davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (WY)

I applied for a credit card through Wells Fargo in XXXX MT on XXXX XXXX 2015. I never received it but was approved. They sent it to my past addresses that were listed in my credit report. I checked my credit one day and found out that I had this card and it had been being used by someone else. I cancelled it and reported the fraud. Later I check and find out it was also connected to a checking account that I was a co on. I did specifically ask that this card not be attached to any checking account and was told that it would not be, but it was and that checking account kept getting over drafted without my knowledge and put against my credit card up to approx. {$8000.00}. Approx {$6000.00} was overdraft fees. I contacted the bank to talk to the guy that set my account up but he had already quit, I am pretty sure it was due to being forced to setup accounts like this. I had to pay it so I could cancel all my accounts with them because everything they did was a mistake and kept costing me more money. I believe they at least owe the amount in overdraft fees.
Consumer complaint received 2023-03-20
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. (IL)

EXPERIAN is continuously reporting inaccurate information to my consumer report they have taken a vital role in myself and my childrens lives. This company has willingly and knowing reported inaccurate information after I have made several attempts to save my family from the malicious intentions we have endured. I have attached a recent copy of my most recent report regarding this account, I have also circled all INACCURATE information since this company will not do a proper investigation. EXPERIAN is practicing identity theft as well since I have never given any written authorization to share any of my personal information to any third-party entities which is a VIOLATION OF MY RIGHT TO PRIVACY. WHERE IS EXPERIAN 'S AUTHORTY REGARDING MY PERSONAL INFORMATION? Pursuant to 1681 ( 2 ) ( i ). DELETE THIS ACCOUNT ONLY ( XXXX ) FROM MY CONSUMER REPORT, the information is INACCURATE I should have never had to circle each inaccurate detail on my own. This negligence has prevented me from purchasing a home, made insurance rates more expensive and has caused trouble in my marriage.
Consumer complaint received 2022-11-01
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. (OH)

they never sent validation letter certified mail, you need tracking numbers i have it plus receipt i can provide upon request. and no personal interviews was done plus they only said verified as accurate and it has been over 30 days and never mark it being disputed when i sent in the request. where i never gave written permission to these accounts and i only have one address that is on my id not ot any other address and no permission giving. i beleive they are not following rules being fair and understanding of the law. it like they skipped a chapter. 

all the inquiries are still on there its not factual as they say they never shown my signature in any case remove and also the accounts i provided in docs. 

They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

According to : 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. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too. 

XXXX and other keep saying verified and accurate with no changes made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made. Thank you XXXX CFPB for looking into this. 


please follow up with this usa cfpb
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2022-12-21
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. (AZ)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX 

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 2017-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (VA)

I am a XXXX rated veteran caring for my XXXX grandson in my home. Due to a downsizing from my job and loss of my main source of income, I requested a loan mod from Wells Fargo in order to make the payment more manageable and ultimately keep my home. I was denied citing I had too many assets. Once those assets were depleted several months later, I again requested a loan mod but was denied again for the exact opposite reason citing I could not afford a loan mod payment ( not enough assets ). This was clearly contradictory. Which one is it? What is the objective criteria for a loan mod? Instead I was given the option to " apply '' for a short sale both times. I want to keep my home and continue to provide a stable environment for my XXXX grandson. Not sell it. What is the purpose of the loan mod program or the " Home Preservation Program '' as it was called if it was n't to assist those who want to retain their home and make good on their mortgage?
Consumer complaint received 2022-09-19
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (PA)

My Wells Fargo banker suggested me to apply for a secured credit card and told me there would be no annual fee for the card. I thought it would be a good idea to start building credits considering I am about to XXXX college. Until a week later after I got approved. I was charged {$25.00} annual fee on my account. I called my banker and asked about the fee. He claimed that he thought there would not be any annual fee, and since I already got approved, there is nothing he could do about it. I am now not only obligated to pay the fee but also stuck with a credit card which I would not have wanted if I was told the truth.
Consumer complaint received 2017-07-16
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: Diversified Consultants, Inc. (TX)

609 Letters were sent to each Credit Bureau concerning third Party accounts ( Diversified Consultants , Inc. and   XXXX   XXXX   XXXX   ) that I have no account or contract with for removal of unlawful open/negative accounts.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (DE)

I would like to state that Experian is in violation of 15 - USC- 1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. I the consumer never gave Experian any written consent to report anything on my consumer report. I told them to remove these inaccuracies off my consumer report. They are hurting my consumer report keeping me from extending my credit. if not removed i will not extend my credit to anyone or allow Experian to furnish a report for me. Persuit to 15 - USC - 1681 ( A ) 1 states that the banking system is dependent upon fair and accurate consumer reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX INQUIRES
Consumer complaint received 2017-04-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WESTERN UNION COMPANY, THE (CA)

Western Union has the worst money order refund process. It is very long/protracted, against normal intuition, and does not allow an efficient refund. In addition to this, they have discriminated against me as a XXXX person, decreasing the amount I am due although I have been in and out of the hospital since 2013. 

