davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I have disputed fraudulent charges made on my account on XX/XX/XXXX after I noticed the fraudulent charges that took place on XX/XX/XXXX. 

I told the Wells Fargo Claim representative VERY CLEARLY, that my phone and wallet were both stolen while I was out, my email was also hijacked hence why the email on the account has now been changed. My number was retrieved but my phone and wallet are still stolen. 

Wells Fargo denied my initial dispute claiming that these charges were not fraudulent and I in fact made the charges a few days later. 

I then went to the CFPB to receive my funds back. I received a letter from Wells Fargo stating " Claim XXXX was filed when we were informed that multiple unauthorized transactions posted to your account. Our claims department reviewed this matter and found the transactions were performed by you or someone with your authorization. Consequently, your claim was closed on XX/XX/XXXX. 
We have reviewed your claim information and we agree with the decision previously communicated by our claims department. There were multiple successful logins to your Online Banking session during the timeframe of the disputed transactions were performed indicating you were aware of the transactions posting to your account. 
Additionally, some of the disputed transactions were verified via email. Based on the above information, we are unable to pay your claim. 
While we realize the information provided may not alleviate your frustrations, we hope this letter serves to clarify Wells Fargos action about this matter. '' As I stated initially to the Wells Fargo Claim department when disputing the transactions as fraud, MY PHONE and wallet were stolen. The person who stole these items most likely used my phone and was able to access my email and all my bank accounts from the mobile apps. 

The response I received from XXXX at Wells Fargo is inaccurate and Wells Fargo completely disregarded what I initially told them over the phone when disputing my transactions. 

This will be the last attempt I try to retrieve my stolen funds before hiring an attorney. Wells Fargo states that we as the customers are " NOT LIABLE FOR FRAUDULENT TRANSACTIONS '' although it seems very clear that I am in fact liable for fraudulent transactions as Wells Fargo is insisting to make me liable for this entire claim.
Consumer complaint received 2024-02-14
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 hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. I am asking for your assisstance to remove these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-08-30
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. (IL)

n accordance with the Fair Credit Reporting act 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 2022-08-30
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: WELLS FARGO & COMPANY (AZ)

I was contacted my a XXXX agent in the beginning of XX/XX/2022 stating that my personal information had been stolen and used to open countless credit cards. with charges racked up on XXXX ( was contacted by them too ). I have a Federal Trade Commission agent and number that was giving to me. I wasnt sure if it was authenthic or fraudulent also. I was then contacted again mid XXXX 2022 about more credit cards being found in my name at the border of XXXX and Texas.
Consumer complaint received 2024-02-14
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. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Hello, Basically I have two credit cards I got while in XXXX XXXX in order to pay for a living, and I recently just graduated from college and both credit cards are maxed out and no matter how many payments I make the principal never goes down. Now, I assume Capital One and XXXX borrowed the {$4500.00} ish from the federal reserve at about 2 % interest, well I pay well over 20 % interest every month. I honestly have no clue what goods or services I even bought using my credit cards, but most of the money I spend goes right back into Capital One and XXXX. If my interest rate was capped at 10 % I think I would be able to pay them off. 

I also signed up for these cards before I was legally allowed to buy alcohol. So the government knows a XXXX year old is too irresponsible to not XXXX and XXXX. However, an XXXX year old is responsible enough to sign up for a credit card with 20+ % interest in order to " build credit. ''
Consumer complaint received 2020-02-21
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. (LA)

XXXX XXXX XXXX # XXXX is reporting a balance and several lates on an account that I do not owe and should not have. I returned this instrument in XX/XX/XXXX and was never informed there was still a balance on it. I thought it was auto draft and I never received any notices for an overdue balance. These lates are not my fault and I want them removed.
Consumer complaint received 2022-08-30
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: Experian Information Solutions Inc. (TX)

XXXX, XXXX, Experian I request verification of XXXXXXXX  they sent it to a fraud dept I never asked for never said fraud .In the letter their was nothing No contract nothing no verification validation NOTHING enclosed their letter
Consumer complaint received 2022-08-30
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. (TX)

XXXX, Equifax, XXXX I request verification of XXXX  they sent it to a fraud dept I never asked for never said fraud .In the letter their was nothing No contract nothing no verification validation NOTHING enclosed their letter
Consumer complaint received 2021-07-20
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. (LA)

I reached out to Equifax several times about these inaccurate collections that's reporting on my credit report.They sent me a letter stating they verified the information.they did not send me the original documents that was signed in which violates my hippa rights, At this moment I'm not threating to take legal actions against Equifax.I will because i have the paperwork to prove they have violated me as the consumer and made false allegations to keep this reporting on my credit report
Consumer complaint received 2022-08-30
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)

N accordance with the Fair Credit Reporting act 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 2022-08-30
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. (TN)

N accordance with the Fair Credit Reporting act 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 2022-02-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (AZ)

The AFFIRM INC with account number XXXX  appears to be a charge-off account with a specific balance of {$1100.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX XXXX. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Consumer complaint received 2017-09-01
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. (LA)

I 've contacted Experian numerous of times trying to get things solved and nothing is happening. I have the following inquires sitting on my credit report that I did n't authorize. 
1 XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXXXXXX ( XX/XX/XXXX) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX (XX/XX/XXXX ) 7 )  XXXX XXXX. (XX/XX/XXXX ) 8 ) XXXX XXXX XXXXs (  XX/XX/XXXX ) 9 ) XXXX ( XX/XX/XXXX 10 ) XXXX XXXX (XX/XX/XXXX) 11 ) XXXX XXXX (XX/XX/XXXX )
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 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 2022-08-30
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. (MI)

I received an alert that my credit score had dropped XXXX points. When I logged into the Experian system, there was no explanation for the drop. There was a text box that simply stated that the score can change with updated information and their attempt at creating a chat bot ( just an interactive Q & A flowchart ) was completely useless in getting the requested information. 

The dashboard shows no new inquiries, all revolving credit at {$0.00}, and automatic student loan payments normal.
Consumer complaint received 2022-08-30
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. (MD)

XXXX XXXX XXXX  Acct XXXX is in violation of my privacy 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 a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (FL)

The account in question is a Macy 's XXXX account ending in XXXX with Citibank. 

This account that seems to be in your office now was previously settled. 
We reached an agreement with Citibank in XXXX of 2018. The letter states that there would be monthly payments of {$740.00} beginning on XX/XX/2018 with a final payment of {$740.00} due XX/XX/18. This is a total of 10 payments, equaling {$7400.00}. 

According to our records, all payments were sent and cleared.. I've attached the screenshot of our system and the proof of payments with check copies as well as the original settlement letter that came in XXXX. 

We believe this is an error by Citibank as this account has been paid. Otherwise, the funds sent over must be returned to us immediately as they would not have been applied to the settlement as they were supposed to. All checks had the client 's name and the last 4 of the account number the funds were supposed to be applied to.
Consumer complaint received 2022-08-30
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. (TX)

To whom it may concern, I was checking my credit report and I noticed an unauthorized and inaccurate account. This account was not authorized neither through verbal nor written consent to be reported on my personal credit report. Furthermore, this account has blatant inaccuracies that is harming my well-being as a consumer. I have never applied nor authorized or knowingly shared my sensitive personal information with XXXX financial institution. I currently have XXXX commercial vehicle for an employee. I have no access to this company vehicle. I am currently seeking a personal vehicle for my transportation needs. XXXX 's negligence is harming my nearly perfect credit score. I am currently trying to obtain the vehicle I desperately need and deserve as a good consumer. I also am incurring several transportation costs with XXXX and hitching rides. This is harming my productivity. I care deeply about my credit. I have spoken with XXXX the consumer reporting agency who states that there was never an authorization nor written consent given. However, my sensitive personal information is being reported on my personal consumer report against my authorization. In accordance to the fair credit reporting act, 15 U.S. Code 1681b which goes over " Permissible purposes of consumer reports '' sub section a ) states : that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide written nor verbal consent and demand that this account be removed or that I receive restitution up to {$1000.00} as stated under the FCRA for the serious consumer damage I am going through. This account is affecting my debt to income and preventing me from qualifying for future purchases as a consumer. I do not have a personal vehicle. This account is being inaccurately and reported without permission.
Consumer complaint received 2022-02-24
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. (CA)

In Accordance to the fair credit reporting act XXXX XXXX Account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report
Consumer complaint received 2022-02-24
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. (CA)

In Accordance to the fair credit reporting act XXXX XXXX Account # XXXX violated my rights 15 usc 1681 section 602 A. I have a right to privacy 15 usc 1681 section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction and i am here to tell you that i never gave anyone permission to furnish anything on my report
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Back in XXXX XXXX XXXX  I had a bag stolen from me with my social security card, license, government ID, and debit/credit cards. Since than it's been an on-going battle of trying to stop the person from opening credit cards, loans, and unfreezing the security freeze I put on my credit with the 3 Credit Bureaus XXXX Transunion has been the biggest issue, the suspect was able to log into my online Transunion account and remove the freeze from my account. I asked Transunion to refreeze my credit and lock my account so that if I needed to make any changes I could just call and do it over the phone. This has not stopped the person from calling Transunion and just lifting the freeze again on XX/XX/XXXX. I noticed on XXXX.com that multiple financial institutions got my credit report from Transunion from XXXX XXXX XXXX XXXX. I once again called Transunion to reapply the freeze but again on XX/XX/XXXX the person removed the freeze from my Transunion account and again financial institutions got my credit report. I have just put the security freeze on my account again today ( XXXX XXXX ) but I'm expecting the person will remove the freeze sometime soon. I asked if there was any way I could have the phone number of the person who called on those days but Transunion told me they do not keep record of the phone numbers calling. I have had an on-going police report with XXXX since the initial incident in XXXX XXXX  XXXX but still have come to nothing. I'm an XXXX XXXX XXXX and am doing anything and everything I can to protect myself as best as I can. My job depends on the security of my credit as I have a XXXX clearance and credit plays a role into how they evaluate me. The police case number is XXXX.