davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

After XXXX years of being jobless due to health problems, I saw an advert for a XXXX Data Entry Position ( work from home ) and I applied. I was scheduled for an interview and offered the job, which I was so thankful for! I was then introduced to the XXXX  personnel named XXXX XXXX that she will be my trainer for a week and help setup my home office! First, she sent me a document introducing the XXXX XXXX XXXX XXXX XXXX XXXX and the list of working materials I will need to do my work! She then explained that the XXXX XXXX has a certified Vendor and an agent who will help setup my XXXX, XXXX and other machines and software at my house after he had installed the software & inscribed the XXXX ' XXXX logo on them. On the XXXX day she asked if I had a bank account in order to drop in a check for the materials for the sake of time and I said yes! She later sent the XXXX & XXXX checks in the amount of {$XXXX} each, which I deposited at Wells Fargo! I thought the checks were genuine or even if not, the Bank will find out! Surprisingly, Wells Fargo cleared the checks and I deposited the cash where she asked me to, for the agent to pick up and make the purchases! At the end of the day, even though I had found out the Company to be genuine and the XXXX XXXX as the XXXX, the checks were fraud! Wells Fargo claims they trust me and that is their reason for cashing the fake checks in XXXX hours instead of making sure these checks pass through their system to determine they were genuine- so as to protect their trusted Customer as they claimed! They claimed am in the wrong and they have ceased my only funds I have to take care of myself to cover their loss! Their decision I believe is out of shame for not being responsible enough as a bank, because if the Bank CAN NOT identify a false check - how much more me- with NO experience or gadget! They referred me to their deposit account agreement- but on page XXXX, Wells Fargo admit having an XXXX  Fraud filter and XXXX XXXX XXXX in place to protect her customers! How come they failed to use them to protect me remained unanswered! 
In conclusion, I am appealing to your good offices to please intervene in my behalf and advice Wells Fargo to restore my account with my {$XXXX} immediately because I am NOT a thief, had NEVER stolen anyone 's money or property in my soon to be XXXX  years of life! Besides I have all documents including a police report to proof my innocence! 
Thank You Immensely and look forward to your intervention!
Consumer complaint received 2023-07-20
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I reported a fraudulent charge of {$520.00} that occurred on XX/XX/2023 on my XXXX XXXX Credit Card. I submitted a dispute for this charge via the XXXX website as soon as I noticed it in XXXX. I also reported it by calling customer service and they told me my dispute is under investigation for the next XXXX business days. I proceeded to call multiple times in XXXX and XXXX to check the status of the dispute, and they continued to tell me the dispute is under investigation and that the charge itself is on-hold and my account would be " on pause ''. Despite this, XXXX continued to charge my account late fees and interest charges. I called back several times in XXXX and XXXX to ask why I am being charged these fees. Furthermore, XXXX fraudulently reported my credit account as delinquent, even though I had an active dispute investigation ongoing. This negatively affected my credit score and my credit line for this account. In XXXX, I called again once I learned of this, and XXXX admitted their mistake and told me I should have been given a credit for the fraudulent charge much earlier. XXXX fraudulently and incorrectly reported my account as delinquent to credit agencies, even though I have a valid dispute of a fraudulent charge ongoing.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I did not give permission for these investigations and firmly suspect they're deceptive. I implore you to thoroughly look into them and swiftly delete them from my credit record. I've submitted corroborating documents for your examination.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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, 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 2024-02-27
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (VA)

I purchased a brand new XXXX phone XXXX of last year. I used XXXX financing through TDRCS ( TD Retail Card Services ) to purchase the phone. I did not like the phone so I returned it through XXXX during the manufacturers allotted window. XXXX was late in crediting the account and as a result I was incorrectly assessed late fees. I was sent a letter from collections at TDRCS stating I owed money. I was told by XXXX that everything was taken care once I submitted my phone back and they credited the account. After talking to TDRCS collections about the situation they told me I had to file a dispute with TDRCS customer service, a different office. I filed a dispute in early XXXX. TDRCS has reversed the charges because they have sided with me but my credit score was dropped more than 70 points for the unpaid late fees. I called customer service and they told me to file a dispute with the credit agencies and they couldn't fix it despite them reversing the charges. I was incorrectly assessed late fees and then my credit report was hit with unpaid charges after XXXX credited the full amount back to TDRCS.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Porania, LLC (CA)

The bankruptcy filed was by an attorney who dismissed it the next day telling me that it will not be on my credit and it is still showing. The bankruptcy papers was prepared in 2016 and dismissed. I have talked to her and she mentioned that I need to dispute it and it should have not been on my credit. Please review.
Consumer complaint received 2021-03-22
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. (NJ)

Hello good morning, I have been trying to get these few fraudulent accounts off my credit report and I reach out to the experian, XXXX and XXXX regarding this and they explained that i need an ftc report. This is affecting my credit profile really bad. Again, I am a victim of identity theft. These accounts listed are not related to any transaction done by me. I also called the companies regarding this identity theft and they told me to reach out to the bureaus. I have attached the FTC report and my driver license to help verify my identity. Thank you
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2023, I received reivestigation of inaccurate information being reported on my credit report. 
If, after any investigation under paragraph ( 1 ) of any information disputed by consumer, the item of information if found to be inaccurate or be incomplete, or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I am currently in the process of reviewing my consumer reports and noticed inaccurate and unrecognizable addresses listed on my consumer report. 

It is as follows : XXXX XXXX XXXX XXXX, WI XXXX ( XX/XX/2015 ) 15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.
Consumer complaint received 2020-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NV)

My mortgage statement dated XX/XX/XXXX showed i owed an outstanding balance of {$1900.00} with a due date f XX/XX/XXXX. I paid the full amount on XX/XX/XXXX. The next statement dated XX/XX/XXXX showed my payment had been received and credited to my account. however, this same statement also showed I still owed {$1900.00} as a 'suspense ' balance. It was unknown to me what 'suspense ' balance meant. on XX/XX/XXXX, i contacted the mortgage company PHH at XXXX and spoke to one of their representatives, XXXX, who verified to me that my payment of {$1900.00} had been received but for unknown reasons it was not credited to my account ; it was on 'suspense '. XXXX assured me that i would get a corrected statement within 10 days. on XX/XX/XXXX i went online and submitted an email to XXXX inquiring about my concern. a few days later I received a response stating they could not provide me with any information because i had not registered an account with the mortgage company. On XX/XX/XXXX i called again and spoke to the representative, XXXX XXXX, who was rude to me stating there was nothing she could do but the case was under investigation and that i would get a response within 30 days. on XX/XX/XXXX I called the company once again representative, XXXX, told me i had to request a payoff amount in writing, which she requested for me. On XX/XX/XXXX i did sent the payoff amount by registered mail. The company received my payoff payment of {$400.00}. Regardless of the constant communication I maintained over the phone with the company, during this time frame from XX/XX/XXXX thru XX/XX/XXXX I received about 4 letters from the company stating that i had a past due amount and the last letter dated XX/XX/XXXX notified me that the company was initiating foreclosure on my property. 
I feel I have been harassed by this mortgage company by sending me several past due account letters and the foreclosure notice when in fact I had always made my payments in a timely manner and even paid off my loan ahead of the schedule. On XX/XX/XXXX i went ahead an created an account and sent another email to the company inquiring about the status of my account. On this date when I logged in to my account, their system showed I had paid off my account in full. 
Thank you for any assistance you can provide with this uncomfortable situation. 
XXXX XXXX
Consumer complaint received 2018-03-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NY)

