davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NV)

Continuing issue # XXXX. 
I have been looking at the documents you gave me and I signed, there is nothing mentioning that you can : - Tell me that you will take two days day to check the funds.

- After two days : Fully deposit the money into my account while sending no message that you still process the fund availability.

- After 2.5 days : Retake the money due to amount insufficiency. 

I believe the way you dealt with this made me lose {$2800.00} and I want you to fix your mistake. I am a student and this amount of money is too much for me, so please fix your mistake as soon as possible.
Consumer complaint received 2022-02-02
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-04
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. (NC)

I have a hard inquiry from XXXX XXXX XXXX XXXX I didn't get any finance or I never shopped with them ever. 

In accordance with the fair credit reporting act 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 2018-02-22
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MRS BPO, LLC (MD)

on XX/XX/2018 at XXXX XXXX, XXXX XXXX ( for XXXX XXXX ), called my job at XXXX about a debt that was owe and off my credit report and talk to my coworker about the problem. didn't verified any information regarding the debt, just asked for my name. and told all personal information about this debt. the person that was talking on the phone from XXXX XXXX was XXXX XXXX. i have repeatedly had phone calls from this company with harassment, and i told them to stop calling. Their number is XXXX and the reference number is XXXX. they also been calling my phone number XXXX multiple times. i didnt authorize this company or XXXX XXXX to call my place of work, relatives or cell phone in regards to this debt.
Consumer complaint received 2022-04-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NJ)

On XX/XX/2022 I was being blackmailed over the internet by a person named XXXX from the XXXX threatening to send indecent photos of myself after posing as someone else from a dating serviced called XXXX XXXX XXXX  I was forced to send {$1400.00} over the course of 3 transfers over a service company called TransferWise LTD ( or Wise in short ). In the height of this incident I drove down to my local police department to open case as I was being blackmailed. I reached out to my bank afterwards to put a stop on these transfers because they were incriminating and were able to not transfer the dollars via Wise. Wise the company have since been threatening me about these transfers saying they'll send me to collections. In light of this I not only have a full address of this person but also evidence of he/she saying this is blackmail specifically. I am shock after communicating my circumstances I was still told to pay. At the same time I'm being collateral damage/scapegoated after a traumatic event I personally had to experience on my own. Attached are documents for proof, the police case by XXXX Police Department ( XXXX XXXX  ) and a complaint sent to the state of NJ Department of Banking and Insurance. Please see the address below to this individual from the XXXX. Thank you! 

XXXX Address : Project XXXX, XXXX XXXX : XXXX XXXX XXXX, XXXX
Consumer complaint received 2022-04-03
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. (NY)

Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (RI)

Hunter Warfield calls me at XXXX several times a day every day from XXXX. They ask for me then transfer me to someone who threatens me about delinquent debt. They refuse to stop calling me. They refuse to provide proof of debt. Instead they just keep harassing me.
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, we received a notification that our bank password had been changed. Simultaneously, my wife 's phone stopped working. Someone had hacked her phone. She immediately called Wells Fargo from my phone, and got a new password on our account. When I logged in, I showed that someone from XXXX Fl. had tried to take {$1000.00}, but the bank rejectedthe transaction. Thebank started a claim ( number XXXX ). A few minutes later I logged back into our account to discover another failed attempt to take a {$1000.00} followed by a successful attempt originating again from XXXX Fl. My wife called again and received a second claim ( number XXXX ). They didn't have an answer as to why they were able to get money after we had called the first time. A little while later I logged into our account again to discover another {$1000.00} released to the same location by the bank. I called again, but they didn't have any answers. After the bank sent us a couple of letters, one of which told us this was all our fault, my wife called a fourth time on XXXX. She received a third claim ( number XXXX ). A similar attack on our account had been made in XXXX, but since then, no new information ( passwords, account numbers, etc. ) had been added to her phone. The bank told us the culprit used an authorization issued by the bank. The bank authorized them to take our money, we didn't. We've never been anywhere near Florida.
Consumer complaint received 2024-02-08
Product: Credit reporting 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)

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2022-04-03
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. (IN)

I have sent Numerous notices to XXXX, XXXX, & Transunion to delete the inaccurate accounts they couldnt verify or Validate to me. These accounts are not mine & need to be delete from my credit report
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (PA)

I received a credit card from genesisFS card services. I called them and said I did not apply for the card. I dont want it and I want it taken of my credit report ( including the inquirie. They said they would investigate it and it could take up to sixty days. I dont have sixty days to repair my credit. I need to beable to apply for a place to live. Please help
Consumer complaint received 2019-04-11
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (TX)

XX/XX/2019 To whom it may concern : I need your agencys assistance, yesterday I received a bill in the mail from a XXXX XXXX XXXX XXXX, and this debt collector is charging me for a fraudulent debt that I do not owe. 

They are claiming that as of XX/XX/2019, I owe a balance of {$270.00} to a XXXX XXXX XXXX   University, and their claims are totally false, as well as fraudulent. 

I have no outstanding educational debts what so ever, and I want this collection agency to remove this fraudulent debt off of any fraudulent file that they have created in my name, and I also want them to remove any false fraudulent information that they have placed on my credit files. 

I dont owe this debt, and I am not paying this collection agency, a dime, and I am writing your agency so that you can also investigate as to whether this collection agency is also billing others for fraudulent school debts. 

I want something in writing from this collection agency showing that this bogus debt has been removed from their files, as well as from my credit files, immediately.
Consumer complaint received 2022-04-03
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. (FL)

My name is XXXX XXXX i have been contacting and disputing Equifax Inc since XX/XX/2021 about a late payment that reporting inaccurate, the company did not conduct a reasonable investigation into the matter account name : XXXX ACCOUNT # XXXX Equifax Inc still reporting a late payment on credit report since XX/XX/2021 that wasn't corrected. According to the Fair Credit Reporting Act. 15 U.S. Code 1681c-1 ( a ) ( 3 ) ( 4 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.your role in the dispute process is to review the accuracy and completeness of any disputed item which may include contacting the furnisher of the information or the vendor that collected the information from a public record source, and notifying them of the dispute and disclosing all relevant information regarding consumer dispute. When you contact the furnisher or vendor, you ask that they verify all of the information regarding the item disputed and report back within 30 days of the date that consumer received request. To help resolve the dispute, you Equifax Inc. shall review all relevant documents submitted with the dispute and will forward them to the furnisher if you are unable to resolve the issue. Equifax Inc shall review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, you find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. If we do not receive a response from the furnisher or the vendor within the required period, we update the item as you have requested or delete the information, and send you the results. Equifax Inc able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After you complete the processing, as a Consumer reporting agency see ; 15 u.s code 1681i ( a ) ( 1 ) ( A ) you shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) im attaching all supporting documents such as bank statements to support my calm " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX  XXXX '', '' XXXX '', '' '' " XX/XX/2021 '', '' '', '' XXXX Transaction - XXXX XXXX XXXX XXXX XXXX '', '' XXXX '', '' '' " XX/XX/2021 ''
Consumer complaint received 2022-04-03
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. (FL)

I applied for mortgage loan ( XXXX XXXX ) and I consent for my credit to be run only once. But I check my credit report and the company ran my credit four times on different dates, which I did not consent to and did not receive any notice.
Consumer complaint received 2022-04-03
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 2022-04-03
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. (GA)

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 2018-06-17
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. (WA)

EQUIFAX IS PULLING THE SOCIAL SECURITY & NAME OF MY SISTER INSTEAD OF ME. ALL OF THE TRADELINES PULLED BY EQUIFAX IS FOR MY SISTER. 

1 ) OUR NAMES ARE VERY SIMILAR INCLUDING THE MIDDLE INITIAL 2 ) OUT SOCIAL SECURITY NUMBER IS DIFFERENT BY THE LAST 2 DIGITS. 

3 ) FOR SOME REASON EQUIFAX HAS BLENDED OUR CREDIT REPORT AND SO ALL OF HER INFORMATION IS PULLING AS MINE. I HAVE TRIED TO CONTACT EQUIFAX SEVERAL TIMES VIA WRITING AND PHONE CALLS WITH THEM NOT FIXING THE ISSUE ON THEIR END 4 ) XXXX AND XXXX SHOW CORRECT INFORMATION
Consumer complaint received 2016-11-17
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (NC)

My name is XXXX XXXX and I 've been trying to sell my deceased mothers home thru Wells Fargo. I began my efforts on XX/XX/2015 to sell my mothers home and sought the help of XXXX XXXX to sell my mom 's house at XXXX XXXX XXXX, XXXX, NC XXXX. I ca n't seem to get Wells to finalize the sale. I totally believe they are dragging their feet and slowing down the process to extract more funds from me. I need help, PLEASE. XXXX XXXX, XXXX, XXXX, XXXXXXXXXXXX.
Consumer complaint received 2022-04-03
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: CITIBANK, N.A. (CA)

Hi my name is XXXX XXXX I was a victim of identity theft and I reported problem to 3 Major Bureaus and creditors and upon doing my own investigation and contacting some creditors myself I found out that fraudulent account were open either with previous addresses either phone number and e-mail that fraudsters use were not mine and companies reporting to major bureaus came back with investigation results that investigation was done and information was correct but they were not.I attached proof such as rental agreement for the years where I lived.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-04-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Reliable Credit Association, Inc. (VA)

An account was opened with Reliable Credit inXX/XX/2016 The auto loan was for a XXXX XXXX XXXX, we put XXXX dollars down. We never went more than 30 days late, when we called to discuss the payments for some help due to financial hardships the company was not willing to work with either of us on the loan to set something up. I called and talked to the supervisor on different occasions and they refused to work something out.The only option was to pay over 2000 dollars instead of the monthly payment or have the car repossessed, clearly we were having financial hardships and this was unrealistic. We made the monthly payments from XX/XX/XXXX until XX/XX/XXXX, before we ran into financial hardships that made it difficult to make one payment. We could not afford the XXXX dollar payment they wanted us to pay instead of the past due 30 day late payment and the car was repossessed.The car was sold and we are told we still owe XXXX dollars on a car that only cost XXXX dollars. After the car was repossessed we called to try and work something out, instead the car was sold and the company still is trying to charge us for a higher amount the what the car was worth. Shortly after I was XXXX to XXXX and my family had to relocate to a different state. We have since contacted the company to still try and figure out a repayment plan and they told me there is nothing they can do for me not to call them call the debt collector.The negative remarks have been severely impacting our credit scores in a negative way.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2022-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc (NC)

KLS debt collection agency has attempted several times to collect a {$180.00} debt from me that does not belong to me. I have called them to let them know that this debt is not mine. The guy tried to bully me and then threaten me with a damaged credit report. I proceeded to tell him that they have the wrong person that this debt does not belong to me but he persisted. Not only did he try to get me to pay it even after i informed him that it does not belong to me, they are reporting it on my credit report twice! I also noticed that they changed the dates and re-aged the account. They have violated my rights! I called the credit bureaus and they did not remove it from my report. Please help me in getting this removed. They are bulling people out of money with illegal practices and thinking they can get away with it.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called Bank of America using the telephone number listed on the back of my credit card ( XXXX ) XXXX. The automated system was very difficult and intentionally disconnected on me several times. I was unable to get to a customer service representative. I asked the IVR ( interactive voice response system ) on innumerable occasions to transfer me to an agent. The automated system indicated for me to call back later then disconnected. This has happened to me every time I call. Pressing prompt XXXX, pound or star does not work, are considered invalid prompts. Speaking out loud and asking for a customer service representative is also considered an invalid request. This is unfair and deceptive practices. This is prohibiting me from checking my balance and making payments to my account. What do senior citizens with rotary telephones do? Or those that are XXXX and do not have a smart phone device? Bank of America is inappropriate and egregious. In addition, I asked the Bank of America agent a question, and she did not answer my question. Her name was XXXX located in Arkansas. The phone call was around XXXXXXXX XXXX XXXX Her identification number is XXXX.
Consumer complaint received 2019-06-12
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: Experian Information Solutions Inc. (NJ)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HW Holding, Inc (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX notified 60+ plus days prior to move out. ( Balances prior to move out paid in full. 

Attempted to reach Original Creditor XXXX XXXX via phone and email and have not received a response. 

Debt Validation letter sent XXXX XXXX ( Certified ) - no response. 

Erroneous Credit Reporting Thank you XXXX XXXX XXXX XXXX