davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (IA)

I recently got off the phone with my previous employer, Wells Fargo Home Mortgage, on XX/XX/XXXX in attempts of starting my rollover process only to find out that they closed my account. I spoke to XXXX, the current holder of my 401k, prior to this conversation to begin the process and had everything done and finished with them. The representative was so kind to even guide me through their website, helping me make any adjustments necessary to match my needs and start my rollover. I only needed to speak to Wells Fago. 

So I spoke to Wells Fargo. Again. 

I actually spoke to a representative on XX/XX/XXXX to begin the process, but the representative wasn't very willing to help me out. Only a few minutes was spent on the call as I explained to the representative that I was unable to log into my retirement account. I've tried logging in multiple times but each time it would spring up as an unknown error and to call the representative. When I called, the representative told me to simply go onto the main webpage and enroll there since I didn't officially have any Wells Fargo accounts. I only had a team member account, one that I quickly realized that I no longer have access to. 

Without further help on the matter or any attempt to help start my rollover right then and there, she disconnected and I went online to register. I ended up being unable to register due to some technical error in the system, I ended up doing the same thing that I'd attempted to do earlier, and even now the issue remains unresolved. 

I decided to try again and give Wells Fargo a call again today, XX/XX/XXXX. After being transfered from representative to representative, I was able to talk to someone who was able to pull up my account, although it wasn't very much of a conversation. She told me that I was issued a check just a few days earlier, XX/XX/XXXX, a week after my attempt to begin my rollover with the other representative. Informing me that my previous balance was now cut by a few hundred dollars and that I will be charged penalty fees for not meeting the deadline that I was never informed of. 

I remained patient and willing to wait as she looked up my files and asked her if there was anything I could do to get the rollover started since I've spoken to the representative before and had issues logging in but the representative remained stern and gave me no further options. At the end of the conversation, she had the audacity to ask whether or not I was willing to start a retirement account with Wells Fargo and that she'd be happy to help me start one. 

Throughout the entire process I felt as though I received no help at all from Wells Fargo on the matter, I was only turned to opening new accounts with them each time. Unaware and uninformed, Wells Fargo stripped me of the money that I've been building with them as a dedicated team member.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NY)

I am writing to express my extreme dissatisfaction with the failure to comply with legal requirements regarding the removal of fraudulent accounts from my credit report. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. Despite assurances from associated banks and XXXX 's completion of their report without these accounts, your bureau has neglected to take action. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-16
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 XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A 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 my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$810.00}, {$240000.00}, {$61000.00}, {$28000.00}, {$62000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$61000.00} -This is not my account. 


-- INSTALLMENT LOANS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$62000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2022-07-22
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. (MN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law.. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX MN XXXX, XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2020-07-27
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 had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. The accounts that are not mine which should be deleted.I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. 
The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.I believe that personal info was used by some one else to open this account. I am a victim of identity theft. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failures by credit reporting agencies to comply with these federal regulations are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445, you may be liable for your willful non-compliance.
Consumer complaint received 2018-05-01
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)

I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.
Consumer complaint received 2024-03-05
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. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 2022-06-16
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 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 to 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.
Consumer complaint received 2022-06-16
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 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 to 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.
Consumer complaint received 2021-04-12
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: Radius Global Solutions LLC (AZ)

