davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (GA)

I was denied my student loan because of a debt from the XXXX XXXX XXXX XXXX account that I did not open nor had any idea about. The account has already been sent to collections, and it is showing up as " unpaid '' on my XXXX credit report for {$2000.00}. The collections agency it's been sent to is " Best Service Company '' based in California. I can not receive my student loan until this is resolved, therefore preventing me from graduating. 

The only dates I have available are ( from the XXXX report ) : DATE ASSIGNED : XX/XX/XXXX ( I think that means the day it was opened but I am not sure ) TODAY XX/XX/XXXX : I filed a police report with XXXX Police Department online The {$2000.00} is still unpaid. The XXXX XXXX XXXX XXXX said that the case is out of their hands because the debt has already been sent to collections There was another account opened ( XXXX XXXXXXXX ), but I was able to get ahold of them and have them resolve the issue on Friday XX/XX/XXXX.
Consumer complaint received 2023-02-13
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. (DC)

This Credit Reporting Agency Is Reporting Inaccurate And Fraudulent Information On My Consumer Report. I Called To Have These Fraudulent Hard Inquiries Taking Off My Consumers Report And Was Told They Could Not Remove Them.
Consumer complaint received 2023-02-14
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. (AR)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

My name is XXXX XXXX XXXX. I had lost {$4600.00} in XXXX transactions, due to a fake investment. I was told to send money to various individual accounts on XXXX. I reported this situation to Fifth Third Bank and they opened a dispute case in late XXXX, but it was denied, because XXXX was unwilling to reverse the transactions. I then reopened the case in early XXXX, but it was denied once again for the same reason, including that we don't know exactly who scammed me, so they wouldn't be able to proceed. I submitted a report to the FBI, but I haven't gotten anything back from them.I added both of the reports to my dispute case, but it still didn't help. I reported the " investment website '' that was used in the scam to the XXXX and federal trade commission, but the website is still up and running. I tried tracking down this person myself, but I have run out of options at this point. The only basic information I know about this scammer is the " investment website '' that was used, his or her XXXX number, and the XXXX information of the accounts I sent money to. His or her phone number begins with XXXX and that is XXXX of the area codes of Texas. I hope that you can take this information into consideration. 


Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (NJ)

Equifax keep lowering my credit score for not reason and using collections company that have been disputed. On XX/XX/XXXX my score was XXXX and I disputed a collection that they have posted for long time illegally and the next day I noticed that they lower my credit report even more by XXXX point going down from XXXX to XXXX. So I called them and they said practically couldn't do anything.
Consumer complaint received 2024-03-07
Product: Credit reporting 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 U.S. C CODE1681 ( b ) and 1681c-2 I never gave a written consent to report accounts that are identity theft. 

I have asked for Method of Verification or signed documents with my signature on it from all credit XXXX, XXXX and Experian after the dispute results stated that the account verified it belong to me. They have failed to show verification. 

I have attached my FTC report stating these accounts were open by fraud and made a police report as well.
Consumer complaint received 2023-05-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (SD)

This is a complaint about a past issue with Wells Fargo Bank in XXXX XXXX, XXXX XXXX back in XXXX. I recently seen a complaint on the internet about them and wanted to be included. What they are got fined for happened to me. I never heard anything from anyone. This is regarding XXXX. I was an employee at XXXX XXXX in XXXX XXXX and lost my job, then after a few months was unable to make mortgage payments and fell behind. I contacted Wells Fargo and applied for the home modification program ( HAMP ) to try to restructure my loan to stay in my home. I had already started to receive foreclosure documents. After I applied for HAMP, sending all necessary financial paperwork required, the Wells Fargo underwriter that reviewed my HAMP information called me and stated that I did not qualify for HAMP because he said, " you don't qualify because I think you really don't want to stay in your home. '' I received letters from Wells Fargo that I can stay in home if I pay the balance on mortgage of around {$96000.00}. I was unable to pay this so I lost my home to a foreclosure. It felt like Wells Fargo wanted my home. Then because of the foreclosure my credit tanked for about 7-8 years. I didn't know of CFPB at the time, so just moved on. Is there any recourse?
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/2024 {$400.00}. 

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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-02-13
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. (NC)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-08-04
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: SYNCHRONY FINANCIAL (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-03-07
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. (TX)

Each year I try and review my credit report. In this case I was checking it so I can purchase a house. I saw damages on my credit report and according to the 15 U.S.C 1681 law, there should not be any damages on my report. It is a defamation to my character.
Consumer complaint received 2023-02-13
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: GOLDMAN SACHS BANK USA (GA)

After reviewing my XXXX, XXXX, and XXXX credit reports ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) I have found inaccuracies. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amount {$19000.00} Apple Card/ GS Bank USA Acct XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Amount {$1600.00} XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX Amount {$2500.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amount {$3000.00}
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX reported a bankruptcy upon consumer 's credit report without consent of consumer and should be removed immediately without delay. 
The United States Bankruptcy Court does not report any information to the credit bureaus and responsible for verifying or validating information from consumer 's credit files.
Consumer complaint received 2023-02-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TrueAccord Corp. (FL)

TrueAccord emailed me violating 15 USC 1692c, and disclosed my own personal very private nonpublic information. TrueAccord in connection with XXXX XXXX  is attempting to extort my extension of credit. TrueAccord refused to disclosed the amount or value they exchanged with XXXX XXXX  in connection with this extortion and I am filing an aggravated Identity Theft report with the FTC and my local authorities.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

