davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (NJ)

My personal information was leaked on to the dark web and used to purchase a vehicle from XXXX XXXX XXXX XXXX, the following accounts is unauthorized and unverified : XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account XXXX XXXXXXXXXX****. I am writing this report in hopes to get the problem resolved as soon as possible. I uploaded a FTC report as well as my Driver license and bank statement for proof of address. thank you very much...
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX 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 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-21
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. (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. 

The letters are stated with items and issues. 

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 2023-08-01
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: STATE EMPLOYEES CREDIT UNION (NC)

I am writing to NC STATE EMPLOYEES with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-09-06
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 (NE)

On XX/XX/2022 and XX/XX/2022, while I had XXXX XXXX  in a hospital, my checking account received 2 large deposits totally almost {$16000.00}. 
It was from a company called XXXXXXXX XXXX which I had never heard of. 
This was done while I was still in the hospital .On XX/XX/2022, a deposit was made to my bank account in the amount of {$49000.00}, done with an over the counter deposit slip with my account number on it. 
The name in the memo line was XXXX XXXX XXXX. 
It was a Cashier 's Check for the amount {$49000.00}, listing the bank name as XXXX XXXX. The bank teller who took this transaction on the teller line, did not put a hold on this check until it had cleared. 
This person or persons who made this deposit to my account, before the check cleared on XX/XX/2022, made wire transfers totaling over {$48000.00}. 
Because of the check that had insufficient funds, Wells Fargo closed my account, even though I was still under a doctor 's care, could n't drive to submit these transactions to my account. I am holding Wells Fargo bank liable for not putting a hold on this large check, until it sufficiently cleared.
Consumer complaint received 2023-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to submit a formal complaint against Experian regarding inaccurate information on my credit report. Despite my previous contact with Experian on XX/XX/XXXX, I have not received any response or resolution regarding the following incorrect information : These accounts are not mine, and I request its removal from my credit report. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} ), ( XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00}, Original Creditor : XXXX  ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$50.00}, Original Creditor : XXXX ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} ), ( XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} ) and ( XXXX ( Date Opened : XX/XX/XXXX, Balance : {$680.00} ).
Consumer complaint received 2023-01-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Well I received a foreclosure letter from well Fargo so I become panic because my mortgage keeps going up so I found this company to help me get a moniefacation I was so glad to get the help I pay this company so much money and only to found out that they say XXXX can't give me the moniefacation without a good explanation I was devastating so much money I give to this lawferm no help all because XXXX keeps telling me when I try to get the moniefacation from them they were putting me through so much about they didn't receive documents and I have to keep sending them the same paper over and over I couldn't do it by myself so I turned to this company and they didn't do me no justice either they took my hard working money only to tell me they can't help me eny more and was referred me to aother company to take my money a gain I try to contact XXXX again notting they do to help me only to get a letter again to go to court because they but the house in foreclosure now I am finding them a gain I am going through notting but stress sleep less nights because I don't know what is going to happen to me now
Consumer complaint received 2024-04-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (AZ)

I am reporting Wakefield and Associates for violating the Fair Debt Collection Practices Act by failing to give notice of a debt. 

Under 15 USC 1692 ( g ), a debt collector must send the consumer written notice which describes the amount of the debt, the creditor and notice that the debtor has a right to dispute the validity of the debt within 30 days. Here, the debt collector Wakefield and Associates did not send me any notice of the debt at all. Consequently, I did not know Wakefield and Associates was attempting to collect a debt. Thus, Wakefield and Associates violated 15 USC 1692 ( g ).

Moreover, I did not have the ability to dispute the validity of the debt. This is concerning because I genuinely do not believe I actually owe this debt. If I was given the opportunity to dispute the debt, I would have asked Wakefield and Associates to prove this debt is not barred by the statute of limitations, that I actually signed a contract binding me to this debt and that my insurance did not fully cover this medical expense. Wakefield and Associates likely did not provide me the opportunity to dispute the validity of the debt because they know they can not validate the debt.

Under 15 USC 1692 ( l ), a debt collector who violates the Fair Debt Collections Practices Act is liable for {$1000.00} and attorney 's fees and costs. Here, Wakefield and Associates violated the FDCPA when they failed to give notice and an opportunity to dispute the debt. I will be filing suit against Wakefield & Associates, a Colorado LLC, and serving process on XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please let me know if the name of your corporation or your registered agent is incorrect.

