davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account, 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
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I extend my gratitude for your efforts in addressing some of the fraudulent entries on my credit reports resulting from an alleged identity theft. I appreciate the time and attention you have dedicated to this matter. However, there remain unresolved items that require immediate attention and removal. I kindly request XXXX Credit Bureau to address the following outstanding items, previously unattended in my prior complaints. For your reference, I have listed the relevant details below. Additionally, I've included my FTC Report # XXXX for your comprehensive understanding : -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- XXXX -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$37000.00} XXXX XXXX XXXX -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- TRANSUNION -- -- -- XXXX -- -- -- -- -- -- -- -- XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$37000.00} XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. This formal complaint serves as notice that the failure to eliminate these specified items from my credit report may lead to legal action. I have informed my legal representative of my intentions, and they are prepared to address any willful noncompliance.
Consumer complaint received 2022-10-04
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. (DE)

ALL XXXX AND XXXX XXXX ACCOUNTS ARE FRUAD AND NEED TO BE DELETED IMMEDIATELY THANK YOU FOR YOU HELP ACCOUNTS : XXXX XXXX XXXX ACCOUNTS : ALL XXXX XXXX
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc. (AR)

On XXXX XXXX 2023 I tried to buy a drink and get XXXX dollars XXXX at XXXX using my XXXX direct Debit card. The debit card is provided by XXXX through the company Payfare for earnings and debit usage. The XXXX took my entire purchase of {$37.00} off my balance and didn't give me anything. The XXXX XXXX named XXXX made sure that XXXX didn't have the money and tried to talk to XXXX on the phone to explain and they hung up on her. 

I've been trying nearly everyday to get help and they keep hanging up on me. I'm homeless, and XXXX is an anti-American scam used to persecute poor and disabled people. XXXX XXXX to me, XXXX XXXX to be held under water .... Then stolen from in early XXXX. XXXX years now. I've never had disability assistance for a severe XXXX that I've asked everyone for help with. So, homeless I have to eat bullets at the rate of {$37.00} dollars a pop or more... 

Not to mention last XXXX jobs I attained stole from me before making it to the end of the first pay period. You all drown XXXX people 's. Worst of all, I was XXXX by child abuse from doctors and society .....
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

Hi my name is XXXX XXXX i had an auto loan with Wells Fargo. My car at one point during my loan was repossessed due to non payment which was incorrect, i proceed to get my car out pay all the fees and whatever wells fargo said i owed to them which totaled to almost {$4000.00} and My payments after that still were Either off or were not applied correctly. I took the auto loan out in XXXX and just recently paid off the vehicle.
Consumer complaint received 2023-03-01
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. (TX)

I disputed all the the following incorrect information below with the following credit bureaus : XXXX, XXXX and Experian. All three have not responded or corrected the errors on my credit report. Its been over 90 days including follow up letters with no response. 

XXXX 1 ) Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX 2 ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX XXXX ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) XXXX. XXXX XXXX XXXX XXXX, VA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2 ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) 1. XXXX XXXX, two late payments XXXX. XXXX XXXX XXXX XXXX, one late payment 3. XXXX XXXX  4. XXXX XXXX XXXX XXXX ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX - XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX - XXXX XXXX EXPERIAN XXXX ) Disputed incorrect address placed on credit report. Refer to 15USC i666B ( a ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Disputed late payments illegally placed on credit report. Refer to 15USC i666B ( a ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX ) Disputed accounts older than 7 years. Refer to 15USC i666B ( a ) XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  ( three inquiries ) XXXX. XXXX ( two inquiries ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (RI)

I am working on applying for a mortgage. The lender is unable to pull my credit report from Experian and XXXX. The lender is however able to pull my credit report from XXXX. I have worked extensively with both Experian and XXXX to verify all of my information is correct, ensure there are not holds or freezes, yet the lender is still unable to pull my credit. I have verified all the information my lender has is correct. Neither Experian nor XXXX have made any effort to help me resolve this problem but it is clearly something wrong with their system.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The accounts listed below has violated my federal and protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXXXXXX ( 3 ) Account XXXX  XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX 15 US Code 1681a ( 2 ) ( B ) states that the term consumer report does not include any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

15 USC 1681 Section 602 A states i have the right to privacy.

15 U.S. Code 1681s-2 ( a ) ( 1 ) Responsibilities of furnishers of information to consumer reporting agencies. It is the duty of the furnishers of information to provide accurate information.

