davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (IN)

On XXXX 2021 I sent a Validation of debt letter to Wells Fargo which was ignored so I sent another one in XXXX, XXXX, and finally I emailed the validation of debt letter and I still have yet to hear back from the company even after they said it would be looked at. Its been 0ver 45 days since I made this demand and they havent responded back at all. I requested a cease and desist back in XXXX 2021 which they have violated by sending negative information to consumers reporting agencies. Ive also requested my rights to rescission paperwork as well and that request has been ignored. Ive received a threatening letter that my vehicle would be repossessed as well. My rights as a consumer and the original creditor have been violated. They have violated the truth and lending act.
Consumer complaint received 2019-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

When my mother passed away XX/XX/2019, I was notified that I became successor trustee of her Wells Fargo Living Trust Checking account. Wells Fargo would not allow me to access the account, until I had the death certificate. Once I finally received the death certificate I faxed it to Wells Fargo, and it took several days for the bank to process and allow me to gain access to the account. 

I wasn't able to view the statements until XX/XX/XXXX. That's when I discovered that several checks had been forged, totaling about $ 5,000.The latest check was cashed XX/XX/XXXX, for {$3000.00}, more than two weeks after my mother 's death. ( Even though I knew of my mother 's death, Wells Fargo refused to close the account until I had the death certificate. ) I notified the Wells Fargo Fraud Department immediately once the banks allowed me access and I read the statements and saw the checks. It took the bank two weeks to return my inquiry and finally a XXXX XXXX, check fraud specialist returned my inquiry. After about another two weeks of hearing nothing, I called him back at the check fraud department. My claim number is # XXXX. XXXX XXXX said that since some of the forged checks had dated back to XXXX 2019, that stopped Wells Fargo from any obligation to try and get restitution. 

Wells Fargo admitted that the checks were clearly forged. I think the bank had an obligation to not honor signature on the checks that were not my mother 's signature. Why even sign checks unless the signature is a valuable identification tool? Wells Fargo has a responsibility to verify the authenticity of such forged signatures that are easily identified as fake. Now that my mother is deceased. This is theft from her estate. 

Wells Fargo is supposedly conducting a criminal investigation. On XXXX XXXX, a XXXX XXXX, financial crimes consultant at Wells Fargo e-mailed me about her concern about the forgeries. She said she had nothing to do with Wells Fargo 's position on refusing to make any restitution for the forged checks. XXXX XXXX 's number is XXXX. Her address is XXXX. 

This is another example of how Wells Fargo is addicted to its red tape rather than truly helping its customers.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have all my accounts with the same name and address, but companies refuse to change my last name to XXXX from XXXX. Ive been XXXX XXXX since XXXX. I currently checked again my Experian and its a whole new address and Ive never been to Florida. I also cant seem to get the other company to pay me the money for me being involved in fraudulent activity from other credit bureaus and I have the pictures and I cant seem to get calls or emails or anything back. It was under XXXX XXXX that the fraud was under and now someones got my personal information in Florida.
Consumer complaint received 2023-03-20
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. (CA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I am writing to dispute several delinquencies that are currently reflected on my consumer credit report. According to my records, these delinquencies are inaccurate and should be removed from my credit report. 
The delinquencies in question are as follows : XXXX XXXX XXXX Confirmation Number XXXX, {$250.00} XXXX XXXX XXXX  Confirmation Number XXXX, {$250.00} XXXX XXXX XXXX, Confirmation Number XXXX, {$220.00} These delinquencies are inaccurate, and XXXX XXXX XXXX has claimed responsibility for the mistake verbally. 
I am requesting that these delinquencies be removed from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires that credit reporting agencies investigate any disputes within 30 days, and I request that you complete your investigation within this timeframe. 
I have provided supporting documentation such as confirmation for payments to support my dispute. Please let me know if there is any additional information that you need from me to complete your investigation. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (WA)

The Fair Credit Reporting Act, under 15 U.S.C. 1681, Section 602 ( a ), mandates that consumer reporting agencies like XXXX, XXXX, and XXXX uphold their significant duties in a manner that is fair, impartial, and mindful of a consumer 's right to privacy. As the Consumer, I am entitled to ensure that my personal data remains confidential, a right supported by 15 U.S.C. 6801, which articulates Congress 's stance that financial institutions must actively and continuously honor their customers ' privacy and secure their sensitive personal information.

The entity providing information to credit agencies qualifies as a financial institution according to this statute. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clarifies that a consumer reporting agency may only provide a consumer report when explicitly authorized by the consumer 's written consent. Neither XXXX, XXXX, XXXX, nor the furnisher of information to these agencies possesses my permission written or otherwise to disseminate my information. 

I hereby revoke all forms of consent previously given to XXXX and the furnisher of information to credit agencies, be it verbal, non-verbal, written, implied, or otherwise. According to 15 U.S.C. 6802 ( b ) ( c ), a financial institution is prohibited from disclosing a consumer 's nonpublic personal information to unrelated third parties without first informing the consumer of their right to opt out of such disclosure, which I was never informed of.

Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from reporting any adverse information older than seven years, with certain exceptions. The adverse account they are reporting does not have my consent and is, therefore, unlawful.

In addition, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that no one may provide information to a consumer reporting agency if they know or suspect it to be inaccurate. 15 U.S.C. 1681e requires these agencies to implement reasonable procedures to prevent violations and restrict report furnishing to authorized purposes, which XXXX is failing to do. 

Lastly, as per 12 CFR 1016.7, I have the perpetual right to opt out, which I am exercising now by opting out of your reporting services.is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Consumer complaint received 2023-03-20
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. (OH)

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 has violated my rights Account name : XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX XXXX XXXX has violated my rights Account name : XXXX XXXX has violated my credits 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions. 
a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-21
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. (PA)

On XX/XX/23 I wrote equifax a dispute letter, disputing late payments on my student loans because I was never late. I asked them to re-investigate their outcome on my dispute and send me proof of verification. I sent this to Equifax certified mail # ( XXXX ) and equifax has not honored my request by re-investigating this matter, and has yet to send me proof of verification, To which is a direct violation of several of my rights under FCRA
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc. (CA)

OKAY SO LET ME START BY SAYING HOW XXXX I AM WITH THIS COMPANY! IVE BEEN WITH THEM FOR YEARS AND HAS BEEN VERY LOYAL!! ANYWAYS SO I CLOSED MY ACCOUNT, THE REP I TALKED TO ON THE PHONE TOLD ME I CAN PAY IT OFF WHEN I WANT SHE NEVER TOLD ME THAT I WOULD BE GETTING LATE FEES!! SO ABOUT TWO MONTHS LATER I LOOKED AND SEEN THE LATE FEES CALLED AND TOLD THEM WHAT THE LAST REP TOLD ME THEY BASICALLY TOLD ME I WAS LYING AND THEY WERE GOING TO LOOK INTO THE CALL ITS BEEN ABOUT 3 MONTHS STILL NOTHING, THEY KNOW THEY WAS WRONG THEY TOOK THE LATE FEES OFF MY ACCOUNT BUT DID NOT REPORT TO THE CREDIT BUREAUS SO THE LATE FEES ARE STILL ON MY CREDIT ...
Consumer complaint received 2023-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A. (MD)

PNC Bank issued credit card ( XXXX ) ( XXXX XXXX ). PNC Bank sent letter to Cardholder dated XX/XX/XXXX stating that the XXXX XXXX credit Limit had been decreased from {$19000.00} to {$7000.00} effective immediately. XXXX XXXX through PNC Bank had been issued based on value customers with qualified credit credentials and there were no exceptions as to the use of the card, nor its line of credit or credit limit were an issue. 
PNC made no indication that the 'credit limit ' were subjected to future increases if any or decreases. Although the credit limit was a starting point for future increases if any. 
Card Holder contends PNC Bank ( Core Card ) credit card issued by PNC Financial Services Group ; discriminated against cardholder, based on several items listed ; which aren't considered derogatory nor adverse to justify a decrease of {$12000.00} based on a credit report ( which from time to time ) fluctuate based on borrowing power, spending or debt to income ratios. Credit Reports provided by Credit Bureaus don't make banking decisions ; decisions are made by the individual institution. In this case PNC FInancial Services Group ; targeted this account and decreased the credit limit ; due to ( 1 ) cash advance transaction on the card { which was valid & qualified } and the other accounts on the credit bureau report ; which are valid and aren't adverse in any way. This practice made by PNC to pull credit data in order to purge accounts and/or make financial decisions as to who better serves their needs, must be looked into. If Consumers wish to carry high-limit credit cards and use the line of credit and remain in good standing, with payments, stay within credit line limits, submit proper credentials ; no reason for banking institutions to take away the initial line of credit. PNC Financial Services Group based their decision on other reasons ; and targeted this account and cardholder without sufficient notice, nor other review in order to make final decision.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (MI)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-07-07
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. (OH)

XXXX XXXX has sent a computer generated copy of an order for that is not a validation of credit. Any Esignature must also have a wet signature. 
Esignature documents must have Name Address Social DOb attach to make form legal. 

This e signature doesn't have a XXXX address ip address or any Digital certificates
Consumer complaint received 2019-07-07
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. (OH)

XXXX XXXX has sent a computer generated copy of an order for that is not a validation of credit. Any Esignature must also have a wet signature. 
Esignature documents must have Name Address Social DOb attach to make form legal. 

This e signature doesn't have a XXXX address ip address or any Digital certificates
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have been the victim of identity theft and several addresses, accounts and inquiries have been fraudulently added to my credit file. here are several addresses that are a result of identity theft and need to be blocked on my credit file XXXX XXXX XXXX # XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX and the Inquiries XXXX XX/XX/2018 XXXX Card XXXX, XXXX Card XX/XX/2018, XXXX  Card XX/XX/2018 XXXX XX/XX/2018, XXXX XXXX XXXX XXXX  XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX   XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018 all of these have been listed on id theft affidavit from the FTC and a police report where it happened. these are not mine I have sent letters regarding this issue with no luck I am sending this here to make sure this matter gets the attention it needs and all of these items are blocked permanently as fraud from my file.
Consumer complaint received 2022-04-27
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. (OR)

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, US Dept of Education 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 a account without my written instructions.
Consumer complaint received 2019-07-07
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: EQUIFAX, INC. (FL)

Obtaining a copy of my credit report I've noticed credit inquiries that are on my report that I have never applied for. I have reached out to Equifax to dispute these items and they have provided me no assistance in correcting this matter.
Consumer complaint received 2019-07-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (SC)

I sent a debt validation letter on XX/XX/2019 to Credit Collection Services to validate a debt they have on my credit report. Instead of validating the sedentary they sent a health insurance claim form. This is not my debt and they have been able to provide any documentation with my signature.
Consumer complaint received 2016-12-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

This delinquent notice appeared on my XXXX account and stated this XXXX acct was opened this past XX/XX/2016. I do n't have a current XXXX acct at my current residence. I have n't received any notices or phone calls regarding the {$170.00} balance owed. I disputed this with XXXX but came back as being " valid '' '. I know for a fact this is not my acct and need this removed from my credit report.
Consumer complaint received 2016-03-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UMB FINANCIAL CORPORATION (MO)

On XXXX XXXX, I attempted to deposit a check ( for {$500.00} ) at my bank 's ATM. The ATM would not allow me to deposit it so I left without completing a transaction. A few minutes later I received a text saying that {$100.00} had been withdrawn from my checking account. I called the bank within 2 hours of receiving the text to let them know that I did not make that withdrawal. The bank employee assured me that they would review the video of the ATM and as long as I was n't the person who took out the money, they would refund the money to me. On XXXX XXXX, they sent me a letter saying that no dispensing error occurred and they were discontinuing the investigation ( without refunding my money ). They also sent me the ATM audit, which shows that the money was withdrawn at XXXX, and someone immediately after me used a different bank card at the same time ( XXXX ) without completing a transaction. Based on this information, to me it looks like it is possible that someone ( either accidentally or on purpose ) took the money out of my account instead of their own account. I called the bank on XX/XX/XXXX to see if they were going to review the video of the ATM. They indicated that they would not review the ATM video and refused to give me a reason as to why they would n't investigate this issue.
Consumer complaint received 2019-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The official AnnualCreditReport website is intended to be an easily accessible way for consumers to review their credit reports from XXXX, XXXX, and XXXX each year. After entering my personal information on this website on XX/XX/2019, including my social security number, I was immediately notified by all three credit bureaus that they are unable to deliver my credit report online for some unexplained reason, and instead simply redirected me to either a phone number or a postal address. I could have reached out via these channels on my own without having to visit the AnnualCreditReport website and entering my SSN -- so what is the purpose of the AnnualCreditReport website? It seems to me that the credit bureaus are only on the AnnualCreditReport website to make it seem as though they are transparent and easy to reach, while they really are discouraging access to information by creating unnecessary hurdles for consumers to jump through.