davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NM)

I opened a checking account with Wells Fargo in person at a branch in XXXX, NM on XX/XX/2020. I changed my direct deposit at work to go to this new account. My first direct deposit of {$1300.00} was posted to the account on XX/XX/2020, however an error that my company 's human resources department made while changing my direct deposit information resulted in my payroll being sent to my account, with someone else 's name attached to it. The name reflected on my paystub was also incorrect. I addressed this with my company, and they assured me that it would be corrected on my next direct deposit. On Saturday, XX/XX/2020, at approximately XXXX MST I received a phone call from Wells Fargo Prevention Center demanding that I send them a copy of my social security card, a copy of my phone bill as proof of my phone number, and wanting an explanation for why the direct deposit had arrived in my account with someone else 's name. I told the representative what happened with my paycheck, and she stated I needed to send my social security card and phone bill via fax. I advised her that I don't have access to a fax machine, but could email the documents. She stated they don't receive external email, and that I could take the documents in to a branch and have them faxed. I told her that it was XXXX on a Saturday, and the local branches would not be open until Monday and still require an appointment to come into the lobby. She stated that I could send the documents Monday ( XX/XX/20 ). I asked to clarify that my accounts would not be shut down in the mean time, and she stated that they would not and that I could continue using my debit card. Today, XX/XX/2020, I received two emails stating that both my checking and savings accounts were being closed. This has caused me significant inconvenience, and Wells Fargo still has {$300.00} of my money in my savings account which I now can not access. I have just recently fought tooth and nail to get out of a XXXX  XXXX situation. Getting this account was one of my first moves to be free from my abuser. All the information I supplied when I opened the account was truthful. I even brought my birth certificate, drivers license, and social security card with me when I opened the account but the person in the branch said they didn't need them. My cell phone account is new, and the first one I've had in my name, because of the situation I was in before. More than anything, this felt like a slap in the face. I'm very glad I chose to divide my direct deposit between two different banks. My fear was that my abuser would gain access to my new accounts, and by opening accounts at two different banks I would at least have half of my check if he got into one account. It turns out, Wells Fargo themselves are even worse.
Consumer complaint received 2022-01-06
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 m disappointed! I dont know how to delete it from my name I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SinglePoint GI (FL)

The creditors GENERAL REV, XXXX  XXXX XXXX, and XXXX XXXX XXXX  keep reporting accounts to my credit report that I have already paid off and are all XXXX  XXXX. Please delete these accounts off my credit report and cease all reporting activities
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC (GA)

My husband passed away on XX/XX/2022. The home we shared was granted to me through probate court, however Fay Servicing , LLC is refusing to speak to me about anything having to do with the loan. My attorney sent an email stating they are required to speak to me. As of today 's date they are still refusing to speak to me until their own legal team investigates and my house has a default date of XX/XX/2022. I have been at this company 's mercy for the last XXXX months while they keep asking for more information or to prove my relationship which I have done via a common law marriage certificate and his death certificate. I'm at a loss on what to do. Please help!
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I have a lot of Fraud Incuries from all kinds of banksXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and none of them are removed from any off my creditreport with Equifax or XXXX
Consumer complaint received 2022-03-31
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: Experian Information Solutions Inc. (PA)

Experian and XXXX have both invalidated information due to identity theft that they have claimed to have verified on my report. For Experian it is XXXX and for XXXX it is XXXX XXXX XXXX for a XXXX XXXX  I did not attend to. I submitted countless FTC reports which they have failed to respond or provide verification proof please see the document enclosed.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed.
Consumer complaint received 2019-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX ( XXXX ) XXXX, which is a very common name. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
Consumer complaint received 2019-03-08
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: JPMORGAN CHASE & CO. (TX)

My name is XXXX ( XXXX ) XXXX, which is a very common name. The issue is this account is being reported to XXXX, XXXX and XXXX as delinquent and this reporting is negatively affecting my credit scores and preventing me from securing a mortgage loan to purchase a home.
Consumer complaint received 2020-08-19
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. (TX)

I have inquires on my report that do not belong to me and I have filed an identity theft affidavit and provided it to the company yet they remove to remove tne fraudulent inquires XXXX XXXX XXXX  XXXX XXXX XXXX XXXX They all.need to be removed
Consumer complaint received 2021-09-24
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. (TX)

Transunion unlawful, and deceptive practices are currently destroying my reputation as a consumer. I have communicated with Transunion over 5 times via phone. Twice with mailing and quite a few times online services. All communication with this company results in nothing being resolved or the opposite. This reporting of inaccurate information is affecting my life. The times of feeling hopeless is over. If this is not resolved I will report this to social media outlets and seek legal help. I am also filing serval complaints. These illegal methods they are doing to me must be stopped. Below are a four different situation that have yet to be resolved. 

1. Will not remove inaccurate information about unauthorized inquiries- XX/XX/XXXX ( PHONE ) I called to report that they are reporting inaccurate information and that I in fact did not authorize some inquires listed on my report. Each time I called was told that I could not have the inquiries removed from my report. At one point in time, I asked to speak with a manager, One of their supervisor agents by the name of XXXX told me that an inquiry is indeed a statement of fact. I responded that is not true and it is illegal what you are doing, and he disconnected the call. 

2. Will not remove incorrect information being posted on my account about XXXX. XX/XX/XXXX ( ONLINE DISPUTE ) I completed an online dispute with TransUnion about removing XXXX XXXX XXXX from my report. They have it showing as an open account with a balance. On, the online dispute I advise TransUnion that the account is incorrect, It is a closed account with no balance. I request that this be deleted from my report. Instead of them removing the account they removed a 30-day late payment. In Which in Fact, I was never late on the account. The was mark resolved by Transunion when they never did what I ask. 

3. Mailed out a letter to Transunion has no written consent from me to report anything on my consumer report. Received by them on XX/XX/XXXX ( MAILED LETTER ) The Letter stated that I never gave Transunion any written consent to report anything on my consumer report and then I listed the accounts that needed to be removed from my consumer report. Instead of Transunion removing the information from my account. They sent letter to the debtors on the accounts telling them that I wanted to do an identity fraud claim. In which again, is not true. 

4. Credit scores dropped over 40 points without reason XX/XX/XXXX ( PHONE ) Called in to TransUnion and asked why this happened and rep stated he would investigate it to see if any changes was taking place on my account. We found out that there were no changes being made to my account so the agent stated he could not determine what happened.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (LA)

I received a bill from XXXX in the amount of {$130.00}. I instructed XXXX to discontinue my service on XX/XX/XXXX, turned in their equipment to XXXX  two days later, and had already paid the bill for the month of XXXX in advance. XXXX decided to discontinue my service XX/XX/XXXX, nearly a month later, then sent me the bill for their failure to discontinue the service on the date I requested. If their equipment was returned in on XX/XX/XXXX then I had no service for them to bill. I tried to explain that to XXXX when I responded to their bill in writing, but did not get a response from them. Shortly there after, I received a collection letter from XXXX XXXX, XXXX, Texas. I responded to XXXX XXXX in writing with a sequence of events between myself and XXXX explaining why I didn't owe them anything and enclosed a copy of the letter I sent to XXXX. A few weeks later, XXXX XXXX sent me a notice on their decision to stop collection efforts and I figured that was the end of it. Well, around XX/XX/XXXX I received a collection letter from Collection Bureau of The Hudson Valley on behalf of XXXX in the amount of {$130.00}. It is my belief that XXXX is using collection agencies to harass me for a bill that is not owed.
Consumer complaint received 2017-11-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My complaint # XXXX about XXXX  regarding Bank of America account # XXXX still has not been resolved. The paperwork provided by Bank of America does not validate the alleged amount owed XXXX {$880.00} ). This is my third request for a re-investigation.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (SC)

THe credit reporting agency in their desire to increase profitability has forgotten the rule, do no harm. This complaint is based upon providing information, and allowing accounts to be established without first considering if the person who name appears is the one that request for credit. The account of southern auto finance does n't meet this criteria. The name used in granting credit does n't verify with the name upon which the credit of the individual who is being held responsible, which is me the consumer. I herein request that equifax remove all inquiries, and creditors that do n't match the first requirement in granting credit, name, social security number matches, instead of merging credit reporting which this report number and entries represent. In addition The credit reporting agency reports lates on student loans, I have never been in repayment, and these loans were never in repayment so they could never have been late. I ask that they remove them totally.
Consumer complaint received 2022-12-14
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. (OK)

XXXX XXXX bank : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2018-03-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I joined a XXXX XXXX called XXXX XXXX XXXX XXXX XXXX. Otherwise known as XXXX XXXX. However after agreeing to join it i never received what i paid for to help me find someone as they promised to help me do. They promised a website, professional photography, and event meets. I never got any of that. No services or anything. And now they sent a company after me for {$2300.00} cents. That was no where near what i originally agreed to pay. Especially for a scam dating service that did not give me anything for what i paid and i decided to abandon it. The debt collector after me is called Fair Collections and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX and threatening to ruin my credit with the 3 major credit companies by sending me letters in the mail. Because other than this my credit is good. It has taken me 3 years to make it good.
Consumer complaint received 2017-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have had this account with XXXX XXXX XXXX XXXX card since on or about XX/XX/XXXX. ( I had the card before this date but XXXX XXXX bought out XXXX ) I have never been late, never carried a balance, never had any problem until XX/XX/XXXX when I tried to access may account on line like I always have about once a week to make sure no one is trying to use may account. When I tried to log in to my account on, or about XX/XX/XXXX I received a message that I  could n't check my account on line until I gave them some some personal information, like my social security number ( which they already have ) bank account number, and other personal information that I do n't consider any of their business. ( I will attach some of their requests if possible ) I have not requested an increase in my credit line, or any other requests.I would have discontinued the account but I was afraid it might hurt my credit score, my line of credit on that account is about {$9000.00}, I have a score of XXXX on my last report, this month of XX/XX/XXXX. I  feel they are trying to force me to submit information I do n't want to give.
Consumer complaint received 2024-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (NY)

My bank is Citibank. On XX/XX/2024, I had {$39000.00} on my checking account. My first payment, on that day, was a Direct Debit ( ACH ) to the IRS for {$14000.00}. Then, a payment to my credit card for {$21000.00} - which my bank called a " transfer '' because they issued my credit card. My 3rd payment was actually a transfer to my saving account for {$10000.00}. At that point, I didn't pay attention that I was overdraft because I have the overdraft protection between my checking and my savings. Finally, my XXXX payment was done thru XXXX for {$3000.00}. During the whole day, no where on the application it showed the overdraft, all my payments looked that they were processed. The day after, the payment for the IRS was rejected but all other payments were processed. I got penalties, interests and fees to pay to the IRS. I filed a complaint to my bank for not processing my payments in the order that I sent them. I was told that the payments that go first are the transfers from account to account and then the biggest amounts. I asked also when these rules where communicated to me because I was not aware of these. They didn't reply. I asked in which documentation these rules are shown but they told me that they did not have the documentation.
Consumer complaint received 2021-07-12
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. (TX)

CERTIFIED LETTERS WERE MAILED AND RECEIVED BY AGENY ON XXXX AND AGENCY FAILED TO MARK THE ACCOUNTS AS BEING DISPUTED BY CONSUMER.
Consumer complaint received 2020-05-04
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX20, XXXX20, XXXX20, AND XXXX20, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.

ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD  BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAVALRY INVESTMENTS, LLC (CA)

On my XXXX and XXXX credit report, A collection agency is reporting a debt ( {$44.00} & ) that was included in my bankruptcy as collection accounts and money that I still owe. My  bankruptcy was discharged XXXX 2011. XXXX is reporting this as being included in my bankruptcy with {$0.00} being owed.
Consumer complaint received 2021-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NY)

This is the third complaint I filed against this company, and they still refuse to provide an answer/solution ( Please see XXXX and XXXX ). Although I understand the process behind the garnishment process, Discover has failed to explain the fact that they did not notify me of the garnishment, effectively denying me the opportunity to challenge the garnishment before the funds left my account. I never received any notifications, only an email indicating that an official check had been issued. It turned out that the garnishment order was illegal since it was based on a fraudulent tax return and I am now fighting to try to get those funds that were illegally released by Discover. This is the last attempt I am making to ask to discover to recall said funds, since they failed to properly notify me of the garnishment, thus denying me the opportunity to address this issue before the funds left my account. Discover must recall the funds from the state of California since it released them pursuant to an invalid and illegal garnishment order. This is my last attempt before filing a lawsuit.
Consumer complaint received 2017-11-28
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. (KY)

XXXX XXXX XXXX ran my credit 7 times on XX/XX/XXXX. I tried disputing this through the credit bureaus. They each told me that I need to speak with the creditor. I contacted each individual company that ran my credit on XX/XX/XXXX, they all stated that XXXX XXXX XXXX ran the report in order to apply for the best rate for a car. I emailed the general manager of XXXX XXXX  XXXX. He stated the application was submitted online. He could not provide me with an electronic signature. I demand these inquiries be removed from my reports.