davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Crystal Moroney, P.C. (TN)

On XXXX XXXX XXXX I received a notification from XXXX XXXX stating that I had XXXX new collections reporting on my credit report from XXXX XXXX XXXX XXXX stating they were all opened in XXXX XXXX. I have no knowledge of this debt nor have I ever received any written notification, phone calls, or proof of the alleged debt.
Consumer complaint received 2017-06-03
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. (MO)

I am filing this compliant against Equifax. I have tried to address this issue several times. These accounts are fraudulent and do not belong to me. I have tried to resolve this issue by disputing the inaccurate information by phone, mail, and online. I am going to contact the BBB as well as filing a class action lawsuit against Equifax if this issue persist. These accounts should be removed immediately upon receipt of this complaint.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

Froze my account when large deposits where made making it unavailable for 7-10 days. 
Multiple times! 

Ended up closing my checking account 2 months ago after Ive been a 15 year member of wells Fargo and kept my saving for any charges to be paid in the event I didnt change over to my new back.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account Number : 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 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (CA)

I purchased this Netspend card at XXXX to give to my child on his trip. I bought this card on XX/XX/2022. We tried to activate the card however the system said that I need to speak with a live agent to complete the activation. 
I called back on XXXX  XX/XX/2022 to ask for refund as my child is back from his trip and there is no use of this card. I spoke with XXXX and he spoke to my child and activated the card under his name with out our knowledge. When questioned he said that the card got activated under a Minors name and they can not do a refund. Spoke with XXXX supervisor who said that she can add my name as a primary but I insisted on getting the refund for which she said that her manager is going to call me back in 2 business days. 
I waited for three business days and never received any call. When I called back Wednesday XX/XX/2022 the rep said that there is no Supervisor by the name XXXX and they can not do the refund. I was upset with XXXX for carrying such cards. Its a hassle to get the card activated and if it passes 30 days the card will automatically deduct {$6.00} and for every transaction they charge a processing fee if {$1.00}. 
Thank
Consumer complaint received 2017-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Disputed a bankruptcy on my credit report. Bankruptcy shows an address belonging to me that is not on my report. Also, I have disputed the accuracy of the report, as the Bankruptcy court acknowledges that they do not verify to the credit reporting agencies, and the FCRA requires that they verify with the originator of the derogatory item. This information can not be obtained from a XXXX party source. Experian has not shown proof of whom they have verified this information with.
Consumer complaint received 2019-03-01
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: Fidelity National Information Services, Inc. (FNIS) (MD)

I filed a complain once before regarding an older account that I had with my husband jointly that I was forced to pay. He and I were no longer together and he was told by a judge not to utilize any accounts, yet he did and it was clearly for an item associated with him. A gym membership to be concise. XXXX   advised me to get a police report in order for them to take into consideration and I did. This time around there is Fraud on my report and that was reported not only to the police but the XXXX because an ID Card of some sort was made using Maryland when I have been a bonafide District of Columbia resident for over a decade. I am tired of having this affect my ability to bank within normal capacity and something needs to be done as it is unlawful to maintain a record of fraud on someone's report. I have not had any problems with companies that understand how the Fair Credit Act works. I am wasting time and resources fighting this agency and do plan to file a complaint with The Office of Attorney General today as well. I have given the police reports and formally written dispute via U.S. Mail.
Consumer complaint received 2019-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (WA)

This credit company has filed bad payment reports that have affected my credit score significantly, never had miss a payment and the bank lowered my credit limit taking away the available balance that was already payed, they keep bumping the fees and keep charging so they make it seem like the account is past due when it's actually been paid by the due date.
Consumer complaint received 2017-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said tha t one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court.  The attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (CA)

I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my credit XXXX and it has dropped my credit XXXX by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against XXXX for XXXX disparities for their credit reporting practices against minorities. My crediXXXX XXXX dropped then too.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/22 I accidentally transferred {$7000.00} dollars from my Wells Fargo Checking account using Online Bill Pay to an old/closed credit card with XXXX XXXX XXXX XXXX This card has not been used in >8 years ( maybe more ). Per XXXX XXXX XXXX they have not received the money since the credit card has been long closed, and there is no accompanying bank account associated with the credit card. I have spent hours on the phone with Wells Fargo talking to low-level call center employees who tell me that they have to " research '' the issue. However, it has now been XXXX month and Wells Fargo has not returned the money to my account. They are unable/unwilling to give me a receipt or any other proof that the money was indeed sent to and received by XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-01
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: EQUIFAX, INC. (MO)

I have tried for 3 months to get Equifax to show me proof that the 2 account on my report are valid and they just send me a report says it's verified
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (CA)

I submitted a dispute to all three credit bureaus regarding items on my credit report. I just checked my credit score and it has dropped my credit score by XXXX points or more. The justification for the change is bogus. This is retaliation for the disputed letters I sent to them regarding information on my credit report and not notifying me of their investigation. All three credit bureaus deliberately acted against my personal credit account. My payment history has been the same and what they are doing is affecting me to purchase a vehicle. They should not be able to do this to consumers. I made a prior discrimination complaint against XXXX for XXXX disparities for their credit reporting practices against minorities. My credit score dropped then too.
Consumer complaint received 2017-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

In XX/XX/XXXX I closed all my acct with Bank of America. Or so I thought. I regret I did not follow up as I should have. I moved to OH and there is no BoA here so I opened an acct with another bank. I received a letter from BoA date on letter XX/XX/XXXX stating I had an inactive acct with them with a balance of {$400.00} I called and found out that while my savings, money market and reg checking had been closed, my tier checking acct was not. I now had a balance of {$370.00}. After talking with XXXX I find they had been taking a fee out of {$25.00} I was told since XX/XX/XXXX. They could only go back 90 days in their records she said. I talked to a manager, XXXX in SC branch. She said she would credit my acct for {$250.00} of the fees taken and take the rest to the board for a hearing. I asked that the acct be closed then and she said it would take 5-7 bus days. I wrote all this down. I received a letter from BoA dated XX/XX/XXXX stating they were issuing a credit of {$200.00} only. as they assessed the fees taken we of no error. I called back and talked to another manager, XXXX or XXXX and she suggested I write to BoA in XXXX. Then she asks if I would like the acct closed?! I thought XXXX had closed the acct already. This is what happened in the first place saying they were closing the acct and did not, so I had them close the acct AGAIN so fees would not be taken out AGAIN. In all these years not one statement was sent to me letting me know I have an open acct with them. No letters at all. I feel I should be reimbursed for all the fees taken out since XX/XX/XXXX. I will write the letter to XXXX office but feel I am a small fish and nothing will happen in my favor. Can you help?
Consumer complaint received 2023-03-31
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: FIFTH THIRD FINANCIAL CORPORATION (OH)

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and havent received a response. 
Fifth third bank on XXXXXXXX XXXX
Consumer complaint received 2017-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (FL)

On  XXXX   XXXX ,   XXXX  , a fraudulent charged in the account occurred by a company named  XXXX   XXXX  in the amount of {$280.00}.     The fraudulent transaction lead to unlawful excessive bank fees. On  XXXX / XXXX /  XXXX  , the record reveals that was charged the amount of {$100.00}, allegedly because was overdrawn the amount of {$6.00}, {$26.00}, {$60.00}. This incident could have been avoided if Regions Bank would have acted upon a fraudulent activity on the account. Instead charged me the excessive allege overdrawn fee in the amount of {$100.00} In addition the bank charged me {$690.00} in overdraft fees. The account history reveals that the bank continues to charge overdraft fee unjust, charging the same fess again.
Consumer complaint received 2017-06-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (CA)

My SunTrust checking and savings accounts were closed a couple of months ago. I never received a check in the mail for the balance.
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I called SunTrust customer service and they told me that I MUST go into a branch in order to resolve the issue. I was told that a check would be reissued the same day at the branch.
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When I got to a SunTrust branch in  XXXX , NC ( I literally had to fly there, as I currently live outside of SunTrust 's coverage in California ), I was told that they would have to put a stop payment on the previous check and wait 24 hours before issuing a new one.
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24 hours later, the branch called and told me that in order for them to issue a new check, I would have to purchase a surety bond for 25 % of the sum of the check. This was contrary to the information the branch had received from the helpline and forwarded on to me the previous day.
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I asked the branch if there was a tracking number for the first check that had been sent to my house in   XXXX   XXXX  , FL. Maybe it was stuck at the post office the whole time? They called me back and said that they could not provide that - either there was no tracking number or they did not have access to it.
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I would like to note that the branch in  XXXX , NC was great. It 's a lovely town and the people who work there were very nice and helpful. They were just given incorrect and inconsistent information by SunTrust corporate.
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I have already been waiting months for my account balance. I have spent a significant amount of time and money trying to resolve this issue. I 'm not purchasing a surety bond unless the bank is paying for it.
Consumer complaint received 2023-03-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc (CT)

Incessant calling. Sometimes 5-6 times in an immediate row. Consistent badgering voicemails and letters stating they would damage my credit by sending me to collections. It's {$50.00} bucks or so. I changed my debit card number, and they could no longer auto-charge after telling them I wanted the membership closed. I filed multiple complaints with the XXXX. Other consumers are experiencing the same thing. It has been a huge mistake working with this company. The only way that you can even get out of a contract with them is if you show a surgeon 's letter stating that you are permanently disabled to get out of it. Horrendous. They must be reported for constant harassment.
Consumer complaint received 2024-05-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NY)

CFPB Law Dispute Letter Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Fair Credit Reporting Act ( FCRA ) Dispute under 12 CFR 1006.34 & 15 U.S.C. 1681s-2 ( 7 ) ( A ) Dear CFPB, This letter is to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Identification of Inaccurate Information I am writing to dispute the following information on my credit report : Account Type : COLLECTION Creditor Name : I C SYSTEM Account Number ( Last XXXX Digits ) : UNKNOWN Specific Information in Dispute : Basis for Dispute I believe the information listed above is inaccurate. I also have revoked all rights of them communicating with me through email, text and calls. I am requesting validation of such debts. I am requesting the purchase agreement between them and the original creditor. I'm also requesting that they furnish proof that they are licensed and bonded and would like all collections to be removed immediately. 

Violation of FCRA I believe this inaccurate information is a violation of my rights under the FCRA, specifically 12 CFR 1006.34 ( b ) ( 5 ) which guarantees the reported information is accurate and verifiable, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) which requires furnishers to investigate disputes, 12 CFR 1006.34 ( d ) which outlines the timeframes for dispute investigations, and 15 USC 1681s-2 ( 7 ) ( A ) which prohibits credit reporting agencies from including inaccurate information.

Request for Action I request that the CFPB investigate this dispute with the credit reporting agency and the information furnisher ( creditor ) named above. I further request that the inaccurate information be removed from my credit report and that I be informed of the results of the investigation within the timeframes mandated by the FCRA. 

Supporting Documents Attached are copies of documents supporting my claim ( e.g., cancelled checks, account closure confirmation, police report for identity theft ). 

Thank you for your time and attention to this matter. I look forward to your prompt resolution. 

Sincerely. 


Printed Name : XXXX XXXX
Consumer complaint received 2015-06-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Credit Report Shows balance of multiple accounts that are not mine nor have my information. There are multiple companies involved. 
XXXX XXXX CAPITAL ONE : XXXX accounts show on my credit report, no more information, but is affecting my credit history. I spoke to a supervisor who could not find such accounts but they still being reported on my credit report. 
XXXX ) XXXX : I have no debt they want to collect but appears on my credit report and I have disputed the information almost more than XXXX days ago, I have not get an answer.
Consumer complaint received 2022-03-03
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : XXXX has violated my rights. 
XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-10-09
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: WELLS FARGO & COMPANY (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

I received a Notice of Wage Garnishment from my employer on XXXX XXXX, XXXX the Notice did not correspond to the Notice to Collect the Debt that i received on XXXX XXXX, XXXX. My Payment of {$85.00} was not reflected in the Notice of Wage Garnishment from my employer.
Consumer complaint received 2022-03-03
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In Accordance with the Fair Credit Reporting Capital One # 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 consent.

15 U.S.C 166b : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Account is 7 to 10 years old with a {$0.00} balance Please Delete