1 ) PROHIBITION ( B ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer reporting agency. If- 15 US Code 1666b states a creditor can not treat a payment on a credit card account, under an open-end consumer credit plan as late for any reason.

2021 IRS publication 4681 states '' Charge Offs '' when placed on a consumer report is defined as a gross or ordinary income. Income does not get reported on the consumer report which is in fact is what you are reporting as inaccurate information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is my final opportunity to Cure and DELETE This Erroneous, Inaccurate account from my Consumer Report.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account Name : US DEPT ED : Account Number:XXXX Account Name : US DEPT ED : Account NumberXXXX Account Name : US DEPT ED : Account NumberXXXX Account Name : US DEPT ED : Account NumberXXXX Account Name XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX has violated my rights. Or 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 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX CARD These was not done nor was it approved by me please have them deleted off of my credit report
Consumer complaint received 2023-01-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (FL)

On XXXX/XXXX/2022 I opened an amex high yields savings account in order to use as a life savings, depositing 20 % from my my at the time job into the account. I left the company for a better opportunity which unfortunately was terminated due to my recruiter failing to properly process my onboarding, and in preparation for bills I attempted to withdraw my money from the savings. Without informing me they cancelled my withdraw and closed my account. I had been trying for weeks to get my money back and they keep refusing to mail me a check and state I must contact my former employer to reverse the funds. All contacts to my previous employer has proven unsuccessful. They refuse to listen and refuse to return my money. Apparently me depositing my own direct deposits under my name and then attempting to withdraw to a different account under my name raised fraud concerns and they are refusing to give me my money. I needed that money for my long overdue credit cards and bills and this bank just made the beginning of the year a living hell.
Consumer complaint received 2024-02-22
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. (OH)

I recently reviewed a copy of my credit report these last two months and i noticed that I've had numerous fraudulents accounts on my report. Please remove these accounts from my report as they are hurting my ability to obtain credit. These accounts keep getting reported by a third party company and keeps reopening and closing these fraudulent account which keeps causing my score to fluctuate. 

Please Remove These Illegal Items off my credit report. Please and thank you! 


XXXX XXXX XXXX {$1200.00} XXXX Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX {$840.00} XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$150.00} XXXX Date opened Date Opened : XX/XX/XXXX Highest balance {$360.00}
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

All three credit bureaus, XXXX XXXX, XXXX and Experian have failed to change XXXX account balance to XXXX. Pain in full. I have requested that XXXX send updated information to which they have refused. My loans were transferred to XXXX and now XXXX and XXXX are reporting a balance of XXXX a total of XXXX. I only owe XXXX.
Consumer complaint received 2015-08-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (PA)

I want to start by saying that I am very frustrated, because I am getting no help. Everyone is taking the situation lightly. I could have been embarrassed or worse arrested for this issue. I used an Wells Fargo ATM at the XXXX XXXX XXXX in XXXX. I withdrew {$340.00}, and was charged a {$3.00} dollar fee. this totaled XXXX. The machine distributed XXXX 4 XXXX - {$50.00} and XXXX 7 XXXX {$20.00} dollar bills. I am not a Wells Fargo customer and they are not willing to investigate, which I think is unfair. Whether or not I am a customer they put there product out there for non customers to use. Come to find out after giving one of the {$50.00} to my sister in law to make a deposit, it was fake. I can not let this issue go, I do not have money to give away, nor do I think it is fair that no one is sensitive to my issue. Counterfeit money is very serious, and I could have been arrested. I keep getting the run around stating that the atm does n't give out {$50.00} dollar bills but this day it did. I also know there is a ledger from day to day that shows the starting balance of the machine, and also the denominations that were in there. I am upset because I am being made to look like a liar, I do not need to go through all this aggravation for {$50.00} but it is mine. I also believe that if this situation goes unhand led there maybe other customers or non Wells Fargo customers who will experience the same thing.
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. (VA)

