davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

I have been a member of Wellsfargo bank for 5 years with out any incident. I added my XXXX XXXX too my account and became XXXX on his acct but since I am the adult it is in my name. My son was scammed and tried to deposit checks into his account that were not real. I had no idea this took place until I received a letter stating a check for {$6700.00} had tried to be deposited on XX/XX/XXXX using a Wellsfargo atm. Upon discovering this I immediately called the bank to find out what was going on. I was informed that all 3 of my accounts were being closed not just his account. The reason for closing my account is that Wellsfargo alleged my login credentials were used to deposit these checks. There is no way this is possible. I have a XXXX XXXX set up on my Wellsfargo app so noone can get into my app on my phone but me. These checks were not deposited into my accounts but into my sons. Wellsfargo alleged that I used my mobile app on my phone to make 2 of these deposits however they said the location of the deposits being made were in Pennsylvania. I live in XXXX XXXX XXXX hours away this occurred on XXXX  I was at work so there is no way I was in XXXX Also there is no trace of any mobile checks being made from my phone. I went into a branch and a person banker looked in my app and couldnt find any deposited checks via the mobile app. The 3rd deposit was made using a local Atm once again my debit card wasnt used to make this transaction my son used his debit card linked to his account. By there on admission they are only closing my accounts because my information was allegedly used. However just as I explained this was not possible. This has caused me hardship bc of my funds being held, my paycheck not arriving on time, and because my account is being closed due to fraud its making it hard for me to find another bank. I am a victim of fraud however I am being treated like a criminal. Every time I call to resolve this. I am being bounced from dept to dept, being told different things and with no real resolution other than my acoounts being closed. Wellsfargo did not properly research these issues.
Consumer complaint received 2023-09-04
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

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 2023-11-04
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TransferWise Ltd (AL)

I hope this message finds you well. I am writing to bring to your attention the issue I am currently facing with my TransferWise account. When I attempted to log in recently, I received a message stating that my account has been deactivated. 
I value the services provided by TransferWise and have been a loyal customer for over a year. I understand that there may be reasons for account deactivation, and I would like to take this opportunity to rectify any issues that may have led to this decision. I submitted an appeal and this is what I got as a reply from wise. " Thanks for your email. Unfortunately, I cant see why we closed your account Customer Support cant see this information. We know this is frustrating. To claim any remaining money or appeal this decision, please go here and follow the steps : http : //wise.comXXXX  Once youve made your appeal, our team will be in touch with updates. Let us know if you have any other questions. Were happy to help. Best, XXXX XXXX Wise '' I kindly request you to review my account status because this is a mistake. Reason being that I havent made a duplicate account or unauthorized payment or uncompleted payment arising to this decisions. If there are any outstanding requirements or concerns that need to be addressed, I am more than willing to cooperate and provide any necessary documentation. I have being operating with my business account via wise legally registered under the Registeration in the United State Alabama. I got up a few week ago just to my surprise, logging into my account I was told its deactivated. I have other business services to transact with supplies and I wish you can look into this for me to reactivate my account for me respectfully as I am ensuring I dont violate any regulations by your noble firm. 

I assure you that I am committed to adhering to all the policies and guidelines set forth by TransferWise. I genuinely appreciate your prompt attention to this matter and your assistance in reactivating my account. 

Please do not hesitate to contact me at XXXX  if you require any further information from my end. I look forward to your positive response and the reinstatement of my account. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I reviewed my consumer report and noticed that i had a late payment on an account that i was never late for.Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy.I have never been late on payment of this account ; XXXX XXXX XXXX. 

Please investigate and provide proof with with statements showing that payments were made late.If proof cant be provided, I demand that payments be updated to on time as it should be as i was NEVER late. 

Thank You.
Consumer complaint received 2023-11-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I received an alert that a collection was placed on my credit file. Once I looked on there I notice a collection was placed with XXXX XXXX XXXX on my TransUnion credit file. I have no acknowledgement of this debt or understand how it just appeared out of nowhere on my report, so I disputed it. Additionally, I never received a validation letter or any communication from the credit buyer through any other means. This was all stated in the dispute with the TransUnion, but miraculously the dispute came back as verified as correct information. I don't know how that is possible when the credit buyer never sent out the notices required by law! This Company has done this in the past, and will now try and use the credit reporting agencies ( CRA ) and CFPB as middle men to try and pass validation/verification letters and other correspond through in hopes of it qualifying as their communication for FCRA purposes, which is also against the law, instead of sending that correspondence via certified mail like the regulations require. I would really like to know what XXXX relied on when verifying this account since there is nothing showing the acct. was verified unless it was forged.
Consumer complaint received 2022-11-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (TX)

I received a call from the following phone # : XXXX ( XXXX, Co ). The caller said he was from Commenity Bank and said it was concerning a past due amount and wanted my personal info. I told him that if I needed to talk to someone about a past due, I would call myself directly. I do have a credit card with Commenity Bank XXXX XXXX ) and it has NEVER been late and I knew right off the bat it was a scam. I am a senior and maybe they are focusing on our age group. 
Thank you
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: EQUIFAX, INC. (FL)

There is something crazy with my credit! I made a report a few days ago after I noticed that there are accounts on my credit report that are not mine. I'm not sure if my credit has been hacked and this is some kind of fraud or some insane error. I just need my credit back to normal with only my accounts on it. I have not given permission for anyone to use my credit. I am the only one allowed which is why i am so mad something like this happened to me. Please help me these accounts are not related to any account that I have opened or approved.
Consumer complaint received 2023-08-08
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I submitted a letter to Transunion and XXXX  regarding an account that is inaccurately reporting on my report, This account is paid in full and Ive requested for the account to be removed or remove the over two year old history which is within my FCRA rights and remove the status showing as 30 day late. 

