davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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. 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 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 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BARCLAYS BANK DELAWARE (NY)

XXXX recently notified me via email that my credit score has been changed. Review of my credit score through XXXX revealed tha my credit score fell from XXXX to XXXX due to report by Barclays Bank stating that there is a 30 days late payment that was not paid. 
This credit card has not been used for a few years. So it happened that I did not pay a membership fees that were due on XX/XX/XXXX. I immediately paid outstanding amount on line and contacted Barclays customer service. My complain was that the Barclays has failed to notify me of incoming balance payment either through email, phone message or US Mail at any time which caused delay of me submitting the payment at due date. Speaking with a customer service account representative proved the fact of failing to communicate with me. Had I get any notification ( like all of my banking creditors ), this problem could be avoided. Important to state that Barklays bank has no means for establishing alerts ( such as reminders for payment due date and amount of payment and etc. ) by its clients. This is unusual and will be so helpful.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (ID)

I bought a savings certificate from XXXX XXXX XXXX, XXXX. on XX/XX/1994 in XXXX, XXXX XXXX XXXX was sold to Wells Fargo ( WF ), and I had received a letter in the mail informing me that all of my accounts were now being handled by WF. 
I recently went to WF to redeem my certificate, and instead of honoring it I was told they would look into it. WF later informed that they would not honor it.
Consumer complaint received 2021-10-17
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. (TX)

Hey, so I rarely ever check my credit report but when I did today I was alarmed to see various accounts I have never authorized or recognized. Attached down below is my FTC Identity Theft Report along with my notarized affidavit and identification.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

I have become aware that Apple Card continues to excessively violate my consumer rights. I have had multiple encounters with Apple Card and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation. I did not give my consent or authorize them to furnish my nonpublic personal information. This behavior constitutes dead-right fraud and violates consumer protection laws. Apple Card has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS, ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a 20-year prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. Account Number : XXXX
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

XXXXXXXX XXXX XXXX XXXX, XXXX Purchased in XXXX, XXXX, XX/XX/2023 The item was XXXXXXXX XXXX and came through my credit card as US {$500.00} I called the credit card company almost daily, and Ive given them all the document and evidence and witness statement I have, and they are not reversing the charge?
Consumer complaint received 2023-06-01
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)

On XX/XX/XXXX, my Wells Fargo account received three transactions in the form of {$1000.00}, {$1000.00}, and {$4700.00} for a collective total of {$6700.00}. These transactions originated from casino winnings and eventual withdrawals occurring and placed on XX/XX/XXXX from the XXXX XXXX at XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX. After which ( XX/XX/XXXX ), I immediately utilized the tools required by the XXXX XXXXXXXX XXXX XXXX to have XXXX XXXX immediately restrict any further gambling under my identity for a minimum of 72 hours. 

From XX/XX/XXXX through XX/XX/XXXX, a total of 47 fraudulent transactions posted to my Wells Fargo account for a collective total of XXXX by XXXX XXXX through the XXXX app. This also occurred while I was supposed to be frozen from further gambling ; however, thats an issue that will need to be addressed by the XXXX  XXXX XXXX XXXX. I believe I was the one who opened the account sometime last year, but only used it once for the deposit bonus before forgetting about it. However, I have since discovered accounts-I-did-not-create were fraudulently opened up using myinformation on XXXX and XXXX. I suspect the perpetrator is my XXXX XXXX XXXX, whom stole and copied all of his important financial paperwork. As I was the beneficiary to my brothers policies, the aforementioned files wouldve contained my personal information. 

I first took notice on XXXX and immediately contacted Wells Fargo and began disputing charges. I believe my card was frozen at this time, but I am not certain. I was informed that Wells Fargo would have a representative reach out to me for additional details ; however this never occurred. I continued to monitor the status of my claims and waited for Wells Fargo to contact me as I did not want to rush their investigation. Each day, they would close a handful of the disputes, but I would never received any additional information. I assumed that I would not know the outcome of the investigation until all claims were processed. 

I was never contacted about the issue nor given any form of update. When the final claim closed on XX/XX/XXXX, I began trying to initiate contact to inquiry Wells Fargo over the matter. Most representatives were unwilling to discuss the matter, let alone assist me. I was hung up on multiple times ; transferred into limbo, and made to jump through every hoop imaginable before finally receiving assistance on the sixth call. The rep collected my information; submitted my appeal; and informed me that someone should reach out to me within 1-2 business days. 

Its now XXXX, and I have not received any further communication nor have seen any steps taken regarding the issue. Since it was XXXX XXXX weekend, I gave them additional time to investigate and follow up. As of this writing, Im currently on-hold with Wells Fargo , but due my past experiences I dont have much hope.
Consumer complaint received 2023-06-01
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. (TX)

You are in direct Violation of the Fair Credit Reporting Act and several of my rights has been violated 15 USC 1681 Section 602 A. Clearly states that I have a right to Privacy 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove late payments, collections, and charge offs ands update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act 15 USC 1681a ( 2 ) ( A ) - Exclusions the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681n Civil liability for willful non compliance Furthermore, any CHARGE OFF remarks are not only a violation of the FCRA but also the IRS Tax Publication that states a charge off written off by the creditor must be claimed as income on a 1099C and income is NOT to be reported on a consumer credit report/file.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I noticed unauthorized inquiries on my credit report that would like removed. 
Here are the companies below, XXXX XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MO)

