davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/XXXX, at XXXX, I received a text from Wells Fargo Bank Fraud Dept asking if I had made a XXXX transfer for {$1000.00} to XXXX XXXX. I replied no. The message said a customer service representative would contact me soon. Shortly thereafter, I received a call from the Wells Fargo number on the back of my debit card. 
The person told me that money was scheduled to be transferred from my account to XXXX XXXX and I needed to go into XXXX to put the money back into my account. I questioned this but since I had never used XXXX and was somewhat panicked, I went into XXXX and proceeded to enter my phone number as directed. A scam notification came up and the caller said he had just put that on the page to stop any scams. 
He said we would do {$500.00} first and then we would do the other {$500.00}. When I hesitated, he told me to check the number on the back of my card. Thinking this was someone from Wells Fargo, I entered the amount. 
At this time, I asked if he could hold for a moment. I called my husband, who is a retired Wells Fargo employee, on my landline and just as I started to talk, the caller hung up from my cell phone. My husband came in and we immediately called the Wells Fargo number to report the scam. 
We were told that it would take 10 days to be resolved. 
Ive called several times only to be told after 10 days that the recipient institution had been contacted asking for a refund. On XX/XX/XXXX, I was told the claim had been denied and closed but could be sent to an escalation process. A customer service representative asked if I wanted to talk to someone in the executive office. I held for over an hour only to find out that the office had closed for the day. The following day, I spoke to someone in the executive office who asked me what did the original claim rep tell me about the provisional credit. I told him I wasnt offered it and he said he had no authority to give me a provisional credit or refund my money and that I should be receiving a letter in the mail. I have spoken to so many different people and all have transferred to someone else that I had to explain over and over what took place.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I purchased a Body Camera from XXXX using my Capital One Visa Card. The camera was supposed to record video and download it to my computer. The camera was able to record but I spent many hours working with XXXX Technical Support and was not able to get the video to download to my computer. I even tried using a second computer, but it would not work either. I returned the camera to XXXX but they would not issue a refund because they said there was nothing wrong with their product/service. They said the camera worked fine with their computer and there must be something wrong with my computer. I did a dispute with Capital One, but they would not return the {$1000.00} because they say XXXX told them the returned camera was damaged. I thought that using my Capital One Credit Card would insure that I would be able to get my money back if the product I bought did not work right and I returned it. Capital One will not return the {$1000.00}. I was never able to get the camera to work and I returned it to XXXX Supervisor XXXX XXXX was the last person I spoke with at Capital One regarding this matter.
Consumer complaint received 2022-03-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Farrell Holdings, LLC (AZ)

Account : XXXX Insurance policy updated and sent to PAC, and another request to stop abusive charges, related to insurance.

INSURANCE UPDATED AS REQUESTED.

COMPANY INFORMED ABOUT IT Company does not reply confirming they received the information and removed any charges.

Requesting for the 3rd time to have the information about paying the remaining balance, and fully pay off the loan. 

Company does not respond properly. 

Federal agencies should overlook this company closely, if they are adopting abusive practices against customers. 

I need to finish this loan ASAP and I am requesting the balance of this loan, and they don't reply the request.
Consumer complaint received 2022-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC (IL)

ATG responded on CFPB XXXX # XXXX, they'll remove collections account from my credit report and send proof of debt on XX/XX/22. As of XX/XX/22, I was notified that this account is reporting on my XXXX and XXXX credit report when at first it was only reporting on XXXX. They stated that'll remove it it should've been removed immediately instead they posted this unverified account to the other credit bureaus. If this account isn't removed from my credit report by end of business day on XX/XX/22, I will file a complain with the attorney general and a small claims against them and request that they pay all lawyer'e fees as they're validating my consumer rights to be informed of this debt. The documents that they provided in the previous case showed a 0 balance so this make me think they're con artist and they need to be sued.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and 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 2021-04-12
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: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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
Consumer complaint received 2022-03-07
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. (CA)

Regardless of the multiple written requests, the 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 Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXXXXX 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
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act 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 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-15
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. (OH)

I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX
Consumer complaint received 2018-08-07
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. (VA)

On XX/XX/XXXX, I applied for a car loan online. Through the company I was applying for, they ask for a credit report from Transunion for {$1.00}. I put my credit card information to pay for the credit report. I was then directed to the Transunion website to create a username and password to put in my information to get the credit report. I completed the tasks and the credit report was sent to the company I applied to. On XX/XX/XXXX, Transunion took out {$19.00} out of my checking account. When they took out {$19.00}, my account went into the negative which {$27.00} was also charged to my account for overdraft fees. On XX/XX/XXXX, I called Transunion to speak with them on why they deducted the {$19.00}. I was told that when I paid for the {$1.00} report and was directed to create a username and password they automatically put me in a free trial. I told the lady that I spoke to that I did not agree to a free trial. I asked her to cancel what they had me signed up for and I asked to be refunded my money. I was told that Transunion does not do refunds. I then asked to speak to her Supervisor she said there were no supervisors there.
Consumer complaint received 2019-11-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I made an allotment from my government XXXX to USAA savings and made the mistake of using my member I.D number instead of my account number. Come to find out my member ID is some XXXX XXXX guys account number. USAA never matched the name, social or DOB on the transfer. 
I notified USAA on what happened and its been almost 2 months of trying to get the money returned. 
First your member ID should never be another persons account number, second my other information I.E, social, DOB, address shouldve been matched and was not. 
USAA customer service is now farmed out for the most part, so far Ive been on the phone for over 6 hours total, the TSP representatives have been very helpful and have been on most of the calls with me. A number of security steps were missed and USAA is attempting to ask for the money back. XX/XX/XXXX going on 75 days and USAA as still not taken action against the other member who excepted and withdrew money not belonging to them Ive spoke with everyone and the CEO about this Why hasnt a theft or fraud report been filed also
Consumer complaint received 2022-03-07
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. (CA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX DBA XXXX XXXX XXXX
Consumer complaint received 2022-03-07
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. (CA)

Regardless of the multiple written requests, the 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 Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX DBA XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I have been disputing fraud accounts on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft affidavit, yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the items to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a DISCHARGED DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$87.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Balance : {$630.00}
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2021-06-08
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: Business & Professional Collection Service Inc (WA)

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. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (TX)

Upon checking my credit score i noticed a loan for XXXX from a company called XXXX XXXX XXXX i have disputed this account with all 3 credit bureas and XXXX and XXXX removed the account but equifax has not removed this account from my credit account equifax provided them my police report and they have yet to remove it still so i am working closely with the police department to help get this resolved i also asked them if they could remove this from my credit bureau and they stated no that they could not do that untill the issue is resolved so at this point i no longer want to talk or deal with them because the awnser they gave me lead me to believe that they are trying to make it look as if im the one that did this i am a victim of identity theft i have been for many years and there is a fraud alert on my credit report so i dont even understand how it even got threw my equifax score has decreased because of this i am going to file law suits against them if they do not remove this account this is part of my WARNING!!!! to them is step 1 filing a police report and step 2 filing it threw CFPB opened XX/XX/2018 term 60 months monthly payment XXXX it shows open and its a unsecured loan it also shows that it is late in which this account is a fraudulant unauthorized account that do not belong to me Please remove this from my equifax credit account or else.
Consumer complaint received 2022-06-19
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. (OK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX, XXXX XXXX XXXX, uplift XXXX, XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc. (DC)

On XX/XX/2022 I received a letter from Peter Roberts & Associates XXXX Inc stating that I owed {$990.00} to XXXX XXXX. After first disputing the debt the collection agency has continued to pursue collection on the debt even though their client has illegally failed to file the claim against my health insurance after asking them to for over XXXX months.