davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

I have reported this type of occurance of fraud on Wells Fargo debit card checking account and my allegations include corruption and collusion with major stock holders and XXXX XXXX and/or XXXX XXXX XXXX XXXX XXXX XXXX and or XXXX XXXX XXXX and XXXX people internally at Wells Fargo XXXX XXXX fraud department. Due to the events that I have already reported in my previous calls and reports to XXXX XXXX XXXX XXXX Customer Service at Wells Fargo and my emails to FBI. Once again today, there was a reordering and reposting of authorized pending transactions. On XX/XX/XXXX I made a purchase for either {$4.00} or {$4.00} at XXXX XXXX and that left {$0.00} in my account. I verified my account balance yesterday from the phone in my hotel room that seems to be monitorired or tracied dialed and yesterday that verified my balance from XX/XX/XXXX and also XX/XX/XXXX. This morning there was either a balance of - {$2.00} and h there was not any {$3.00} charge from any service fees or debit card transactions on. Someone either deducted and changed the balance of my account through reordering of my transactions from what appeared to be either hacks on my RFID cards as I cut up my XXXX bank card yesterday and also while I was at Wells Fargo today I cut up my debit card ending in XXXX. This fraud the same fraudulent occurances on my wells fargo account has occured multiple times in many years and evident from people I have also reported as part of other FBI investigations and Social Security XXXX proceedings that include the XXXX named XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX of Wells Fargo himself and or others internally at Wells Fargo Fraud department people in the payments industry and people I networked with that hacked my computer and passwords accessing my accounts. There were ID theft issues from Wells Fargo that got wrapped up previously but they have not fixed their fraud problems. THIS CONTINUES TO COMPROMISE MY SAFETY AND SECURITY AND HAS ALSO CAUSED MORE HACKS ON MY PERSONAL DEVICES INCLUDING MY XXXX AND COMPUTER THAT IS A RESULT OF MY REPORTS TO FBI AND XXXX AND MY EMAILS AND LEGAL NOTICES TO XXXX XXXX XXXX, CHAIRMAN OF XXXX. THESE ALLEGATIONS ALSO INCLUDE THAT PEPOLE LIKE XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX AND OR THEIR AGENTS AND HIRED TECHNOLGOY CONTRACTORS OR AGENTS ARE ALSO INVOVLED FROM MY PURSUIT OF MY OWN BUSINESS IDEAS THAT I CREATED THAT I OWN THE I POSTED ON MY XXXX PAGES. THEIR HACKS AND FRAUD ON MY ACCOUNTS ARE VERY CONCERNING GIVEN HOW MANY TIMES THIS HAS OCCURED AND EVERY TIME REPORTED TO WELLS FARGO AND XXXX TREASURY CFPB, PLEASE MAKE SURE XXXX XXXX IS AWARE OF THESE AND ALL REPORTS I HAVE SUBMITTED REGARDING MY WELLS FARGO ACCOUNTS AND MY XXXX AND XXXX ACCOUNTS. REGARDS, XXXX XXXX XXXX ]
Consumer complaint received 2023-10-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX and XXXX I tried to call the branch multiple times to ask simple questions regarding my account and the ability to change dollars to euros for a trip and if the euros needed to be ordered in advance. I tried calling multiple times over an hour and they did not answer their phones. I went to the bank and they told me that I had to order euros so they were unavailable and therefore I was unable to get the exchanged money in the timeframe I needed. I was also unable to order the euros in advance over the phone creating the need for me to go to branch two times.
Consumer complaint received 2022-12-19
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. (PA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXXXXXX {$200.00}
Consumer complaint received 2022-06-01
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. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report
Consumer complaint received 2022-06-01
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. (AR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  Account # XXXX, DEPT OF ED / XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX, ACCOUNT # XXXXXXXX XXXX XXXX  Account # XXXX DEPT OF ED / 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
Consumer complaint received 2020-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have received confusing and contradictory information regarding my repayment options. I tried to resolve this on multiple occasions without success ( lack of communication from my servicer, FedLoan Servicing ). My bill then increased by over 100 % ( approximately 3,000/month ), still without any communication. 

I have been in the IDR plan for many years. My income increased this year, and when I went to recertify, I was told that my application was on hold. Here is a timeline of events : XX/XX/2019 I received an email notice that I need to recertify my IDR XX/XX/2019 I received email confirmation that my IDR request was received. I was informed it was on hold, and that I would receive additional information after XX/XX/2019 when my final payment posted. 

I never received this email. I logged into my account in XXXX and the progress of my request said " denied. '' This message was present : " We were not able to process your recertification request for your IDR plan. A letter will be sent detailing the reasons that we could not approve your request and next steps if you think this information is incorrect. This letter never arrived. 

I never received this letter. 

XX/XX/2019 I sent an email communication asking for more information. A day later, I received a letter stating that I would remain in the IBR plan, and that my payments would be ~ $ XXXX/month. At the same time, the next balance statement for me stated I would owe ~ $ XXXX. I did not receive a reply to my email inquiry about this. 

The bill stayed at XXXX despite my email request for more information, and I was charged XXXX ( approximately 50 % of my current monthly take-home pay, and about 25 % of my household income ). On top of that my outstanding interest was capitalized, presumably because I was changed into a new plan? 

I completed my paperwork ahead of time, and tried on multiple occasions to figure out the problem. I received no direct communication despite my attempts at email, and as a result of the inability to resolve the problem had a massive jump in my monthly payment as well as a capitalization of my interest. 


A second complaint, though more minor is equally frustrating. A loan repayment assistance program to which I replied requested a " total payoff balance '' statement from my servicer. I sent 5 emails over two weeks requesting this, and never received a single response. The deadline from the assistance program has now passed, and it may affected my eligibility for assistance.
Consumer complaint received 2022-10-14
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$740.00}
Consumer complaint received 2022-06-01
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. (AR)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXL XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX / XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX / XXXX, has violated my rights 1

5 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 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was NEVER late on my Bank of America account. I had the account paid to zero and was on a paperless billing cycle. The information on my credit report that has been reported by B of A is causing financial harm to me as a consumer as it's effecting my ability to obtain financing. It is INCORRECT. I have exercised my rights under the FCRA and have disputed this four times with XXXX XXXX, XXXX, XXXX AND B of A without any correspondence of any kind. I have not received any verification of accurate info. I am disputing this information as it contains erroneous AND unverifiable info that has caused severe damage to my credit worthiness. Please investigate and remove this inaccurate info. I was NEVER late on this account.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I filed a dispute with Experian for a Fraudulent Charge off from XXXX XXXX, in less than 24 hours they came back with a denial of my dispute when I was able to prove through my payment history that I called in and paid off my account and XXXX kept my account open for 3 years without notifying me stating I owed one more payment then tried to get me with late fees and interest. on XX/XX/year> They provided me with the payoff amount and I gave them approval to pay it off and they took that amount from my account. Then they tried to tell me 3 years later I never paid it off. I requested telephone transcripts from XXXX which I know they have because they told me I was being recorded when I called in to pay off the account, but they refused to provide me with transcripts as requested. Experian did not investigation into this as i would have required someone to have read through these documents past XXXX on a Friday evening. This was not properly investigated and they just denied my dispute and there was no way they investigated this dispute.
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am trying to view my credit scoring and report, but the Reporting agencies are attempting to charge me to view my information, although its supposed to be free.
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I applied for auto refinancing through Bank of America to refinance a loan held by another lender. I applied for this loan online and was initially given a message saying they needed more information. I have a fraud alert on my file, so this is quite common and I am used to it. 

The following XXXX  I get a call from them but I missed it. I called back, and resolved the hold on my application by verifying my identity. Shortly after, I get an email and an automated call saying I am approved. The automated call connected me with an agent whom went over the APR, payment amount, and other terms of the loan with me. I was also sent an email with a link to start uploading the necessary documentation. About 25 minutes into the call, I was informed that they were unable to verify my identity and had to give me an adverse action notice. 

I was extremely confused because it was my understanding I had verified my identity. I had also already been given terms, and official approval documentation. 

I spoke with several other agents who informed me this was a final decision and I would have to reapply if I wanted to be considered. One agent informed me that this was due to the fact that I was not already a Bank of America client. However, this was false. I have a previous active auto loan account with them. 

They will not honor the official terms and approval I was given and told me I would have to reapply. This would put another unnecessary inquiry on my credit file and require me to go through the process again. With no guarantee the same thing wouldn't happen again.
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (MD)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-01
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. (NC)

This account does not belong to me. This account is fraud. Please delete it immediately. XXXX claims funds was dispersed into an bank account I NEVER owned. I have included my FTC Report and notified XXXX.
Consumer complaint received 2023-04-19
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: LEXISNEXIS (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

the Fair Credit Reporting Act ( FCRA ) is codified at 15 U.S.C. 1681 et seq.

Section 1681e of the FCRA sets forth the requirements for accuracy in credit reporting, and includes provisions related to the reporting of bankruptcies. Specifically, subsection ( b ) of Section 1681e states that a credit reporting agency may not furnish a consumer report containing information on a bankruptcy case that is more than 10 years old.

Additionally, Section 1681i of the FCRA provides consumers with the right to dispute inaccurate information in their credit reports, including information related to bankruptcies. The credit reporting agency is required to investigate and correct any inaccuracies found during the dispute process.

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-01
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)

already tried to fix the probelm with experian.they are not responding to my correspondence in the mail I am a victim of identity theft and there are unauthorized, unidentified inquires on my credit report from identity theft. 

block and remove the following inquiries that are from ideneity theft from my credit report Experian Inquiries XXXX OF XXXX XX/XX/2022 inquiry Date XXXX CARD XX/XX/2022 Inquiry date XXXX BANK XXXX Inquiry date XX/XX/2022 2022