Hello, I am here to report CoinBase because I don't see any other way of resolving this. So I am a XXXX XXXX XXXX and make a living off XXXX. I enter trades on a daily basis and just like any other day I got on XXXX  ( the trading platform for Coinbase ) and entered and position which I was roughly planning on spending a couple of hours in. The following day, XX/XX/2018 I am told that my XXXX is temporarily suspended. After opening a few support tickets and calling them, I get an answer saying my account has been suspended due to a system error on their end and within 4 business days a specialist should review my account and allow me to trade again. Fast forward to today, XX/XX/2018 it has now been over 2 months and they now have stopped answering any of my support tickets and over the phone they only give generic answers and claim there is no supervisor or manager I can speak to. I can provide any type of proof of emails, claims, or anything you may need. The reason I stressed to them that this is a time sensitive issue, is that I'm in an active position, rather than sitting in FIAT ( USD ). This can also be seen as market manipulation and refusing to let me sell, let alone withdraw my funds. I have also participated in XXXX threads where there are thousands of angry customers with similar issues all helpless and not knowing to they can ask for help.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am submitting a formal complaint against XXXX XXXX for illegally sharing my transaction history with Experian on XX/XX/XXXX. Subsequently, Experian shared the same information with XXXX. These actions represent a blatant violation of 15 USC 1681a ( 2 ) ( 1 ), which is a provision of the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974. This unauthorized sharing of my sensitive financial information not only violates the FCRA but also compromises my privacy and security. Furthermore, Experian, as a consumer reporting agency, is also accountable for their role in this violation. By receiving and sharing my transaction history without proper authorization, they have breached their obligations under the FCRA and have infringed upon my privacy rights as guaranteed by the Privacy Act of 1974. To support my complaint, I have attached a copy of the letter I sent to XXXX XXXX detailing the violations and demanding rectification. Additionally, I have included proof of my information being shared with XXXX, a third-party website, without my consent or knowledge.
Consumer complaint received 2020-12-18
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. (TN)

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. These Accounts is inaccurate and I'm seeking litigation please delete at once. I feel like i'm being taken advantage of at this point. It's been well over 60 days I just want these problems resolved. According to the FCRA these inaccurate unverifiable items must be deleted immediately.
Consumer complaint received 2020-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I formerly filed a complaint in late XXXX XXXX about capital one not giving me credit for a payment they accepted on XXXX XXXX XXXX. Where they posted a bill I paid that bill and they took their interest from that payment. The bill was for XX/XX/XXXX. The only response I recieved back was a copy of my contract on how I can't make any payments over 90 days in advance. They told me my payment wasn't for the XX/XX/XXXX payment and after arguing with them they gave me my interest back and applied it to the principle. I asked the manager on the phone '' When can I make XXXX 's payment? '' I was told in about 3 business days. I made XXXX 's payment on XX/XX/XXXX which when my payment cleared the whole payment was applied to interest! They stated that they collected interest every day since my last payment on XX/XX/XXXX. My first complaint is how if my payment shows up as a payment on my app with interest taken out how am I supposed to know that that payment " technically '' wasn't accepted as a payment until I brought this whole problem to their attention while I was waiting to get XXXX 's bill. My due date never changed which prompted me to call. And even after that matter was resolved finally on XX/XX/XXXX I still wasn't able to make that payment for 3 additional days. If I can't make a payment because of their error how can they charge me interest? And second they charged me interest on the additional XXXX that " should '' have been applied to my principle if they are stating it wasn't a payment. Which was their interest they collected then returned on XX/XX/XXXX. I feel customer service when I spoke to them just wanted to be right and had no concern for the customer. The manager I complained to even made it aware that not only were they taking XXXX 's payment as an interest payment I still owed them 24 more dollars! I treated with disrespect when she called me " dude '' over the phone because I'm standing up for what I think is right. I asked to speak with her manager and she threw the " well the only person higher than me would be the president of our division. Would you like to speak to him? '' I said ABSOLUTELY and when she put me on hold for 15 minutes she came back with a more respectable attitude and she told me she would take my number so " he '' could call me back in XXXX to XXXX hours.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

The FERPA protects my privacy and student educational records. I have never knowingly provided consent for any disclosure of my educational records and transaction history. I have demanded multiple times for the information from my student loans be safeguarded and opted out of written, nonwritten, verbal and non-verbal consent to share my information. I have been exposed on affiliate and 3rd party sites who should not have had the information shared with them. My personal transaction history after the loan has been sold off multiple times has been acquired by Transunion, XXXX and XXXX.