davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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/21, fraud was committed on my checking and credit card accounts with Wells Fargo. 
{$7200.00} was sent via cash advance from the XXXX  credit card into the checking account. 
From the checking account, the perpetrator wired the {$7200.00} ( from the credit card ), along with around {$2000.00} ( from my checking ) to another account. A wire transfer fee of {$30.00} was charged to my checking, a {$360.00} cash advance fee & {$61.00} interest charge were charged to my credit card. Charges are still present & fees continue to pile on I reported this to WELLS FARGO on the day that this occurred & communicated that I did NOT authorize any of these transactions. Representative filed a claim and assured me that this issue would be investigated & resolved. Also, I was told that the issue would be addressed and my funds restored within 10 business days. I have called regularly to check in on the status but there is still no resolution. 

Despite Wells Fargo having years of transaction records for me, it still failed to identify and protect me from the fraud when it was clear that my bank accounts showed extremely irregular banking activity. 

The fraudster was able to gain access to my online Wells Fargo account by having my login, and proceeded to complete a cash advance from my credit card to checking account, and wire transfer thousands of dollars to a bank unfamiliar to me and to which I do not hold an account with, all without my consent. 

At no time during any of the transactions or before did any Wells Fargo employee or representative take any action to halt the cash advance or wire transfer or protect me from fraudulent activity related to my online account actions. 

Despite the extremely irregular and large transfers in a very short period of time, occurring in my Wells Fargo account and the unauthorized remote logins, Wells Fargo failed to timely act, secure and protect my money. 

Wells Fargo owed a contractual and fiduciary duty to protect my ( the consumer ) funds, due to the company breaching its own Deposit Account Agreement by failing to take proper action to stop the fraud and by failing to immediately recall the wire transfer, which Wells Fargo neither flagged or attempted to stop. 

In addition to losing the money I trusted to be secure in the Wells Fargo checking account and the amount of debt that Wells Fargo is expecting ME to reimburse them for ( my credit balance had been at {$0.00} and my payment status ( prior to this incident ) as reflected on XXXX was on time, never late for several years ), I have also suffered emotional damages including XXXX, XXXX, and XXXX XXXX XXXX. 

I accuse Wells Fargo of negligence/voluntary assumption of duty, breach of contract, and violating unfair trade practices and consumer protection law.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My Transunion credit reporting is reflecting a collection account in amount of {$290.00} from XXXX XXXX  from XXXX Ma. The phones numbers associated with business are not in service and no communication confirmed. This account was supposedly verified by Transunion which is false. I want the collection off my report I never received any communication from collection agency regarding this account as it is most likely not mine.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

I contacted Lexis Nexis about 3 bankruptcies showing on my Lexis Nexis file. I inquired about the information they are reflecting and they responded that they was unable to verify the bankruptcies and they would remove it from my report. They have failed to remove the bankruptcies from my report and in which has delayed the removal of the items from the bureaus.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (LA)

My XXXX year old daughter 's SSN has been stolen. Someone has been attempting to use it and has used it for the last year and a half. They have purchased a car and taken out a loan. It is almost impossible for me to do anything about the problem. The credit bureaus make it extremely difficult to correct the problems or even freeze her credit. They want me to send all of her ( and my ) SS cards, birth certificates and my drivers license through the U.S. postal service to a P.O. box before they will even talk to me. So if someone didn't already have all of her information they probably will now that I have to send copies of it to 3 different bureaus through the mail. It is absolutely ridiculous!! In the meantime, criminals are spending away. And the amount of time I have spent on this issue is absurd. The laws have to be changed so that they aren't in the criminals favor. It's too easy for them and too hard for parents. Thank you.
Consumer complaint received 2023-01-18
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. (NE)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 XXXXXXXX
Consumer complaint received 2022-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

XXXX Contacted Fifth Third Bank for a copy of my file and requested a copy of the XXXX XXXX. As of XX/XX/2022 have not received the letter. According to Resp 12.U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) | Consumer Financial Protection Bureau ( consumerfinance.gov ) I am in fact entitled to receive the letter. The Qualified Written Request was submitted XX/XX/2022. No response from Fifth Third Bank XXXX Contacted Fifth Third Bank for a copy of my entire file. There were too many inconsistencies from department to department. As of XX/XX/2022 have not received the letter. According to Respa 12.U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) | Consumer Financial Protection Bureau ( consumerfinance.gov ). I am in fact entitled to receive the letter. The Qualified Written Request was submitted XX/XX/2022. 
No response from Fifth Third Bank Contacted the XXXX XXXX XXXX, XXXX one of the lawyers from XXXX via email dated XX/XX/2022 to make sure the right law firm was handling the case. The phone numbers match but the address on the Urgent Notice of Acceleration of the Mortgage Loan : Payment Due in Full Does not match. The law firm on the letter is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX XXXX. The email XXXX XXXX XXXX sent me does not have an address only a website www.codilis.com. 

