davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo continues to deny that I reported fraud in XXXX, XXXX  when my purse and ID was stolen from a church in XXXX XXXX at a pre XXXX dinner at the church. The ladies went downstairs while I took my dog outside to go to the bathroom. The Church was unlocked, which was located across the street from a questionalbe looking old brick housing building My ID, XXXX  XXXX XXXX, XXXX  Drivers License, XXXX  Birth certificate and Wells Fargo Credit card were obtained by the unknowns that stole my wallet. 
I reported this to their credit card fraud line. It was also report to Wells Fargo Bank in XXXX and also in XXXX, XXXX. 
While living in XXXX, XXXX I was receiving calls from a unknown workman 's Comp Physician 's / Attorney who knows who this individual is that was using my phone number for his/her contact regarding workman 's comp injuries. The call came in from XXXX, XXXX There were numerous calls violating HIPPA laws of these medical professionals/ Law firms. The XXXX Police told me to report the unwanted/ HIPPA calls to the XXXX Police XXXX which I did. Wells Fargo refuses to investigate this report and continues to cover-up this fraudualant activity and expects me to pay for these criminals. 
Calls for XXXX XXXX calls were coming in from a prison. I do not know who these unknowns, nor would I accept calls from prison. I called Wells Fargo and reported these chilling calls. 
Also, when I established an apt XXXX address in XXXX I reported fraud on my credit card and the XXXX Wells Fargo tried to cover it up. I also took the docs of fraud to the Wells Fargo bank and this bank stated. '' They faxed them to the executive offie. 
The fraud continued and other Wells Fargo Branches in XXXX have been shown these documents and try to help, but state it is up to the Executive Office. Denial continues with the Bank. 
The XXXX  XXXX is also aware of the fraud of an individual in XXXX XXXX XXXX using my identity and obtaing PUA benefits from XXXX. Wells Fargo refuses to investigate the XXXX Police legal documents. 
I will not pay for XXXX XXXX Calling Cards for inmates and I will not pay for an unknown individual 's dinner in XXXX XXXX especially when I do not take unknowns out for dinner. 
I can't afford it and plus I was not in XXXX XXXX. The XXXX  XXXX XXXX has documents that I was in XXXX  providing XXXX documents to obatain employment. 
I will provide those documents. XXXX has those documents. 
Wells Fargo denies the truth! Also, purging of my original documents exists in XXXX, XXXX XXXX. Told by 2 Wells Fargo Bank that this individual was fired. 
This needs to be investigated why my bank account docs were purged. 
No, they are still covering up fraud. 
XXXX XXXX
Consumer complaint received 2019-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

A company called XXXX XXXX reported 2 accounts on my EQUIFAX account.I try to contact that company to ask where those accounts come from and they do not have a correct info they was told to me that they are a third party collection company.I ask for accounts information and they have not all completed info.I contact equifax to complain and they was told to contact that collection agency, after i explain that i contact the collection agency and they do not have correct info, still EQUIFAX refuse to resolve my problem and they still have on my file those information even that they are incorrect and with errors.This is action a taken against me is on unappropriated.With out any prove they keep still on my file those reports
Consumer complaint received 2020-08-28
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. (TN)

My first dispute was sent on XX/XX/XXXX for identity fraud. I sent an FTC report along with a police report. Transunion is refusing to remove 4 items from my credit report. They are XXXX XXXX XXXX XXXX. XXXX, XXXX, and XXXX XXXX XXXX XXXXXXXX. I want these blocked from my report. I received results that these were verified so I called on XX/XX/XXXX to start another investigation. I just want these items removed completely instead of them XXXX them out.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

I went to a chase bank and asked for my JP XXXX XXXX a week before the payment was to be late and told them I wanted to pushed back at the end of the loan, they said it was done and it wouldnt report late if I were to pay it, so I waited until I got paid again because of Covid and paid it. However its showing a late payment is on my report
Consumer complaint received 2018-07-10
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. (TX)

The XXXX XXXXXXXX account I am disputing is reflecting negative on my credit report. I paid this off in XX/XX/2016. I shouldnt have a balance reflected on my credit report. I disputed this more than once and it comes back that it wasnt paid. I am attaching a receipt of payment stating its paid in full. This is under my previous name XXXX XXXX. I need this fixed asap to reflect XXXX on my credit. 
Thank you XXXX XXXX
Consumer complaint received 2020-08-28
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. (GA)

On XX/XX/2020, I mailed a dispute to TransUnion with a certified receipt. My dispute was for the inaccuracy of two Chapter XXXX listings under Public Records of my credit report. Enclosed with the dispute letter was a letter from the US courts verifying that the courts do not provide any information to Credit reporting agencies. I also sent the same dispute to XXXX. TransUnion completed their report on XX/XX/2020 with a result of finding the Chapter XXXX information to be accurate and recommended disputing my inaccurate information with the third-party vendor, XXXX, whom furnished the information to TransUnion. XXXX completed the same dispute on XX/XX/2020 and stated that the information could not be verified in the timeframe oulined by the Fair Credit Reporting Act and subsequently removed both chapter XXXX filings from my XXXX report. I filed another dispute with TransUnion, sent by certified mail on XX/XX/2020 for reinvestigation of the the inaccuracy of information of the chapter XXXX listings on my credit report. Enclosed with the dispute letter sent to TransUnion were my XXXX response and the letter sent to me from the US Courts stating that the courts do not provide information to credit reporting agencies. TransUnion completed the XX/XX/XXXX dispute on XX/XX/2020 stating that the information was accurate and will remain on my credit report. On XX/XX/2020, I called TransUnion and verified with their Dispute Supervisor that the documents that I mailed, the US Courts letter and the XXXX report were received. The Dispute Supervisor read both documents to me. The Supervisor stated that TransUnion will have to have the courts send them a letter stating that both filing of Chapter XXXX were discharged. The Supervisor read the letter from the US Courts stating that they do not provide information to credit reporting agencies, but insisted on refusing to remove the information from my credit report. TransUnion refusal to remove the inaccurate information on my credit report is clearly a violation of both the Federal Trade Commission and Fair Credit Reporting Act. Please assist me in having TransUnion remove the inaccurate information in accordance with the Federal Trade Commission and Fair Credit Reporting Act.
Consumer complaint received 2017-08-28
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)

there are few inaccurate reporting on the credit report for the following account, XXXX card acc # XXXX, date opened XX/2009 please find attached the upload letter from the creditor for which they have approved to remove the inaccurate lates reporting on my credit file. 
i have already forwarded the letter from creditor to all three credit bureaus and requested to remove but they have not, i need your help in order to do so. 
thank you for your cooperation
Consumer complaint received 2018-07-10
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ECMC GROUP, INC. (AL)

Ok I received a bill from .. XXXXXXXX XXXX XXXX XXXXXXXX XXXX , XXXXXXXX reference # XXXX Guarantor Educational credit management Corp .... well the problem is I do not know this people I never did business with them I dont owe the not aware of this bill ... first of all I never had a account from XXXX XXXX  XXXX like it  stated..second they called me and when I said I dont no what they are talking about they got XXXX he cursed me . Because I would not acknowledge this bill cause its not mind ... can you help please I dont want them to contact me ever .... XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, In XXXX .... help me please
Consumer complaint received 2016-03-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I opened a Bank of America core checking account XXXX 2016 in response to an email offer that provided a bonus of {$100.00} if XXXX direct deposits of at least {$250.00} each were made within 90 days of account opening. It also says that after meeting the requirements " BOA will make every attempt to deposit the bonus within 60 days. '' However, after questioning BOA reps two times now via chat, I 've received conflicting information. Some say there was no chance of the account even being considered for the bonus until 90 days have passed, some can not tell me what bonus my account is coded for, if any. I was even lead to believe by the first representative that I should see the bonus within a week. That has not happened. I understand that I 've met the terms as of XXXX/XXXX/16 ( my XXXX qualifying employer direct deposit ), so I would look for the bonus by XXXX/XXXX/16. No one has provided that date, and instead make it seem like BOA could wait months after. If that was the case, they should have stated so in their offer. I just want the date I will receive the bonus, otherwise, I am sure I would have ended up submitting a complaint after another several weeks of being given the run-around after XXXX/XXXX/16.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. I, XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
They also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore there has never been any documentation provided that validated any of these accounts. No contract with two wet signatures, no proof of full disclosure, no equal consideration provided, no lawful terms and conditions, no accounting records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-04-05
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. (MS)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2018-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AVANTE (FL)

Old Ambulance bill from XXXX that was never ordered. 
Disputed years ago and was taken off credit report. 
Got a strange call : Is this my name. Responded who is this? Hung up. 
XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive been dealing with Bank of America dispute resolutions department since the end of XX/XX/2022 regarding money in the amount of {$7700.00} that was stolen from my edd card. I filed claims regarding the funds I was told it could take up to 45 days to investigate but within 3days the claims were denied saying there was no error and the transactions were authorized. I asked for them to send me what they used to reach this decision and all I was sent was statements from the account which clearly show the transactions were done in XXXX, and other places that are 2 hours away from where I live. First the cards were never mailed to me they were sent to two address which I have never lived at which Ive stated over and over again second the transactions were done in another country and I have never left the United States of America. I have spoken to numerous representatives and supervisors and Im getting no help at all and they are just giving me the run around over and over again. I have filed a police report as well as sent them supporting documents. Mysteriously they keep saying they never got the documents that have been sent twice and told I can send them again which I should not have to.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am a Bank of America customer. I have an open checking and savings account. I opened an additional savings account for my daughter. I declined opening any other type of account at that time. Immediately upon opening my new savings account, the Bank, of their own volition, decided to open another account called " XXXX XXXX Banking ''. I specifically declined this option yet the bank opened it anyway. In addition, I got an immediate " low balance '' notification and they are charging me a monthly maintenance fee! I called to cancel and am unable to get the bank to close the account. I explained that this was opened fraudulently by them without my application or consent. They are refusing to cooperate with me in closing the account. 

They transferred me to their own fraud department which has opened an identity theft claim despite my explaining to them that the " theft '' was perpetuated by the Bank themselves!
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-04-30
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. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I reached out to Transunion to have this issue solved but they declined to help me. I told them I was a victim of an inquiry issue that they had and they told me I was not a victim but I knew I was because of my credit report. 

XXXX-XX/XX/18 XXXX-XX/XX/18 XXXX-XX/XX/18 XXXX-XX/XX/18
Consumer complaint received 2021-02-21
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: RFNA, LP (TX)

I am behind on payments and I have an arrangement w the office to pay on XX/XX/23. 
I have had this arrangement since XXXX. I don't break sets. They call everyday anyway. I block the calls, calling me isn't going to get it paid faster. Sometimes they call two or three times a day. Seems kind 've XXXX to me. 

So yesterday they made an inquiry on XXXX. I guess to generate a call from me. I already have a set. So my score went down 10 points on that bureau. I do not appreciate it.
Consumer complaint received 2021-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Millco Management (PA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the XXXX XXXX breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Consumer complaint received 2015-06-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

A company called me from this number XXXX XXXX XXXX XXXX, and told me that Orchard bank had discharge a debt XX/XX/XXXX and was not planning to take legal action, that I can offer a payment amount and see if they will accept it. I told them that I did not recall having a mastercard in default XXXX years ago. I told them that i will call my lawyer and get back with them in XXXX. XX/XX/XXXX. I felt like i was being presured into owning this debt.