davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2022 I was scammed by a XXXX XXXX XXXX XXXX stating I was going to have an amount deducted out of my account for renewal of a protection plan and if I did not want to renew I needed to call an 800 # to cancel in doing that the scammer convinced me that I needed to give him permission for the refund and needed to go on the website to do that so it looked just like a legitimate XXXX XXXX website and accepting the refund allowed him on my computer and he transferred money out of my savings into my checking to make it look like the wrong amount had been entered for the refund so he said the only way to get it back to him was by wire transfer so he sent email to send a wire transfer from my bank ( XXXX  ) to Wells Fargo. Upon research I realized it was a scam and called my bank however they said the wire had already been sent to Wells Fargo but they would put a freeze on it and all my accounts and for me to go to my bank 1st thing the next morning and explain and close all my accounts and re-open new ones, I did this and was htere for 3 hours then returned back to my office and spent another 4 hours filing a police report, reporting identity theft and reporting it to the credit bureau. On XX/XX/2022 XXXX  from Wells Fargo called me to confirm wire and specifically told him " DO NOT SEND THIS IS A FRAUD '' He said the money had not been sent and gave me a reference number but my bank had to request the funds back in writing. So I spoke with an XXXX at XXXX and she took the information and gave me a claim number and said it could take XXXX days to retrieve the funds. I let a few days go by and called Wells Fargo back and on XX/XX/2022 I spoke to a XXXX and he told me my bank had not sent the proper paperwork to retrieve the funds, they needed a letter of XXXX and a hold harmless agreement so I called my personal bank XXXX XXXX and got him involved and he said that paperwork had been sent on XXXX.On XX/XX/2022 I called Wells Fargo bank and spoke to a XXXX and he said the case had been closed and they sent a message on XX/XX/2022 that the funds could not be retrieved. I called my banker on XX/XX/2022 and as of that date they had not received anything from Wells Fargo and as far as they are concerned the case is still open. My complaint is with Wells Fargo!! Why did they send the money when I specifically told them not to it was a fraud!!!
Consumer complaint received 2022-12-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Capio Partners, LLC (CA)

XXXX XXXX. has flagged my social security number for XXXX XXXX on XX/XX/XXXX. This caused my credit to take a hit. They have not tried to call me to notify me of this and I have called and emailed the company but my emails and phone calls haven't been returned to discuss this. I disputed the collection on experience also.
Consumer complaint received 2022-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (GA)

XXXX  {$2700.00} 2014 XXXX credit card open in with my information as result of identity theft. 
Filed and sent police report and FTC claim to XXXX as well as all 3 bureaus. 
XXXX refuse to acknowledge claim. 
Credit Control is the debt collector that sent out notice. When I disputed the claim the file was transferred back to XXXX Bank for the claim to be denied. One e denied file was reassigned back to Credit Control. I ask company to send me a copy of the original contract so that I can conduct a personal investigation just to keep receiving bill statements. This is causing hardship due to credit denial
Consumer complaint received 2022-12-20
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. (MS)

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not belong to me. It is the result of identity theft.
Consumer complaint received 2019-07-15
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THESE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I paid off the loan in full XX/XX/2019. The company refuses to update my credit report. I have asked several times by email and they either dont respond or tell me it can take 45 days or longer. When I disputed the balance due and last payment made in my credit report with the 3credit reporting agencies I was told that XXXX   XXXX  insisted I had a large balance and that my last payment was in XXXX rather than indicate the loan had been paid in full.
Consumer complaint received 2019-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

I use TD Bank as my bank. About 3 weeks I noticed that there were 2 checks that I sent in the mail were clearly altered. I called up TD Bank and froze that account. I went into my local TD Bank branch and filed an affidavit of fraud. It took them nearly 3 weeks and only because of my complaining on social media that they responded. A representative from TD bank reached out trying to get a provisional credit. However, the local branch rejected this provisional credit without explanation. It is getting extremely frustrating and difficult to deal with TD Bank. My local branch is completely unresponsive. Meanwhile, a huge sum of money is missing from my bank and I have to pay bills. TD Bank was extremely negligent in allowing these checks to go through when they were clearly altered and they should take responsibility for their actions. They should have contacted me to ensure that these checks were legitimate before taking out such a huge sum of money from my bank account. Therefore, I would like my money back as soon as possible.
Consumer complaint received 2019-12-11
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. (FL)