Notice not sent of the transfer of my mortgage to XXXX XXXX XXXX. The title company I closed with is XXXX XXXX XXXX XXXX XXXX. I can't tell if this is the original document or a fake.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I purchased some eBooks from XXXX using my XXXX account. ( my motivation was just that I wanted to read them, not particularly for any formal or academic purpose ). The computer made it appear as if I was going to be charge to my debit card. But my debit card did not have enough funds to pay for the eBooks. So, instead of denying the charges for the books, the computer decided to approve the orders and charge the cost of the eBooks to my father 's credit card, because of the fact that I had stored his credit card in the XXXX website when I had purchased some eBooks on his behalf in the past, ( like about six months ago ). The computer accessed his credit card without his authority and without me knowing that it was being used and then caused me to lose my debit card privileges with Wells Fargo Bank because of the stated policies of Wells Fargo about how the computer interprets the actions that appear to be some type of fraud. But the blame resides on XXXX because they did an act of deception by not informing me that my father 's credit card was being charge for the books that I thought were being charged to me.
Consumer complaint received 2020-07-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (TX)

On XX/XX/XXXX, I've reached out to my mortgage company, " Veterans United '' ( VU ) to inquire about who will pay the property tax to the counties, XXXX and XXXX. The response I received was that XXXX XXXX will have to be paid by me, but XXXX XXXX tax will be paid by VU. 
Fast forward 7 months, on XX/XX/XXXX, I get a letter from VU which stated my delinquent property tax payment to XXXX XXXX XXXX {$690.00} ) although this tax should have been paid by VU on the last day of XX/XX/XXXX. Immediately I reached out to VU and asked what happened because as of XX/XX/XXXX, the incurred tax penalty was {$83.00} dollars. To stop penalty from accumulating any further, I had made a payment directly to XXXX XXXX. 
Fast forward another 2 months, on XX/XX/XXXX, I was able to reach a resolution with VU by receiving their agreement to reimburse me the amount of {$83.00}. However, even after a month after the agreement, VU has failed to reimburse me the penalty that I was at no fault of. Every time I call VU, all I get hear back from different service representatives is same talking point that I've been hearing over and over since XX/XX/XXXX.
Consumer complaint received 2022-04-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Link Management, LLC (AL)

They have harassed my family and friends with multiple calls and text messages a day whos numbers were not provided in any way, as well as called myself multiple times a day from different phone numbers. I have already requested that all communication of the alleged debt be provided in paper form. The calls often frequent upwards of 5 times a day if not more. They have previously been provided my current mailing address and refuse to change form of communication. A voicemail received from a family member on XX/XX/22 stated that I was the last attempt to reach information for XXXX XXXX, but they continue to harass with phone calls
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX my DOB XX/XX/XXXX SS XXXX. My current employer is XXXX XXXX XXXX XXXX-current. please remove the following employers they are not accurate XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
The following addresses listed are incorrect and not accurate please delete : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I have several unknown phone numbers on my report please remove the following phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My XXXX year old daughter 's SSN has been stolen. Someone has been attempting to use it and has used it for the last year and a half. They have purchased a car and taken out a loan. It is almost impossible for me to do anything about the problem. The credit bureaus make it extremely difficult to correct the problems or even freeze her credit. They want me to send all of her ( and my ) SS cards, birth certificates and my drivers license through the U.S. postal service to a P.O. box before they will even talk to me. So if someone didn't already have all of her information they probably will now that I have to send copies of it to 3 different bureaus through the mail. It is absolutely ridiculous!! In the meantime, criminals are spending away. And the amount of time I have spent on this issue is absurd. The laws have to be changed so that they aren't in the criminals favor. It's too easy for them and too hard for parents. Thank you.
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc. (IL)

I started a business and opened a checking account with XXXX XXXX  in XXXX. As condition with my Board, I opened also a gym membership early in XXXX to mitigate a XXXX process. My acct number for the bank acct is XXXX. By XXXX, COVID became a central theme for globally. My doctor wrote and ordered isolation as I am an at risk contender. My order was sent in the mail, and submitted to the gym asap in XXXX. Shortly thereafter, the State of Illinois was ordered into a Mandatory Quarantine by the Governor. I learned that the gym through its third party collection company XXXX XXXX, had continued to bill my account causing it to go into negative status with fees from the gym and overdraft fees by the bank in XXXX. It was submitted into Collections in XXXX, but under quarantine, was not monitoring that account. 
The account number for the gym being XXXX, I called XXXX immediately, who waived all charges in XX/XX/XXXX/XX/XX/XXXXfor an account that was restricted in XXXX and placed into collections. Though the gym attempted to reverse charges after the fact, those reversals took NO EFFECT, as the account was closed and the reversal bounced back/returned to the XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) then admitted that the charges took place and were in error but that I should return to the bank for resolution. I have that email as evidence. Going to the bank and speaking with XXXX a Supervisor with the bank 's XXXX XXXX branch, I was directed to MER-Merchants & Medical Collection XXXX and spoke with XXXX, the Supervisor for account XXXX ( XXXX ), who stipulated that XXXX XXXX needed to issue a check for {$310.00}. 
Today, XXXX XXXX of XXXX XXXX continues to persist that they had a legal right to continue to withdraw my money despite and that it was on me. None of the representatives have since attempted to resolve this matter, and I and my business has been severely damaged. A {$6.00} XXXX dollar investment into my business has been blocked as the account was closed without my knowledge or notice and as a result payments have been burdened by this XXXX XXXX event which poses the risk of my being liable for {>= $1,000,000} in default payments despite the very real attempt to desposit and make payment into an account in good standing. I need help and restoration. 

The address for the above account at XXXX is XXXX XXXX XXXX XXXX XXXX, IL XXXX The address for the gym and XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-11-27
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)

I have contacted Equifax via certified mail multiples in XXXX, XXXX, XXXX ( XXXX & XXXX ) and XX/XX/2021 about removing the fraudulent items on my report and i also sent them my FTC Identity theft form notarized. They still have not the negative fraudulent items.
Consumer complaint received 2022-11-05
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: Experian Information Solutions Inc. (NV)

I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? 

there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 

if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit XXXX XXXX Experian Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Share Agency Name XXXX XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, 2022 XXXX XXXX, 2022 XXXX XXXX, 2022 Original Balance {$360.00} {$360.00} {$360.00} Current Balance {$360.00} {$360.00} {$360.00} Responsibility Individual Individual Individual Status Unpaid Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department
Consumer complaint received 2020-07-18
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. (FL)

id theft victim these reporting accounts are not mine XXXX XXXX {$51000.00} not mine XXXX   XXXX {$260.00} not mine XXXX  XXXX  XXXX  {$6300.00} not mine XXXX   XXXX, XXXX / XXXX  {$11000.00} not mine XXXX/XXXX  {$4700.00} not mine
Consumer complaint received 2020-07-18
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. (FL)

id theft victim these reporting accounts are not mine XXXX XXXX {$51000.00} not mine XXXX   XXXX  {$260.00} not mine XXXX  XXXX  XXXX  {$6300.00} not mine XXXX   XXXX, XXXX / XXXX  {$11000.00} not mine XXXX/XXXX  {$4700.00} not mine
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (PA)

I received the letter Citi Reference Number : XXXX. They did not answer my questions, and have presented more questions. 
First, this is not about my account XXXX. This is about my now closed account XXXX. 
Second, Citi did not answer my question - Please tell me which of these refunds are accurate : ( 1 ) {$1.00} Recon ID # XXXX ( 2 ) {$38.00} Recon ID # XXXX ( 3 ) {$39.00} Recon ID # XXXX ( 4 ) {$39.00} Recon ID # XXXX ( 5 ) {$39.00} Recon ID # XXXX ( 6 ) {$39.00} Recon ID # XXXX Third, I have no idea what Citi is talking about when they say " A letter was sent dated XX/XX/XXXX, which requested that you provide a copy of a credit slip or written confirmation of credit from the merchant. Because this requested documentation has not been received, the conditional credit was reversed. '' I never received any letter. And why would Citi need a confirmation of credit from XXXX - if I'd received a credit I wouldn't be disputing the charge. Fourth, Citi please explain what you mean by " Citi would like to remind you that federal regulations may require us to report your
account as past due to the consumer reporting agencies listed below if we do not receive the minimum payment by the due date shown on your billing statement. '' My Citi credit card is automatically paid in full
every month from my XXXX XXXX account, and I have not refused to pay any amounts. Has Citi not received my payment?

Fifth, I don't know what Citi means by " Because you disagree with the resolution of your disputes, we will request the reporting agencies add a note to your credit profile stating that the information is disputed by the consumer. This will remain in place until your
outstanding account balance is paid in full. '' I do NOT give Citi permission to place any such note on my account.
Sixth, Citi still hasn't sent me a pdf of my final XXXX bill. It is pathetically ridiculous that Citi attached all my credit card statements from XXXX - XXXX! - but did not provide the final credit card bill for XXXX.
Consumer complaint received 2022-08-13
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: EQUIFAX, INC. (GA)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX