davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2023 there were 6 withdrawals from my checking account at Wells Fargo bank in $ XXXX increments totaling {$5700.00}. 
We reported it to the bank on the XXXX when we first saw it. Bank made no attempt to inform us that this happened and being that it overdrew my account, they should have seen the red flag. I have banked with them for 29 years and through reviewing my history, they can see that I wouldn't do this. 
The bank refuses to give me details about these withdrawals saying they will let us know in 30 days. They also have come to the conclusion that the withdrawals were made by us, which they were not, nor was there any authorization to withdraw. I suspect identity theft. 
We have found on our own that the entity who removed the funds was XXXX XXXX XXXX. 
We don't and have never dealt with stocks or bonds, and we certainly wouldn't overdraw our account to invest in this. 
Our income is Social Security. 
I have spoken with many bank employees at the bank and even went to the bank to see if this problem can be resolved, and each say they can't divulge the info. and therefore I am unable to resolve it with the thief. 
I do have a fraud claim # XXXX. I received a letter from Wells Fargo on XX/XX/2023 stating that the case was closed and they will take no further action. 
Thank you.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, am writing to file a formal complaint against the three major credit reporting agencies : XXXX, XXXX, and XXXX. This complaint is in regard to multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), particularly concerning the privacy and accuracy of my credit information. Violations Include :. 
Privacy Rights Violation ( 15 U.S.C. 1681, Section 602 ) : All three agencies have mishandled my personal and financial information, compromising my right to privacy as protected under the FCRA..

Unauthorized Distribution of Information ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : XXXX, XXXX, and XXXX have all furnished information about my account without receiving my explicit written consent, a direct contravention of the FCRA mandates.. Incorrect Late Payment Reporting ( 15 U.S.C. 16666 ) : Despite my diligence in making timely payments, the reporting agencies have inaccurately reported late payments on my credit profile, which is misleading and damaging to my credit standing. These actions by XXXX, XXXX, and XXXX not only violate specific provisions of the FCRA but also inflict undue harm on my credit reputation and overall financial well-being. I expect a prompt and thorough resolution to this matter and request to be kept informed of the progress. 
Thank you for your immediate attention to these serious concerns. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-09-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been contacting transunion and XXXX to please put an account on my credit report. The account is XXXX where I am an authorized user on this account. I also contacted XXXX as well to ask them to please report this account to the credit reporting agency 's. XXXX is currently reporting the account. This will help my credit score as I am having difficulty with the credit reporting agency 's in disputing wrong information on my reports for other items.
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (CT)

XXXX, XXXX  and Experian allowed my identity thief to login into my credit and insert fake address, and a phone number. I have contacted them multiple times to remove the information. The identity thief got car insurance in my name, and applied for credit cards and business loans. He uses a fake email in my name to gain access and he has a fake drivers license in my name. I have asked the three credit companies to block him with his email address. I have sent disputes about the fraudulent address & phone number and they have done nothing!!! I put a freeze on the account alone with a fraud alert. I have disputed the hard inquiries. Im not able to get a free credit report online because the thief manipulated my information. Help make these companies be more responsible for everyone credit info. I have filed a police report too.
Consumer complaint received 2024-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I worked as a therapist for a not-for-profit hospital that provided mental health services to the public and veterans from XX/XX/XXXX to XX/XX/XXXX. The hospital took state insurance and is a certified tricare provider to treat military. Before the loan was switched to XXXX, I spoke to someone from XXXX XXXX  on the phone said it did qualify and my counts would be updated to reflect XXXX additional months. XXXX took over during Covid and there was apparently no documentation of the previous conversation. I just kept getting letters saying they were still trying to determine the status whenever I would request an update. When you look at the flow sheet of my XXXX it is able to go to the bottom. It qualified under public health to people with XXXX and I tried the dispute and was told it did not qualify because it is a for profit, but that is not what my form filled out by XXXX chose. Ive called both XXXX and sent disputes through the department of education with no success. Im attaching all the documents I have related to this period. I worked at an XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX so I can guarantee I was doing public services and Im frustrated that I am trying so hard to confirm the public service I did. I cant speak to anyone on the phone so it just seems like this case is only being reviewed by a robot.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX  XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XXXX XXXX XXXX  I contacted Equifax Consumer Reporting because I was unable to access my credit report online. Upon speaking with the agent and resetting my password I received an error message that requested I contact Equifax and provide them with the code XXXX. Equifax system shows that my entire credit report was blank with no information being reported. The agent informed me that due to technical issues she was unable to assist me and that she was sending my request for immediate support and the issue should be resolved in 30 min to 24 hours. To date, Im still unable to retrieve my report or score and its impacting my ability to qualify for a mortgage loan
Consumer complaint received 2024-03-05
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure the accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAINE & WEINER COMPANY, INC. (FL)

I am contacting you to request the immediate deletion and removal of the accounts and information listed below from my consumer report. It is evident that these accounts and information should not be included in my consumer report, as their presence constitutes a direct violation of both the FDCPA and FCRA. I insist on their prompt deletion and removal from my consumer report to rectify this violation of multiple laws. Kindly take immediate action to remove these accounts and information without delay.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Block and delete the fraudulent accounts listed below, as mandated by law and the FCRA. Failure to comply within 4 business days will result in legal action, and I do not consent to automated verification methods. I expect prompt resolution and acknowledgment of this matter. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$140.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$920.00}, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}. Please delete.
Consumer complaint received 2024-03-05
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)

I noticed A late payment on my Experien report from XXXX In late XXXX reached out to experien To have the late payment removed because i was not the person who opened a loan with XXXX my girlfriend used my credit card without my knowledge but she was making payments on this loan from her own bank account not mines she gave XXXX her banking information for payments when she opened the loan.Enclosed is the documents that show my XXXX purchase history doesnt reflect the XX/XX/2023 purchase so how can i be responsible? Experien told me to have XXXX remove the late payment so for the past two months i have been getting told every 3 days that my dispute has gone to a higher escalation department and to call back in 3 days.Their first response to my dispute was that i was responsible for the loan until i emailed new information that supported and showed that my girlfried had made several payments on this loan from her own bank account.Consumer Reporting Agency have a vital role and responsibility to report Consumer information to the best of their ability with maximum accuracy .I did not open this loan with XXXX for XXXX as my personal XXXX history doesnt reflect the purchase in question also i never made payments on this loan and the only person who made payments on this loan is the person you should be looking at not me.
Consumer complaint received 2017-09-18
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fay Servicing, LLC (FL)

My morgatage was paid with XXXX XXXX XXXX with a loan discharge and i did a motion to the court for summary judgment on XX/XX/2017 and the judge denied the motion seens the case is close but Fay Servicing keeps get in contact with and tell me they owned my property i disputed the debt with them seens is payoff and they have not paying attention to me about this disputed and keep calling me and harassing me about the debt and even reporting me to the credit bureau they 're not my lender and i do n't old any money to them and my credit score is being affected because of them please help me about this case because is very frustrating thanks sincerely XXXX.
Consumer complaint received 2022-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (PA)

TRUISTXXXX ; LOCATED : XXXX XXXX XXXX, XXXX, GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$3900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

In accordance with the Fair Credit Reporting Act, this creditor, the ( Amazon Store Credit Card ), has violated my rights under Title 15 USC 1681, Section 602, which states I have the right to privacy. Additionally, 15 USC 1681, Section 604 ( A ), Section 2 also specifies that a consumer reporting agency can not furnish account information without my written instructions. Under 15 USC 1666b, the ( Amazon Store Credit Card ) may not categorize a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase closed my bank account that was in good standing, I ran a credit report, and all came back clear. I have a FICO score of 815-820. Chase refuses to tell me why they closed me down. All they write is that I am guilty by association (?? ). I suspect discrimination.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Subject : Urgent : Credit Report Errors and Consumer Rights Violations Complaint Dear Sir/Madam , I'm writing to dispute inaccuracies in my credit report and file a complaint against the debt collection agency and credit bureaus involved. My issues include : 1. Closed accounts reported as open.

2. Illegal attempts to collect charged-off debt.

3. Wrong late payment entries.

4. Non-compliance with FCRA reinsertion notification requirements.

5. Dismissal of my verification request as " frivolous. '' 6. Prohibited inclusion of income information.

7. Unauthorized sharing of my personal information. 
8. Lack of required 1099C or 1099A forms from XXXX XXXX XXXX XXXX. 

There are also inaccuracies regarding account dates and a failure to report correctly, violating my privacy and consumer rights as per various sections of the USC. 

15 U.S. Code 1666b 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), violation of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ). 


Immediate correction and action are necessary to resolve these serious issues. 

See attached for proof of my claims, my credit report and my letter in full detail of this claim and violations of FRCA Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-05
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. (NJ)

XXXX XXXX XXXX has disclosed my personal information in a manner that is not allowed by law under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. my rights have been violated and I demanded they remove my information from all three credit bureaus that since they DID NOT have my permission to share my information to other non-affiliated third parties. under 15 U.S. Code 6802 section ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Non of these options was given or explained to me at the time. this practice is an a violation of my rights and demand the removal of the account from all three credit bureaus.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-03-05
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)

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by XXXX XXXX XXXX ( XXXX XXXX XXXX. I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.

Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights.
Consumer complaint received 2024-03-05
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. (TN)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX