davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (MT)

My mother, XXXX XXXX has had two deposit accounts ( checking and savings ) at Wells Fargo for the last 48 years. I am a joint account holder on both accounts. She has maintained significant balances in the accounts over the years. At the end of XXXX, 2023, the combined balance in the two accounts dropped below {$20000.00}, and she was charged a " monthly service fee '' of {$25.00}. For a deposit account. 
I called WF on XX/XX/2023 to ask them to waive the fee. My mother was XXXX. She passed away on XX/XX/2023. And despite the fact that my mother has been a WF customer for close to 50 years, WF refused to waive the fee but offered to refund {$12.00}. 
WF 's business model of charging its customers unfair, deceptive and abusive fees continues unbated. They have simply shifted from opening customer accounts for unwitting customers ( which they also did to my mother ) to charging junk fees to elderly clients. 
There is absolutely no difference between a credit card company charging a {$40.00} late fee and a bank charging a XXXX XXXX monthly service fee. They are all junk fees. The CFPB should protect consumers from WFs abusive business practices. It should order banks to stop charging account holders junk fees.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (FL)

I'm frustrated and I'm upset. I have been charged excessive and predatory fees. Iv canceled my accounts and ordered new cards and been assured that no company can charge my new card. Infant I haven't even activated my new card. How would it be possible to charge an unactivated card? I was just recently charged for an insurance claim I canceled months ago. Iv tried three times this morning to contact customer service. They berated me and belittled. Talked to me like I was XXXX and when I get frustrated they immediately hang up on me. This is getting oit of hand. How am I supposed to handle this if the bank refuses to provide customer sevice?
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc. (IL)

SBNASELFLNDR : XXXX This is NOT A DISPUTE, but I believe the information being reported to be inaccurate. For that reason, Im requesting any account-level documentation in your possession in addition to the following information : Application account agreeement and annual disclosures billing statements from open date to current copy of hardship or workout plan agreement Gramm Leach Bailey Disclosures copy of 1099-C
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act, DPT EDXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-26
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. (FL)

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 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 2023-09-15
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 urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2022-02-23
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 (NY)

Git an email that I have hard inquiry on my report as of XXXX XXXX. And that was not me. I need help Who tried to go to capital one asks XXXX XXXX. Can you please halo me. And XXXX $ in music from XXXX XXXX XXXX XXXX. XXXX  still active as of XX/XX/XXXX I tried to dispute it. Cause I never bought music fur that much.
Consumer complaint received 2022-08-26
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-08-30
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. (AL)

I submitted a dispute of 4 public records currently being reported on my equifax credit file. Equifax came back and said the public records were verified and that they are reporting correctly, they also reported that this information was received from XXXX. I contacted XXXX XXXX and spoke with the customer service rep who stated that equifax had not requested a copy of my consumer file. The customer service rep at XXXX XXXX stated that my consume file with XXXX was and has been frozen since XXXX  2017- and that it was not possible for equifax to obtain the information from them. This file with XXXX is frozen due to inaccurate information being reported.
Consumer complaint received 2022-02-23
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Bank 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 an account without my written instructions
Consumer complaint received 2022-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc. (FL)

Resubmission - I reached out to them XX/XX/XXXX in a request for validation and they never responded as you can see with the attached green slips. I also filed an original complaint XX/XX/XXXX and it was closed without being looked into.
Consumer complaint received 2022-02-23
Product: Mortgage — Reverse mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NOVAD Management Consulting, LLC (NJ)

I have NOT received my form 1098 -- XXXX XXXX  XXXX XXXX for tax filing purposes. 
I sent numerous emails to XXXX and have tried to connect with a customer service representative at XXXX since XXXX XXXX, XXXX. No one responds to emails.No one answers the phone. I've been listening to the same recorded message to " wait on the line for the next availablrepresentative. '' Please help.
Consumer complaint received 2022-02-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have reached out to CapitalOne regarding account that they are reporting under my social and on my credit multiple times in XXXX, XXXX, XXXX, however all my requests asking them to either provide me a proof of the application or update my records were not answered. I am a victim of identity theft and there was an account opened under my name with Capital One in XX/XX/XXXX and it was charged of in XXXX of XXXX. This account dose not belong to me and I need them to actually remove it form my records and update all credit reporting agencies. This has caused me not being to obtain government federal jobs. Once again Capital One needs to remove this fraudulent account from my records immediately.
Consumer complaint received 2017-08-30
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. (GA)

I contacted transunion on XXXX XXXX by mail to dispute inquires that were unauthorized by me. I have tried to contact them several times by phone stating that the inquires were not authorized by me. I stated that I felt that that were done my third parties companies. It has been over 30 days and I have not receive a response from transunion. I have requested several times to have these deleted. I also tried calling them on XXXX XXXX and XXXX XXXX. They stated there is nothing they can do and they will remain for 2 years. I feel for these inquires to remain is unfair to the consumer. The FCRA states that the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. I would like the below inquires remove. 

XXXX XXXX FXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-26
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: Experian Information Solutions Inc. (PA)

Credit been ran without my permission or signature. There is shared information without my permission and the credit. I have not received a printout of my credit report as requested with the issues of fraud done. I would like to dispute the company that is on my report with out my permission.
Consumer complaint received 2023-05-31
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. (MD)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED 4XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX PHYS XXXX ) XXXX Balance : {$650.00} Charge Off XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2022-04-14
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. (NY)

In accordance with the Fair Credit Reporting act 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 2022-02-23
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. (MS)

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All UndeXXXX penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2018-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit been ran without my permission or signature. There is shared information without my permission and the credit. I have not received a printout of my credit report as requested with the issues of fraud done. I would like to dispute the company that is on my report with out my permission.
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transa

ction. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original a
pplication bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2018-07-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2018 i realized about a fraudulent transaction on my saving account that took place just the day before XX/XX/2018, it was XXXX dollars. I inmediatly called to report it, they told to me that i should sign a form in order to get a temporary reimbursment while they investigated such activity, they advised me to go by a sucursal to close and open a new account. I went to the bank, the banker told me to replace both checking and saving accounts since he had found 2 fraudulent transaction on my checking account as well from XX/XX/2018, he called to report this and at the end they said they could not credit the transaction of XXXX dollars since i was responsable for any transaction that occur more than 60 days. All in all they have manipulated this problem to their convenience, i dont understand their decision because i reported it in less than 24 hours. They credited {$30.00} to the checking account and {$5.00} to the saving account that i really not know about this XXXX dollars because i never signed any affidavit for this amount. I think they have violated my rights as a consumer, i hope i can solve this problem with your cooperation and not have to look for legal representation, thank you so much for taking my case.
Consumer complaint received 2017-08-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I submitted a dispute in XXXX 2017 to Transunion regarding the reporting of 2 state tax liens.  Transunion stated that the information was verified as accurate. Transunion lists the reporting agency as XXXX County Recorder ( XXXX ) XXXX. I contacted Transunion for additional information and I was told by the Transunion customer service representative to contact the number listed on my credit report for XXXX County Recorder. I contacted the number listed and was advised that they do not report information to the credit bureaus and that they can not verify if the information listed is accurate. I am requesting that Transunion delete this information based on the fact that this information is not submitted by or reported to Transunion by the XXXX County Recorder.
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (MI)

I don't owe anything to WAKEFIELD & ASSOCIATES with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXX XXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2022-02-23
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. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX BANK Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # GWHZXXXX 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 2022-02-23
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX Accounts 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.