davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo deposited my check into wrong account according to land lord. Wells fargo is not responding to my bank XXXX XXXX  to resolve issue. Check was payable to XXXX XXXX account number XXXX at wells fargo on XX/XX/XXXX two checks were deposited XXXX and XXXX only XXXX went to his account. XXXX was with drawn from my account and not credited. wells fargo need to return my money. {$1500.00}. 
Please respond to my bank. I have filed a fraud complaint. You have stolen my money! I am going to pursue small claims court. This is not going away. I will file a complaint with the XXXX  next. I want my money back! I had to pay an additional month of rent dt this. Or prove it went to the correct account! I am out XXXX dollars that I worked for ... Wells fargo ... you are stealing. I will call radio stations .... I am not going to drop this, the sac bee and I'm a XXXX  ... I am going to contact the XXXX  XXXX  ... I am not going away. It should not take so many complaints to get my money. Thieves. Respond to my bank if you have nothing to hide. My bank has the proof of canceled checks. You messed up and need to take responsibility. 

Last response from from XXXX. 


XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : XXXX  XXXX  XXXX  case # XXXX Dear XXXX XXXX : We are responding to your recent correspondence filed with the XXXX XXXX XXXX  ( XXXX  ) regarding your recent experience. We appreciate the opportunity to provide additional information and clarification. 
Wed like to extend our apologies for any inconveniences this matter may have caused. Our goal is to provide products and services that are easy to use and to always create a positive banking experience for our customers. We regret any instance we may have fallen short of these goals while working with you. 
Please understand, you will need to reach out to Wells Fargo to file a claim for the checks, as they were made out to and deposited into the wrong account at that bank. XXXX XXXX  has attempted to reach out to Wells Fargo on your behalf regarding this issue but was unsuccessful, as Wells Fargo needs to work directly with you, the account holder at the institution where the error occurred. We apologize for any confusion surrounding which institution should file the claim. 
Regarding the customer service you received at the branch, we are more than happy to research and provide additional clarification ; however, we would need to know more specific details, such as the date and name of an employee. Please submit your request with specific question ( s  ) in writing to : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX We again regret any frustration or inconvenience this may have caused and hope the information contained in this response is helpful. If you have further questions, please contact XXXX XXXX  XXXX Customer Service at XXXX ( XXXX ) where representatives are available to assist you seven days a week. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer Service
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello my name is XXXX XXXX and i recently got scammed bad By someone pretending to have good intentions about a month ago. This lady messaged me and told me that i could make a little money by helping her XXXX some money to different " orphanages '' and her paying through checks so I accepted and she sent these checks over, which ended up going through and showing up on the account. I had been away from my phone for a long while after they went through and i wasn't expecting them to actually go through but when they did i thought the lady was legit. But since i was away she got mad and threatened to take legal action and call the police for " stealing ' " her '' money and not sending some to the " orphanages '' so when the money came in i was already in too deep i thought that she was going to call the cops and get me sued or something because she was threatening me very seriously and the money went through, so I did what she asked and XXXX  out money XXXX $ at a time to different because she made me and i was being threatened, but i never sent out more than she sent me through checks. This went on for a couple of days with her getting more demanding and demanding but there wasnt much i could do because she was threatening to freeze my account and all these things if i didnt listen. In total, i ended up sending out XXXX $ and i had " kept '' XXXX for myself. But one day she stopped talking to me and all of those checks that she sent bounced and they turned out to be fraudulent checks which i didnt know to begin with, and my account went negative. I tried taking it to the fraud department at Bank Of America, but they denied the claim and wont give me my money back. I was wrongfully scammed and taken advantage of and threatened after the fake money was sent my way and she used threats as leverage to get me to send money out and then bounce the checks out so i lose all my money and ive lost it all i need my money back i cant be left with nothing. This started on XX/XX/XXXX and the final check bounced on XX/XX/XXXX.
Consumer complaint received 2024-03-24
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. (FL)

I did not consent to these negative reportings ( XXXX missed payments ), on my credit report. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}. DATE OF OCCURENCES ; Reporings from ; XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX updated which damage was already done on XX/XX/XXXX.
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 u.s.c 1681 Dept of EDXXXX # XXXX XXXX 
XXXX XXXX # XXXX .... 
U.S. Dept. Education # XXXX .... Said accts have 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 an account without written instructions.

15 u.s.c 1681 c. ( 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 7 years.

