davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo has allowed my bank account to be tampered with by way of address changes and movement between XXXX bank accounts to include XXXX wire transfers totaling {$44000.00}, all in the matter of hours. They are stating that I am at fault when they can not show proof by the voice recording or any proven identification that I allowed these transactions. I have been disputing this since XX/XX/XXXX and they did not open a claim until XX/XX/XXXX. The fraud representative has accused me verbally of causing this fraud and was verbally abusive. The correspondences received from the dispute prove that Wells Fargo is not taking this matter seriously and they are continuing to base their findings on XXXX day and not the several in question. Wells Fargo charged my account XXXX for {$7000.00} following this incident and sent a check for {$1000.00} for pain and suffering after they admitted they were wrong. They then charged my bank account off while in the dispute, causing my business credit to drop immediately. The next XXXX days following they lowered my business credit card limits that I have had for over XXXX years stating my credit was at risk. The credit is at risk because of their negligence to take responsibility for allowing cash advances, transfers and wires that I did not authorize, nor were they verified. The XXXX office continues to not address the facts of this dispute. I have been a customer for over XXXX years and never requested a cash advance or a wire transfer. I have had to pay Wells Fargo {$7000.00}, plus all fraudulent cash advances and withdrawals just to keep my credit that was in good standing from dropping further than the XXXX points it dropped because of this. Not to mention that XXXX days before the fraud, I personally tried to transfer my money to another bank online and was sent a message that the amount was too much and I had to come in the branch, only to see that XXXX days later Wells Fargo allowed someone to move money and wire {$44000.00} with ease.
Consumer complaint received 2023-06-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (KY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2022-10-28
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX is fraudulently reporting the below information on my credit report and has not been able to provide any of the information I have requested. Thus they have erroneously and fictitiously provided false information to all 3 credit reporting agencies. If infact the information being reported was correct XXXX XXXX XXXX  would not be attempting to suppress this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX {$970.00} Financial Date of Last Reported Update Balance Amount Amountt Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date Maj Del. 1st Reported Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXXXXXX  {$970.00} {$970.00} XX/XX/XXXX XX/XX/XXXXXXXX  Type of Account - Open ; Type of Loan - Debt Buyer Account ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Collection Account ;
Consumer complaint received 2021-06-30
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: Arcadia Holdings, LLC (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I sent letters to the bureaus and the creditor via certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. Its been well over 40 days and no results are showing. This is my next option before I take this up with my lawyers and sue for full compensations and damages incurred. Please investigate
Consumer complaint received 2023-07-26
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
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: SANTANDER HOLDINGS USA, INC. (NV)

Santander consumer was involved in a class action lawsuit there was a judgement passed down violated the uniform commercial code under 28 u.s.c {$1400.00} ( a ) as a result of the lawsuit any detorgation has to be removed from the credit report also for unfair treatment for violating consumers rights
Consumer complaint received 2022-09-23
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. (CA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

I filed a complaint with you guys regarding my account being frozen for over a month now. Yall closed the complaint stating oh were going to let you get your money go to the bank to get it. Yall wrote a letter and everything. I go up to the bank for them to tell me oh the fraud department said we cant do it like that because of certain transactions. Now IM XXXX. I WANT TO FILE A POLICE REPORT AT THIS POINT YALL ARE THE WORST BANK KNOWN IN THE ENTIRE WORLD. Every minute Im getting conflicting information. You can not steal people money yall make me sick to my stomach then to do this around the holidays ridiculous.
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (UT)

Chime has all my funds locked up and say they cant verify my identity and wont give me my money since XX/XX/2022. Ive provided my ID, mairrage certificate, birth certificate, copy of my apartment, etc. & no matter what I do or how many times I call, they say Im just out of luck. They have {$7400.00} in my checking & {$3100.00} in my savings and $ XXXX in my credit builder accounts that they will not give me access to!
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2022-09-23
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. (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2018-04-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have ask CRA to provide verification of this debt on multiple disputes and still have not removed the debt nor giving sent me any verified information by mail or email. According to the FCRA section 609 they are required by law to do so.