However, I am willing to settle this claim today. I agree to refrain from pursuing my meritorious claim against Wakefield and Associates in exchange for a complete discharge of this alleged debt, a release from all claims that could accompany such debt and removal of the unpaid debt report from all credit bureaus , credit reporting company or any other company which collects this information determine the credit score attributed to my social security number. This settlement offer expires within 30 days of receipt.

Thank you for your cooperation. I look forward to resolving this issue and arriving at a fair, just outcome.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

I hired XXXX XXXX XXXX to move my belongings from XXXX  to XXXX  in XXXX of XXXX. When my belongings were shipped the container leaked. I received them in XXXX of XXXX and notified XXXX XXXX XXXX when I noticed the damage. They had me fill out a form and take pictures. The claim process took 90 days and it was denied because I didnt take pictures of the containers they were shipped in, which were already off of my property by the time I noticed the damage after unpacking. I called my credit card at that point and asked to file a dispute on a portion of the charge due to not receiving my property in the same condition it was shipped in. The phone rep put me on hold while she talked to someone else then came back on the line and told me I could not file a dispute because I still received all of my belongings. I dont feel I should have to pay for a service where I paid {$7000.00} to have everything I own shipped across the country to have multiple things I own have water damage. If a customer wants to file a dispute on a charge they should be allowed. Period.
Consumer complaint received 2020-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On the afternoon of XX/XX/XXXX, around {$3500.00} dollars has been transferred away through XXXX from my Bank of America checking account. It was done through 4 transactions, 3 of which around {$1000.00} and 1 around {$500.00}. I filed a fraud claim with BofA and got denied. 

I noticed this by the request for authorization code sent to my phone, which is not requested by me. There were around 20 requests ( 20 text messages ), unfortunately I don't have them anymore. 

After I received the first few authorization code, I immediately called the number of BofA, and by the time I was able to talk to someone, the money was already transferred away. ( First XXXX dollars. ) I talked to the customer service to file a claim, as well as the investigation department ( presumably of BofA ) which they told me it was transferred to an account under XXXX XXXX. I told them the fact that my email has been hacked, and they told me it was compromised through my online banking account. ( I checked and found read emails which are not read by me, as well as request to add recipient in XXXX, which is also not requested by me. ) In this process, BofA asked me to unfreeze the frozen checking account ( which was not frozen by me ) in order for them to reset the online banking account for me. In this process, another {$500.00} was transferred away while I'm on the call after I unfreezed my checking account. Then I was told I would either a ) get result of the investigation to my email or b ) get a temporary credit within 10 days. 

Today XX/XX/XXXX, I called BofA back since I haven't received either of those, and they told me they have sent me an email to my email account on XX/XX/XXXX which I checked again that I haven't. Later I confirmed with them that the email address is correct and set another address for delivery. BUT I was only told to receive the report after days. 

I was also told that the authorization code used to transfer the money was sent to my usual phone number and usual ip address. Which at the time it was under my possession and in no means I authorized the transaction. And they would provide more details on the phone.
Consumer complaint received 2024-04-03
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX,2024 Dispute of Inaccurate Information on Credit Report - Violation of 15 USC 1681i ( 7 ) To Whom It May Concern I am writing to dispute the accuracy of certain information listed on my credit report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i ( 7 ), I am formally requesting an investigation and correction of the disputed items. Below is the inaccurate information I am disputing : Account Name : XXXX Account Number : Not Available Account Details : Not Available This information is inaccurate and does not belong to me. I have carefully reviewed my records and can confirm that I have never had any association with the aforementioned account. Its inclusion on my credit report is a violation of my rights under the FCRA. Furthermore, as per 15 USC 1681i ( 7 ), you are obligated to promptly investigate any disputed information and remove it from my credit report if it can not be verified. Therefore, I request that you conduct a thorough investigation into the validity of the disputed item and provide me with the results in writing. Please note that under the FCRA, you have 30 days from the receipt of this letter to complete your investigation and inform me of the results. If you are unable to verify the accuracy of the disputed item within this timeframe, you must remove it from my credit report as required by law. I expect your prompt attention to this matter and request that you update my credit report accordingly. Failure to comply with the FCRA requirements may result in legal action. Thank you for your immediate attention to this matter. If you require any further information or clarification, please do not hesitate to contact me at the phone number or email address provided above.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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. 

has violated my rights. Or list of inquiries 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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-06-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX