davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-24
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (CA)

We had a terrible experience with Wells Fargo fraud protection. They did not protect us AT ALL. In XX/XX/2015, my husband and I accidentally wrote and mailed XXXX rent checks to our landlord, XXXX each. We notified them and asked them to cancel the XXXX check when they received it, or to hold it until next month. On XX/XX/2015, I viewed the checks online. XXXX had been withdrawn from our account. I noticed that XXXX had been altered. The payee name had been changed from our landlord's to a name that was unfamiliar to us. Our landlord informed us that they never saw the XXXX check, and that they were also unfamiliar with the altered name. I called our bank, Wells Fargo, on XX/XX/2015 to report the fraud. I called again to check the status of the claim on XX/XX/2015. We also reported the fraud to the XXXX Police Department and were assigned a case number. We were given a claim # by Wells Fargo and submitted an affidavit to them on XX/XX/<YYYY> Wells Fargo did NOT return XXXX to our account. We were told that the bank that cashed the check was responsible for restitution, and that we had to wait for Wells Fargo's claims department contact them and obtain the money from them. We were told that this process could take a couple of months. Every month, we called to follow up, and Wells Fargo kept telling us the issue had not been resolved yet. Finally, we called Wells Fargo on XX/XX/2015 and they told us that the claim had been closed in XX/XX/XXXX (they made no attempt to contact us about it) and they would be unable to restore the XXXX to our account. We are extremely disappointed in Wells Fargo's fraud protection policies and will be moving to another bank soon. We do not feel valued as their customers. We have been telling our friends and family about the situation to warn them not to choose Wells Fargo as their bank.
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; U S DEPT OF EDXXXX  XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/XXXX I had attempted to make an online transaction that was declined. I then called the bank that morning ( around XXXX ) and was told by the representative that my funds were insufficient. I was aware I was just paid from work, so I was confused. When asked if I had my card, I said I did not have it with me but thought it was at home. However when I arrived home I could not find my card. I told the bank my last transaction was at XXXX on XX/XX/XXXX for {$33.00} at gas pump. I then found out that my card was used with multiple transactions for the same merchant ( XXXX XXXX ). This merchant is non existence. 

The transactions are as followed 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 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} I disputed this claim and on XX/XX/XXXX was told by bank that it was determined to not be fraud. 
On XX/XX/XXXX I asked for documentation on why the dispute was denied. 
On XX/XX/XXXX I was emailed a document of highlighted transactions and contactless chip being used but no other documentation was provided. 
On XX/XX/XXXX I filed a police report on the matter and it was approved on XX/XX/XXXX XX/XX/XXXX I called XXXX department and was told that I must have gave out my PIN number. When I told them I did not give my pin nor authorize any of these transactions, I was told that cant be true. When I pointed out that the merchant does not have an address, the supervisor did not say anything. 
XX/XX/XXXX My account is to be reversed of funds.
Consumer complaint received 2024-01-22
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: Experian Information Solutions Inc. (NY)

XXXX XXXX IDENTIFIED THE INQUIRIES ON MY CREDIT REPORT TO BE FRAUDULENT. CREDIT REPORTING BUREAUS WERE NOT REMOVED FROM MY REPORT. SEE LETTER ATTACHED. UNAUTHORIZED INQUIRIES TO BE REMOVED as soon as possible.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2020-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

My husband and myself had a home equity loan through a local bank. It was sold to a company called XXXX. I have been paying my agreed upon monthly payment for months. One day out of the blue, they decided to start putting part of my monthly payment into an escrow account to pay my taxes and insurance. I had never agreed to this. My taxes were already paid and have never been overdue. This caused my account to look like I wasn't paying my full payments on my mortgage. I was told to send a written letter to them, saying to not escrow my taxes as I pay them. I sent the letter to them and they still have been putting part of my payments towards my taxes. 
XXXX has since gone bankrupt and my loan was now sold to Shellpoint. They have continued to escrow my account for the taxes. I have tried to resolve this through multiple phone calls with no avail. I contacted a lawyer at XXXX XXXX XXXX XXXX, and have been working with my attorney, XXXX XXXX. Shellpoint/XXXX and Mr XXXX had agreed upon an monetary amount to rectify my account. I sent a check in the amount of {$2600.00} to satisfy them, ( even though I never missed a payment, or was technically overdue on my payments ) but they continued to escrow my account and report that my account was not up to date. He has sent them multiple letters to have them correct the account, again, with no avail.They have been reporting to the Credit bureau that I have not been paying and therefore have been ruining my credit for years now. Even as of today, they are still charging me, escrow accounts, Insurance, late fees, property inspection disbursement and whatever else they feel like adding to my account. I will attach letters from my attorney to verify the above information.
Consumer complaint received 2020-11-12
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. (CT)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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  XXXX
Consumer complaint received 2017-05-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, Your company has been falsely reportin g   XXXX    acco unts that are due to identity theft. A mortgage loan, home line of equity, and a personal credit card through your bank. I had started to dispute these items once i saw them on my credit report after obtaining credit after turning  XXXX  years old. As of   XX/XX/17 ,  Bank of America, has resolved my disputes against these claims of identity theft and has cleared them off my   XXXX   and   XXXX   report. These accounts are under a different name, with my  SSN,  opened years before I had turned  XXXX . BOA seems to have noticed the inaccuracies since they were deleted off  XXXX  CRA 's, but  XXXX  is still reporting. I disputed  the Line of Equity a nd Mortgage that remain on my  XXXX  credit file on   X/XX/17     only to be contacted by  BOA saying the accounts are accurate. When I call BOA the fraud line representative advises there are no accounts anymore with my SSN in the system. Which is why he advise I dispute, and the accounts should come off since they are not in the BOA system anymore. However, after I disputed again they 're verified somehow and being reported still as fradulent and whenever I dispute the claim comes back as " remains '' on report. I have sent in my police report, SSN, CA drivers license, and proof of identity. It seems BOA acknowledges that these accounts are not mine but will not remove them from reporting to  XXXX  only.  XXXX  advised me they have not received any updated reporting status to delete these accounts, and BOA is still reporting as OPEN.
Consumer complaint received 2021-11-13
Product: Vehicle loan or lease — Title loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAP ONE AUTO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-06-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2016-02-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (FL)

I am disappointed in Wells Fargo 's decision not to reimburse me for the XXXX {$5.00} service fees I was charged on XXXX XXXX, 2015. 
This entire incident occurred simply because the woman in charge of the XXXX XXXX Wells Fargo office did not tell me this was some sort of special savings account and did not tell me there was a minimum account balance. All I wanted were XXXX plain, old fashioned, savings accounts. I have closed these accounts ( XXXX and XXXX ) and transferred my direct deposit payroll to a credit union. I no longer use my Wells Fargo checking account for anything other than cashing checks that are sent to me.
Consumer complaint received 2016-11-30
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

I made a deposit of {$15000.00} on XXXX/XXXX/2016. Wells Fargo has placed a hold releasing {$200.00} XXXX/XXXX/2016, {$4800.00} XXXX/XXXX/2016 and {$10000.00} XXXX/XXXX/2016. Since the deposit is presented during the mid-night processing of XXXX/XXXX/2016 and the funds are received by Wells at that time Wells is using my money without my authorization or paying interest during the hold time.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (MN)

XXXX2022 Aargon Agency flagged my credit report for an electric bill, in an entirely different state from where I live, and now thinks I'm going to pay them {$350.00} for something I have no knowledge of. I've never lived at this address, got mail here or is it associated with me period. I don't know who lives here or where it is actually. I need help.
Consumer complaint received 2021-02-09
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. (FL)

XXXX XXXX REPORTING 30 DAY LATE ON ACCOUNT THAT ONLY CHANGED STATUS, FROM DEFERMENT TO FOREBEARANCE, INACCURATE ACCOUNT STATUS. LOAN WAS NOT 30DAYS LATE. ACCOUNT STATUS CHANGED. I FILLED OUT MULTIPLE FORMS, MADE SEVERAL PHONE CALLS, INFORMATION IS STILL REPORTING INCORRECTLY.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Duvera Billing Services, LLC (PA)

XXXX XXXX is furnishing false and derogatory information on my credit report. They're listing a past due balance of {$820.00} which includes an illegal interest rate of over 188 %. Predatory lending is entirely illegal in the state of Pennsylvania and this is double the original listed loan amount of {$480.00}.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent inquires came to be I have noticed I have many instances of Misinformation reported about me which is fraudulent. I have no knowledge of how the misinformation of these fraudulent Inquires and Ban accounts came to be. I have not authorized misuse of my personal or any information have never received any benefits of the product, or services. I filed a police report and I filed a complaint with the Federal Trade Commission about this matter.
Consumer complaint received 2022-08-11
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. (MD)

I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, and invalidated and you responded by stating you were able to verify or validate. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made have failed to provide proof of how those inaccuracies information were verify, what method was used and who verified it? 
you failed to comply and provide those information by law to remove it from my credit file. I urge you to remove this LATE PAYEMENT on my account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once XXXX  XXXX ID # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian did not correct an erroneous credit reporting item from XXXX XXXX XXXX. I disputed the item with Experian against XXXX XXXX XXXX on XX/XX/2021. I have spoken with XXXX XXXX XXXX mortgage department XXXX1 times and every single time, I was assured that I was never late and the balance is XXXX. However, Experian refuses to correct the error. 
The wrongdoing has caused my score being dropped to XXXX, preventing me from getting any credit during this very challenging time.
Consumer complaint received 2015-05-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (CA)

XXXX Wells Fargo charges fraudulent, multiple, ATM transaction fees, for only XXXX XXXX withdrawal, to other bank. {$8.00} total, when other bank 's ATM machine broken and none other available for several miles, other bank refuses to refund the XXXX. On XXXX XXXX, 2015.
Consumer complaint received 2023-02-19
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. (FL)

I HAVE NOTIFIED ALL THE CREDIT BUREAUS OF THE INCORRECT INFORMATION THEY HAVE BEEN FURNISHING ON MY CONSUMER REPORT. I DID NOT GIVE THEM CONSENT TO HAVE MY PERSONAL INFORMATION FIRST OF ALL. AS A RESULT OF INCORRECT INFORMATION THE CREDIT BUREAUS HAVE BEEN FURNISHING ON MY CONSUMER REPORT IT HAS CAUSED MY CHARACTER TO BE DEFAMED, MENTAL ANGUISH AND FINANCIAL HARDSHIP. 

I HAVE SENT THEM A CEASE AND DESIST AND YET DERROGATORY AND INACCURATE INFORMATION IS STILL BEING FURNISHED.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (NY)

As a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA XXXX or any other amount of damages pursuant to XXXX.
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (NY)

As a federal protected consumer I know you can not use an attorney against a federal protected consumer. I will be filling for default judgement and then you will be entering a class lawsuit for violations, stress and mental anguish and at least 1 % of the company pursuant to TILA XXXX or any other amount of damages pursuant to XXXX.
Consumer complaint received 2021-02-09
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)

We refinanced our XXXX XXXX  mortgage with another bank, and XXXX XXXX  has not reported accurately to all 3 credit bureaus. Both our mortgage and heloc accounts are still showing up as " open '' even though we refinanced almost 2 moths ago. 

I called XXXX XXXX to inquire when they would report and they told me the XXXX of every month. Today is the XXXX and the only credit bureau they reported to was XXXX. XXXX and Equifax are still showing XXXX XXXX accounts as " open ''.
Consumer complaint received 2021-02-09
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: EQUIFAX, INC. (VA)

In XXXX XXXX XXXX XXXX was deleted from all 3 credit bureaus. This account does not belong to me and can not be verified. Recently this account was added back to my credit reports. How sway? Because I have never done business with this company and this account does not belong to me. Also, I know for a fact that the credit bureaus have to provide me with a 5 day notice before adding any account back on to my credit reports. I have not received that letter! 
This account need to be deleted from my credit reports immediately because it was added back with out proper notice on top of this being an unverifiable account. 
I am highly considering litigation because this is crazy..
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 90 days past due which dropped my credit scores 100 points.