davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX with a 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have sent debt validation letters to the collection agency and credit bureaus whos reporting this debt on my file on XX/XX/XXXX. I have heard nothing back from nobody why? Because I didnt open any XXXX  account with XXXX in XXXX as stated on my report. So their validation from XXXX  that they reported would be inaccurate. The debt states {$2100.00} opened XX/XX/XXXX I demand this account be blocked and deleted from my reports for falsifying dates and violating my rights to privacy.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Experian keeps reporting an XXXX XXXX open collection on an account that should be closed to exempt funds i want them to remove the consumer statement they wrote and replace it with my new consumer statement : this is a social security XXXX account which is exempt from debt collection this account is illegally being reported as an open collection under the law they must write my statement as is or delete the trade line
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Im a victim of fraud. I send in my letters and disputed all the transactions. XXXX acted with the best result however Equifax has piled all these fraud charges on my report when they clearly were removed from my other reports. Equifax should match my other scores and the fraud damages removed.
Consumer complaint received 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I have filed numerous complaints against Wells Fargo Auto Finance, and they continue to send me the same stack of information that I allegedly signed. However, the one document that I do not have in the sales paperwork ( which XXXX XXXX XXXX took one full month to get to me and I have the text messages to prove it ) is the Loan Application. 

The salesmen filled in the amounts of my income, and I looked at it, then I refused to sign it ( as it had false information regarding my income ). When I got back from the XXXX XXXX, I wanted my car keys back, the salesmen said they 'bought out my car ', without my permission, and said that the loan went through. I couldn`t see how it would pass through Wells Fargo Auto in such an easy way. 

Wells Fargo Auto Finance never asked for 3-6 months of back bank statements to show that I indeed made this amount of money. I also did not work for XXXX XXXX XXXX for XXXX years, and that was on the Loan Application as well. I started working to XXXX XXXX XXXX on XX/XX/2022. I believe I have all my pay stubs from them as well. 

So, this is not a legitimate sale, and not getting the Sales paperwork until one full month after the sale only goes to prove that they could have forged my name on the Loan Application. I didn`t even know how much they gave me for my car, which was next to nothing. Wells Fargo Auto Finance needs to go after XXXX XXXX XXXX for falsifying the Loan Application, it`s as simple as that.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

i am trying to get a new home with my credit union/bank . i called them so that they could do a soft inquiry to see where things stand. they said they have to pull from equifax to do the soft inquiry. on two different occasions, they are saying they cant see my equifax credit report. they stated on both occasions that it is showing i do not have an equifax credit report. also, i believe the credit score for my equifax is wrong. it is still showing the same score as it was awhile back, after having 4 accounts removed from it, but it should be higher. anyway, i found out that if you have too many soft inquiries on equifax, that it will not generate your credit report for some reason. and i also found out about the equifax credit score glitch. i talked to equifax and had my fraud alert removed, hoping that would fix things. i then called to have soft inquiries removed from my report because there are way too many on there and they said they cant remove them.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX under account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXXXXXX, an account opened at XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$350.00} that appears related to the aforementioned personal credit card account opened at XXXX XXXX XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$710.00} that appears related to the aforementioned account opened at XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/22, I reviewed my consumer report and discovered there were inaccurate items reporting to my consumer report. I have contacted the agency via mail, identifying these inaccuracies with proof of identification. The agency has failed to maintain reasonable procedures to ensure that the information is accurate and relevant regarding my personal information. My current consumer report still includes misspelled names/names that do not belong to me, old addresses, and employees.
Consumer complaint received 2022-09-13
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: Medical Data Systems, Inc. (TN)

They sent mail to my house asking for money for unidentified information as a result of identity theft not related to any transaction completed by me. 

Medical revenue Service account XXXX and account XXXX and account XXXX
Consumer complaint received 2022-09-14
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)

In accordance with the Fair Credit Reporting act CRA, Equifax Information Services has violated my rights by reporting fraudulent inquiries after my dispute process, and not providing documentary evidence validating ownership of transaction to me as the consumer. This is my second time explaining to Equifax and its referenced creditors that my personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized/fraudulent inquiries. Ive attached a police report pertaining to the incident. Please immediately remove all fraudulent inquiries I have listed below, the following includes : 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

In accordance with the FCRA if the investigation results are verifiable I request the documentary evidence that lead to it being verified to be mailed to the address on file, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period
Consumer complaint received 2022-09-05
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NE)

Fraudulent Charges first appeared the statement I received for XXXX XXXX. I contacted the Barclay Fraud number and was told it would be investigated, which would take about 30 days. I was also told to destroy my cards, and contact any institution that I had on automatic payment set up for as the number will change. A new card would be sent in 3-5 business days. I never received these cards. I received acknowledgement that an investigation was open and I would received the results in a letter dated XXXX XXXX was in I received a letter from Barclay stating the {$1600.00} in dispute was ruled in my favor and the account was closed. No charges were made on this account as I had neither received a new card and the automatic payment had been canceled. I confirmed with Wyndham that the XXXX payment had not been made and I would have delinquency payment. I settle that with another card and set up automatic payments using a different card company. 