We sold our home and paid the full amount of the mortgage to XXXX XXXX XXXX {$120000.00} on XX/XX/XXXX  via wire transfer from the closing attorney. It has been over 30 days and the account is still being reported actively open and late. I called XXXX on XX/XX/XXXX  and advised them that they legally have to report my credit accurately every 30 days, but was advised by their loan servicing department that they will report my account paid in full at 60 days after the loan was paid off in full from XX/XX/.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX, a person who had stolen my husbands identity walked into a branch of the BMO Harris Bank somewhere in the XXXX XXXX area. He tried to cash a very dicey looking check ( my husband and I have seen a copy of this check ), and was told that he couldnt have the checked cashed, but that he could deposit it into the joint account checking account belonging to my husband and me and then make a withdrawal. He then made two withdrawals totaling {$8000.00}. In other words, the bank assisted with the theft. When my husband and I learned of this illegal activity on the account, we reported it to Harris Bank. They filed a fraud charge with their department and set up a new account for us with a fraud alert on the new account. Then on XX/XX/XXXX, a person walked into a branch of BMO Harris in Indiana and cashed two fraudulent checks totalling {$7900.00}, using my identity ( despite the fact that there was fraud alert on the account ). We were actually out of the country in XXXX when this occurred. However, we found out about it when we returned, reported the theft to Harris bank, and were told that our checking account would be frozen. They assured us that no money could be taken out of the account. This was on XX/XX/XXXX. However, on XX/XX/XXXX, someone walked into a branch of Harris ( Harris did not tell us of the location of this branch ), and cashed a fraudulent check for {$2900.00} using my husbands, XXXX XXXX, identity. Mind you, this is after we had been assured that our checking account would be frozen. ( No money could be withdrawn by anyone. ) Since then, on XX/XX/XXXX, we withdrew most of our money ( all but {$200.00} ) from Harris Bank. Now, we realize that BMO Harris is not responsible for all identity theft. ( Although we do wonder if they have had a data breach that they are not telling us about. How else was our bank account information stolen? We have had no problems with other accounts or credit cards. ) But the bottom line is that they have been appalling lax about securing our accounts. A fraud alert and even a frozen account were all ignored by the personnel at the bank, as the criminals walked out the door with our money. Isnt the very essence of banking to keep the consumers money safe? Harris tells us that within six months they will complete their fraud investigation. In the meantime, though, we have lost this money, even if it proves temporary, and we are appalled at Harris Bank 's sloppiness and feel the need to report it.
Consumer complaint received 2024-03-07
Product: Credit reporting 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. (GA)

This is extremely urgent. 

I have been working on these items since XXXX : XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX  ( the same as the above XXXX XXXX XXXX XXXX This issue is causing a serious problem with me closing on my mortgage loan. I requested all 3 credit bureaus to remove the dispute comments and they are still showing and costing me each time my mortgage lender pulls my credit. 

The bureaus keep saying that they have removed moved and when the lender pulls the reports from XXXX XXXX 3rd party credit company. These dispute comments have to be removed for the lenders to close my loan. I was supposed to close on XX/XX/year> and this problem is placing me in jepordy of losing my large down payments and earnest money. I CAN NOT move forward with my loan without this being resolved ASAP.
Consumer complaint received 2023-06-03
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: LEXISNEXIS (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX, and Experian are obligated by the FCRA to report accurate accounting. Consumer has advised all the inquiries reported was fraud. Said company had four days according to LAW to remove such items. FTC report XXXX was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide documentation used to determining inquiry was indeed authorized by the consumer. XXXX, XXXX, and Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-Oscar report. If XXXX, XXXX, or Experian does not have documentation to show these were in fact authorized it must be REMOVED ASAP. Said companies are liable under the SEC to follow certain rules. I will be filing form XXXX treasury XXXX form to audit consumers account. XXXX, Experian, and XXXX are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Said companies have violated Privacy Act of 1974, 15 USC 6802, and 15 USC 6805.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY (MN)

This is a follow-up to Complaint XXXX. 

On XX/XX/2023 Wells Fargo climed that a check would be sent to me within XXXX days. It is now XX/XX/2023. WELL BEYOND the reasonable amount of time for them to send the check. The check has NOT been received. 

It seems that Wells Fargo is just making false promises in hope that a customer they have stole funds from will just go away. That will not happen. 

I will keep opening complaints with the CFPB, the XXXX the FTC, and the attorney generals office until this is resolved. I am not going to allow some large corporation try take advantage of a because they think they can. You're large corporation money doesn't scare me and I will continue to do this until it is resolved and the company returns the funds they have stole from me. 

I am not contacting another company via a phone number. That is not my responsibility. However, I will take the information that Wells Fargo provided and file all those appropriate claims and complaints with XXXX XXXX XXXX so we can ensure this is properly documented and everyone can be aware of these unethical business practices by these large corporations. 

I'll also start email people that work at the companies as I know XXXX give a ton of email address out there for me to contact. It doesn't seem the customer service want to resolve this issue so I just email individuals from the companies in hopes I can be put in touch with someone that does want to resolve the issue. 

Thanks for understanding. 

Regards