davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I recently went to qualify for a home loan and to my surprise an old Wells Fargo Account appeared - this was fine as I am aware, but it was reporting that I was late as of XX/XX/2023 ( last month ). The account was closed, marked as paid, and settled but it is still appearing. Wells Fargo says the can make no representation on how the account appears and Im at a lost.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, 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 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 2023-03-12
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. (IL)

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I am a XXXX veteran I receive my VA XXXX check there, Social security check there and payroll check. Often times I am in an out of the hospital due to my XXXX and I have a care person that takes care of my banking needs. Just recently I have discovered my account has been abused and is in the process of being closed which will put me in a worse condition financially and put me at risk of not being able to pay bills. I would like for the bank to reconsider the closing of my account and unlock it so that my direct deposits may hit and if I have to I will close my own account but this is an inconvenience to someone who served this country. Wellsfargo bank should be ashamed
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (TN)

I called Truist Back and advised them that XXXX was trying to take money out of my account through a special moneyntransfer that I had never heard of. Truist said dont worry, we got this, They lied. XXXX got {$1000.00} of my money, than they got {$700.00} of my money from my XXXX  account. XXXX  got my money back, Truist never did, they are being very evasive about it, adding overcharge fees to my account as well. They absolutely refuse to get me my {$1000.00} back. Truist and XXXX have ripped me off for {$1000.00} dollars. This started with a fellow named XXXX XXXX at XXXX, and XXXX XXXX  in XXXX  services XXXX Where is my money?
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since XXXX of last year, I have repeatedly sent My Social Security Card and Drivers License to Capital One. I provided these documents both before Capital One activated my credit card, which they accepted and activated my Capital One Credit Card, and after Capital One deactivated my Capital One Credit Card and online account without cause, as evidenced by the attachments to this complaint. However, Capital One has disregarded all of my efforts to comply with their requests after my Capital One Credit Card was deactivated by Capital One. 

In an attempt to resolve this matter, I emailed Capital One and Capital One executives XXXX XXXX ( XXXX ) and XXXX XXXX ( General Counsel ). Unfortunately, neither of them has responded appropriately. Instead, I have received responses that fail to address any of the issues raised in my email. In addition, correspondences were not signed and there was no contact information from individual and/or department where the letters came from. As of today, my card remains inactive. 

I have been unable unable to access my Capital One Online Account, and I am unsure why there is a balance on it since I made payments earlier this year, without a Capital One statement, following the deactivation of my credit card by Capital One. 

I request CFPB intervention for Capital One Credit Card re-activation and and ensure that Capital One refrains from imposing unwarranted charges on my account. This is particularly important considering I have been unable to access my online account and utilize the card since XXXX of last year.
Consumer complaint received 2022-12-04
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: EQUIFAX, INC. (IL)

XXXX XXXX has reported 3 late payments on my report. I have never been late with my bills until Covid. The CARES Act, which was signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). )
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I have attempted to contact the credit reporting agencies to correct negative, incorrect information being reported which is causing me harm due to the fact I can't conduct certain business necessary to take care of me and my family 's needs. It is nearly impossible to speak with anyone at any of the CRA 's. The operators either disconnect the call or there is only an automatic response prompt which is never helpful.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  {$0.00} XX/XX/XXXX
Consumer complaint received 2023-11-22
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)

I checked my credit report and found that some of the data were incorrect. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
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: EQUIFAX, INC. (VA)

Hello, I hope someone could help me with the removal of these unfamiliar accounts that are being reported on my files. I have made some letters addressed to the credit bureaus and collections explaining my side. I would appreciate it if this will be resolved right away. 

Regards, XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 2023-12-20
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. (OH)

Dispute of Fraudulent Loan Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent loan and credit cards accounts that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. 
I have recently become aware of an account listed on my credit report that I believe is the result of identity theft
Consumer complaint received 2024-03-13
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: TRUIST FINANCIAL CORPORATION (MD)

