davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I am a teenager. I have a teen account, in connection with my grandmother 's account at Wells Fargo. On XX/XX/2022 I discovered that my XXXX} Bank account balance was only XXXX. I had been at home all night - I live with my grandparents and do not drive. My ATM card was in my wallet. No withdrawal over XXXX should be accepted by the bank, and most times I receive Fraudulent Notices by text, when I make purchases in a high amount. I also only go in to the bank to withdraw money. Someone was able to withdraw XXXX} in three separate transactions on XX/XX/2022. I called Wells Fargo and reported the fraud. They said they would investigate. I called them on XX/XX/XXXX, and they said there was no evidence of fraud and I would not be getting my money back. My grandmother also talked to them, and explained that I should not have been able to withdraw the money, and I received no fraud alerts. They had no answers. I spoke to XXXX and XXXX at Wells Fargo. They said they could escalate my call to the Executive Department, and they would call back in TEN DAYS. I find the service I have received to be unacceptable. They said they could not prove Fraud, but they never said that they could not prove that I withdrew the money.
Consumer complaint received 2017-09-08
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. (MA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2023-01-13
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. (GA)

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 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 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 2023-09-20
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. (FL)

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts immediately.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (ME)

On XX/XX/XXXX I viewed a report that Equifax had not protected consumer information and was victim to a cyber attack. Using the website XXXX I was informed that my information was subject in this attack. Equifax should not have allowed my information to be gathered as I will now be subject to identify fraud and identity crimes.
Consumer complaint received 2023-09-20
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: Experian Information Solutions Inc. (FL)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditors customer service representative.
Consumer complaint received 2022-03-16
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. (OH)

In accordance with the Fair Credit Reporting act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

16 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. 

XXXX  ( Finance ) XX/XX/2021 XXXX  XXXX  XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX  XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX Auto ) XX/XX/2021 XXXX
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

We have just been scammed out of {$23000.00}. It was an extremely complex Phishing scam. I am a XXXX XXXX  with over 40 years dealing with PCs / Computers and a XXXX XXXX. The timing of the philshing email and the topic of the email was proper. The name and logos were exact. Everything seemed proper. Once we realized it was a scam, It seemed to me to be too coincidental for a blind phishing email. I started digging. 

On XXXX XXXX, I finally figured out how it was done. XXXX XXXX has a FEATURE that I did not even realize was present. It is an autoforward feature. 

Somehow, ( still trying to it figure out how this was done ) someone, without our knowledge, put an email address in that field. The result was that all emails sent out of my wifes email account were automatically copied to that email address. We had absolutely no idea that this was happening. It is a really big security exposure if you somehow got your email hacked and did not know that someone added that email address to the autoforward field. The name that somehow was put into the XXXX field was XXXX. We have no ideal how it got there or how long it has been monitoring our outgoing emails. 

What happened to us is that our travel agent sent us a notice that our final payment for an upcoming trip was due. We responded back to our agent asking what we needed to pay the agency. They replied ( these were all valid emails ). We got a email day or so later asking use to hold of on the payment and asking for us to acknowledge the receipt of the email. ( This was the first Phishing email ). We then receive an email telling us that there was a change in the payment method and we should use a wire transfer. ( Phlishing Email again ). Wire transfers were unusual but we though it was a reasonable request from our trusted travel agency. All emails logos, names, and the timing seemed proper. so we fell for it. 

I have filed a police report with the XXXX XXXX Police department initially before I found the XXXX email. I informed them today of the autoforward feature Also filed an FBI report since it was a major amount of money ( not just a few hundred dollars or even a few thousand dollars ). 

The wire transfer was made from our bank " XXXX XXXX '' of XXXX, MN. It was transferred to Capital One. Our bank told us they contacted Capital Oneand we were told that there was nothing they could do since was gone.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX {$8.00} XXXX5 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2018-09-16
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. (SC)

Many complaints and certified letters to XXXX Experian and XXXX   requesting METHOD OF VERIFICATION of inaccurate information from XXXX XXXX. Attached is a Letter from XXXX XXXX Support Team requesting information from me that I believe is a mixed file. According to the FCRA I am entitled to a thorough fair investigation. The attachment supports that the 3 major CRAs and XXXXXXXX XXXX are not reporting and investigating disputes according to the guidelines of the FCRA.
Consumer complaint received 2017-09-08
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)

My information was mishandled by Experian, myself and millions of other people at risk by their security breach. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Consumer complaint received 2015-09-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BQ & Associates, P.C., L.L.O. (NE)

On XX/XX/2015 I began receiving " You 're being sued, hire us '' letters in the mail. They said I was being sued by XXXX XXXX XXXX who hired Brumbaugh and Quandahl P.C ( XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX, XXXX ) to sue me for the alleged debt. I was served on XX/XX/2015 by the constable. The summons stated XXXX XXXX XXXX as the creditor and Brumbaugh and Quandahl is the law firm suing on their behalf. The amount of the suit was listed at {$4300.00}. No other information was listed, i.e. original creditor, account information, etc. In doing research on LVNV I discovered they are junk debt buyers and predatory debt collectors. Brumbaugh and Quandahl recently started calling me at home but I have not answered knowing it is them. The calls are after XXXX. I believe both entities are violating my consumer rights. I have sent to complaints to the Nebraska Attorney General and the XXXX as well.
Consumer complaint received 2023-09-20
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2022-03-16
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: DISCOVER BANK (FL)

new and updated information. Company has not responded to my letter that was received XX/XX/2022 Company has violated my rights by not completing investigation within 30 days and by furnishing my personal information to companies without my consent.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Saturday XX/XX/XXXX XXXX to XXXX XXXX Amount {$3000.00} After deposit the money screen kept on looping on processing Never asked to confirm and never printed a receipt I called and Bank of America havent giving me any info on the claims havent funded my account which they said will do it in 2 business day it been 5 days now
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (MD)

I recently lived in an apartment complex where Id signed a 6 month lease. I paid all 6 months up front. At the end of my lease I turned in the keys and moved out and all was well. A month after moving out I received a letter from IQ Data international saying I owed the apartment complex money. The letter from IQ said to write them in 30 days to dispute the debt and request validation. I did just that and sent them mail overnight to ensure it got there before the 30 day mark. A month went by and I never heard from them. All of a sudden I get a notice that a collection had been added to my credit report. It was from IQ data international. I wrote them again and called them asking for validation of the debt. Over the phone they told me they dont send anything in the mail, despite the fact that I got their contact info from something they sent me in the mail. I asked both over the phone and once again in writing for a validation of the debt and they have still not provided that information to me. I have disputed it with the credit bureaus and they seem to have no trouble communicating with them, but they have made no effort to try to validate this debt with me or allow me to dispute it or verify it. 
This is against the law.
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I have reached out to the credit bureau and I am yet to hear from them, it has been over 30 days and no response, these are inaccurate and should not be on m report.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

happened on XX/XX/2021 i deposted XXXX $ and it only credited my account with XXXX ... which left me losing XXXX dollars ... and now they made a decision to reverse it .... basically there atm stole XXXX dollars of mine ... even though they credited me XXXX and now they decided to reverse it ... so mad
Consumer complaint received 2023-02-22
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts to prevent further harm to my credit score. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$940.00} XXXX XXXXXXXX Balance XXXX {$440.00} XXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$1100.00} I already sent the required file to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. please verify the accounts above
Consumer complaint received 2022-03-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have reached out to the credit bureau and I am yet to hear from them, it has been over 30 days and no response, these are inaccurate and should not be on m report.
Consumer complaint received 2022-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX {$8.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

new and updated information XXXX has failed to respond to my letter received by them on XX/XX/2022 within the FCRA required 30 days
Consumer complaint received 2022-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

new and updated information XXXX has not responded within the 30 day FCRA required time to investigate a bankruptcy showing on my consumer report. XXXX received my papers on XX/XX/2022 ( USPScertified tracking # XXXX )
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/2017 NOT PROVIDED Date Updated : XX/XX/2017
Consumer complaint received 2022-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc. (LA)

UCB ( United Collections ) is stating I still owe them {$570.00} however i payed this in full and they agreed to remove it from my credit history. I have a screenshot from my bank account showing the transaction to them. It was payed on XX/XX/2022.
Consumer complaint received 2022-03-16
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. (GA)

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 2022-05-05
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. (OH)

When I log into Trans Union and pull my credit report it shows that I have an account with Adverse Information ( XXXX XXXX ). I have filed several disputes and they always send me a copy of a credit report that does not match the report I see on-line on their website. 

The report they mail me shows XXXX XXXX in good standing and closed. Unfortunately the information on the website is what is being shared with XXXX, my banking institutions etc. They all show TransUnion reporting me having an account with adverse information ( again, I have no negative reports from any creditor ). This is impacting my ability to obtain the best credit rates. 

I am asking that the TransUnion website be corrected to reflect ALL accounts in good standing ( like the reports they keep mailing to me ). Why do the two reports not match? The website is reporting false and inaccurate data. Please do not mail me another report without fixing the the website. The credit report I print from the TransUnion website is my issue. I have emailed several copies of these reports showing XXXX XXXX listed as an account with adverse information, but there is never any mention of them.
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2018 my chapter XXXX bk was discharged. The checking account I previously had with cap 1 was included in thus XXXX They've since sent me a new debit card stating that the account is restricted. I'm not sure how when it was discharged in XXXX XXXX. When calling capital one, they act completely clueless to what I'm speaking about.