I have received no response from either company.
Consumer complaint received 2023-11-04
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. (VA)

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

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

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2023-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

A credit card was opened fraudulently with my information through Capitol One in XXXX. The phone number Capitol One has on file for account is a number specifically designated to Make calls to & from XXXX. The adress they have on file I didn't live at until XXXX. I did NOT open this account. I can even prove that I NEVER made any payments with any bank account. 
I didn't know of this until receiving a collection notice from a collection firm called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this year.
Consumer complaint received 2023-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Selene Holdings LLC (FL)

Original Loan Modification application # XXXX Residence XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX submitted as of XX/XX/2023. Furthermore, illegal migrant squatters vandalized and destroyed residence. The renovation and repair are be done from personal finance s. Seleene finance is not processing loan modification application and requesting research. Unfortunately, that bank has filed foreclosure mitigation due to Seleene finance unable to service loan modification.
Consumer complaint received 2024-04-03
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. (CA)

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. 

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 2024-04-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OH)

On or about XX/XX/XXXX, and XX/XX/XXXX, I dispute the charge-off account CREDIT COLLECTION SERVICE for the following reasons : After reviewing my credit report, I have identified discrepancies that I would like to dispute. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as a consumer I have a right to question the inaccuracies of my credit report and to dispute any information on their credit reports that are believed as inaccurate, incomplete, or outdated. I requested that CREDIT COLLECTION SERVICE investigate this charge-off account and verify its accuracy.

I formally requested an investigation into the inaccuracies concerning the above account with CREDIT COLLECTION SERVICE, with proof of my signature on any documents or agreements related to the account, including but not limited to contracts, applications, or authorization forms, and requested that CREDIT COLLECTION SERVICE to correct or remove the erroneous information from my credit report as soon as possible. As a recipient of public assistance, maintaining an accurate credit report is crucial for my financial stability and well-being. 

Since CREDIT COLLECTION SERVICE was unable to verify the accuracy of the charge-off account within 30 days, I requested that CREDIT COLLECTION SERVICE remove it from my credit report as required by law. 

CREDIT COLLECTION SERVICE has refused to remove this from my credit report, and has not fulfilled my investigation request by providing me with the above request as a consumer by law. 

I am requesting that CFPB take further investigative actions into this matter with CREDIT COLLECTION SERVICE. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the results of your investigation and the resolution of this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion on going violation ( s ) of my rights according to the Fair Credit Report Act ( FCRA ) of proper and accurate reporting of information. These violation ( s ) of the Fair Credit Reporting Act ( FCRA ), abuse of the law, and total disregard of the to ignore the law is going on six ( 6 ) months. TransUnion on going of reporting illegal information of a Bankruptcy on my TransUnion Credit Report. Violates all section ( s ) of the Fair Credit Reporting Act ( FCRA ). TransUnion has denied my every attempt of using the law to prove my right ( s ) according to the Fair Credit Reporting Act ( FCRA ). TransUnion is acting as if they are bigger than the Fair Credit Reporting Act ( FCRA ) that governs them. TransUnion has ignored and disregarded my dispute of : 1. Accuracy and Relevance of Information FCRA Section 1681b : The reporting of the bankruptcy is not only inaccurate but also illegal. FCRA Section 1681b requires accurate and fair credit reporting.

2. Permanent Removal of Bankruptcy Reporting : Permanently remove the bankruptcy reporting from my credit report, in accordance with FCRA Sections 1681g, 1681b, 605 ( a ) ( 5 ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 2 ), and FDCPA provisions related to accurate and fair credit reporting. 

3. Illegal Reporting FCRA Section 1681g : The bankruptcy is being reported in violation of FCRA Section 1681g, which prohibits the reporting of bankruptcies that antedate the report.

4. Deletion of Inaccurate Information FCRA Section 611 ( a ) ( 1 ) ( A ) : I demand the prompt correction and removal of the inaccurately reported bankruptcy, as per FCRA Section 611 ( a ) ( 1 ) ( A ).

5. Fair Debt Collection Practices FDCPA : The continued reporting of this bankruptcy is misleading and may negatively impact my creditworthiness, potentially violating fair debt collection practices as outlined in the FDCPA.
Consumer complaint received 2021-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

My name is XXXX XXXX and I am a Identity theft victim dated back to XXXX. My License, passport, social security card and checkbook was stolen from one of my employees. I have tried SEVRAL times to dispute these items as the information in incorrect, my spelling of my name, wrong address and incorrect license numbers. There is an XXXX XXXX XXXX on in my name on my credit reports with the account number # XXXX. I have requested the original documents over and over. Ive disputed and this debt is still there. Please help. I have my police report # XXXX with XXXX police dept. I also file an Identity theft report in early XXXX with the FTC # XXXX
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Date : XX/XX/2022 Amount {$220.00} XXXX XXXX offered a settlement for the above amount and I paid it. I was told the account will no longer appear as delinquent but it still appears on my credit report
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

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 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 ) person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Camino Financial Inc. (MD)

After explaining to the company that I was having difficulty keeping up with payments. They adjusted the payment schedule, but also with Drew funds for the previous agreement, which I turn would overdraft my account on a number of occasions. And now they call4 or five time in a row and call my family after I've spoken with them about arranging other options. They continue to call evnery day constantly.