davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Multiple times during XXXX transactions were allowed for over the amount that I had in my account which resulted in overdraft fees. I paid {$35.00} a fee and was only allowed one fee waived per year. I work construction and work was very slow for me during Covid pandemic so my finances were upside down and they took advantage of me.
Consumer complaint received 2023-07-13
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

The following accounts have been disputed multiple times, and each time the accounts are updated as verified. I have requested on multiple occasions for proof of verification due to these being medical debts that I have no knowledge of, and I have yet to be provided with copies of these verifications! I am requesting these accounts be deleted immediately from my report for failure to comply with correct protocol on supplying proof of the listed debt! 

XXXXXXXX XXXX XXXX XXXXXXXX : XXXX Amount : {$1200.00} XXXX XXXX XXXX XXXX Amount : {$660.00}
Consumer complaint received 2023-09-24
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. (NJ)

I wrote letters dated and mailed on XX/XX/2023, and XX/XX/2023 to Experian in regards to inquiries I found on my credit report that I didn't recognize and I believed it to be fraud. I'm unfamiliar with disputing items that I believe to be fraud on my credit report. I then reached out to Experian in regards to my concerns and as of today XX/XX/2023, I haven't gotten a response. I'm very concerned and I'm reaching out to your agency for help! Attached to this complaint are all the supporting documents that I sent to Experian
Consumer complaint received 2023-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NCD Financial, LLC (TX)

I paid my loan in total for a full deletion from my credit report. I have the emails to prove the deletion from my credit report. After I paid {$300.00} the company only put paid in full on my credit report, which caused my score to drop XXXX points. When I tried to reach the company to hold up hold their end of the deal, they responded they could not delete this from my credit report.
Consumer complaint received 2024-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I did not authorize anyone employed by these companies to make any inquiries nor to view my credit report. In addition I did not give you ( Credit Reporting Agency ) permission to furnish this incorrect information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
These inquiries that are now reporting via my credit monitoring service are UNauthorized : XXXX XXXX XXXX XXXX XXXX I appreciate all efforts given to remove these errors from my report. I have also submitted a FTC report and will attach here. Blessings to all concerned!
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX of this year, a XXXX  XXXX car that my daughter and I financed where I was the co signer through XXXX XXXX 
Was totaled and paid off in full makung the debt free and clear and repieted it on my credit as I aid in full. XXXX XXXX  then sent my daughter and I A {$4600.00}. Check made out in her name and mine. When I contacted the company, they said it was for overpayment of the totaled car and that the check was ours to keep and deposited due to overpayment and That's why it was made out in our names and again to deposit the check or cash it. Then 3 months later. 
XXXX XXXXXXXX  called us and told us that even though the check was ours, as they stated, they made a mistake on their end and that we have to repay the money 's back even after confirming that they said was ours. I then filed a dispute with the company and the XXXX XXXX XXXX and explained we were tokd its ours to deposit or xah it and that i used it for bills and was contacted and told they that they were doing an investigation. But the next thing I know the company then reported On my credit report that I now owe them {$7500.00} and never contacting me after other than reporting the wrong dollar figure on my credit reports.
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (MA)

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate. This is Securities fraud. Which this will also aid in documentation to the Security and Exchange Commission. When I electronically signed the application for services, acknowledging that I granted Apple Goldman Sachs a security interest tied to an obligation of the United States, essentially considering it as cash. However, I haven't received any valuable consideration for this security, and it should not be disguising a gift to contractual agreement. 

According to Apple Underwriting Agreement with the Securities and exchange under the Company represents and warrants to, and agrees with, each of the Underwriters that : The Securities to be purchased by each Underwriter hereunder will be represented by one or more definitive global Securities in book-entry form which will be deposited by or on behalf of the Company with XXXX XXXX XXXX XXXX ( XXXX  ) or its designated custodian. The Company will deliver the Securities to Goldman Sachs & Co. LLC, for the account of each Underwriter, against payment by or on behalf of such Underwriter of the purchase price therefor by wire transfer of Federal ( same-day ) funds to the account specified by the Company to Goldman Sachs & Co. LLC at least forty-eight hours in advance, by causing XXXX to credit the Securities to the account of Goldman Sachs & Co. LLC at XXXX XXXX The Company will cause the certificates representing the Securities to be made available to Goldman Sachs & Co. LLC for review at least twenty-four hours prior to the Time of Delivery ( as defined below ). 

An underwriter is defined as a person who has entered into an agreement with an issuer or selling security holder to perform one of the following roles : ( 1 ) purchasing securities for distribution, ( 2 ) distributing securities on behalf of the issuer or selling security holder, or ( 3 ) managing or supervising the distribution of securities for or on behalf of the issuer or selling security holder. Essentially, underwriters play a crucial role in facilitating the distribution of securities in various capacities. 

In summary, the account was created and opened in my name after the submission of a credit application, and the security was deposited and transferred to Goldman Sachs without any benefit to me. I assert that a denial or adverse action is not possible, indicating potential fraud. Despite attempts to reach out to XXXX XXXX XXXX, XXXX, as transfer agents, and Apple Inc. 's Investor Relations Department, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX, through telephone and their website, I have not received responses addressing my questions and concerns.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' TD BANK USA/TARGET CREDIT, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, TD BANK USA/TARGET CREDIT whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Early Warning Services, LLC (NC)

XX/XX/XXXX Dear Early Warning, Thank you for contacting in regarding the matters of concluding I have no consumer rights in regarding to my right to privacy pursuant to the Act 1974. I'm providing you honor and convenience and demand the same throughout this process. 

