davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/23 I noticed that the company ( XXXX XXXX XXXX ) whos taking out money on my account was a fake company. They somehow got ahold of my information and used my account number and routing number to withdraw XXXX transactions of {$380.00} = {$770.00}. I called Wells Fargo to submit a claim in regards to this fraudulent transactions and denied my claim due to the way the scammers took out my money. They informed me that from their end I was the one who took out the funds ; and they cant help me. They said to call the scammers back and try to get my money that way. So long story short scammers had my info, used it to take out funds but Wells Fargo wont refund the funds due to the way it was taken out of my account. Also theyve been putting holds on all my funds I deposit which is affecting me and my credit due to unable to access my funds
Consumer complaint received 2018-11-10
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: Southwest Credit Systems, L.P. (TX)

XX/XX/XXXX Southwest Credit Sys I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score. 

Account Number : XXXX Reason : [ Fraudulent account ] I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. I spoke with a service rep for this company and she couldn't locate an account with my name in response to the debt posted on my credit report. Please remove immediately. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Tx XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-12
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. (PA)

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the fair credit reporting act i believeXX/XX/XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-02-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

My home loan with XXXX Mortgage was very good, then Fay Servicing took over the loan and the nightmare began. 1 ) I got a very delayed notice of the takeover. 2 ) They did not accept payments the way XXXX had accepted them - from my bank. 3 ) during the first two payment periods ( within the 60 days ) they charged me " fees '' of over {$200.00} with no explanation. 4 ) They will not answer a phone inquiry promptly and have only sent me one bill/statement even though they took over the loan XXXX 2021. 5 ) They are one month behind in calculating my mortgage- in other words they are trying to charge me for an additional month of payment 6 ) because of their purposeful strategy of no communication it makes it completely impossible to deal with them. 7 ) I know how good mortgage companies operate because XXXX and the prior one to that XXXX were always very helpful and responsive. There must be many complaints about this company as there is no way they could only be doing this to me.
Consumer complaint received 2019-03-30
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: U.S. BANCORP (KY)

I was incarcerated for almost 10 years. I was released XXXX. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX  and XXXX XXXX signs. They have listed multiple accounts as well as bad checks. US Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and a bad check to XXXX.
Consumer complaint received 2018-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Beginning on XX/XX/XXXX, I have been in contact with several individuals working with Fifth Third Bank customer service line at XXXX. The issue involves a money order that was paid in XX/XX/XXXX. All of the individuals that I have spoken with have never resolved the issues related to the money order some of their names include XXXX XXXX, Supervisor at the call center, XXXX XXXX, Personal Banker in XXXX Ohio, XXXX XXXX, Supervisor of the call center. Specifically I went to a a XXXX, Ohio Bank on XX/XX/XXXX, and spoke directly to XXXX XXXX who provided me with false information regarding the price of my bank statements. XXXX XXXX told me that the cost of my statements is 5 a page when it only cost 5 dollars for a statement. XXXX XXXX threatened to call the police on me because I asked for a copy of my statements. Furthermore, I have been informed that XXXX XXXX wrote a note on my account stating that I mentioned filing a lawsuit against the City of XXXX. I never mentioned anything regarding a lawsuit against the City of XXXX and all of the information that XXXX has written on my account is false. She also provided me with false information regarding my account. In addition XXXX XXXX refused to provide me with the name of the individual/company who endorsed a money order on XX/XX/XXXX. I would like to have a fraud investigation because I believe there is fraud going on with my account and I would like the CFPB to oversee the fraud investigation
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/year> to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports XXXX XXXX XXXX - XXXX
Consumer complaint received 2020-02-05
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To whom concern, I contacted capital one via mail and asked to validate a account that they say is mine. I requested that they capital one send me the following proof as they are obligated to do in accordance with the debt collection practice act, section 1692g under the law they have thirty days to supply proof, capital one did not instead placed a disagreement code with a resolution of dispute on credit file, that is not what the law says, I have not received validated information as i requested
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I was looking over my credit report and found two accounts that don't belong to me XXXX account for {$1600.00} date open XX/XX/2023 and XXXXXXXX XXXX XXXX  for {$250.00} date opened XX/XX/2023 debt buyer is XXXX XXXX .according to the 15 usc 1681 law, there should not be any damages on my report is a defamation to my character.
Consumer complaint received 2022-07-12
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. (DC)

In accordance with the Fair Credit Reporting Act. The companies listed below violated my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 a states I have the right to privacy.

15 U.S.C. 1681 Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2022-06-18
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. (WI)

XX/XX/2022 XXXX XXXX  Account Number : XXXX 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
Consumer complaint received 2019-09-03
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. (NY)

I contacted the student loan agency about me being in deferment and I was still reported late. They said it will be updated but nothing happened. The credit bureau didn't follow guidelines and still reported me late.. I came to this country with a vision to succeed. I would never be late on my bills. I work hard to survive and make it.Please help with justice to get these 13 lates removed from my report. Its actually one loan but its reported different on my report. I contacted the student loan to verify. Im beibg reported late 13 times. Please help to update my report
Consumer complaint received 2022-06-18
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. (WI)

XX/XX/202XXXX XXXX XXXX Account Number : XXXX 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
Consumer complaint received 2022-02-24
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. (AZ)

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to TRANSUNION Bureau for them to verify and investigate those accounts. The 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 Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX Balance {$1400.00} XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance {$1600.00}
Consumer complaint received 2018-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Hello, There was 2 separate transactions ( {$100.00} ) and ( {$150.00} ), on XX/XX/XXXX and XXXX. This happened at the ATM, using a card-free access. I filed a dispute on XX/XX/XXXX, since Wells Fargo was have a system failure ( on my end, until XXXX ) and they denied my claim, because they had assumed it was authorized, when in fact, it was unauthorized. I was in another city at the time of the transaction and this is unacceptable.
Consumer complaint received 2019-09-03
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: EQUIFAX, INC. (NY)

That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Some body used my personal Information. Please remove this account from my credit report as soon as possible.
Consumer complaint received 2018-11-11
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. (NY)

there is an account on my credit report for a XXXX phone bill that is not mine.i have spoke to XXXX  in begining of XXXX when i found it on my credit report and they even said it was not my account and that i had to contact the collection company to starighten thing out.so i called and i didnt get an answer so i called and called for weekes and i finally talked to someone and they said that i would be taking care of so i waited a month and nothing was still done so i contacted them again and same thing they said it would be taken care of, now almost 3 months into this it still isnt off my credit report and i cant get ahold of the collection company they wont call me back or answer when i call so i tryed to dispute it with the credit report company and they wont remove it either.so im pretty stuck on what to do now on how to go about getting this account off my credit report.everyone seems to be dragging their feet on this and not doing anything to help me get this account off my credit report!
Consumer complaint received 2018-11-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: U.S. BANCORP (MN)

On XX/XX/XXXX, we had opened up Home Mortgage account with US Bank in XXXX, MN. Along with that they opened up Line of Credit account without our knowledge. Getting to the content of the description. We paid of Home mortgage on XXXX of XXXX. Our accounts with US Banks were closed. However, they kept our line of credit account open, which we were not even aware that we had one with them. Anyhow, we did not use line of credit as we were not aware of having an account. However, US Bank kept charging us {$29.00} to $ 24 monthly service charges from XXXX of XXXX to XX/XX/XXXX resulting the total charges of {$540.00} that we were not aware of. 
I went to US Bank in XXXX of XXXX for other banking and that's when I found out that there was {$540.00} charges on so called " Line of Credit '' account with US Bank, which gave me shock at the moment. 
Since XX/XX/XXXX to XX/XX/XXXX, I was with US Bank asking them to resolve this issue since these were not legit charges. At one point I was given assurance that it will be removed. However, On XX/XX/XXXX, when I ordered my credit report through experian, that when I fount out that US Bank had wrote a charge off on this amount of {$350.00} and it's on my credit report, which should not have been there. 
I'm bagging for your help to resolves this issue with US Bank in our favor since these are service charges that we have never used the service of. 
Please help me by talking with US Bank and finally to credit reporting company experian to sort this. 
I'll really appreciate your time in resolving this matter. 
Should you have any questions, my phone number is ( XXXX ) XXXX. 
my email address is XXXX Thanks in advance.
Consumer complaint received 2022-06-18
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: OneMain Finance Corporation (OH)

I sent letter out to the creditors and XXXX i Heard back from XXXX but none from the creditor XXXX said they cant remove it without a letter from the creditors but they want even respond back to my letters
Consumer complaint received 2022-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CO)

JEFFERSON CAPITAL SYSTEMS LLC. licensed out of Minnesota with a phone number of XXXX ( XXXX ) XXXX ; - continuosly violates CFR 31 1.32 after i have repeatedly explained the regulation ; - refuses to provide proof of claim ; - refuses to accept my tender of payment ; and- refuses to close and settle the account. 
Note : All over the phone -- all calls are recorded by both parties. 
I would like to send written notice but they refuse to provide the account details so that i might notate the account for settlement and closure. 

Account Details to the best of my present knowledge : name : XXXX XXXX DOB : XX/XX/1992 Adress : XXXX XXXX XXXX XXXX, Colorado XXXX In-short ; they sure seem to be demanding a lot but cant provide anything in return. 

Finally, it would appear that this debt collector, as per the XXXX profile associated with my person, has in-fact purchased this debt. Therfore i am no longer party to this contract. 

[ *NOTICE* You, JEFFERSON CAPITAL SYSTEMS LLC. , have 30  days from the date of this complaint to either ; 1 ) Provide lawful Proof of Claim to my address as you have on file via certified mail ; and/or 2 ) Pay to and for the account of The United States as per 12 USC 95a ( 2 ) and/or 50 USC 4305b ( 2 ) as the obligations rest within 18 USC 8 ; else you agree to settle and close the account in full within the above alotted 30 days. 


w/o respect, XXXX XXXX XXXX ( signed ) XXXX ( sealed ) w/o recourse ( delivered ) ]
Consumer complaint received 2018-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLENN ASSOCIATES MID-ATLANTIC, INC (WV)

This account as a result of identity theft. I have trying to speak to these people and they are insistent that I give them money but I do not know them and I have tried to tell them multiple times at this is not my account they have called me repeatedly they have damaged my credit and I need this fixed immediately
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022 i made a mobile app deposit to my Capital One 360 checking account ending in XXXX in the amount of XXXX unfortunately the bank wouldnt release my funds because they allegedly needed to verify the remitter of said check that was XXXX  months ago! Since then i have made a few efforts on my own to get Capital One to actually get on the phone and call the remitter in this case XXXX XXXX and their partner bank XXXX XXXX bank i actually have had XXXX agent verify the check with XXXX XXXX but have had difficulty verifying with XXXX XXXX because of their policy of being unable to speak on a recorded line like the one Capital One uses!