davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2023 I received an email from XXXX stating someone had purchased a XXXX XXXX on my account. Hadnt used XXXX in over 10 years. I didnt respond to the number in the email I went on XXXX and looked up how to report fraud on XXXX . I called the number on XXXX and told them about the email and that I hadnt used XXXX in years.He informed me that there were two other charges on my account, one in Texas and one in Ohio.He said I would have to pay the charges and then they would refund my money.He explained the other purchase for the XXXX XXXXXXXX was the most important because it was bought in my name and Im liable for anything that happens with it.He then had me down load an app on my phone called XXXX and that would help him secure my account .After I did that he had me go to my Wells Fargo app and had me add my debit card to PayPal.Then he had me transfer money to my XXXX XXXX account. I tried and the first two times my card was denied but the third time it went through.I still have that {$190.00} in my XXXX  account.Then he had me buy two gift cards from XXXX and send them to myself, XXXX canceled the transaction because of fraud .Then he had me XXXX money to XXXX XXXX XXXX and that wouldnt go through so he had me send {$500.00} to XXXX and that went through. I was getting suspicious at this point but I was tired and had missed my medication so I kept going.He kept assuring me that these transactions would all be reversed 10 to 15 minutes after we finished.He had me go back to my Wells Fargo app and activate wire transfers.He had me wire {$3600.00} to XXXX XXXX Ebersole.After this was done he said everything would be back in my account in 10 to 15 minutes.He asked me to keep the app on and he would call back in 15 minutes .I had been on the phone with him for 5 hours.I called my bank as soon as he hung up and they informed me it was a fraud.While I was on the phone with the bank filing a claim I deleted the app.While I was on the phone with the bank I had over 10 missed calls from him on all different numbers.It took an hour and a half to do the claim.She cancelled the XXXX for {$500.00} and said the wire transfer was still pending and it would stay like that for a couple days.She said the claim would take 7 to 10 days.When I got off the phone with her the guy kept calling on different numbers until XXXX.I answered once and he wanted me to put the app back in which I declined.The original number I called was XXXX and the website was taken down 3 days later.I have screenshots of the website and the transactions if needed
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MI)

I have spent a great deal learning now the difference in finance and credit industry. I have spent a great deal trying to work with XXXX, XXXX, EQUFAX but nothing more insulting think we don't read our rights. After the appeal to fix my credit report was answered by one so far ( XXXX ).
Consumer complaint received 2023-11-18
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: BMW Financial Services NA, LLC (NC)

On XX/XX/XXXX, I disputed an erroneous collections remark from XXXX  via XXXX online for a lease account I had from XXXX. Within the same day, BMWFS completed their review allegedly and instead of providing any information regarding the dispute, they added new collections remarks for XX/XX/XXXXXXXX  and XX/XX/XXXX. 

This account was paid in full and closed XX/XX/XXXX and a new lease agreement was in effect. The first collections remark was added on XX/XX/XXXX. How is that possible when this account was paid in full and a new lease agreement had started the same day ( XX/XX/XXXX )? Even if the remark was correct ( it's not btw ), how would it go into collections that fast? Did the 30,60, 90 day remarks not apply? I've still yet to receive any documentation of the debt in question. 

I currently have another lease account that is scheduled to expire XX/XX/XXXX. Although the current account has been paid as agreed and on-time, I believe that BMWFS is confusing the two accounts and\or adding derogatory remarks haphazardly. I have not received any notices of what I owe, what the debt is for and why it is now in collections status. 

My current lease originally expired on XX/XX/XXXX. However, it was extended by BMWFS until XX/XX/XXXXXXXX  to allow for my new car to be delivered to the local dealership. That should not have resulted in any sort of collections remarks on my XXXX credit report on either BMWFS account listed. The dates in question coincide with the dates that my current lease was extended. Again, this should not have resulted in anything other than " paid as agreed '', not " collections ''.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have spent a great deal learning now the difference in finance and credit industry. I have spent a great deal trying to work with XXXX, TRANSUNION, XXXX but nothing more insulting think we don't read our rights. After the appeal to fix my credit report was answered by one so far ( TransUnion ).
Consumer complaint received 2023-11-18
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. (MN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THIS SECTION ON WHY THESE CREDIT INACCURACIES ARE DETRIMENTAL TO MY LIVELIHOOD. 

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX is on my credit report twice as a hard inquiry and they stated they only ran my credit once on XX/XX/2022 but XX/XX/2022 is appearing on there as well. Please remove XX/XX/2022 immediately. Also, XXXX XXXX ( XXXX ) is also showing as a hard inquiry on XX/XX/2022 and I reached out to them and it's still appearing on my credit. I don't have an account with them and canceled my application before they were suppose to run my credit.
Consumer complaint received 2023-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (SC)