In XXXX of 2020, I was informed via email that an erroneous debt on my credit file would be looked into as an error ( which it was ) by the company, XXXX XXXX that sold it into collections. XXXX investigated and found the debt to be in error, actually refunded {$57.00} that was owed to us. Several letters and communications were forwarded stating that XXXX recognized their mistake and would cease, themselves, and also require the collection agency, Radius Global, to cease all collections. Radius Global was required by XXXX and by law to systemically remove the negative file reported to the three major credit bureaus. Radius Global then sent letters to me stating they would correct the reporting error but did so for two of the bureaus while leaving the reporting cycle for XXXX  open. Over a year has passed since I informed Radius Global, a Minnesota-based collection agency, that they were in error concerning a debt that was not mine and I refused to pay. Doing so has caused a great loss to my personal and financial well-being. I am now in the middle of purchasing a new home which is due to complete building soon. The continued negative reporting with XXXX  refusing to remove this remark is causing suppression of my credit score and potential loss of my financial investment and social need for shelter for my family and myself. I am asking the CFPB to intercede on my behalf because XXXX  states that a request to remove the error has NOT been made by Radius Global, while Radius Global 's supervising agent over the file, XXXX XXXX, states that the error request was submitted in XXXX ( but also stated the same thing in XX/XX/2020 ), but the item is still reporting. It's well after the legal amount of time to remove the error, but Radius Global states they will do nothing more to have it removed. XXXX  continues to state that there has been no request sent from Radius Global and that must be received first before they can comply. I am attaching documents for review.
Consumer complaint received 2018-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My credit report shows that I have an inquiry from Capital One Auto Finance on the date of XX/XX/XXXX in which I never requested. I had just financed a car through Capital One in the month of XXXX and that inquiry shows correct but this one is false. I brought up the issue on XX/XX/XXXX was informed That I would have make a report to get it handled.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MI)

I have a 30 day missed payment reporting on my credit report on XX/XX/XXXX. I called the company that reported this missed payment on my credit report to tell them about the error. Then I was informed that they no longer owned my account. That is was sold to the current owners which is Comenity Capital Bank. I contacted this bank. They told me to write them a letter explaining the problem. I got a response from them telling me it was nothing they could do about it. I wrote them this letter on XX/XX/XXXX and got a response on XX/XX/XXXX.
Consumer complaint received 2022-08-26
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. (NY)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$270000.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00}.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account balance is currently reporting to all 3 bureaus as over the credit limit. It is not. In fact I'm only using {$7.00} of the {$300.00} credit limit.
Consumer complaint received 2021-06-10
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: SLM CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-10-26
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. (NY)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I opened a HSBC Advance Checking Account and a couple of Savings accounts based on their {$350.00} bonus requirements on XX/XX/2019. 

I DEPOSITED FROM XXXX XXXX {$10000.00} on XX/XX/2019 and maintained that amount and more for over 90 days. 

After inquiring about the missing bonus, on XX/XX/2019, I was sent a message by HSBC Digital Contact Center that I did not meet the {$350.00} bonus requirements because my accounts did not maintain a {$10000.00} within 30 days since XX/XX/2019. 

The Advance Checking Account has a $ XXXX  monthly fee, this fee is waived if you maintain linked combined balances of at least {$10000.00} or at least {$5000.00} with a recurring direct deposit from a third party to an HSBC advance checking account at least once per monthly cycle. 

If that was the case, why was I not charged a fee due to not having at least {$10000.00} in my accounts? 

It is because I meet the following ... 

Advance Checking Account {$350.00} bonus requirements : Open new HSBC Advance checking account by XX/XX/2019 Deposit a minimum qualifying balance of {$10000.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance
Consumer complaint received 2021-10-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2020-07-26
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: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX I applied for a credit card with Chase. My application got denied. This caused a hard inquiry on my credit report. A few minutes later ( in the same day ), on XX/XX/XXXX, I requested a credit line increase on my existing credit card. This happened via secure message communication. I followed the process, but I clearly stated that I did not give my consent to pull another credit report in the same day, instead, I suggested using the same credit report that Chase pulled from XXXX  on XX/XX/XXXX. Despite my clear statement making it clear that I did not give my consent, Chase pulled a second credit report on XX/XX/XXXX, and caused a second Hard Inquiry. I clearly stated " use the same report and do not obtain a second copy ''. You can verify this in my attachments named : " No Consent for Credit Report.pdf ''. Therefore, a hard inquiry was caused without my consent. 

I tried to solve this problem with Chase Bank several times. Both in writing via secure messages, and several times on the phone. The customer service of Chase leaves me hanging. The only answer I got is that they will provide me with findings. I am not interested in the findings. I need a clear and transparent answer, and also I demand Chase Bank to remove the second hard inquiry that was caused without my consent.