davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I have been a Wells Fargo customer since approximately XXXX. During that time I have had checking and savings accounts the entire time. I have also had my school loans through Wells Fargo which were paid off in approximately XXXX. I also had multiple home loans between approx XXXX and XXXX. 

I have become aware that there is a consumer lawsuit that has been settled which affects customers of WF during this time period that had various accounts and loans. Obviously since I had many types of accounts during the time period in question, Id like to find out if this affected me at all and if I am owed anything to correct the issue. 

I do not feel comfortable supplying my account number. I will supply my current address which Wells Fargo has listed for me currently and they can look up the account numbers and loans associated with my name.
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WA)

XXXX  charged me for a service they didn't provide they put the money back in my account Citi group still charged me I contacted them they claim XXXX is still trying to claim That's a LIE.I HAVE CONTACTED CITI CARD THEY CLAIM SINCE I HANDLED IT MY SELF I HAVE TO HANDLE IT!!!! I demand CITI SEND ME ALL TRANSACTIONS SINCE XXXX TO XXXX TRANSACTIONS.I can prove BEOND A REASONABLE DOUBT I DON'T OWE THIS.I HAVE WASTED OVER 5 HOURS WITH CITI DISPUTING THIS MATTER THAT TOOK ME 2 MINUTES TO SOLVE!!!
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 : 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 2022-06-06
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. (TN)

In accordance with the fair credit reporting act and Title 15 Annotated commerce and trade .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Us dept of edXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXDept of ed # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. its also states a consumer reporting agency can not furnish a account with out my written instruction.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IL)

Any time I use my debit card for XXXX purchases or at a store. basically any time I make a purchase that doesn't require me to enter my pin number to make a purchase. the transaction shows as credit transaction. Even though it's a credit transaction the money comes out of my account Immediately. But Wells Fargo transaction will show as pending till transaction post days later. So if account goes into negative before those pending transaction post I get charged XXXX overdraft fees for each transaction. Even though my account wasn't negative at time of those transaction and even though the funds were available and deducted from my account.
Consumer complaint received 2020-01-04
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: ID Analytics, Inc. (NY)

This company sagestream, never heard of reported to XXXX XXXX XXXX, made up info about my credit, such as consumer associated with too many phone charges, and that balances on credit limits too high, where are they getting information, and then to top it all off they said my credit score was XXXX what is this at the time my score was XXXX, something no right they need to be investigated, who are they, now Im denied a credit card at XXXX, and I have a account already with XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-10-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: OneMain Finance Corporation (NC)

Earlier in XXXX I received a summons on behalf of XXXX and financial from the XXXX XXXX XXXX. This summons told me that I had a specific amount of time in order to answer some allegations against me. When I went to file my answer, I spoke to [ redacted ] on XX/XX/2022. 
[ redacted ] went over my options and let me know they would prefer me to not file an answer, and that they would wait for the default motion. 
I stopped [ redacted ] and let her know what that means. The term motion to default. 

I asked her if [ redacted ] meant for me to not respond to THEIR initial motion towards me ( which they openly told me I would be paying for ), so I would fall guilty towards any prosecution immediately. 

[ redacted ] stopped and laughed nervously at me and said, well no not exactly there is a lot of legaleses. 

I think you know as well I do this is false information. 

I worry not only about myself in this circumstance but anyone who may not be financially or legally savvy to catch someone lying about finances or legaleses. 

I think she was trying to weave a tale that default meant something different that may have worked on previous accounts. Please stand for justice. I cant imagine Im the only one.
Consumer complaint received 2020-01-04
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

It is being reported by all 3 bureaus a charge off of {$240000.00} from XXXX XXXXXXXX XXXX. It is benig reported by Experian and XXXX  as a " charge off '' and that the account i question was closed XX/XX/XXXX yet months following there is no data until XX/XX/XXXX they state a last payment and XX/XX/XXXX a 1st deliquency. For years XXXX and XXXX they report " no data '' then pick up in XXXX CO which means charge off and have continued to present. 
I have submitted multiple disputes only to receive a message that the account has been verified and that it belongs to me. Well the problem I have is ; I have spoken to a XXXX XXXXXXXX XXXX representative from the number that is provided. They have NO record of me or the debt nor have they been reporting according to this representative the other day and have opened an investigation, report # XXXX. 
It is my opinion XXXX and Experian are self reporting perhaps for personal gain, but it is now become noticeable this is harassment. I also disputed this information with XXXX and they have since " removed '' this from my credit report. 
This information is causing me financial harm and have been denied loans which I needed to purchase a home. Now they have changed this information to closed v/s charge off which from their description a " closed ' account can remain for 10 years v/s 7 years for a charge off bad debt, late payments. This has now reached the 7 years.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Contract Equifax about a charge off account that they are still showing a balance and past due amount. Try to explain to them you cant have a balance or past due amount on a charge off account. Its showing like this every month XXXX they drop my credit score by XXXX points just for disputing the account. I ask how verify and closed investigation after 2 days saying creditors verify information and will not remove account information.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (PA)

I am in the middle of year 2 of my chapter XXXX. Flagstar purchased my mortgage from my original lender. My mortgage is being paid by my Chapter XXXX  Trustee. They have been doing this since the beginning of my Chapter XXXX.

Since flagstar purchas
ed my mortgage they have been sending me 2 notices a month ( both acknowledging my Chapter XXXX  ). One on available resources to change my payments, and the 2nd one an invoice for the delquency.

Today I received a certified letter stating that it an attempt to collect this debt. I still have 19 months before my discharge.

Is there anything I can do about this harassment? Flagstar bank is the only one of my creditors that is doing this.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

RE : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and Equifax. 

I understand that Equifax has some problems recently where they were incorrectly reporting a significant number of peoples Equifax accounts; thereby denying them credit or driving a credit score that drove their score down. 

I was denied credit by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. My credit score with Equifax, at the time I applied for the loan was over XXXX. As the declination letter from XXXX XXXX describes my Equifax FiCO score of XXXX was the reason for declination. The difference between the score reported by Equifax and XXXX XXXX is a significant difference. Equifax also sent me a notice that they changed the recipe to develop my FICO score. This sounds fishy as their score is the bedrock of the credit industry and they changed the recipe to cook a different brew of XXXX. 

I believe that Equifax reported my credit incorrectly and I want the CFPB to investigate this in lite of their changing their recipe and their failure to report correctly. 

The attached letter is a copy of what I sent to XXXX XXXX. This outlines my primary issue with XXXX XXXX and Equifax. XXXX XXXX XXXX has not responded to my letter. 

Additionally, I also believe that XXXX XXXX has discriminated against me, violating my rights by using my age to lower my score on their non-published criteria. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 2023-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2019-11-30
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 had an accident and was in hospital for XXXX .At some point I called XXXX XXXX   to make payment and after s battery of questions was told that my account was frozen because I was noted to be deceased. I have since had my account active and made current payments but the negative reports to Credit Bureaus should be removed.
Consumer complaint received 2022-10-16
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. (ID)

Falsifying information on my report : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX XXXX BANK XXXX A Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

I called them about a cashier check ask them to check them numbers on it and they said it was good and I deposited it the next business day my account was closed saying it was a fake check after I asked them to check the check my account was under XXXX XXXX but Ive remarried now so have new name
Consumer complaint received 2024-03-14
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. (IN)

In accordance with the Fair Credit Reporting Act this creditor XXXXXXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) has violated my rights. 
15 USC 1681 section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Consumer complaint received 2022-09-05
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 2020-01-04
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. (DC)

I consistently have problems with Transunions website tool to freeze and unfreeze my credit file. This time they've locked my credit file based on their random questions ( they give you three when you call in ). First, I could barely understand the representative and after he spelled out the random question optional responses I was so focused on not understanding him I did not realize he gave me an option that wasn't the creditor but indeed the title company. Nobody knows the name of any company they get credit from except the brand through which they apply. These people should have there things tied AND since I have spoken to four people thus far, the latest which tells me the office I need to help me isn't open until Monday, none of which speaks english as a first language and is difficult for the untrained ear to cut through the accents. Transunion is the only company I have a consistent problem with and I've had to lift the freeze for a recent refinance and experience this clunky process. Even if I do not have my pin for the other two there is a simple way to recover because their websites work - they do not ask me questions, my social security number and birth date and then return a website response that states : " The TransUnion Credit Freeze Service is temporarily unavailable.

Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, open Monday through Friday, XXXX a.m. to XXXX p.m. Eastern Standard Time. 

Then you call them at XXXX Friday evening and they are not on duty AND I have no way of requesting a new PIN mailed to me until I speak to that department rather than request online. Who manages these online process?