Fell behind in my mortgage and was facing foreclosure when I got help in paying all back payments, fines and fees. the mortgage was purchased by SN servicing corporation from XXXX. I thought I was starting with a clean slate but when I got first statement there was an extra $ 1000+ attached in what they described as lawyer and foreclosure fees that had been paid. they said that they weren't included in the payoff even though they had plenty of time to do so, Then the next month they hit me with a {$350.00} legal assessment fee. For what? I have no idea. They also raised my mortgage over {$200.00} citing low escrow. I paid XXXX mortgage by sending money order because I was locked out of there portal to pay. talked to an XXXX XXXX who reassured me that he would fix that, at that time I made the XXXX payment over the phone using my XXXX account which is backed by XXXX.i thought that was it. a few weeks later I noticed that the money was still in account. called them up and talked to a man that said you can not use XXXX to pay mortgage. I told him that I told XXXX it was a XXXX account and he had not informed me, so I then got on their portal and paid from my normal bank, once again a few weeks later I notice money is in there. I emailed XXXX and he informed me that my account was non existent. I double checked my account and routing numbers and they are correct. I also found out you can pay with XXXX they lied. I contacted his supervisor and I am still waiting to hear from him. during this time they have assessed me late fee charges, returned check fees and I assume my credit score will take a hit for late payments. the only way to pay mortgage through them is with bank account on their web site. they don't accept debit cards. It is like they are setting you up to fail.I have had nothing but trouble since the moment they took over my loan. they are not a mortgage company and should stop trying to be XXXX. I know this is just going to continue over and over again. This has caused unneeded stress in my life. I finally get my mortgage straightened out and then I have to deal with their XXXX.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-03-14
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-14
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)

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 XXXX 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 2023-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

In XX/XX/2023 Chase arbitrarily reduced the credit limits on my XXXX credit cards. This eliminated over XXXX from my available credit and drove my credit utilization up to almost 70 % in a single day resulting in a nearly XXXX point drop on my credit score driving me into a poor range putting me at risk for negative repercussions from other lenders. 

In addition Chase dropped my credit limit below the current balance on one card, ending in XXXX, below the current balance putting me over the limit on that card which i think is against the law. This resulted another ding on my credit report after the initial hit from the reduced limits. 

I called the bank and they gave me normal generic justifications. Then asked me why I had increased the usage of my card ending in XXXX over the past 6 months. I increased usage because the bank offered me an unsolicited very low promotional APR during that period. Basically they used my response to their promotion in part to penalize me. 

Nothing has changed in my income, credit lines, payments to justify the reduction. It is a financially damaging situation dropped on my by the bank. I understand it is no fully illegal but it should be. No business should have the power to arbitrarily take actions that will result in financial harm to an individual that has maintained a good standing in their accounts.
Consumer complaint received 2023-07-14
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-15
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: Experian Information Solutions Inc. (NC)

Experian is reporting via 3rd Party ( reported to be XXXX ) a Chapter XXXX Dismissed Bankruptcy allegedly report to be in XXXX, XXXX. I contested this reporting directly with Experian in writing ( XX/XX/XXXX ) and they responded that it was reported by a 3rd Party ( XXXX ) to them. I then filed a Complaint ( XX/XX/XXXX ) in writing directly with XXXX after being told this was the reporting 3rd Party by Experian. Initially they gave me the " round around '' asking for identifying personal information that they had already been provided. I provided this info again as well as filed a Complaint ( XX/XX/XXXX attached ) against them with the NC Attorney General 's Office Consumer Protection Division. XXXX then responded that the contested Bankruptcy information had been deleted from my file with them. I then in writing ( XX/XX/XXXX ) relayed that information along with another contest of the reporting t Experian and included the document ( attached ) from XXXX stating that the Bankruptcy filing had been removed from my file with them. Experian as a result started a " new '' Dispute investigation and on XX/XX/XXXX notified me that it was complete and the the 3rd Party had " verified '' the Bankruptcy information. That's not true or possible as XXXX themselves verified in writing that the information had been removed from their files just two weeks earlier. 

In addition the Federal Bankruptcy Clerk of Court as per US Bankruptcy Court Policy does not verify or report bankruptcy cases to any credit bureau 's or other such 3rd Party 's.
Consumer complaint received 2023-07-14
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. (KS)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have tried to fix this problem and I would like someone with sense to look into this again. I stated that i was married. I work 50 or more hours a week. Multiple accounts were open in my name with my knowledge because I didn't check emails because my ex wife handled the bills. I disputed an account with Kohl 's department store and they stated that it was indeed mine because the information matches..Of course the information matches that was my wife for 11 years..She had access to those accounts.She stayed at this addresss. Nothing that was purchased was for a man. I would like this to be taking care of because i am taking legal actions because you guys gave her the card.Call the number on the account im sure she will answer.
Consumer complaint received 2023-10-21
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. (TX)

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 15USC 1681. 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 2017-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

ON  XXXX / XXXX / XXXX   XXXX  Bank reported me to Chexsystems for suspected fraud activity and closed my bank account. About 8 months later due to moving, I had another bank account at another commercial bank that I decided to move to another bank so I closed the account and went to the new bank tried to open a checking account and Due to the ChexSystems report from  XXXX  Bank, I was unable to open a new checking account When I found out that  XXXX  placed me in the Chexsystems I contacted them via phone and paid them {$690.00} on  XXXX / XXXX / XXXX  that I did not know that I owed them and requested relief from the Chexsystems report. That  XXXX  never came.     on  XXXX / XXXX / XXXX  I wrote them asking for the report to be deleted because  XXXX  Bank  XXXX   XXXX  to Chexsystems the suspected Fraud was accurate and Verified it as accurate to my dispute with ChexSystems. on  XXXX / XXXX / XXXX  I have requested specific documentation of the alleged fraud how such fraud was committed, Documentation and proof of me doing suspected  XXXX . Documentation of how such said suspected fraud was committed. I have also asked for  XXXX  Bank to give me  XXXX  Banks Chexsystems Reporting policies of how they report customers to Chexsystems and the procedures they must follow. To Date, I have gotten Nothing From  XXXX  Bank.     It 's now  XXXX / XXXX / XXXX  and demand relief from  XXXX  Banks Report of me in Chexsystems.