davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CT)

On XXXX, XX/XX/2022 at XXXX EST, I received a text message from my bank, Wells Fargo XXXX informing me a new XXXX Recipient ( named " XXXX '' ) was added to my account. I did not give any authorization for this contact to be added to my checking account as a XXXX Recipient. 

At XXXX EST on the XXXX, I subsequently received an email from Wells Fargo Bank stating I sent a XXXX Payment of {$750.00} to this recipient, XXXX This was a fraudulent charge, thus immediately called Wells Fargo to dispute the fraudulent XXXX transaction and opened a fraudulent claim. Wells Fargo immediately closed online access to my checking account at that time. 

The entire week of XX/XX/XXXX there was no communication or follow-up from Wells Fargo Bank regarding the claim that I filed ( no email, letter or phone call ). 

On Monday, XX/XX/XXXX, I called the Fraudulent Claims Department to follow-up on the status of my claim. At that time, I was informed by the Claims Specialist that the investigation was closed and the dispute was denied without any further explanation. 

In closing, I am hoping CFPB can help rectify the situation with Wells Fargo and have the fraudulent XXXX transaction of {$750.00} refunded to me by Wells Fargo. 

Thank you in advance for your time and assistance.
Consumer complaint received 2022-10-27
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. (GA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I notified the credit bureaus about accounts that are reporting on my credit report that are not right. Their initial investigation did not correct the issue. I asked them to provide me with the information they used to verify the information but they did not provide the information. I checked my credit reports today and nothing has changed. I have sent them more than enough info to resolve the issue and they have done nothing.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, 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. (GA)

Attached in my identity theft report and below are all fraudulent inquiries reporting on equifax Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

National Credit Systems is refusing to remove a debt of {$180.00} from my credit report. 

They have been informed by XXXX XXXX the original debt holder that the debt was assigned to me in error. 

However, National Credit refuses to remove the debt or send me a letter acknowledging the company is removing the debt. XXXX has continued to send me letters about a debt of {$130.00} that has been removed from my credit report. 

Please compel National Credit Systems to READ this complaint and review the attachment and send me written notification that the company is removing the {$180.00}.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My birth name which is : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-10-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (SC)

Received a validation notice from Medicredit regarding an outstanding balance to XXXX XXXX XXXX XXXX XXXX. When I received a bill originally from XXXX, I requested an itemized bill by calling the number on the bill. When I asked what it was for, I was told they didnt know. My healthcare providers are with XXXX XXXX so I was surprised to get a bill from XXXX. No itemized statement has been to date provided. 
I responded to Medicredits validation notice with a written dispute and requested an itemized statement of charges to figure out what this is for. 
Today, I received a letter from Medicredit indicating they conducted an investigation and that the balance is correct. No itemization was provided per my request. No explanation as to what the bill is for.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PA)

My information was exposed on the XXXX XXXX  and I am a victim of identity theft. Fraudulent accounts were opened using my name that was not me nor do I have any knowledge of. These accounts are ; XXXX XXXX opened on XX/XX/XXXX with balance of {$9300.00} XXXX XXXX XXXXXXXX opened XX/XX/XXXX with balance of {$1100.00} XXXX opened on XX/XX/XXXX with balance of {$3700.00} XXXX XXXX opened XX/XX/XXXX with balance of {$9400.00} I filed a police report ( XXXX XXXX  XXXX ) to report this fraudulent activity.
Consumer complaint received 2019-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

Consumer Financial Protection Bureau ( CFPB ) Step 1 : What is this complaint about? 
Step 2 : What type of problem are you having?

Step 3 : What happened?

Step 4 : What company is this complaint about?

Step 5 : Who are the people involved? 

1-Balance Discrepancy : Suspicious Activity/Tampering 2-The amount of {$20.00} has appeared as overage and {$40.00} disappeared as shortage on my account, without explanation and no resolution ( never shows on statements, just through the automated system ). 
3-On XX/XX/XXXX, I noticed and reported a {$20.00} overage on my account and did a requested follow-up on XX/XX/XXXX. The representative informed me to look for an Original Bank Entry ( OBE ) on my statement if the bank found its error ( problem not corrected ). On XX/XX/XXXX, I noticed and reported a {$40.00} shortage on my account ( The original {$20.00} overage plus a recent {$40.00} shortage. Note : I never counted the {$20.00} overage as part of my balance ). My case was forwarded to the executive branch ( XXXX ) on XX/XX/XXXX, according to XXXX XXXX ( case # XXXX ). I missed the executive branch call on XX/XX/XXXX ( voice message left XXXX ). 
4-Wells Fargo 5-On XX/XX/XXXX, I spoke with XXXX XXXX ( XXXX Virginia   XXXX ), XXXX XXXX ( XXXX Customer Care XXXX ). 
Message : This issue is very troubling given Wells Fargos criminal history of wrong dealings and its recent {$1.00} XXXX fined by XXXX : https : XXXX. I feel my money is not safe with Wells Fargo and that they could care less about the matter.
Consumer complaint received 2022-10-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NJ)

on XX/XX/XXXX I contacted 5th 3rd Bank Mortgage pay off Department. I asked them to send me a Mortgage Loan Pay Off letter and expressed to them that i was enclosing a settlement insurance check which i endorsed to PAY OFF MORTGAGE LOAN. 
I sent Check to Mortgage XXXX XXXX XXXX Department with Letter requesting Mortgage Loan be paid off. Check amount was higher than Mortgage Pay off amount, so i asked them to process Pay off and sent me back additional balance from check. I was told it will take XXXX to XXXX days for payment to be processed. Kept calling and after waiting over XXXX minutes on telephone and transferred to different people and getting disconnected and was told again that payment was being processed to wait another XXXX to XXXX days. Called up again and was told check had not been processed, that someone left it on hold but not to worry because in another XXXX days payment will be processed. On XX/XX/XXXX got an email from LOSS DRAFT DPT. asking me for information about repairs in my House. It was XXXX  and bank Mortgage Dpt. was closed. On XXXX XXXXXX/XX/XXXX around XXXX PM a Lady called me and told me i did not have to provide additional information because Mortgage was being paid Off. After Lady from back called me i started getting several emails asking for additional documents. 
Called Bank on XXXX XXXXXX/XX/XXXX around XXXX AM and again i was told no additional documents are needed to process Mortgage Pay Off. 
XXXX  XX/XX/XXXX got several emails asking me again to submit additional documents. 
This is ABSURD! They Cash Check and put it on an escrow account. Instead of processing Mortgage Pay Off and sending me overpayment money back to me. 
I don't understand why this people are withholding my money and are ignoring my request to PAY OFF MORTGAGE LOAN so many times. 
CAN YOU PLEASE! HELP ME! 
THANK YOU!
Consumer complaint received 2019-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2019, Sychrony Bank - TJ Max rewards card posted a deliquency on my credit card. Over the phone, the agent explained that it was a {$6.00} charge posted on XX/XX/2019 after my balance was paid off and my account was closed on XX/XX/2019. Without being probably notified, this amount ballooned to {$10.00} on XX/XX/XXXX. The agent told me that this was an incorrect charge but said that she couldn't do anything to for the event to my credit card which could affect my credit score. She simply told me to file a complaint to the credit bureau. She also filed a complaint to the bank on my behalf but still she coulnd't do anything about the credit. I found this as unacceptable customer service from the bank and I don't think the bank tries its best to serve its customers
Consumer complaint received 2022-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (PA)

In XX/XX/2021 and XXXX I went to an XXXX XXXX XXXX XXXX XXXX XXXX XXXX was done. At the time of Service I presented My Medical Insurance cards. They looked into which Lab company was covered by My insurance and proceeded with lab work. Now a year later I have these on my credit report. No bills were sent to me no phone call. Now they are in two different collection agencies. 

Place Of Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charges of {$450.00} and {$390.00} I reached out to the Medical office no one has return my call back after they said they would look into it. Today I called one of the XXXX XXXXXXXX and did not get any solution to my concern towards these complaints on My Credit Report.
Consumer complaint received 2024-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received a copy of my most recent credit report and there is an inquiry from a company XXXX XXXX dated XX/XX/22. I did not initiate, request and/or conduct any business with this company.
Consumer complaint received 2022-10-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cheadle Law Firm (TN)

To whom it may concern, I am concern i am contacting you regarding my complaint against Cheadle law ( XXXX XXXX ) Tennessee. They are handling a case with XXXX  XXXX. I borrowed a loan back in XXXX while leaving in XXXX Tennessee. It was a high loan .I don't remember how it was but i know it wasn't a XXXX loan that Cheadle law trying charge me i told one of the represent trying make payment plan and she was very mean and rude. I ask her how much the loan i borrowed and she said XXXX. the interest rate was XXXX and court cost lead up to XXXX. That was my total to pay ..I told her no one try to get intouch with me and she said they don't have to get InTouch to send you to court but i can make a pay arrangement. I don't remember borrowing that much money and i know XXXX  XXXX  sold the account and these people are scaming to get over XXXX dollars from me. This is outrage .they are adding unjustified amount to problem XXXX account are less. They are adding these fees with out any proof of the actual amount that was sent to them. That loan was taking out in XXXX i was making my payment on time i just had lost my job and my phone service and i had to move so i got in a bad debt. But still doesn't mean because i mess up that i have pay extra XXXX or more for it, then i try to make payment arrange with this law firm and still charging outstanding fees. the lady was rude and aggressive and hung up the phone. Not good customer services. My question is how problem XXXX loan or less and come out to be XXXXThey are get over and using they lawyers as intimidation. please hold the firm accountable for unfair practices.
Consumer complaint received 2018-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Global Portfolio Recovery, LLC (AZ)

This is a time barred debt and is beyond the statute. This company refuses to remove it from my credit bureaus but it is now over 6 years old and was opened in XX/XX/XXXX. I gave evidence of same and they continue to state it was opened in XX/XX/XXXX which is incorrect. It needs to be removed from my credit bureaus and they need to cease collection activity as I am unemployed due to no fault of my own. I also have a XXXX.
Consumer complaint received 2022-10-26
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. (PA)

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

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 consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates 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 consumers 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 a 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.
Consumer complaint received 2021-09-25
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. (MA)

On Friday XX/XX/XXXX. I called Experian to file a Dispute with XXXX. XXXX Charged off an account in my name even though I had a payment agreement with them due to covid. when filing a dispute with Experian they ask for the reason and 1 of the options is " Due To Covid ''. so I explained to the representative at Experian that my problem was due to Covid 19 Pandemic. 
On XX/XX/XXXX I received a update on my dispute from Experian and they said that the information was accurate. why would Experian offer covid 19 as an option for a dispute even though I was truly affected by Covid 19? 
The XXXX Account was charged off for {$760.00} eventhough I had a payment agreement with them. Just seems like these companies are working together to hold me back
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RS Clark and Associates, Inc. (GA)

RS Clark & Associates has never contacted me in regards to a debt they claimed was owed to them, but continued to report it to all 3 credit bureaus monthly. The account balance they claimed to be due, was paid directly to the original creditor XX/XX/2021, with whom I still have an account and RS & Associates was notified the same day by myself and the original creditor, that no balance was due. Instead of correcting their records, they sent an update to the credit bureaus saying my account was still owed as of that day. I filed more than 6 disputes providing receipt of payment and account screenshots and each time they would respond that my account balance wasn't paid and still outstanding as of XX/XX/2021.
Consumer complaint received 2023-05-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im trying to buy a house and I realize that I have damage on my credit report ACCORDING To the 15 U.S.C 1681 LAW, THERE SHOULD not be any damages on your report is a Defamation to your character. 

REMOVE ALL FRAUDULENT INQUIRE!!! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-02-26
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (MO)

Many students have been having issues with XXXX regarding the living environment and the way that the Cashiers Office, Accounts Receivable and/or the Financial Aid office assists and/or communicates with their respective offices on behalf of your account. 

An example of this comes through a friend named XXXX XXXX XXXX, who can provide her own details regarding her account in more detail, but has similarities to my own complaint in the regard of XXXXL attempting to collect funding independently on our respective accounts. XXXX has attempted to charge myself and others with amounts that are not indicated on our accounts, place such matters on our credit reports and/or send such to an outside collection agencies ( or threaten such actions ). 

Empirical evidence comes through XXXX sending such matters to outside collection agency XXXX XXXX XXXX through XXXX. Upon review, XXXX XXXX XXXX advised that debt was not accurate according to records XXXX falsified to send off to them & /or did not verify a debt was out in accordance to the times that the student was a student on campus. 

Additional complaints to CFPB involve XXXX to take threats of action from retaliation from OCR complaint ( please contact Department of Education ), as well as XXXX - Case # XXXX, that additional information can be found in reference numbers XXXX & XXXX. 

The most recent letter that bringsawareness of this practice by XXXX comes from collection agency, " The XXXX XXXX, XXXX '' Where XXXXL, " XXXX XXXX XXXX XXXX XXXX '' is named as the, " Creditor '' for Account Number, " XXXX XXXX '' & CS Number, " XXXX '' with Reference Number, " XXXX ''. They are attempting to gather funds that were previously sent to XXXX XXXX XXXX from XXXX. The current amount due is XXXX. 

Other individuals have had these matters occur and had their credit damaged as I have through this practice, yet their amounts have escalated and even skyrocketed into the tens of thousands, yet started off similarly to the amounts I have indicated. At present I have no way to enter campus to resolve such matters, while defending myself again assault which occurred on campus. 

Matter is currently a form of harassment for speaking out against practices that went against the XXXX XXXX XXXX 

Matter is referenced in XXXX XXXX & XXXX XXXX Releases from XX/XX/2018
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NC)

I have been paying my Amazon store and my paypal credit accounts religiously for years and the only time I had any issues paying on time or just passed the due date was during the initial months of the covid crisis. Synchrony decided to close my auto care card in XXXXXXXX XXXX XXXX during the main time of covid when every other credit and financial company was helping their clients. After they closed the account, I appealed the closure, that in turn got denied. After that, I told them they wouldn't see a dime paid towards the account and I have kept that promise on that specific account. All open accounts were caught up and kept in good standing before and after covid without question. I have made the payments since learning of said closure of these two ( Amazon and Paypal credit ) in good faith that these two will be reopened.