davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT HAS BEEN INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS. 

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY.

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY.

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : XXXX. DELETION OF THE ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

When Portfolio Recovery Associates ( LLC ) first began calling me in XXXX, I explained that I did not know them or owe them or their people any money. I asked them nicely to stop calling me, but they call me all through the day-everyday.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I have been complaining to wells fargo since XX/XX/2022 that my money that is being deposited is disappearing Quickly covering overdraft fees. That should not exist because they are posting my deposits late. I called on the monthly basis since XXXX complaining that they even posted a XXXX deposit late Which should have been instant. I explained to them the text message I received says I have a certain available balance. But the website shows my deposits are pending.. And accounts that are ready for withdrawal. Are being paid With a negative balance because they are not posting my deposits on time. There were times that deposits were not posted until two business days later. Around late XXXX or XXXX a case manager was assigned to me while she reviewed my concerns. She came back telling me that I need to manage my money better. There were times that {$300.00} a month was going towards overdraft charges throughout the year. I did not realize this until XXXX that this was going on. 
I felt that wells fargo has been getting away with this because their website does not show Available balances accurately by each transaction. There was one time a representative told me by phone. I had a certain balance that was higher than what it said on the line of the statement. When I asked him to repeat what he said And explain the difference in what he sees on his in versus what i'm looking at all my all my statement He instantly choked up and just started to say things Based on what I was saying and not from His computer screen. I honestly felt I was not getting the help I deserved And he was just covering up the mistake.
Consumer complaint received 2022-09-09
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. (IN)

I was a XXXX XXXX and i didn't know anything about credit. Once I got older I realize that my identity was used which I do not understand how people can open any accounts in my name because i was not aware or present. Please see below accounts that were used without my permission or knowledge : DEPT OF ED/XXXX XXXXXXXX US DEPT OF EDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am submitting a complaint to the Credit Bureaus today to report that I have been a victim of identity theft. After conducting research on how to remove the fraudulent accounts from my credit report, I discovered that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. According to FCRA section 605b, Credit Reporting Agencies are required to remove any accounts listed on an identity theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is currently being posted on my credit report. The list of accounts that do not belong to me or were opened without my permission is as follows : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$24000.00} . I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. As per FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-09
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-15
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-28
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. (GA)

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  Account Number : XXXX Account Name : 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 2022-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CO)

My account was charged {$40.00} on XXXX at XXXX by a company that shows up as " XXXX Tx Verify '' with " XXXX., WY, XXXX '' as the description. Assuming the location is in Wyoming, as I've never heard of or dealt with this business. I am in and live in XXXX, Colorado, and had transactions literally 2 hours before this one at a XXXX gas station, where I put fuel in my wifes truck for the amount of {$45.00} exactly, which she sent me that same amount back to my account within 3 minutes. 

When I disputed the claim, XXXX  is now saying this is a " funding event '' for the fraudulent charge, even though clearly it was for the {$45.00} spent immediately prior. 

Now they're refusing my claim again after I asked for review from providing this information, questioning their competence and reading comprehension, stating it's denied due to " account history, spending history with the merchant/recipient, transaction data '' but can not, or will not, provide details of any prior history. 

My fraud claim is being denied again and I doubt they're even looking at it, because I was under the impression that if I didn't make the purchase ( clearly I didn't here ) I wasn't liable.
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First National Collection Bureau, Inc. (WI)

Closed on credit account back in 2012 and debt collector rude stating I owe and that they sent me documents and I never recieved. Charging me for debt over 10yrs old. that I already paid
Consumer complaint received 2021-07-31
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

someone unknown filed an illegal garnishment through social services. I am Mr. XXXX XXXX XXXX and the person or persons filed a illegal document that garnished my settlements from Wells Fargo bank XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX there is no power of attorney over me I suppose to receive 100 % of all income settlements inheritance and and all the money under my social security number they are forwarding my mail unauthorized and have no legal rights to my income or any financial money under my name they are breaking the law i havent received any in the last 5 years and further back Wells Fargo has the evidence I am trying to gain my financial independence I am single my only child is an adult these people are fileing faulse positions and telling lies Im trying to get them arrested and get a retrieval of all my income dating back at least 7 years I havent received any not even a tax return
Consumer complaint received 2022-11-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC. (NY)

Santander Bank. 