Received an email about a new collection added to my credit report I find out Enhanced Recovery Collections for s trying to collect on a false and fraudulent debt. I had previously told the prior debt collector listed in my account the same thing that this is not my debt. They sold it to ERC. I have been in contact with the original debtor listed T-Mobile and they could not find any records on this debt. Plus the debt is well past the federal statute of time limitations. They expect {$390.00} out of me but, will get {$0.00} for a fraudulent debt.
Consumer complaint received 2023-06-01
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. (AZ)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.I 'm so stressed and disappointed that this is happening to my credit report that I couldn't even eat properly, even though it is evident that this is a mistake on your part in reporting this inaccurate information. That's why, if you want to redeem yourself, you must update and remove the late payment remarks on the items that I was never late on.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC (UT)

XXXX isn't reporting accurate information on this account. The last active and last reported dates are all inaccurate. The account is closed and has been since 2017. The credit bureau shows a payment history past the date of closure which does not exist. So the only company that could be misreporting this information is XXXX. Where else would the credit bureau get it from? They make mistakes but this is pretty big! I've filed a dispute with the credit bureau as well.
Consumer complaint received 2023-06-01
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: SANTANDER HOLDINGS USA, INC. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " SANTANDER CONSUMER USA, XXXX, XXXX, XXXX XXXX XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Washington , DC XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was applying for a bussines checking account with my previus bank and i was not able to do it because a company called XXXX XXXX XXXX XXXX did not approve me to open the account, i asked for the report and the report says i am in the range to open the account and i do not understand if i am in the range why i was not approved,
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

On XXXX XXXX I deposited a United States treasury check for a XXXX disaster loan in the amount of {$25000.00} to make repairs on my home after it was flooded in a since declared disaster area of XXXX XXXX in XXXX. On XXXX XXXX  I attempted to log into my citibank checking account and it would go thru. I called the bank and was told that the check is not a usual check they see and they can't verify so they will make my account inactive and ultimately close my account and my money that was already in that account will be mailed by check in 30-60 days. The whole purpose of this loan was to fix my house and now not only do I not have the loan, but they have my money that had nothing to do with transaction. I have mortgage and car insurance payments that need to be made like today. This is not how to handle a business. Take a legit check and making it an issue for no reason. I live paycheck to paycheck. I do not have supplement funds available to me to hold me over 2 months until they decide to mail me my money that was in that account before any of this.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

In 2015 I set up a joint checking account using my power of attorney for my stepfather, XXXX XXXX and myself. The account was set up by a banker named XXXX. Surprisingly no one has ever contacted her. The bank was also provided a doctors note stating that XXXX was not capable of handling his financial decisions. In fact he was scammed out of quite a bit of money. This can be verified with XXXX XXXX Sheriff. 
The branch manager reviewed the account with me for 6 years and according to him no action was needed since I was on the account. Surprisingly No one has talked to the branch manager. The total value of the account is only {$2000.00}. I deposited {$1500.00} after XXXX died. It was my money I deposited in XXXX XXXX account at XXXX for personal needs. XXXX was sold at that time which also happened during the pandemic. I tried contacting XXXX but they had changed ownership. I went to close out the account and produced a copy of the death certificate to the branch manager who had been reviewing the account annually. I was told I couldnt close out the account. I have been a long time customer of Wells Fargo.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HEARTLAND PAYMENT SYSTEMS INC (NC)

This account was not paid late ever because it was part of a rehabilitation plan with monthly payments required. The balance was paid in full on time in XX/XX/2022. Payments from XXXX, XXXX, and XXXX were successfully processed ; however, the company continues to report inaccurate information in partnership with the University. 

The late payments reported on this account are inconsistent across the three bureaus. This company has failed to provide me with documented evidence as requested. XXXX shows a late payment in XXXX, XXXX reports a late payment in XXXX ( and on time payments in XXXX, XXXX and XXXX ), and XXXX does not show a late payment at all.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

i deposited 12 checks in my account on XX/XX/ in total it was XXXX XXXX however 2 out of the 12 checks happened to be from a previous bank account of my employer and i deposited the checks not knowing they will bounce. 
in doing so all money in the account was put on hold and for some very odd reason when i called my bank they explained to me my employer who is a registered incorporation can not be verified and my money can not be released despite the business being easily found on public records my employer can not issue me new checks due to the fact that they have been deposited in my account and the bank refuses to give me any other option on how to resolve this. i understand i should have been more aware about the dates on the checks but this doesnt mean i should lose every dollar ive earned and legally i dont know how to go about this can someone please help me im begging for some solution i everyone i spoke to is giving me no help
Consumer complaint received 2024-03-29
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. (NJ)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was informed that my XXXX XXXX, A Line of Credit was being restricted from draws due to my credit. I never authorized a random pulls of my credit for this account. Secondly I was not notified in writing at least 30 days prior that my credit would be pulled to maintain the account. It was in none of the account documents. I had a been a good client up to that point making my payments and principal only payments on the card. On XX/XX/XXXX. I messaged them about this after having to search the internet for an email address as they provide only a phone number. I wanted a paper trail of record so I chose to email. O was responded to on the XXXX stating that they could not reinstate my account as they did not have authorization yo pull my credit. Nothing in regards to them pulling my credit was addressed. At this point I alerted them I would be filing a complaint with you for improper use of my credit report for a credit decision.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (CA)

I decided to check my credit report, and I noticed some unauthorized an unrecognized inquiries. 

( XXXX, they are as followed : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, THEY ARE AS FOLLOWED : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax they are as followed : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX matter of fact, any inquiry made in XXXX, or XXXX of XXXX is unauthorized an unrecognized
Consumer complaint received 2023-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

Hi there debt collector was for XXXX XXXX XXXX was closed bill said {$610.00}. Now XXXX XXXX is coming after me for XXXX it is the same XXXX bill that was closed and deleted XX/XX/XXXX, XXXXplease help me