davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NY)

I have tried to fix an issue with Wells Fargo about a stolen check. They have denied my claim and do not refund me my money when it was cashed by an on authorized person Wells Fargo did not protect my account, allowing this check to be forged and to be cash by a on authorized, Wells Fargo user itself. There is a specific line that says to notify within XXXX months after they have made the account statement available if I identify any on authorized or altered endorsement. My check was for my rent for the month of XX/XX/2022. I was not aware it was altered until my landlord requested a second payment because the first one was not received. I check my account and saw that the check was cashed, and I did not question the cash of the check because I knew that money would come out. I am asking for this to be fully investigated, and who cashed my check, and to get a refund on my money there is no way that I should be denied my own money back when it was on authorized to leave my account from the person who cashed it, I will attach the note that was sent to me and I will attach a picture of the forge check please investigate further into this matter. I can not trust a bank who does not protect my money and Im sure a lot of people who bank with Wells Fargo could agree that they should not happen. There is a six month. From when I realized any altered endorsement on my statement, and I notify them before the six months.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-10-27
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 already sent XXXX requests but the accounts listed below are still reporting on my credit report and are violating XXXX XXXX. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX XXXX {$230.00}
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reached out to the credit bureaus to inform them that the debt is no longer owed because of bankruptcy, and I will like for them to delete from my credit profile. Nothing was deleted.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

In 2016, I had a {$24.00} charge on a XXXX credit card but for 3 months the billing dept. was sending the statement to the wrong address. When I finally received & promptly paid it & closed the account, it had already been reported to the credit bureaus as " 3 months late ''. 
As soon as I saw that on the reports I contacted all 3 bureaus & XXXX to correct the error. XXXX & XXXX  made the correction but not Experian as it still shows on that report as of today although I had disputed it several times since it happened. Last week I submitted another dispute and was told it would take about 30 days to process. 
An Experian agent explained that reports from the 3 bureaus may have different info because they have different policies even though they're dealing with the same data. Whatever their policies may be, all 3 should be consistent with their conclusions because the info on people 's credit may have negative & serious impacts on their lives. Since your agency has jurisdiction over all 3 bureaus, this issue needs to be resolved through your efforts.

Please let me know how it is being dealt with. Thank you.
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (MO)

I called Barclays XXXX today regarding my multiple disputes on a inaccurate account that was due to fraud reporting on my credit being updated as accurate by Barclays. I have requested validation a copy of a signature or address these bills are being sent to I was told by the rep they couldn't help me they refused me any information even a account number, but they are reporting this on my credit as accurate? I asked them to delete this or provide me with the info requested. I was sent to 2 supervisors XXXX who couldn't help me, then XXXX who also refused to verify any information with me. but gave me a number to a collection agency. I am requesting this account removed from my credit immediately.
Consumer complaint received 2017-10-20
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: MIDFIRST BANK (CO)

Midland Mortgage co.
is reporting that my home loan acct was included in a bankruptcy. This is wrong, It was reaffirmed. I paid it in full and never missed a payment. I contacted them about this error and was told this account has been settled and they have no interest in reopening it.
Side note : they have over the years been very difficult to get info, they refused to return my mortgage ins payments long after I was not required to make them and even wrote a reply letter of refusal stating I was not eligible to stop mortgage ins ever. I believe they owe me several years of mortgage ins payments. 

most times I contact them they ca n't find my acct. until I am persistent
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please be advised this is my SECOND WRITTEN REQUEST. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-30
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: EQUIFAX, INC. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$91.00} XXXX  XXXX {$3900.00}
Consumer complaint received 2023-01-10
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. (GA)

A letter was sent to XXXX on XX/XX/2022. To date, I have not received a response from them regarding my request for a thorough investigation of several accounts being reported on my credit report. It is my understanding that XXXX is in direct violation of my rights to receive a thorough investigation within 30 days of requesting.
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Local Management, LLC (SC)

I told the XXXX of Local finance XXXX to not contact my work place on XXXX XXXX if he or any of his employees needed to contact me. His employees still call my job regularly while I am in XXXX and can not answer. I am not allowed to receive calls at work and he has been informed that but they continue to abuse this by harassing my secretaries and staff while Im not available.
Consumer complaint received 2021-11-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (PA)

Ally Bank is Violation of the Fair Debt Collections Practices act Law as well as fraud. I wrote to this company several months ago, requesting Verification. They did not respond back to me in the allowed time frame the law allows ( 30 days ), and still continued collection activity. They have committed Fraud and Broke the Law, as well Violated My Consumer Rights.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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. Account has never been late.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

While I was trying to make a booking on XXXX ( XXXX XXXX Website ), I saw an advertisement for American Express Delta Gold card with XXXX, XXXX miles on spending XXXX $ within three months and {$150.00} statement credit offer for making a purchase on XXXX XXXX within 3 months. 

I went through the application process, entered all my details and got approved. Later when I checked with the American Express customer service they told me that I am not eligible for XXXX, XXXX miles promotion since I had this card in XX/XX/2015. As per them, this was buried in the fine prints somewhere during the application process. 

I called this a switch-and-bait tactic since after I entered my personal details, American Express already decided that I am not eligible for the promotion why not warn me before I finish the account opening. I strongly believe that CFPB should punish American Express for such switch-and-bait tactics and force them to show the actual promotion terms before the account setup is finished.
Consumer complaint received 2022-10-27
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)

15 USC 1681 section 602 states I have right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1692 C says that if a report has been made, accounts must be removed. According to review, I have filed a report with the Federal Trade Commission showing that these accounts were opened fraudulently. I have attached a copy of the report to this e-mail. The accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-27
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'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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-01
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: EQUIFAX, INC. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-19
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: RFNA, LP (MS)

I got this account that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 

1 Identity Theft REPUBLIC FINANCE Account Number : XXXX This is not mine.
Consumer complaint received 2021-06-19
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 (PA)

Contacted wells fargo bank about a charge on my account. XXXX XXXX lost my package worth {$110.00}, i tried to contact XXXX XXXX and they tried giving me someone elses tracking info from a different state and told me it was delivered. Disputed the charge at Wells Fargo, they denied my claim. I sent screen shots of me trying to contact XXXX XXXX and the carrier service and they took back the credit and i lost {$110.00}.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have advised TransUnion on several occasions that the accounts with XXXX XXXX ( Origianl Creditor : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX and XXXX XXXX XX/XX/XXXX, do not belong to me and may be a result of Identity Theft. TransUnion has yet to prove where they got this inaccurate information and will not correct the inaccurate information. Please help me get this issue resolved.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

I have hired 2 companies, made disputes on the website, and lodged complaints with the CFPB regarding experian and their inaccuracies on my credit report. They have received all necessary documents from both credit agencies and myself yet, still refuse to correct the inaccuracies.
Consumer complaint received 2023-01-10
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: EQUIFAX, INC. (CA)

I sent a letter from XXXX XXXX XXXX Department to remove an inquiry dated XXXX XXXX 2021. XXXX contacted Equifax to remove the inquiry and they still will not remove the inquiry. The company that mistakenly made the inquiry asked them to remove it and they willfully will not remove it. Also, Equifax did not contact me after 30 days and never sent me the investigation results
Consumer complaint received 2017-04-08
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Each month I schedule my Bank of America Credit card payment to be " delivered by '' the due date. For the past 2 months now, they have been charging me a late fee since their system is still processing the payment. If I do not call they will not refund me the fee which ends up costing me time from being able to work or spend time with my family. I am asking that this you instructed Bank of America to stop this practice as they may be collecting fees from people who do not realize for example many seniors.
Consumer complaint received 2023-01-10
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and make sure to correct or discard them from my file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

My mortgage company is well Fargo worse bank u can deal with unprofessional very disorganized since XXXX i have been trying to modify hired so many lawyers took my money nothing happened when my house got hit by Sandy my house was totally damaged shifted insurance company paid {$180000.00} well Fargo held {$110000.00} only paid me {$70000.00} to fix not to mention i live on the water flood and wind zone frozen pipes every year there is something with the house i submitted insurance claim endorse the check to well Fargo never send inspection or give me the money i have receipt been fixing this house since I bought it well Fargo holding my money wont modify wont allow short sale they dont negotiate very well with the buyer not to mention will make the agent sick has to send them contract Prove of funds over XXXX00 times u call u get transfer from one department to the other everyone tells you something ask you to fax the contract again Redicilous then they will set a auction date while you are in process trying to sell the house in order to stop the auction i have to file XXXX XXXX which is coasty not to mention how many lawyers took our money did nothing werent able to modify or negotiate a short sale living under pressure and siege past 12 years whats wrong with well Fargo ? They need to assign every case to worker with name extension let that one person deal with the file very very disorganized bank unfair crooks. Right now Im in. Contact with a buyer since XXXX buyer and broker and attorneys submitted all papers more then 50 times we dint even receive denial papers if offer to low nothing just waiting anytime u call different story different people different papers .so they decided to put the house for auction on XXXX XXXX XXXX i dont know what fo do more? They refused all offered modification payment plane short sale. What can be done how can I stop well Fargo from this game stop the auction at least look at the buyer offer let me short sale my house walk away clean already Im drained 12 years living under siege messed up my credit fixing left and right scared to be evicted this is a joke
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.