I received a copy of my credit report XX/XX/2023, disputes investigation updated XX/XX/2023 & again XX/XX/2023 updated report after disputes investigation again with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

Please investigate the following accounts and remove them if anything is missing or not correct on them.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Discharged bankruptcy & all accts included should state discharged through bankruptcy.letter attached.

Discharged bankruptcy Accts/Paid Account/Late Payments : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ( closed ) XXXX XXXXDept of Education ( in forbearance-good standing older loans transferred to this new student loan service company/ XXXX XXXX XXXX acct was paid in full due to this consolidation with XXXX XXXX 
XXXX ( closed acct ) Please investigate if every piece of information is correct. If not, please remove it from my credit report. Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed/closed if account open should be closed. 

I also read where I can get the updated report after you investigate this from tXXXX XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as well. I want the re-investigation outcome to be sent to my address.
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Pursuit, LLC (NY)

This complaint is not about repeated phone calls, but rather repeated information subpoenas to my bank and my job. On XX/XX/XXXX of last year, I was contacted by email by XXXX XXXX, Esq.at Asset Pursuit about a judgement entered against me in XX/XX/XXXX. I was coerced into signing it by an acquaintance, XXXX XXXX, who illegally rented his condo to me. When the condo board found out, they informed him he had 10 days to get the illegal tenant out of the building. I was behind on rent but I was making a good faith effort to get back on track. I wasn't evicted. During this time, XXXX XXXX harassed me with both the threat of XXXX XXXX XXXXXXXX XXXX. 

Asset Pursuit is XXXX XXXX 's third attempt to collect on this judgement. XXXX XXXX requested a complete record of my banking statements dating back to the first of the year. I complied. I also enlisted the help of XXXX XXXX XXXX XXXX because I am almost XXXX XXXX XXXX and XXXX. After I submitted all the documents, XXXX XXXX asked me what I could pay his client. My lawyer advised to state that I wasn't in a position to settle because my income barely met my expenses. 

Since the beginning of this year, I have received the following information subpoenas to my bank : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX an information subpoena to my job XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX That is a total of XXXX information subpoenas in less than a year, to a XXXX XXXX XXXX XXXX woman who works part-time. I would think by now that Asset Pursuit has a very clear picture of my finances. It must also be clear that I am not hiding assets. At this juncture, it is harassment and intentional infliction of emotional damage. I am asking that they be stopped. I am asking for my legal right to privacy. I am tired of being surveilled. This has been going on for almost a year. My income hasn't changed -- in fact it has gone down because Social Security reduced my benefits. 

Thank you for your time and patience. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received emails about applying for and being approved for a checking account that I did not request. I messaged with Bank of America about a separate account I have with them and the following day ( XX/XX/23 ) I started receiving the emails about the checking account. It is possible this was the result of a phishing attack in my email, but it seemed more likely that an account was opened without authorization by a Bank of America employee. I did not have any other fraud activity besides the opening of the checking account. Bank of America closed the account right away when I notified them.
Consumer complaint received 2023-01-14
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: The Savings Group, Inc. (CT)

the company shared my information with another company without my consent. obtaining my credit information and personal information such as date of birth and social without my authorization. I found out when XXXX sent an alert about my credit history. 

RATE GENIUS shared information to XXXX XXXX without my authorization.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Used a balance transfer offer on XX/XX/XXXX for {$5000.00}. Account was setup on auto pay to pay the balance in full so the balance was paid in full in XX/XX/XXXX. I called the bank, they refunded the amount that was paid & told me that balance will go back to the balance transfer offer. Unfortunately, the offer was not applied & I have been charged interest since XX/XX/XXXX. I have called the bank multiple times now but the issue has not been resolved.