davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CO)

on XX/XX/year>| received a call from XXXX at XX/XX/XXXX, I forwarded it to voicemail and they called me back twice so I answered the third time and they said it was my bank calling me due to some suspicious activity on my account. 
They asked me to look at some charges with me and then actually read off the most recent charges that were on my credit card with me and asked which ones were me and if I recognized any suspicious charges. They then said they already removed a wire transfer that was made to a " XXXX '' in XXXX FL and they need to move all my money to a new account. I said, " OKay, do you mind if I put you on hold. '' I called the number they called me on and it is the actual customer service line for Wellsfargo, so. I figured it was them and the fact that they were telling me charges I on my card. They then told me to transfer all the money from my credit card account to my checking and to wire it to this new account under XXXX XXXX. I did it because every time I tried to check by calling the number it went straight to wellsfargo and they made it sound like they were exactly my bank. After the second wire of money I just still had a bad feeling about it, they then asked me what was left in my checking, we also got disconnected and they called me back on XXXX and I thought that was weird because they should be able to see it? then I got a pop up on the app saying that banks do not ask you to wire money ever. I did not know this and so I hung up and it turned out to be scammers. My bank is working on getting this money back but I feel literally sick that they may force me to pay off my credit card now because they just updated that account to what I owe from this scamming. I feel that since they were obviously hacked into my bank account and using wells fargo phone numbers to contact me that I should not be responsible for this. I can't even afford to pay off that much debt right now. I need whatever help I can get please. The bank is refusing to comp any of these charges.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

Hello, I bank with Truist, and I had 3 fraudulent checks cashed out of my checking account with them. The amounts and dates are as follows. 

XXXX. XX/XX/XXXX Check XXXX {$8500.00} XXXX. XX/XX/XXXX Check XXXX {$2700.00} XXXX. XX/XX/XXXX Check XXXX {$6100.00} Please note, I have my original receipt for the first check XXXX that proves I never wrote a check for that amount or to said person. All three checks were fraudulently duplicated/made, all XXXX were made out to the same person committing the fraud, all XXXX had my signature forged on it, and all XXXX were cashed at discover bank. I was never issued a check book for checks XXXX to my knowledge, so it seems after check XXXX was stolen they used that as a guideline to reproduce the checks. I can see pictures of the cashed, fraudulent checks, under my online checking account. I write at least XXXX check a month and the XXXX fraud ones were blatantly a forged signature, they don't match any of the other checks I ever signed on my account. 

My first step was contacting Truist on Monday XX/XX/XXXX over the phone, a claim was filed for the fraudulent checks and I was instructed to go into my local branch to finish the process. On Tuesday XX/XX/XXXX I went into my local bank to sign and read all required paperwork regarding the claim. I was told in XXXX business days the money would be credited to my account, and then from there they would work to investigate this to release the money back to me. Well this morning XX/XX/XXXX I received the following message via email. 

" This letter is to inform you that we have concluded our investigation regarding your claim of fraudulent/unauthorized activity dated XX/XX/XXXX in the amount of {$17000.00}, in connection with the above referenced account. 
Based on our investigation, Truist denies your claim for reimbursement because you did not report your claim within required timeframe ( XXXX ). If applicable, the evidence which was used to resolve your claim will be available to you upon request. 
Truist values the opportunity to process transactions for our clients. Should you have any further questions regarding this matter, please contact XXXX XXXX XXXX at XXXX, we are open XXXX hours a day, 7 days a week. Our staff will be glad to assist you with any questions or concerns. 

Thank you for banking with Truist. '' My understanding is you have 5 years according to the statute of limitations to report check fraud. Also I can't find anywhere any timeframe that Truist even requires to report this. And that should have been the first thing mentioned over the phone if it was too late, so I call bs on this they just don't want to help me out. This is a huge amount and to receive such a vague response is disgusting. I wanted to go through the CFPB before contacting a lawyer, thank you!!
Consumer complaint received 2022-03-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Law Office of Carl Brugnoli (MA)

In XXXX, I bought a second-hand car in the state of XXXX, this car had a manufacturing defect and abs problems, after a few months of observing the problem with the car I wanted to return it to the dealer but they told me that I could no longer do nothing and they treated me in a threatening manner. In less than six months this car presented an imperfect that I had to pay with more than {$3500.00} ( I have proof ), in XXXX I moved to the state of XXXX  where I had an accident ( it was not my fault ), and the car presented again problems with the abs. I decided to return it and explain to XXXX XXXX that I can't afford the repair or pay for it and it's not safe for my life. 