I have received my consumer report via " secured portal '' and demands for you to provide the terms and conditions under the ESIGN Act. I fail to believe such report/file is full disclosure and demand the full disclosure pursuant to FCRA. 

Since my signature was required under duress to receive my file, a financial interest in your company according to the Prospectus form pursuant to the Securities Exchange Commission, which injures and violates me. 

I accept the offer after receiving my consumer file conditionally on Early Warning providing full disclosure of the file and after receiving such file under UCC 1-308 without prejudice. This is my notice to inform you after receiving my consumer file. 

Sincerely
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (DC)

I turned off overdraft on my Wells Fargo debit account over a year ago. There were some bills charged to the account that I was unaware of and they were approved by Wells Fargo despite overdraft being turned off. They have charged me 7 overdraft fees totaling XXXX for payments that should not have been authorized
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (FL)

I opened a TD Bank Signature Savings Account. I was supposed to receive a bonus after doing the following, according to TD 's website : " Open a new TD personal savings account online. This can be either a TD Signature Savings or TD Simple Savings account.

Deposit at least {$10000.00} in new money within 20 days of opening. New money means funds not previously held in any TD Bank checking or savings account. 
Maintain a minimum balance of {$10000.00} for 90 days from the date you first met the deposit requirement. 
TD Bank will credit your account with the {$200.00} bonus within 180 days after account opening. '' I have not received my bonus. Unfortunately, due to the very poor customer service offered by this bank, I have to complain to a regulator to get this issue resolved. Currently, I am dealing with fraudulent transactions on another account, which TD will not remove, as required under US Federal Law.
Consumer complaint received 2024-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (FL)

To whom it may concern, This is an important letter and requires your immediate attention. Please note that on XXXX XXXX XXXX  I sent you a letter along with supportive documentation, asking for your assistance regarding a scam operation that I fell victim to.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (SC)

NAVY FEDERAL CREDIT UNION IS IN SERIOUS VIOLATION OF VIOLATING MY CONSUMER RIGHTS. I HAVE ASKED COMPANY TO PROVIDE MY WET SIGNATURE IN REGARDS TO XXXX ACCOUNTS WITH THIS COMPANY. NAVY FEDERAL CREDIT UNION IS IN SERIOUS VIOLATION OF PERMISSIBLE PURPOSE 15 U.S. CODE 1681 b, The Truth and Lending Act 15 U.S. Code Cap. 41 1601, Extortion, Embezzlement, Debt Bondage, Traffiking, Attestation, Right to privacy 15 U.S. Code Section 602 A, Navy Federal Credit Union did not have my written consent to report to any bureaus which is a violation of 15 U.S. Code 1681 Section 602 A Section 2, also banks do not have real money so why would this bank LIE and say I used their money when the bank used my social security number to create a promissory note that I did not consent which is aggravated theft 18 US Code 1028 A. Also why is this company reporting late payments which is against the law 15 US Code 1681 a ( 2 ) ( A ) ( i ). Why is this company asking for my social security number which is against the law 42 US Code 405. banks do not have lawful money and this bank is committing crimes 12 US Code 1431. Provide proof of the original promissory note, provide wet signature, provide ledger. Reporting on a closed charge of account is a violation that Navy Federal continues to commit 15 U.S. Code 1681c. Client must be compensated due to aggravated identity theft 18 US Code 1028 A. Remove all accounts off of every credit report immediately. Navy federal has also Violated an order to Cease and desist.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XX/XX/XXXX Social security # XXXX Birth Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH. XXXX EQUIFAX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I have been a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made.

ACCOUNT ( S ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : IDENTITY THEFT REPORT A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business day and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX ENCLOSURES : PROOF OF IDENTITY : PASSPORT FAIR CREDIT REPORTING ACT SECTION 605B IDENTITY THEFT REPORT
Consumer complaint received 2024-04-22
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. (CO)

I am trying to purchase a house, I realized that I had damages on my credit report. According to the 15 US 1666b there should not be any damages on my report its a defamation of character.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the FCRA you are in violation of 15 USC 1681 ( A ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been requesting my credit reports from both XXXX and Transunion for the past three months. I started calling both companies back on XX/XX/XXXX to obtain my credit reports. 

I originally requested my credit reports from XXXX and I was only about to access XXXX. XXXX and Transunion both denied me of my credit report and ERROR kept coming up at the time of my submission. 

I called XXXX and Transunion I sent in my 2 forms and identification and a statement letter of my identity and yet still I am unable to access my credit report. I have spoke with managers from both credit bureaus and I they say 72 hour update but its been month and I constantly call in to check and I havent gotten any results. 

I recently found out I can make this complaint and ask for help so I am doing so. 

This has cause financial distress on my life due to my credit being the core factor of my financial needs.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

I have been requesting my credit reports from both Equifax and XXXX for the past three months. I started calling both companies back on XX/XX/XXXX to obtain my credit reports. 

I originally requested my credit reports from XXXX and I was only about to access XXXX. Equifax and XXXX both denied me of my credit report and ERROR kept coming up at the time of my submission. 

I called Equifax and XXXX I sent in my 2 forms and identification and a statement letter of my identity and yet still I am unable to access my credit report. I have spoke with managers from both credit bureaus and I they say 72 hour update but its been month and I constantly call in to check and I havent gotten any results. 

I recently found out I can make this complaint and ask for help so I am doing so. 

This has cause financial distress on my life due to my credit being the core factor of my financial needs.
Consumer complaint received 2023-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

Dear Sir or Madam : PLEASE HAVE THE FOLLOWING accounts deleted due it was someone else name put on my credit XXXX XXXX is NOT MY NAME and her account was on my credit. 
Please delete the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2024-04-22
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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. 
This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. 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. 

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.