I received a letter from Barclays on XX/XX/XXXX, confirming that the amount in dispute that I was not responsible. My statement for XXXX XXXX had additional fraudulent charges from the XXXX NY. The previous fraudulent charges were showing the same address. I again contacted Barclays and explain to them that I had not received the cards, My account was suppose to be closed on XX/XX/XXXX but charges were made and accepted by Barclay on XXXX XXXX. I clearly stated to the agent that the account was to be closed and no more trans action would be authorized by me. 
Barclays opened another Investigation. Received a letter confirming the account was indeed closed and an investigation initiated. Letter from Barclay confirmed I was not responsible for the fraudulent transaction. The XXXX statement XX/XX/XXXX showed a balanced forwarded of {$380.00}. I called and followed up with a registered letter return Receipt on XX/XX/XXXX to Manager of the Fraud Department, I received the return receipt but no one at Barclays signed for it. The letter outlined all the actions since XXXX to get this resolved. I requested certain actions be taken along with an internal investigation as to how the new cards could be sent to one place but the billing address was correct. 

A store credit card company advised me that my credit score was lowered. I looked and saw it was due to an adverse report by Barclays. I called to talk to a supervisor and was refused to be connected to one. Thus this complaint as I have received only a negative response to my letter.
Consumer complaint received 2024-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (IL)

On XX/XX/year>, I was notified that the APR would increase to 24.99 % from 16.99 %. 
Here was the reasoning : Your credit report showed no recent non-mortgage balance information Your credit report shows a lack of recent bank/national revolving information Your credit report shows a lack of recent revolving account information Your credit report shows a lack of recent installment loan information I think this is taking advantage of an elderly person ( I'm XXXX ) as I have paid off my mortgage, among other things, and I try to minimize my use of credit.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP Inc. (FL)

Today XXXX 2023 I tried to withdraw XXXX XXXX from the atm from a card given to me by my employer an the atm told me my creditor denied my transaction so atm didnt give me any money but as soon as I check my account info with the bank It has stated it had been withdrawn. I proceed to call both companies the atm an this card witch isnt even a bank. ( wisely ). First the atm group said contact your bank XXXX ask for a regulation XXXX email to send to us. I then call wisely my card, for them to tell me it takes 45days minimum to resolve this an they in willing to work with the atm ppl to resolve this issue asap. I had talked to 3 employees at wisely 2 people to get told theres nothing they can do. So I call again an the agency then tells me they can try to email me then hangs up on me I feel as if there trying to scam me
Consumer complaint received 2024-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AZ)

I paid in full a credit card with Wells Fargo and upon payment I closed the account. The credit card account is still reporting open and with the balance pre full pay off. Card was paid off XX/XX/year> and closed. 
They stated earlier this month they report to the credit bureaus on the XXXX of the month, so they would have reported XX/XX/XXXX. There was nothing they could do. Now XX/XX/XXXX past and still no change on the Wells Fargo account ending. 
I have now had to file diputes with all 3 credit bureaus.
Consumer complaint received 2023-03-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I lost my wallet on XX/XX/16 and called when I noticed XXXX XXXX XXXX XXXX charges on my account I filed the disputed capital one tells me my claims are denied because they didnt find an error but they werent mine they didnt come to my home I dont have this accounts and capital one refuses to get my money back
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

I called back in 2018 when I paid a debt that was owed attached to my social security. Later to find out that they were charging me again for the same apartment complex just a different apartment number. The account national credit system has have a different social security number that isnt mine. The contract that they provided doesnt have my social number on it. They purposely remove the social security number from it. I asked them how can I get an apartment in the same apartment complex if I owed a balance? Thats not possible. They ignored my claim and refused to remove it, after I had just paid XXXX dollars for the debt owed with my social security number. This isnt my debt I paid what I owed.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I do not have any knowledge of this company. I think my information was involved in a data breach and got into the hands of the wrong person. I have provided a identity theft report that i have filed.
Consumer complaint received 2022-09-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (AR)

XXXX PUT ME IN COLLETION WITH OUT HAVE IN ACCOUN WITH THEM I JUST PAY XXXX DOLLARS JUST TO HAVE REMOVED FROM MY CREDIT REPORT IM GOIN TO LAWSUB THEM FOR FALSE STATEMENT FOR DAMAGE MY CREDIT FOR NO RESON THANKS FOR THE INVESTIGATION
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian in your response to the CFPB you state that inquiries are factual record of companies who accessed and reviewed a consumers profile But if there is NO contract of business then it is considered unauthorized and has to be removed { law } you also state you mailed your document to me NEVER GOT THEM. understand that under 15U.S.c.1681 { B ] I XXXX is the original creditor on every thing and have full legal power to remove anything I want because there is fraud being reported on you credit report documents enclosed as proof because I never got documents you state you mailed. as original creditor I NEVER REQUEST ANY COLLECTION COMPANY TO COLLECT ANYTHING I ask the CFPB to assist in this matter
Consumer complaint received 2022-11-21
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. (LA)

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.