davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXXXXXX 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
Consumer complaint received 2023-03-24
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXXXXXX 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
Consumer complaint received 2022-05-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I was a victim of fraud and scam scheme where I was deceived and lost {$500.00} via XXXX XXXXy Cash Person-to-Person. Once the transaction occurred the fraudulent merchant blocked me and no further communication could be made with the merchant. Immediately once the transaction was posted to my checking account, I filed a dispute with Wells Fargo. Wells Fargo denied my claim stating that the transaction is not fraudulent and upon calling the claims department to obtain more information, I was told that their definition of fraudulent does not match the dictionary definition and does not cover deception or scams. As a result Wells Fargo is not willing to help me with this fraudulent transaction.
Consumer complaint received 2021-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a kohls credit card that I've had open since XX/XX/2020 and I tried to log in to my account online. I have a totally different account number, information and wierd activity as for not updating or old information that I've constantly told kohls Corp about, it still is the same. My card has one number, and the online had another account number and I'm able to see my information, rest my password and log in stuff, and my history information is not there, it says I'm over my limit, late payment, zero payment made, and no dates available to view. But my card I call on the phone tells a totally different story, account is current, no late payment, payment on file, available credit limit is very low, and I am unable to use any discount, program credits, or use any account discount to pay for stuff and get my rewards points. So I need 911 help with my account, due to no one activity wanting to help, very hard to reach customer service or corporate office help. So I have ro use this form to get help in my opinion.
Consumer complaint received 2021-02-24
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)

XXXX XXXX continues to report to XX/XX/XXXX and Transunion that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2022-04-21
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. (MI)

This is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX Removal of late payments. 

XXXX  XXXX Removal of late payments or removal of the account. 

XXXX XXXX XXXX XXXX Removal of Account Entirely In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Consumer complaint received 2021-02-24
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)

My personal sworn statement & Declaration : I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you do so for. I want to make it clear that I am not making this request in error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

In XX/XX/year>, my business account with XXXX XXXX  ( Account XXXX. XXXX ) was closed due to an overdraft and subsequently sent to collections. The balance was paid in full on XX/XX/year>, via XXXX XXXX XXXX ( File Number XXXX ). I also received a letter from XXXX XXXX  XXXX collections department confirming the account has been fully resolved. 

Despite the resolution, the account continues to be reported by ChexSystems, marked as " paid. '' While this status is technically accurate, the continued presence of this account on my ChexSystems record is unfairly detrimental to my business, XXXX XXXX XXXX XXXX ( XXXX : XXXX ). It misrepresents my businesss financial health and prevents me from accessing essential financing. I am the sole owner of this business, under my SSN ( XXXX ) so it is as if my personal credit is being impacted. 

I have contacted both XXXX XXXX  and ChexSystems to request the complete removal of this account from my record. However, I was informed by XXXX XXXX  that ChexSystems will retain the information for up to XXXX  years. This is unnecessarily punitive and violates my rights under the Fair Credit Reporting Act ( FCRA ) to have accurate and fair reporting. 

I am requesting the Consumer Financial Protection Bureaus assistance to ensure that ChexSystems removes this account entirely from my record. The continued presence of this account, despite being paid in full, unfairly impacts my ability to secure financing and is harmful to my businesss operations.
Consumer complaint received 2023-06-12
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-21
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. (CA)

I'm a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card accout ( s ) and this has caused me to be misrepresented. My creditworthiness is displayed publicly to lenders causing a hardship. I'm also getting denied for future products.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Global Lending Services LLC (GA)

I have an account with Global Lending Services, account # XXXX. I have been told that the fees will not create a problem with my performance. The statement was untrue. The fees have come up even on my billing statement. My balance should've been {$1000.00}. They also tried to run a payment multiple times, creating other expenses on my account. I took care of the charge, but they refused to remove the fees and attempted to rerun it. The organization 's representatives keep overshadowing the calls. Per FDCPA they have committed violations and they have violated the CFPB. I do need them to adjust the balance on my account to reflect {$1000.00} in their system ad on paper before I pay anything else on the account. Until the account balance is fixed, they shouldn't be able to repo my car. 
They also contacted my relatives before calling me when I was requested not to unless my phone was disconnectedthey called over three times a day without leaving a voice mail. I asked that they give me time to return the call, and they did not.
Consumer complaint received 2022-06-23
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. (TX)