Equifax has been notified by XXXX XXXX  XXXX fraud department and myself several times starting XX/XX/2019 stating to remove four accounts and all inquiries associated with the accounts from my credit report as they were found to be opened without my permission fraudulently. A police report was filed. XXXX  and XXXX  oblige and removed all accounts and inquiries from report. Equifax is refusing to remove XXXX  XXXX, XXXX  XXXX  and XXXX. They did remove XXXX XXXX. XXXX has reissued they request to remove the accounts multiple times and I have verbally called in and submitted disputes online over 20 times and Equifax states they are accurate. XXXX  is unsure at this point on what to do and I am not getting a correcting response either. I am hopeful you will make them do what we have been telling them needs to be done asap. This has been going on since XXXX and needs to be finished with all traces removed. Equifax needs to be replaced with a better agency who does not release people 's information and will properly investigate and listen to the fraud departments of creditors when they say something is incorrect and needs to be removed. Thank you.
Consumer complaint received 2022-12-20
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. (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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 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 2023-02-25
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. (VA)

On XX/XX/XXXX, and XX/XX/XXXX, I received an email and letter from the Department of Education. In regards to, Student Loan Discharge Based on Borrower Defense Evidence. The notice from the Department of Education stated, " Your loan ( s ) will be discharged as part of a Department action ( " Group Discharge '' ) to discharge all outstanding loans for attendance at XXXX XXXX XXXX that first began from XX/XX/XXXX through closure in XX/XX/XXXX after finding that it engaged in widespread misconduct that violated state consumer protection laws and/or made widespread substantial misrepresentations about its educational programs, both of which are grounds for borrower defense to repayment under the borrower defense regulations ( 34 C.F.R. 685.206 and/or 685.222 ). The Department is discharging your loans without requiring you to file an application because of the pervasive and widespread nature of the school 's conduct.

You also may receive a refund for prior payments made to the Department on your discharged loan ( s ) related to XXXX XXXX XXXX. Your servicer will let you know if you are eligible for a payment refund, which would be mailed to you. Please check your online account with your loan servicer to ensure your address is correct so you can receive any refund. Otherwise, you do not have to take any further action to receive your discharge. Your credit report will also be updated to reflect this discharge when it is complete. '' I have previously disputed with all credit bureaus and the issue has failed to be resolved. 
I contacted the loan servicer XXXX after receiving written notice and was advised it will be removed in 90 days. This was not resolved.
Consumer complaint received 2024-04-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (PA)

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

1 ) In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

2 ) In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2024-02-21
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. (CT)

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 Number XXXX Account Name : XXXX  XXXX Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number XXXX and list of Inquiries. 


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 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (GA)

I spoke to Wells Fargo Auto on XX/XX/2023 informing them that Im unable to afford my monthly auto payments. I was informed by the associate that Im eligible for a 3 months deferment based on the history of the account. 

The reason for requesting a deferment was because Im a self employed businessman and business has been slow since the beginning of the new year due to reduced consumer spending and increased inflation. 

As a result weve experience over 80 % decline in sales on a month by month basis which qualifies as a financial hardship. 

Ive already liquidated my shares and stocks and the proceeds are expected to arrive by XX/XX/2023. 

Im now asking that Wells Fargo Auto grant my deferment request for at least 60 days that way I can resume my regular auto payment beginning XX/XX/2023.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2019-12-11
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

3 months ago I contacted iQ data international_ due to a XXXX $ Colection that was placed on my account, because of a apartment lease. The account is joint by me and and my daughter. I called and asked if I can make some sort of arrangement. They told me I can make a XXXX $ payment and the offer was only good untill the end of the month of XXXX. To hold the offer I would need to provide a debit card. I provided a pre-paid card to avoid any theft. I got a notice 3 days later that the company was trying to take XXXX $ from the card. They contacted me quickly when it didnt go through threatening me that if I didnt Give them the money there would be problems. I told them that they lied and I will not provide XXXX $ and they started using profanity making threats asking for the money. They started to contact family members letting them know they need to Collect my debt making threats as well to them. They claim they know where I live and they arent scared of coming to my house. Im tired of contacting them and would just like to resolve this to never talk to them again.
Consumer complaint received 2023-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also states consumer reporting agency can not furnish in account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose of
Consumer complaint received 2023-02-25
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. (CA)

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website.

Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX  Balance : {$590.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery is constantly harrassing me calling my phone all hours of the night stating that I owe them money, which I told them that I do not and I believe someone close to me could have used my identify and I ask ed them to validate this debt and to show me my signature on credit application documents which they could not provide me.
Consumer complaint received 2019-12-11
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. (GA)

THE FOLLOWING ACCOUNTS HAVE BEEN OPEN BY WAY OF FRAUD DURING A DATA BREACH I HAVE SENT IN A FTC REPORT TO REMOVE THE ITEMS AND BLOCK THEM THE FOLLOWING ACCOUNT IS : XXXX XXXX  XXXX ACCT # XXXX THE FOLLOWING INQUIRIES ARE : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX   XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX