davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NY)

In XXXX of XXXX, I reached out to Wells Fargo to dispute a closed credit card account with them. I spoke with a representative to explain that I didn't open a credit card with them while I was in college in XXXX XXXX in XXXX, especially due to the fact that my school provided more than enough financial resources as a full scholarship student. I disputed their claim that I ever owed them money much less opened a credit card with them. I also requested a copy of the contract they claimed I signed to open the account, which an employee agreed to do. 
After a month without receiving said " contract '', I reached back out and got a run around from department to department. Once I spoke with someone, I reiterated that I never open an account, I'm disputing it for removal from my account, and requested that they once again send me a copy of the " contract '' I apparently signed. I also noted to employees this time around, that this happened during the time Wells Fargo had been opening fraudulent accounts, dating back to XXXX. I reassured I wasn't placing blame on the employee, but got them to acknowledge that my dispute falls in the timeline of Wells Fargo 's illegal fraudulent activity. The opened a dispute and once again said they would resend the contract. In XXXX, I finally received a XXXX C from Wells Fargo that XXXX the debt, but however still said I was personally liable for the debt. As of today, all credit bureaus ( XXXX, XXXX XXXX XXXX  XXXX show a Wells Fargo account under closed accounts in my reports for a card I never opened.
Consumer complaint received 2024-01-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is REFUSING to credit my credit card payment made on XX/XX/2024 of {$200.00} after receiving proof of payment from XXXX  XXXX XXXX. 

Wells Fargo REFUSED to troubleshoot the issue then played XXXX and XXXX. 

Wells Fargo REFUSED all proof of payment from XXXX  XXXX XXXX
Consumer complaint received 2021-02-11
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. (MS)

The company is reporting an account on my Equifax report with 2 different account numbers and 2 different last activity dates. Also one account show delinquent and the other shows paid as agreed. I have called this company several times about this issue and I have also disputed this with Equifax. Equifax is not cooperating either. Its is against the credit reporting laws to reports duplicate accounts. The attached documents are marked with the incorrect information being reporting to Equifax. I will seek legal credit reporting assistance if needed.
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (TN)

Just started off with charges I didn't make. Undisputed is it was taken off told me to wait 30 days it will be complete. Initially they hit me it by XXXX they originally took the charges off. had made my balance correct what is the end of you waiting for it to be settled Last minute they charged back a payment to my cellphone company this very first charge I have made that was right around the amount they has overcharged me. Put my account in collections with the cell phone company had to repay p in 4 days that's how they fix me everything they took off my balance they said to make it right for the fraudulent charges and they had added made it right until last minutes they didn't charge back to my cell phone company for the amount that would have made it right.Said it was settled because I didn't know they had did that this is a plan that put me back in XXXX in the first month been downhill. Pull up in about another claim. It was about putting money from my bank account destroy employees two or three payments at a time it even tried to pull to pay off for a maxed out card. I felt was still wrong then turn around a week later and pulled off another {$42.00} payment and was trying to pull more of my account but it has grain my account in the bank will not pay any more overdraft I had not otherwise you probably didn't know isn't about them until the first watching my credit report it showed it paid off and completely just stopped and went on to pull more payments. I still feel like I'm in dispute. There's always going to be at the bank to it was closed and now they just keep getting my credit rating I don't have any trouble with my other card just this one this all happen in threes or 4 months after you open it. Go talk to the credit card company can was under the impression XXXX XXXX XXXX has bought Continental app but not the credit card division they're working on their own taking every dime they can can from their customers
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (CA)

Several Payment fraud transactions by a cybercriminal on my google accounts : First Payment fraud transaction : only one XXXX Purchase XXXX XXXX XXXX XXXXXXXX ( Unlocked ), Expedited {$660.00}. 
XXXX The unknown cybercriminal address and name the fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX United States XXXX this purchases made using my google account stored credit cards info ; and Google did not protect me nor ask for my approval ( by sending a code authorization or notify me. ) google suppose to protect my payment and notify me if any suspicious activity going on on my account. I canceled the card I don't have the card number but I can provide you the last four number of the card : XXXX Second Payment fraud transactions : three transactions : XXXX XXXX XXXX XXXX XXXX ( Unlocked ), Expedited {$660.00} XXXX XXXX fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Unlocked ), Expedited {$990.00} XXXX XXXX fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Expedited {$390.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX These purchases made using my google account not stored or added debit card info ; and again Google did not protect me nor ask for my approval ( by sending a code authorization or notify me. or send me an email so I can stop the illegal transactions ) The Google wont help me or refund me. or talk to me : Google respond : " so no refund will be provided by Google at this time. If you would like to pursue the matter further, you can reach out to your financial institution. '' Google support are joke no contact no phone number no support ( google avoiding any phone person support claiming short staff Covid 19 to avoid any responsibility ), no person to talk to. I started after two days when I noticed the Payment fraud.

Please we need help against this giant company that do not protect or support its customers, we can not stand against a giant company like google. smart company like google the least the can do when they see purchases going to different address is to send notification or when a payment added to my google payment method to notify me, google did notify every month about my XXXX dollar subscription, but not a single notification for such purchases please you can check my all emails not a single notification Please if you need any information let me know and I will provide them.
Consumer complaint received 2019-03-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

I have been fighting all 3 bureaus for the past 10 year to get them to comply with the law. They openly refuse. They deny - claiming they have no ID info -which they refuse to keep on file. They deny claiming they have answered ( by providing ZERO information ) complaints-therefore they must not answer complaints on existing files which they must get paid by someone to continue to extort me on. They resell said dated info to make it reflect current- then UPDATE said info and entire files instead of removing ANY INFO. THEY DO NOT COMPLY but state they do - with FCRA/FCDPA and other laws. They only respond to YOU to release my files- ( I could be someone else ) by mail ( which has been intercepted ) and REFUSE despite USPS federal investigation to remove inaccurate information about me- concerning verification of my files to APPROVE ME as an editor on my own account. I have provided factual info- yet all bureaus refuse to acknowledge this. ALL BUREAUS track and intercept credit and other data ( stalking ) without my permission and continue to abuse me based on inaccurate data they have no intention to correct. bankruptcy is an extortion attempt on debts not legally owed.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Each time I call Tran Union and bring their attention to incorrect items or items that has not be varied, they open up investegation to items the is okay on my report Later the become negative items My credit score dropped 40 points after I talk with them about one item that was not my item and the company refused to vary information and stated it was not my information. 
Student loan was okay but up dated to being late-WHY this is not was not reported before they investograte but told me over the phone the item was update and ok- tape recorded the conversation
Consumer complaint received 2022-11-19
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. (WI)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2021-02-11
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

I was a member of a XXXX gym that closed down during COVID. I was still billed by the owner even though he told me he would freeze the account. I tried to cancel, and he charged me for another month, claiming a bogus " cancellation policy '' that I was never provided with. 

I disputed the charge, citing 15-US-1666i. The credit card company is refusing to credit the account, saying that the window for disputes is now over. I know that I have 1 year from the date of purchase under federal law. 

I did not receive the services from the merchant that were advertised. I want my account credited.
Consumer complaint received 2021-12-02
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-01-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo rep by the name of XXXX XXXX contacted me in XXXX after sending in a request for mediation, Wells Fargo has sent me a total of six of these forms, five of  them have been filled out in total, sent in. The last such request was sent on XX/XX/XXXX. XXXX offered a settlement amount of {$3700.00} which was verbally accepted. It is now XX/XX/XXXX and no payment received to date. A XXXX XXXX has replied with either a general form response stating attempts at resolution made and all resources exhausted which is a lie or he will attempt to state he can not reply which is also a lie. He has replied in the past which again include a bogus form response. Any supposed check sent to me for payment of settlement was cashed fraudulently and have not received any funds from it. Further, it appears XXXX low-balled her offer as other former Wells Fargo customers received more with lesser damages than myself. I have not heard back from last mediation request form sent in as of yet, I suspect it will be denied. If so, I will require an address to send notice of small claim suit to Wells Fargo. I've made numerous good faith attempts at resolving this directly which includes calls made to Wells Fargo Executive Office Phone Bank, no reps are familiar with mediation program and are unable to locate XXXX XXXX, refer me to one of the settlement administrators which is separate from mediation program offered directly by Wells Fargo.. In closing, I again request refund of {$610.00} which includes fees charged to unauthorized accounts. Failing to do so, I will need an address to send notice of small claim suit
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX. My Full Legal Name : XXXX XXXX XXXX. My ONLY Address : XXXX XXXX XXXX, XXXX, FL, XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX, My ONLY Address : XXXX XXXX XXXX, XXXX, FL, XXXX XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX My ONLY Address : XXXX XXXX XXXX, XXXX, XXXX
Consumer complaint received 2020-07-13
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. (FL)

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I reviewed my Credit report in XXXX of XXXX and noticed some things were incomplete and not accurate. I sent Equifax a letter in regards on XX/XX/XXXX certified mail ( Receipt # XXXX XXXX XXXX XXXX XXXX ). Equifax sent a response to me stating that these accounts were verified and accurate when they are not. I sent Equifax another dispute on XX/XX/XXXX XXXX Tracking Number : XXXX in regards to the investigation results still having inaccurate information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 XXXX XXXX XXXX XXXXXXXX, are inaccurate due to the " Date Last Paid '' reflecting the incorrect dates on all 3 credit bureaus. Also, according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please refer to the attachments.
Consumer complaint received 2022-05-02
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)

I have an auto lease XXXX XXXXXXXX XXXX . I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Experian and XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : XXXX XXXX XXXX Date opened XX/XX/2006 Balance {$0.00}.
Consumer complaint received 2019-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

You have been advised repeatedly to stop your attempts to collect an invalid debt to the name of XXXX XXXX account number : XXXX. This debt is not valid and was not accrued by XXXX XXXX. A police incident number has been issued by the police department in XXXX XXXX CA for this incident and the theft of identity has ben reported to the FTC. I repeat STOP all attempts to collect this debt, I am tired to repeating myself STOP TRYING TO COLLECT THIS DEBT. We have retained a lawyer and will be proceeding further with legal action for unlawful collection if all attempts don't seize immediately. A monkey could do the investigation to see that the money was siphoned through bogus accounts by individuals in a different part of the world with no relation to XXXX XXXX. I'm chocking on my own spit here ; HSBC get your act together no wonder you are at the center of all illicit money laundering activities. Get out of here.
Consumer complaint received 2024-05-28
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-26
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Colony Brands, Inc. (DC)

XX/XX/XXXX and XX/XX/XXXX filed a dispute against accounts that were wrongfully added to my credit profile. I stated in the dispute that I NEVER had wireless services with their company. I made phone calls and was advised to file a dispute after the representative looked into the system placed me on hold to have a further review with supervior, they could not find an account and the call dropped. After the dispute was filed there was an update to my credit report which gave a current date and stated that the information was accurate. 

XX/XX/XXXX and XX/XX/XXXX filed a dispute for old accounts that have been paid with zero balance. Requested to have accounts removed, and was told the accounts will be removed and a letter will be mailed for confirmation. DID NOT HAPPEN!
Consumer complaint received 2022-11-19
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. (WI)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.