I have had a pending refund request for the last 4 years. I have sent the requested documentation and complete information both through snail mail twice and fax a grand total of three times. Managers named XXXX, XXXX, and countless representatives have failed to produce the desired effects of a simple money order refund. For any new information regarding the refund it takes 2-3 business days. I have had to hound the team receiving calls at XXXX XXXX XXXX XXXX XXXX to do their job. The team has dropped my calls, flat out ignored me, talked over me, and denied that I have sent documentation on several occasions. In the last communication, XXXX told me that she received paperwork, and she can not issue the refund to my New York address because the forms were incomplete. I have heavy time stamped documentation showing complete high resolution faxes were received at XXXX XXXX XXXX XXXX XXXX. I have had a college professor, lawyer, and doctor review my paperwork in my building to verify it is done correctly and completely. 

Western Union has fraudulently withheld my refund and has been deceitful through from start to finish. I have been scammed out of funds that were to pay for medications necessary to keep a XXXX person alive. 

If that is not wrong, I do not know what is.
Consumer complaint received 2022-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (CA)

I started out with XXXX, and applied for the XXXX waiver. In the process my loan was transfered to Mohela. In contact with Mohela, first they told me they don't do the XXXX, then they told me they would " try to to help me, '' then they told me that my XXXX would be updated the end of XXXX. My XXXX was not update, now states end of XXXX, once the application process for the XXXX with the lifting of temporary restrictions is over. I applied and have verification in XX/XX/2022, but still no answer. I have worked in XXXX XXXX for 21 years. I would think that I wouldn't have 96 more payments considering I have been repaying for over 10 years.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (MA)

I am a TD bank customer. Account # XXXX got XXXX  on XX/XX/2022. My debit card was used from XX/XX/XXXX to XX/XX/XXXX. I didnt get out of XXXX  until XX/XX/XXXX. The person put me in the negative over {$800.00}. The claim itself was over XXXX XXXX of transactions. I supplied TD bank with a police report, paperwork stating I was in fact in XXXX and they still denied my claim. I guess the person new my pin. It was my at the time boyfriend who I have broken up with and filed charges on. I still want my money back. All he got was XXXX  with no restitution.
Consumer complaint received 2022-12-21
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. (NY)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-29
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. (MD)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-20
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. (GA)

The accounts below have late payments showing on my Experian credit report which are incorrect and need to be removed. 

Experian late payments XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX This item is inaccurate because the CARES Act provided protection to consumers who were affected during the COVID-19 pandemic. This late payment occurred during a forbearance period and according to this Act, you allowed me to temporarily pause my payments. 


XXXX XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX This account was never late on the date listed above please remove late payment
Consumer complaint received 2023-06-16
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. (NJ)

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 items 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 XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2016-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Data Check of America LLC (AL)

Data Check of America has contacted me about a bad check I wrote to XXXX XXXX. I asked for something in writing to be mailed. Never got anything in the mail. They asked me to view a check on the website I did looked like a check I wrote. This is a check from 2001 and I no longer bank with that company. I pay my bills and if they would simply mail me notice I will work some type of settlement if I in fact owe it. Then I get a call from the " attorney '' XXXX XXXX XXXX from GA but I ca n't find anything on them. I spoke to a XXXX XXXX XXXX told her also to mail me something and she told me that was a stall tactic and she would not fall for my SCAM???? She said they were going to take to to court and starting yelling because I told her to simply mail me something over and over she continued to act unprofessional so I hung up. I looked on the XXXX under datacheck of america and the address this number listed above falls under them. I also tried to look up the law office referenced and could not find anything. I just wanted something in writing I will never pay something over the phone. She had my SS # address and name. There is nothing on my credit report I have checked. Please help me.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Dispute amount : {$1600.00} and {$2500.00} Date of transaction : XX/XX/2023 Case # : XXXX Merchants name : XXXX XXXX XXXX 
Bank name : Capital One I rented a vehicle from " XXXX XXXX XXXXXXXX  '' I was involved in a minor accident that caused damage to the wheel 's & tires of the car rental. I applied car rental insurance to protect me in the event that something like this would happen. I am only liable for a {$1000.00} deductible but the merchant is charging me about {$5000.00}. After trying to resolved the issue with the merchant, I decided to dispute the charges with my bank because the merchant is not honoring their part of the rental agreement. Unfortunately, my bank closed the dispute in favor of the merchant & is charging me an amount that I am not liable to pay. This is bad business on behalf of my bank institution.
Consumer complaint received 2023-06-16
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. (TX)

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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX Balance Owed : {$4700.00}.