Equifax report a collections account " XXXX XXXX XXXX ''. I have no knowledge of this account. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXX XXXX, verbal agreements nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I am having a serious problem with Experian. I disputed with Experian that the XXXX  XXXX XXXX account number XXXX was not reporting accurately on my credit report. They then sent me a credit report stating that this account went into a charged off status in XXXX XXXXand I disputed that. Today XX/XX/XXXX I got an email that they had updated my account and that the account went into a charged off status in XX/XX/XXXX and this is false as we were disputing this account before XX/XX/XXXX. Once again no investigation was done on the matter but Experian only placed what it wants to place on the credit report. I submitted to Experian for there method of verification as it pertains to this account and they got my request on XX/XX/XXXX and to this date almost 2 months later they have failed to provide me with the method of verification which is my right under the Fair Credit Reporting ACT but is just telling me that the account is been reported accurately and this is a clear FCRA violation. 
On the credit report there is no payment information listed on my credit report between the periods of XX/XX/XXXX and XX/XX/XXXX. So, where is that information? How can we know if this account ever went into a charged off status without that information. The account is been reported as paid in full so when was that payment made and why is not listed on the account payment information? The account and payment information is missing, incomplete and inaccurate and the Fair Credit Reporting Act states that if information on a credit report is missing and incomplete then the item should be deleted from the credit report.
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (MD)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2023-06-12
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. (NY)

I am writing to dispute an unauthorized credit inquiry on my credit report. I visited a car dealership that was supposed to run only XXXX account for me, but instead, they ran my credit for multiple accounts and resulted in multiple hard inquiries on my credit report. I did not authorize this inquiry, and I was not informed that my credit would be checked for multiple accounts. 
I am requesting that this unauthorized inquiry be removed from my credit report immediately.Please investigate this matter and remove the inquiry from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter.
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I've maintained a checking account with Fifth Third Bank for the last couple of years. I recently moved from XXXX XXXX XXXX XXXX, and have used my account less frequently. I contacted the bank to update my address in XXXX of XXXX. 

Shortly thereafter, with no notice, the bank began charging me a " Dormant Account Fee '' of {$5.00} per month. I did not receive any written or electronic notice from the company until XXXX of XXXX. It now appears that they have taken {$50.00} from my account, which represents 10 % of the total amount of money in the account, and the equivalent of a 30 % APR. 

This " Dormant Account Fee '' was not disclosed in any clear or conspicuous way when I opened the account. Worse, I was not notified prior to the account being considered " Dormant. '' Additionally, I was in contact with the bank about my account in XXXX of XXXX. I was told by their customer service representative that accounts are only considered " Dormant '' if there has not been activity for 12 months, which clearly there was in XXXX of XXXX. 

Fifth Third Bank refused to refund these fraudulent and abusive fees and threatens to continue to charge them.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (PA)

XXXX XXXX XXXX .... Balance {$61000.00} - Data furnisher is in Violation of FCBA 15 US Code sS 1666 " Adverse action '' never notified me about putting any negative information on my credit report or reason why?. The " Account Specifics '' " dates for payments '' and dollar amounts are all inconsistent. This negligence by the Data Furnisher has led to " Billing Errors '' on the " Payment Grid '' and Please remove from my credit reports consistency with amounts along with erroneous and inaccurate information between all 3 bureaus. These are violations of Eoscar and Metro2 protocol for the " carbon copy rule '' for all data furnishers to be in compliance. This was done to avoid the reporting of erroneous and inaccurate information between all 3 credit bureaus and the data furnisher is in violation. Please correct and update. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance {$520.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance {$9600.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately. 

SOUTHWEST CREDIT SYSTEMS XXXX Balance {$670.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX .... Balance {$1900.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately.
Consumer complaint received 2021-02-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Good day, I recently checked my credit report and I noticed several inaccurate items. I did my research on how the government/credit bureaus suggest I file my dispute. After going through the necessary steps I filed the dispute on XX/XX/XXXX and to this date XX/XX/XXXX I have not heard anything back from each bureau. I made them aware I just found out my information was compromised in the XX/XX/XXXXdata breach. At this point Im afraid my information may have fallen into the wrong hands without my knowledge.