The bank has devious banking practices. I requested when I set my CD up that it not be renewed automatically. I was ignored. Subsequently, I was told all accounts are automatically set up with automatic renewal regardless and that this takes effect 7 days after the account is set up I want the money at the maturity date to be moved into my savings so I can get a better rate elsewhere. I was told that I am not able to take my money out of Santander unless I go into a bank OR have a notarized letter. 

Every other bank I do business with allows you to not have automatic renewal in the first place, and to close a CD out online. 

This is a way to discourage people from moving their funds out of the bank. There practices need to be investigated and fined. 

XXXX XXXX XXXX.
Consumer complaint received 2023-03-14
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: Spring Oaks Capital, LLC (IL)

My personal information was stolen in early 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate collections I have listed immediately, the following includes : SPRINGS OAKS CAPITAL LLC XX/XX/2022 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

I have been a victim of identity theft XXXX and Experian are still reporting these fraudulent/ inaccurate accounts on my credit report while XXXX has already removed them, how is that possible this needs to be removed immediately based on 15 USC 1681a ( 1 ) of the FCRA. 

First fraudulent account that is still reporting on XXXX and experian ( XXXX XXXX ) Second fraudulent account that Experian is the only bureau that is reporting, how is that possible? Experian has even removed then re-added this account, isn't that illegal based upon the FCRA? ( XXXX XXXX XXXX )
Consumer complaint received 2023-03-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. I have reviewed my credit report and found that the following information is incorrect and/or incomplete. Please investigate and verify the accuracy of this information as required by the Fair Credit Reporting Act ( FCRA ). 

US DEPT ED Account Number : XXXX According to my credit report, there is a negative item associated with this account. However, I would like to request that you verify the payment status, balance, comments, payment history, and account number, as they may be incorrect. If there is an error, please fix or delete this account from my credit report completely. 

XXXX XXXX Account Number : XXXX I have noticed that there is a negative item associated with this account. However, I have no record of ever being late with any of my payments. I am interested to know how you were able to verify something that never actually happened. I request that you remove this harmful incorrect data immediately from my credit file. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -This address is not correct. I request that you delete it immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- This employer belongs to someone else. I request that you delete it from my credit report immediately. 

The following personal information is incorrect Account XXXX : XXXX XXXX - This employer belongs to someone else. I request that you delete it from my credit report immediately. 

As per the FCRA law, I am entitled to a response from you within 30 days of your receipt of this letter. I kindly request that you complete your investigation and provide me with a written response within this timeframe. I also request that you notify all credit reporting agencies that you have contacted regarding these errors. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NV)

I received some texts and calls from phone number ( XXXX ) XXXX XXXX with pictures of my social security card and driver 's license. When I went to lock my credit on XXXX it showed that I had 4 hard inquiries to open credit that were fraudulent and lowered my credit score.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX  is incorrectly reporting to credit reporting agencies. I want XXXX XXXX to remove all accounts from my credit. I have warned this company before about the incorrect information reporting and it has not been removed and damaged my credit severely. I have been depressed about this and my health has declined due to the stress.
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (NV)

I made a payment to Continental Finance ( XXXX XXXX XXXX  ) on XX/XX/22 when I got my XXXX check and since I have had this card I have always made my payments to them every month but now they're harassing me for more by phoning, mail and email. I had to resign my job recently due to medical issues ( I worked XXXX XXXX XXXX XXXX  ). I send them what I can as my husband became XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and isn't able to work and has filed for XXXX so we're down to just my income which I receive XXXX every month. Sometimes I get my money early and when I do I send them their money. I have sent a written letter letting them know that I sent them a payment and that they're harassment is a violation of the fair credit practices act and for them to stop harassing me and that they will get their money when I get mine. Plus they're charging me outrageous fees and interest. I am doing the best I can.
Consumer complaint received 2023-01-23
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. (TX)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$810.00} ; XXXX XX/XX/XXXX.