unauthorized transaction that occurred on XX/XX/2023, involving my Wells Fargo account. 

On the aforementioned date, an unauthorized transaction amounting to nearly {$25000.00} was debited from my account. What deeply concerns me is that I received a call from Wells Fargo during which I underwent an authentication process to approve the transaction. However, I wish to emphasize that I did not provide any form of consent or authorization for this transaction, nor did I initiate it in any capacity. 

In response to this incident, I promptly reported the fraudulent activity to your customer support team, expecting a thorough investigation into the matter. Regrettably, I was informed that the case had been closed following an investigation, with no change in the conclusion, and a noticeable lack of substantial evidence to support their findings. Despite my repeated requests, Wells Fargo has been unwilling to provide the evidence I have demanded to corroborate their stance. 

I understand that there have been cases of fraudsters duplicating phone numbers and authentication methods. However, I must emphasize that during the call in question, I was told that the call was from Wells Fargo, it originated from Wells Fargo 's official phone number, and it employed Wells Fargo 's established authentication system. Given these circumstances, it is reasonable for me to seek evidence that this transaction was not initiated by Wells Fargo. They will not provide that evidence to me! 

As a loyal and long-standing customer of Wells Fargo , I have entrusted the safety and security of my financial matters to then institution for a significant period of time. This unfortunate incident has severely shaken my trust in the institution. Therefore, I implore you to revisit my case with unwavering commitment to resolve this issue and to restore the financial resources that were wrongfully taken from my account without my knowledge or consent. 

I kindly request that Wells Fargo conduct a comprehensive reevaluation of the evidence at hand, reexamine the details of the investigation, and take the necessary measures to reinstate the funds to my account unless definitive evidence emerges that proves my involvement in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review process. 

Although they say they have concluded their research they have yet to prove to me that they, Wells Fargo, did not commit this fraud. Please require Wells Fargo to provide that evidence. 

This has devastated my life! 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

Below is an email I sent the bank : I have called for 2 days to see why my payment was returned by you. Below is a screenshot from my credit card company showing the the ach payment for {$150.00} made XXXX was RETURNED by you and I have been charged a {$30.00} return fee. I was told by your representative XXXX at XXXXXXXX XXXX XXXX  that you had a system outage on XXXX  and since the payment was still pending that it would go through. Today I have received from my credit card company a charge of {$30.00} for a reversed payment and this is NOT my fault! There were plenty of funds in the account to cover the transaction
Consumer complaint received 2023-05-01
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day!
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 

the Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this ground for removal they also violated my right under 15 U.S.C 1681 section 602 A States I have the rights 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
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. (OH)

In accordance with The fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} has violated my rights 15 u.s.c. 1681 section 602 A states I have a 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. Neither company was able to furnish me with my original contract these accounts should not be reporting THESE ACCOUNTS DO NOT BELONG TO ME I HAVE NEVER ATTENDED COLLEGE OR APPLIED FOR STUDENT LOANS
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-15
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. (WA)

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 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting false latenesses on my credit report. I asked why they were reporting lateness when I was never late, they said it would take up to 30 days to investigate. It has been beyond 30 Days, I ask that Equifax remove the latenesses.The accounts are below. 
XXXXXXXX XXXX XXXX XXXXXXXX