In XXXX I received a letter from the XXXX Carls Brugnoli Law Office. They sent me an appointment to court where I attended. I indicated the situation there. I had no further communication. This week I received a letter from this lawyer indicating that he had copies of my arrest papers, but if he did not call him to discuss the debt. 

This situation is worrying since I am a person with medical problems and I pay for my health and this person causes me physical and mental damage.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have contacted Experian multiple times for the last couple years to lift the security freeze and fraud alert off my account. I was told back in XX/XX/2023 that both of them were off. I have been trying to update my information and they're refusing too. I spoke with the again on XX/XX/2023 and XX/XX/2023 and they give me a hard time. If they pull the calls since XX/XX/2023 I've never requested for the security freeze or fraud alert to be put back on there.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-06-07
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. (VA)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2022-10-19
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-09
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXXXXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-03-20
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: EQUIFAX, INC. (CA)

XXXX is a criminally motivated company- in spite of 10 complaints did not remove the old address to current new address, even after confirmed by XXXX  XXXX XXXX This criminal conduct by XXXX is harming me to open a new credit card. 
Current Address XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Furthermore, this criminally motivated company - Experian never provided any evidence that I applied credit to this company below " XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX MN, XXXX '' ================================================================== I am getting a lot of spam calls to my personal phone number, XXXX, Equifax and this criminal company XXXX MUST NOT list my personal phone number in my credit report at all
Consumer complaint received 2022-10-19
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: Fidelity National Information Services, Inc. (FNIS) (MI)

Chexsystems has violated my federally protected rights under the FCRA. ChexSysyems infringed upon my rights to privacy violating 15 USC 1681. ChexSystems did not have permissible purpose to furnish my non public information violating 15 USC 1681b. Chexsystems also reported inaccurate, false, misleading, unverifiable information causing me denials and failing to report maximum accuracy as required by Congress. Due to your inaccurate and illegal reporting, I was denied for credit for information you infringed upon that is non public information. ChexSystems employees/agents is using my consumer report with Extortionate means to coerce and swindle me into paying there business partners violating code 18 USC 894 and assume criminally liable and can be fined up to 20 years in jail. You are now on Notice to Cease Communication from me from all mediums including my consumer report. Failure to Comply will result in legal Matters in Federal Court with a jury trial for all damages sustained.
Consumer complaint received 2022-03-20
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. (CA)

Experian is a criminally motivated company- in spite of 10 complaints did not remove the old address to current new address, even after confirmed by XXXX  XXXX XXXX This criminal conduct by Experian is harming me to open a new credit card. 
Current Address XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Furthermore, this criminally motivated company - Experian never provided any evidence that I applied credit to this company below " XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX MN, XXXX '' ================================================================== I am getting a lot of spam calls to my personal phone number, XXXX, XXXX and this criminal company Experian MUST NOT list my personal phone number in my credit report at all
Consumer complaint received 2023-01-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Tromberg, Morris & Parnters, PLLC (NY)

I wasnt served a summons properly. I went to the courthouse and explained it to them because I didnt want to lose by default. Nothing happened with this court and I had not validated the debt. I was told I would be receiving something by email which I never did. I received a letter in the mail stating I was about to default.
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a collection account open from XXXX XXXX XXXX. ORIGINAL CREDITORXXXX XXXX XXXX XXXX ( opened : XXXX XXXX XXXX  ), open balance {$100.00}. Previously, I asked this company to prove to me that this is my debt and they didn't. If they can't verify my information, please remove it from my credit report immediately, i know it has to be remove in 30 days. If they can verify that it is my account please provide : method of verification, original contract with my sign and SSN number. Only if they will provide it, it can be verify! But i am sure they can't! This is not my debt, remove this account from my credit history. This is hurting my credit.
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: CITIBANK, N.A. (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 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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)

I am refiling this complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report last XX/XX/2023, with the identity theft report number XXXX. As I checked my credit report these fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy and CFPB rule on medical collection.I have again attached the FTC report together with the letter of explanation for the reasons why these accounts should be deleted from my files.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-13
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: EQUIFAX, INC. (MO)

XXXX XXXX XXXX XXXX is not only breaking laws but destroying my credit. I have filed multiple complaints about the fraudulent account XXXX. This company has opened and closed this account TWICE please see attached proof. 
15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 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.

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
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX