davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AZ)

On XXXX at XXXX, our payroll processing entity sent the following email to me with respect to my split payroll check ACH deposit ; Co : XXXX Dear Client, We just received notice from our bank that funds in the amount of {$25.00} were returned to us. These funds will be returned to your company bank account. Please be sure to check the direct deposit setup prior to sending over your next payroll. 
Employee ID # Return Description Bank Account ( Last XXXX ) Routing # Amount Deposit Date XXXX Account Closed XXXX XXXX {$25.00} XX/XX/XXXX Sincerely , Finance Department. 
Phone # : XXXX Fax # : XXXX Upon review, I discovered it was my Wells Fargo Checking account in which I deposit, XXXX XXXX {$25.00} into my checking account with Wells Fargo. 

At XXXX AM on XXXX I contact Wells Fargo customer service at XXXX and spoke to CSRXXXX " XXXX XXXX who stated a new law went into effect on XXXX that all dormant accounts with NO activity for XXXX years would be closed based on Escheatment Law, ( sp? ). I stated that a XXXX-XXXX  deposit of {$25.00} has occured for the last XXXX years into this account and various withdraws have been complete twice for the year XXXX, how is this account considered inactive? The CSR did not know, I asked to escalate my call to a supervisor. The csr did at XXXX XXXX on XXXX. 

I spoke to XXXX next, who represented to be the supervisor. She asked if I would like to file a complaint. I state, please, as I am missing close to $ XXXX in my checking account which seems to have vanished. She was puzzled why that happened and stated that she was not able to take that complaint. She then transferred me to another CSR, " XXXX '', this time. This call was transferred at XXXX on XXXX. 

XXXX stated that this should never have occured and that the funds were still with Wells Fargo and were not turned over to the state of Arizona unclaimed property division and that it would take until Friday, XXXX to have the account re-opened and my funds available. It is XXXX AM on XXXX and my account and funds are still not available and the account is not open. 

Should a national bank, federal chartered bank, notify a customer of the intent to close a consumer account that has been open since XXXX, when the bank was XXXX XXXX? How is a bi-weekly direct deposit of {$25.00} not activity to keep the account current?
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (MA)

Resurgent Capital Services is reporting a balance and changed " included in chapter XXXX '' To seriously past due Sent to Attorney. 

This account was included in my discharged chapter XXXX bankruptcy filed this XX/XX/2021.
Consumer complaint received 2023-05-12
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. (TX)

Hello, I filed complaints # XXXX and XXXX on XX/XX/2022, since I couldn't view my credit score in my XXXX XXXX XXXX application . And then they let me see it. But now they've done the same thing, and I can't view my credit score anymore.

Thanks!
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion is reporting fraudulent hard inquiries on my credit report, I have not authorized these hard inquiries, I request an investigation to be made about these hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
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. (NY)

In accordance with the FAIR CREDIT REPORTING act. 

By reporting the account below you have violated my federlly protected consumer rights to privacy and confidentiality and by reporting LATE PAYMENTS WHICH IS CONSIDERED TRANSACTIONS on my credit report XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 2 it also states a cunsumer reporting agency can not furnish account without 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 item of information, other than records of convictions of crimes which antedates the report by more then 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.

UNDER 15 USC 1681 section 602 A.

States I have the right to privacy UNDER 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 consent UNDER 15 U.S.C 1666b a creditor may not treat a late payment on a credit card account under a open end consumer credit plan as late for any reason UNDER 15 USC 1681a Paragraph ( 2 ) Exclusions.the term consumer report DOES NOT INCLUDE ANY!!!!!!

( i ) report containing information solely as to transactions or experiences between the consumer WHAT DO TRANSACTIONS MEAN?

A bank transaction is any money that moves in or out of your bank account. Types of bank transactions include cash withdrawals or deposits, checks, online payments, debit card charges, wire transfers and loan payments.

( 1 ) REMOVE ALL NEGATIVE ACCOUNTS ( 2 ) REMOVE LATE PAYMENTS OFF MY CREDIT REPORT AT ONce
Consumer complaint received 2023-01-15
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. (AR)

To whom it may concern :. I received a copy of my credit report 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 can't 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 XXXX XXXX and XXXX 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 on my accounts that I have circled or an x by please provide that the items are reporting correctly from the Courthouse and not a third party, investigate if every piece of information is correct, and investigate and see if every piece of information is correct reported on the late payments and collections, and if all items are not reporting100 percent accurate, please remove them. One more thing I also read where I can get the updated report after you investigate this from the 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 investigation outcome to be sent to my mailing you all have on file where my free credit reports where sent to me. Thanks I will upload my documents. I tried to upload documents but it would not let me select all of them so I will mail documents in first thing Tuesday morning by certified mail with a return receipt requested Thanks
Consumer complaint received 2023-01-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NY)

I started paying to XXXX XXXX XXXX : LVNV FUNDING LLC in XXXX of XXXX, While dealing with them at first they were not reliant when it came to taking the money out at first so I resorted to paying manual and keeping a record of all the mailings I got from them. But as I started paying them I noticed that the remaining amount owed is not reflective of the actually amount that i should owe. In fact, the amount still owed hasn't move at all in the last XXXX months! I mentions this and called them a few times to tell them that their information was inaccurate and they kept saying that their online systems are slow to update! I can understand a few days but just doing basic math should show that in fact, the amount should be closer to XXXX dollars still owed not XXXX! 

Original Balance : {$3500.00} False Current Balance : {$2900.00} Actual amount that should be owed : XXXX Dates of payments : Payment History XXXX {$25.00} XXXX {$110.00} XXXX {$110.00} XXXX {$93.00} XXXX {$25.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} XXXX {$110.00} pending payments : Pay Date : XXXX Amount : {$110.00} Total : {$110.00} Last time I called was today XX/XX/XXXX
Consumer complaint received 2023-01-21
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. (FL)

This is XXXX XXXX and I am submitting this CFPB Complaint to you today to inform you that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX 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 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 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 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-22
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. (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. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, 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 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 2023-01-21
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. (AL)

My name is XXXX XXXX XXXX..I 've been fight the credit bureaus for the last 3 years I was in a data breach with XXXX.. and XXXX XXXXXXXX who ever the person is they have my social security number and they still use my social security number apply for things. Mess my credit up..
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a checking account online with Truist, I received a letter a few weeks later that said they were closing my account and returning my deposit. I have called several times to their customer service number asking for the account to be fully closed and my deposit returned, I was told they were unable to close the account, talked ti a supervisor and they transferred me to another department and after holding for almost an hour, it was a wrong department. I was told ti go into a physical location. I went into a branch in XXXX Fl to close the account and get my deposit back, I was told they were unable to close the account and couldnt refund my money and that Truist had charged me account fees, that couldnt be refunded. They said their fraud department internal numbers were down and they couldnt do anything. Said to come in an another day to try again. This is unacceptable, I deposited {$50.00} in the account, they semi closed it and now are charging me {$12.00} a month for an account that I cant use. I requested an official complaint to be filed both on the phone and in a branch, but wasnt taken seriously.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I've accepted an american credit card offer, after reading the terms, i was certain that XXXX XXXX XXXX XXXX were eligible to have their annual fee waived. When the annual fee kicked in in XX/XX/2023, i sent in a second application for my military benefits. I've never received any email confirming nor deniying my request. I called customer service multiple times, and each time they would tell me a different story and none of them could help .i ended up closing my account in XXXX for lack of transparency, but amex still want me to pay their XXXX $ annual fee and do not want to honnor their offer to an XXXX XXXX XXXX
Consumer complaint received 2023-01-15
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. (GA)

XXXX XXXX, AND EQUIFAX ARE REPORTING FRAUDULENT  ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS.

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 2023-01-15
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXX  account. XXXX XXXX XXXXXXXX XXXX account. XXXX XXXX account. XXXX XXXX XXXX account. 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 2022-11-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under XXXX XXXX XXXX XXXX XXXXXXXX regarding your continued willful and negligent noncompliance. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your XXXX investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under XXXX XXXXXXXX ( a ) ( XXXX ). 
Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( XXXX XXXX XXXX XXXXXXXX ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXXXXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Thanks, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. These accounts has been reporting inaccurately.
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (FL)

I have reached out to Experian multiple times in regards to the following unauthorized inquiries listed below all within a day or XXXX of each other by both phone with the fraud department XX/XX/22 and certified mail on XX/XX/22 my request have been ignored and method of permissible purposed was not given to me, even after I requested this. Experian is in violation of my FCRA rights and its damaging my credit. Thus, I am requesting the following inquiries and dates requested below be removed immediately from my credit report. 

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 2023-05-12
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. (CA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
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. (FL)

EXPERIAN refuses to acknowledge that the XXXX XXXX XXXX XXXX account attached to my credit profile belong to another persons bankruptcy. 

This account does not belong on my credit report. 
This same account was disputed with XXXX due to the fact this account is on my family members bankruptcy and was deleted immediately. Experian should follow suit due to this information hindering my credit score. 

FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (FL)

I have been requesting, since XX/XX/2021, verification of this alleged debt that TARGET TD claim I owe and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the Credit Reporting Repositories and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet they failed to do so for me... why is that. They never send documents to validate it