Wednesday XXXX XXXX XX/XX/XXXX and the XXXX or XXXX day of ..and the same I talked to the leader we applied they said that I have to many inquiries and another said dont have enough credit history then another one said need to get a mortgage try getting a hi interest credit card.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I have already sent a letter to Experian, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2023-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I received a bill in the mail that I owe {$1100.00} From XXXX, XXXX, XXXX  it says I had a XXXX XXXX XXXX XXXX  account. I never owed money to them whatsoever in fact I've done my taxes for years with XXXX XXXX XXXX XXXXXXXX and I was never told I owed money you have the wrong person without a doubt I do not owe anything that's a very long time ago and I feel now I'm being scammed. According to this bill my account number is XXXX my address XXXX XXXX XXXX XXXX Ca XXXX
Consumer complaint received 2023-04-26
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: CONTRACT CALLERS 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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CONTRACT CALLERS, I XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

My consumer rights are being violated due to the presence of inaccurate information! I have the right to fair treatment from those managing this data. Therefore, kindly furnish all available details elucidating how responsibilities towards accuracy and compliance were neglected. I formally challenge you to scrutinize your records concerning me. In accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C 1681I ) and Metro 2 compliance standards, I contest any inaccuracies or deficiencies in reporting. The credit report I received is inaccurate, and it is surprising as adherence to FCRA and applicable Metro 2 data field formatting standards is expected.

As a consumer, I have outlined concerns about your reporting in this document. It is incomplete and fails to meet applicable standards, as both FCRA and Metro 2 compliance require truthful provision of correct information in a timely manner to avoid violating any of my rights. I am aware that generic form letters have been sent in response to disputes and challenges from consumers, irrespective of the specific information provided. This is illegal, as each dispute and challenge should be addressed individually based on its merits. My letters were generated using widely available software. Failure to process my letters constitutes a violation of 15 U.S. Code 1681i.

Please note that delaying the processing of consumer letters based on assumptions of third-party assistance is not a legal exception. I am the author of any letters bearing my name, created with my full knowledge and consent. There is no legal requirement for a Power of Attorney to process consumer letters promptly. Failure to do so will be construed as an intentional disregard of my consumer rights, prompting legal action through my lawyer.
Consumer complaint received 2023-05-02
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. (LA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items 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
Consumer complaint received 2023-12-20
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. (GA)

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 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 2023-04-25
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 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 2023-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I got an email that an account was opened for me on Bank of America. I do not have any BoA accounts nor have I ever opened one. I was able to get on the phone with BoA and close the account after verifying that is was not a phishing email. There was indeed an account opened under my name but there was no activity on the account and I was able to close it within 4 hours.
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CO)

I received refund Federal income tax refund check {$31000.00}. On XX/XX/XXXX I received confirmation of my Citi Priority XX/XX/2023. When I tried to get cash out I got 3rd degree from fraud department every single time. They let me deposit {$500.00} check from a XXXX in North Dakota who pays me cash rent & never had any problems, but when it s Federal Income Tax Refund, they treat me like I am a common criminal. I have told them that I am a XXXX and bill collectors are calling day after day. 

I just don't need added stress. Fraud department phone number XXXX Routing number XXXX Account number XXXX
Consumer complaint received 2023-12-20
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. (NC)

XXXX XXXX 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 XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

I have a mortgage with my home with Mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX I am retiring and wanted to pay off my mortgage I ask for a pay off quote and the sent one for XXXX I got two certified checked from two accounts one for XXXX XXXX and one for XXXX put them in the same envelope and sent it certified male they sent me an invoice said the needed XXXX for an escrow shortage as the had paid insurance and taxes for next year I called and they said they received the certified letter at the XXXX and if I played the XXXX my mortgage would be played off so I had them take it out of my auto pay account and then was told to go on the web site and shut off the auto pay witch I did and then the sent a statement that said that they only received XXXX and just called them and they have stated that they never recieved the XXXX I believe they are trying to rip me off and I have stoped payment of XXXX check to them I don't believe any one should do business with them they messed up the insurance payments and the insurance company keeps sending me the over payment back I call they say it is a problem with XXXX I call XXXX XXXX they tell me that they have no policy for me it stressed me out so bad I desided to pay off the loan we do they insist in ripping off old people?
Consumer complaint received 2024-03-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

This debt collector employed abusive, deceptive, and unfair tactics prohibited by the FDCPA. They provided information on an account we did not consent to, and I did not sign any agreement regarding it. A legal contract involves the consent of both parties, in which I had no participation. Furthermore, they failed to adhere to the proper five-step validation procedure, constituting unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and it's evident they infringed upon my rights.