15 u.s.c 1681 S-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 2023-05-26
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. (CA)

In accordance with the Fair Credit Reporting act.The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 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. section2 : 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 wich 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 2023-05-26
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: EQUIFAX, INC. (MI)

I have five collection accounts on my credit report by three companies called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. The two collections from XXXX XXXX XXXX are for {$770.00} and {$540.00}. The two collection accounts from XXXX XXXX XXXX are for {$580.00} and {$490.00}. The XXXX collection from XXXX XXXX XXXX is for {$350.00}. All of these accounts are fraudulent reports for alleged debts that have never been validated and the company never sent me a notice of debt or a chance to even validate the debt. XXXX XXXX XXXX and XXXX XXXX XXXX responded to my complaint on CFPB showing that I was correct, and they notified all three credit bureaus to tell them to remove the collections from my credit report due to the violation. XXXX has started to remove the accounts from my credit report but failed to remove two of the erroneous and fraudulent collections. XXXX and Equifax have failed to remove the collections or properly investigate the situation in regard to my FCRA rights. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their reports and scores are so different than each other.
Consumer complaint received 2022-09-06
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. (FL)

A Utility company in Texas is reporting a nonpayment for service, I live In XXXX, Florida, not in Texas, After I talk to that company XXXX XXXX, the rep ask me to contact the credit bureau to dispute the fraud., after started the process, XXXX outcome is that the account is verified and accurate, now I have on my record an account of charge off already of 2 months that don't belong to me.
Consumer complaint received 2023-02-08
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. (VA)

In accordance with the fair credit reporting act XXXX  Account XXXX  XXXX XXXX, XXXX XXXX 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 account without my written instructions
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Cooling & Winter LLC (GA)

I received a garnishment letter XX/XX/XXXX. I contacted Cooling and winter because it stated it was for a XXXX XXXX card. I had agreed on an amount back in 2022 and made 4 payments to close the debt. Now they telling me I had 2 XXXX  XXXX debts with their office. And no one told me that last year when I agreed to pay a reduced amount that I had 2 accounts. The account they had me pay did not have any judgements or ever been to court. They misrepresented what I was paying, when I finished paying I thought I was done. I feel scammed because they had me pay the wrong debt, knowing that the other debt had a judgement. 
I tried to reason with them today but no, pay the XXXX dollars or the garnishment will proceed.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Delinquent account — 
Company: FIRST NATIONAL BANK OF OMAHA (NY)

Hi, My credit card bank ( XXXX ) just close my account recently and report 2 late payment to a credit monitoring company ( XXXX ) witch result to dropping my score from excellent to good..well I always have issues getting my statements by mail and a reported that to them in many occasions, last 3 months they just stopped sending statements and all I got from them is a letter that state my account was closed and about {$75.00} of late fees..i called them to discuss the issue and their response was total ignorance ...
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One credit services ( the bank ) unilaterally changed my monthly due date without proper notice. Further, the bank charged late fees and interest to my account and refused to waive after recurring issues with its payment processing function ( s ). In previous inquiries, I asked the bank to look into and address its mobile app payment function, specifically its occasional failure. The banks response and refusal to properly remedy these concerns are catalyst to this complaint. I have attempted to resolve these matters many times with the bank and as recent as today - the banks conduct is egregious and concusses should be forewarned of its lack of service, professionalism and poor business acumen.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (PA)

I never opened a credit card with XXXX XXXX issued by XXXX XXXX XXXX XXXX XXXX. In fact, I never heard of them until they showed on my credit report around XX/XX/2022. I contacted them several times to inform them that the account is not mine and to remove it from my Credit Report. I also contacted the XXXX  about this issue and the business attempted to solve the issue, the account recently showed back up and I started getting mail from a collection agency XXXX XXXX XXXX about this account. THE ACCOUNT IS NOT MINE AND IT MUST BE REMOVED FROM MY CREDIT REPORT AND ALL COLLECTION MUST STOP ON THIS ACCOUNT. I already disputed the account with the collection agency and filled out an Affidavit. 

XXXX Account Number : XXXX XXXX XXXX Collection Account Number : XXXX. 

This account is not mine and is a result of confirmed identity theft.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (LA)

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 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 2019-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AmeriCollect (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that AMERICOLLECT INC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2017-01-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MNE Services, Inc (IL)

I took out a payday from USA on line and paid them back through my checking account. I started receiving threatening phone call and eventually from a XXXX XXXX who stated he was an attorney and my case was going to be filed in court on XX/XX/XXXX unless I pay XXXX XX/XX/2011. He had me to purchase a XXXX card and fax a copy of my ID and a note stating the last XXXX of my SS # and that I was making a payment in the amount of {$550.00}. Every year since then I keep getting these phone call. Now XXXX XXXX is calling my home, relatives and work threatening to take me to court for this payday loan that is already paid back years ago.The lady stated her name was XXXX XXXX at XXXX and XXXX. I do not owe these people.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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   15 USC 1681 Section 602 A- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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 XX/XX/2022