davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (SC)

I have bee writing the consumer complaint department about a bank issue with XXXX XXXX XXXX and Wells Fargo { Wachovia }. when i got my XXXX settlement in XX/XX/2011 I put XXXX and XXXX at XXXX XXXX XXXX and XXXX at Wells Fargo. there was XXXX dollars stolen from XXXX XXXX XXXX and XXXX stolen from Wells Fargo. 
I tried to take Wells Fargo to magistrate court in XXXX, SC and XXXX XXXX XXXX I filled out complaints at BBB, Consumer Affairs, FTC and CFPB. In light of what has happen in the past months or so there has been a CLASS Action law suit filed on both banks both for consumer FRAUD, XXXX XXXX XXXX was for mortgage Fraud and Wells Fargo FRAUD was about consumer false accounts and credit card issue, both is what has happen to me but still yet no one is willing to help me get my money back. i have been very sick with XXXX. I was planning on trying to get a house with that money. My situation involves someone trying to get mortgage loan and credit cards which also shows up on my credit report, i have had a number of fraudulent accounts to show up on my credit reports all of which i have to seen along with this complaint. If someone could just take a look at my paper work you can see how they access my account and took my money. i have filled out affidavit and numerous complaints. I am hopeful to think that since what has happen with other court actions that there may be a chance for me to try again to get my money back.You can see from paper work that someone maybe a person whom work at the bank access my account by using the people whom were drafting from my account for my monthly car insurance draft and my monthly renters insurance fee, they went in took the money from there and left XXXX amount .if someone could take interest in letting me know how i could have got in on the class action law suit or if someone at the CFPB could become interested enough to point me in the right direction or if its just a loss cause at this point. I have been complaining about since it happen and i also notify the Social Security XXXX Office..XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (GA)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX CBNA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX THD/CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX THD/CBNA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CITI CARDS CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CBNA/THD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CITIBANK NA., BEST BUY XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I sent disputes letters to both the creditor and the credit bureaus letting them know that these inquiries were not authorized by me.
Consumer complaint received 2023-09-07
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. (TX)

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 


Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-04-20
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. (FL)

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 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 2017-05-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I was charged a {$35.00} NSF fee. I requested  for TD B ank to return the fee because not only did they charge me the {$35.00} NSF fee but they paid the charge to   XXXX   XXXX   XXXX    on    XXXX  but on  XXXX / XXXX /  XXXX   they reversed the charge causing the company to also charge me a fee. That is not right for them to pay and then reverse and still charge the fee. I opened this account online and I indicated to a few reps that I did not agree to this. I was told that they previously credited NSF fees but the few fees that were reversed were due to no fault of my own so they were justified credits, not done as a favor as they tried to make it seem  .So,  I requested for the rep to forward me a copy of the application signed by me because I know I did not agree to these terms and I was directed by the rep to go into a walk in location. I informed her due to health issues I can not go to a walk-in location ; however I am supposed to be able to request this information in this format as well. I have had the account a while so it is not as if I am a fly by night customer.
Consumer complaint received 2023-11-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Im a Dealer in the state of Georgia. A customer came to my place to test drive a vehicle that she liked and wanted to buy it. She applied for a loan with USAA credit union that she is a member with. She was aproved for that loan and promised that with in 2 to 3 days the funds will be at the dealers bank account. after about 12 days the customer gave me premission to call USAA, and I did. I talked to someone who told me the loan is under review I asked to speak to a manager and after being on the phone for about 30 minutes the only respond I got is that the loan is under review. I decided to call again at this point the loan has been aproved 2 weeks before. to save time I asked to speak with a manager whom told me again that the loan is under review I replies by asking Please explain to me why has the loan been undre review for the last 2 weeks? why is it taking that long?

I got no reply. when I stated that I will be filing a complaint against the bank she replys " Are you thretning me? '' one more thing I wanted to add that everytime I called and my costomer called we had to speak to someone else they dont have one person that is responseble for the loan.

USAA credit union has showed behavior of restricted unfair actions, deseptive and abusive actions and should be properly disciplined for sush actions
Consumer complaint received 2023-09-30
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. (TX)

I have fraud XXXX and XXXX XXXX on my credit. Still Experian has let unauthorized access to my credit file. 

Incident Happened today XX/XX/2023. Just checked my file .... Since i did not pay for there subscription. They have removed the locked and fraud alert. 

I want to see what the CFPB and FTC will do
Consumer complaint received 2023-11-13
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: EQUIFAX, INC. (LA)

I recently checked my report and I seen that I had unauthorized inquires on my account. I am a victim of identity theft. I have no knowledge of these inquiries. Theses inquires must be removed no later than 4 business days as per U.S. Code 1681c-2.
Consumer complaint received 2023-11-13
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. (MD)

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to TRANSUNION. In my credit report from XX/XX/2023, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 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 2017-03-30
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: U.S. Auto Credit Corporation (FL)

US Auto Credit employees are contacting my job, family members, and friends sharing my debt information with everyone. They are showing up to every persons home listed in the contract and letting them know personal information also asking personal information in regards to me. When I call to make payments they do n't allow me authorization for automated pay services. Instead, I must go through their rude customer service agents who constantly argue with me unprofessionally about paying my debt. I see no reason to dispute with me when I 'm actually paying for the automobile. I have been receiving this harassment for months and I am no longer allowing this to happen.
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (NY)

In XXXX, I signed up for a trial class of XXXX XXXX- never agreeing to a membership- only a single trial session that a gym trainer asked for. 
I paid {$1.00} for that. 
I never agreed to a membership contract or a monthly membership but they fraudulently used my details to sign me up for a membership without my consent. 
I repeatedly tried to get in touch with them but they never helped and sent my account to collections. 
Aldous associates has been trying to collect my debt but they fraudulently obtained my SSN - even though I didnt get an SSN until XXXX and reported the debt. 
I repeatedly told them that these transactions reported by XXXX XXXX were fraudulent but and asked them to give me proof of any contract I signed physically but they never gave me that and my credit score is tanking now. 
its affecting my life, my financial and mental health, all for an amount of {$150.00}. I even told them I'll pay them off but will never accep tto the debt cuz its not mine and XXXX XXXX fraudulently did that - but they stil didnt help
Consumer complaint received 2023-09-11
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. (CT)

My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a XXXX XXXX  account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( XXXX ) were being reported legally. What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. What was the cost incurred by your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party. Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Please provide the specific date on which the items will cease to be reported. I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( XXXX ) days of the completion of your investigation.
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Medical-Commercial Audit Inc (MO)

I sent a certified letter to MCA Management in XX/XX/XXXX advising that I am disputing the charges as well as advising to stop ALL communications with me due to disputing. I received a email on XX/XX/XXXX re-requesting payment for the debt
Consumer complaint received 2017-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (WI)

We were supposed to receive one annual tax disbursement from our escrow account on or before  XXXX   XXXX , made out to us and the tax authority. That amount would have equaled {$3700.00}. Instead we received a check from  Franklin American f or {$750.00}.     Once we got a second tax bill in    XXXX  2017  --  and no check from  Franklin  -- we realized there was something wrong. They had paid us a quarterly payment instead of an annual payment. After many long, fruitless conversations with the service center, and one with a helpful ( and knowledgeable ) person at the corporate headquarters, we thought we had the issue resolved.     Without our knowledge,  Franklin  sent a check for {$2600.00} directly to the tax authority. We were literally about to mail a tax payment ourselves ( and consider hiring a lawyer ), since  Franklin  had never updated us as to the status of our tax disbursement.     This leaves a remainder of {$320.00} in our acco unt ( if  my math is right ) that  Franklin  should have sent us  four  months ago. We 're still waiting.
Consumer complaint received 2023-09-08
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. (PA)

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. XXXX XXXX AMOUNT : {$610.00} ACCOUNT NUMBER : XXXX XXXX. XXXX XXXX AMOUNT : {$6600.00} ACCOUNT NUMBERXXXX XXXX. XXXXXXXX XXXX AMOUNT : {$1200.00} ACCOUNT XXXX XXXX. XXXX XXXX XXXX XXXX $ ACCOUNT NUMBER : XXXX PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY! 
ITS BEEN 60 DAYS OF ME DISPUTING THESE WITH NO VERIFIABLE INFORMATION However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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, they arent even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case