US Department of Veteran Affairs {$6100.00} US Department of Veteran Affairs {$5000.00} US Department of Veteran Affairs {$100.00}
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (TX)

. 
Dear Customer Advocate Services Team, I received your recent letter, Ive calling this number for the past of one month XXXX and my problem have never been resolved. I want to emphasize the seriousness of the situation. I received the XXXX XXXX XXXX XXXX ending in XXXX, but I have never used it. Someone is using this card for purchases without my knowledge or consent, and I have no access to the card details or an online account to check transactions. 

I have been made aware that this unauthorized activity is negatively impacting my credit report. This is unacceptable, and I demand immediate action to rectify the situation : Deactivate the Card : Block all transactions on the card ending in XXXX immediately to prevent further unauthorized charges. 
Conduct a Fraud Investigation : I expect a thorough and swift investigation into the unauthorized activity on this card, as I have no information about the transactions. 
Resolve Credit Report Issues : Work with the credit bureaus ( XXXX, XXXX, and XXXX ) to promptly remove any inaccurate information related to this account. 
I am deeply disappointed with the handling of this matter so far, and I insist on a swift resolution. Please take these actions urgently to protect my financial well-being.
Consumer complaint received 2023-06-14
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. (VA)

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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1, XXXX XXXX XXXX is listed as closed but it is a open account in good standing with XXXX balance owed and high limit of XXXX dollars. ACCOUNT HAS BEEN READING CLOSED N HAS DAMAGED MY SCORE GRATLY. ACT NUMBER XXXX XXXX XXXX XXXX ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXX XXXX Balance is reporting incorrectly at XXXX INSTEAD OF XXXX. ( MY credit with this company was XXXX and now it show limit of XXXX. Which also hurts my credit because it increased my credit utilization with no warning that my account limit would be decreased.Please i need the account to reflect the correct amount that's due. ACT NUMBER XXXX XXXX XXXXXXXX XXXX ( TRANSUNION ) ( XXXX XXXX ) XXXX. XXXX XXXX XXXX correct balance of XXXX and should show XXXX XXXX number XXXX XXXX XXXX XXXX ( TRANSUNION ) XXXX, XXXX XXXX XXXX XXXX XXXX is reporting incorrectly and should report as XXXX. ACT NUMBER XXXX XXXX XXXX XXXX ( transunion ) XXXX ) XXXX. XXXX XXXX IS REPORTING INCORRECT IT SHOULD READ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX is reporting incorrectly. XXXX is amount due. XXXX last XXXX XXXX ( TRANSUNION, XXXXXXXX XXXX  ) XXXX, XXXXXXXX XXXX XXXX is showing incorrectly correct amount is XXXX. ( XXXX )
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (IN)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IN)

Ive never received my loan. When I contacted my loan servicer that told me to contact my school which was XXXX University ( I was taking online classes at the time ) and the school told me they issued out my loan and to contact my loan servicer. But at the end I never received it. This was in 2020.
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 — Public record information inaccurate
Company: EQUIFAX, INC. (NV)

On XX/XX/2023, i contacted XXXX XXXX to dispute identification records as well as public records like bankruptcy information. I called in XX/XX/2023, and they informed me that all information including bankruptcy records were deleted and my consumer file has been updated. I tried disputing the information with all 3 buraus but they do not want to delete the information. On their websites it states that they get their information from XXXX XXXX.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was one of the victims that bank of america took money from. Frozen my account then re opened it with a XXXX balance. havent even even got what is close to the ampunt owed to me from XXXX til now still waiting.
Consumer complaint received 2023-07-26
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. (NY)

Hello, my name is XXXX XXXX XXXX, and I am forwarding this correspondence as an urgent request for you to delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted in order to correct and update my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I Authorize all authorities to check my credit report to remove all Fraudulent Accounts And Inquiries. I am a victim of identity theft so I ask that you complete this with urgency. I am a victim of identity theft!! Please delete these items as soon as possible! PLEASE HELP ME THIS IS AN ONGOING ISSUE AND YOU GUYS ARE MY LAST LINE OF DEFENSE. I am a victim of identity theft!! Please delete these items as soon as possible FROM ALL CREDIT BUREAUS!