davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo Closed my account because they said Ive submitted too many claims. If my account has been compromised by faults other than my own how are they closing my account and wont allow me to open another one? Every claim Ive submitted came back accurate so Im a little confused and I believe the bank is bias or XXXX
Consumer complaint received 2024-02-02
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

I recently contacted XXXX XXXX, to replace the floors in my Home. I was approved for a Loan with Wells Fargo and was told my monthly payments would be {$360.00}. The agreement was to pay on the XXXX of each Month. I signed everything and have not missed a single payment. I recently noticed a {$40.00} late fee for making a payment on the XXXX instead of the XXXX. I was honest and mentioned to the Wells Fargo Representative that I'm currently undergoing XXXX XXXX  and I requested to change my due date. Wells Fargo declined to change the due date until I pay them the {$40.00} late fee. I told them that I was not able to do so. Wells Fargo started calling to collect the " Past Due '' amount. I told Wells Fargo at that time that I had already made a payment. The Representative told me that she was calling to collect the payment for the following Month. I asked if it was ethical to collect a payment that was not due yet. She pressed on to collect the payment which was not due yet. I politely asked Wells Fargo to cease and desist any form of communication with me. Wells Fargo has since violated my request and they continue to call to collect a bill I have already paid. Prime example ; I was due on XX/XX/XXXX. I paid {$370.00} on XX/XX/year>. On XX/XX/XXXX, Wells Fargo contacted me to collect a Payment I have already paid.Why? I think Wells Fargo is disregarding my request and is engaging in intimidating and harassing me on purpose. I signed a contract to payoff the loan in 4 years. I'm 6 months into my 48 months. I need the bullying to stop once and for all.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (MD)

No changes were taken. I have already informed them that i am a victim of identity theft. I explained to them that i have never disputed the account as never late and therefore they need to make that investigation. I have always disputed that account as identity theft asking for reinvestigation and sending me results and artifacts but they are not following the law and proper procedures such as verifying wet signatures or deleting the account within 4 business days of receiving the paper work.
Consumer complaint received 2023-06-05
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. (PR)

Delete these accounts ASAP. 

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 : XXXXXXXX XXXX  Account number : XXXX Credit card opened XX/XX/XXXX Account charged off. {$9200.00} written off. {$9200.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened XX/XX/XXXX Account charged off. {$5000.00} written off. {$14000.00} past due as of XX/XX/XXXX. 

Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Date opened : XX/XX/XXXX Account charged off. {$5100.00} written off. {$5100.00} past due as of XXXX XXXX. 

Account name : XXXX, Account number : XXXX Date opened : XX/XX/XXXX Status Closed. {$2200.00} written off. 

Account name : XXXX XXXX XXXXXXXX, Account number : XXXX Original creditor : XXXXXXXX XXXX  Company sold- Account type : Debt Buyer Date opened : XXXX XXXX, XXXX Status : Collection account. {$1700.00} past due as of XX/XX/XXXX.
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Previously, I made an investigation about these items with incorrect information and after checking your responses, I recognized that the same items are still incorrect, with a confirmed status. Please correct the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (CA)

Dear CFBP, I am writing to follow up on my complaint against Wells Fargo, which I submitted to Wells Fargo in XXXX of last year. I have yet to receive any response from Wells Fargo regarding the issues that I raised, and it has now been several months since I first brought this matter to their attention. 

My complaint concerns the illegal repossession of my vehicle, fraudulent activity, and false financial statements made by Wells Fargo. I believe that their actions have caused significant financial and emotional harm to me and my family, and I am eager to see this matter resolved as soon as possible. 

Given the lack of response from Wells Fargo, I am growing increasingly concerned about the progress of my case. I urge you to take swift action to hold them accountable for their actions and to ensure that I receive a fair and just resolution to this matter. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon.
Consumer complaint received 2024-01-31
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. (FL)

I have formally requested Equifax to conduct a thorough investigation into the account they've included in my credit report. Despite making this request on at least three occasions, Equifax consistently responds by asserting, " Account meets FDCPA requirements. '' However, they neglect to carry out a genuine investigation, as evidenced by the fact that if such an investigation were truly conducted, the account in question would be expunged.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

As I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX and XXXX, 2024, I was trying to rent an apartment Equifax is refusing to verify my identity and returning a Fraud comment to the apartments, who then refused to rent do me. 

I called Equifax and they told me that there was a XXXX  required after my name There is no XXXX in my family and I have never used XXXX on anything ... nor is it my legal name. 

I have no idea where the got that information and why they are reporting that it is on my account. It is not listed in my personal information on my Equifax account I called and spent some time trying to get them to remove it ... and asked how they could actually put it on my account without my permission. They would not answer. 

They want me to prove that there is no XXXX on my name by sending them my ID. I told them they needed to prove to me why they have put that on my name without permission. They would not. Nor would the provide a link for me to upload information ... which i don't really want to do in the first place. 

They said I would have to mail proof of who I am to them to for them to remove it. I do NOT want to send my ID in mail, nor do I feel the onus to fix this is on me.
Consumer complaint received 2023-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting for dispute with the consumer report agency I got from XXXX XXXX XXXX that the record still has that record, I am very afraid because the record will ruin my future. I feel like there will be an obstacle in my job, and I am very scared, last time I tried on my name house leasing I did not qualify for house leasing, onXX/XX/XXXXI tried to open a bank account from XXXX XXXX they did not allow to me open account reason consumer report agency, Then I realized that. Please support me for that record consumer report agency. What should I do about this?
Consumer complaint received 2024-01-30
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear CREDITWISE Dispute Team, Hi Capital One, this is XXXX XXXX and my friend which is my financial advisor XXXX XXXX from CapONE suggested I contact you regarding an Account Review Inquiries or disputed item on my credit report. I as a federally protected consumer would like the Account Review Inquiries to be removed and they are not authorized one inquiry mentioned that I did a consumer request. I did not do any request for any services at Capital ONE credit monitoring services through CREDITWISE. My issue and a mistake is unauthorized inquiries on my report.

I would list the Account Review Inquiries from CREDITWISE. CREDITWISE are Capital One inquiries. 

The Account Review Inquiries are : XXXX XXXX via CREDITWISE CAPITAL1 XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX CAPITAL XXXX XX/XX/XXXX XXXX Account Review Inquiries totaled. 
I also going to send you two XXXX credit reports so you can see them. They are highlighted in YELLOW coloring. I have reported this issue since XXXX of last year. 
FTC # XXXX XXXX XXXX File # XXXX Dates Issued XX/XX/XXXX - XX/XX/XXXX XXXX XXXX Code 1681i along with Fair Credit Reporting Act ( FCRA ) I as the consumer I am requesting you to investigate this dispute and make necessary deletions in my credit file. The FCRA also requires Capital One to provide me a written notice of any action taken within five business days after completing its investigation. 


This is XXXX XXXX XXXX signing off Sincerely, Clients name : XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (WY)

On XX/XX/2023 my mortgage was officially released and the release document was recorded with the county real estate office. This mortgage is still showing as active on my credit. in XXXX of XXXX  the new owner of the property did not make their mortgage payment and that was reported on my credit. Flagstar bank has refused to talk to me about this and will not do anything to fix the issue. because of this my credit score has dropped drastically and I am unable to get a mortgage.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the fair credit reporting act Capital One Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX, XXXX XXXX XXXX : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX
Consumer complaint received 2024-02-22
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: United Funding Logistics, LLC (OK)

I signed up with UFL in XXXX of 2023. I can not even get them to speak to me about the debt repair services they sold me. I have countless unanswered messages in their portal as well as email and phone. I bought a package that included services for my wife and it is the same in that account as well.
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

CDR originally contacted me XX/XX/XXXX requesting that I pay XXXX or complete a COVID19 form. The COVID19 form was completed as requested and then C.D.R. attempted to collect debt in the amount of {$5900.00} on XX/XX/XXXX.
Consumer complaint received 2024-01-22
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I still have not received a prepaid XXXX card for Unemployment insurance. I was approved for payment in XXXX in XXXX. I have a letter from XXXX that says I am approved for benefits.
Consumer complaint received 2024-01-21
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. (FL)

XXXX XXXX XXXX Account number XXXX In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services.

This is a breach of contract and an adverse action for exercising my rights.

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Consumer complaint received 2023-06-15
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: CITIBANK, N.A. (NV)

I already had a Best Buy credit card, and when i XXXX  to a new state I did not get a new card in time. They have a cool feature that if you give them your social they can look up your card info and charge that Bestbuy card digitally. The person ringing up my items tried to get another card in my name, or just negligence on his part but he ran another credit card resulting in a bad pull. I was denied obviously since I already had a card, but the inquiry will not drop off for two years. I have emailed citi Best Buy services during the time of XX/XX/2022. They told me it would take 90 days for them to respond to the claims. Ive been trying to reach them for months with no updates, and the hard pull is still on my record.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$120.00} XXXX XXXX Balance Owed XXXX {$19.00} XXXX XXXX XXXXXXXX Balance Owed : {$32000.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$0.00}