davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
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. (GA)

I recently did an application for an apartment in XXXX and was denied and told by the apartment that two of my credit cards with the same company was closed. I was told by the apartment that the company closed my accounts in XXXX without notice or my knowledge. I immediately called XXXX  XXXX XXXX and was told that my accounts were NOT closed. I checked all 3 credit bureaus and they indeed closed and sent out information to all three bureaus stating my accounts were closed. I called again and multiple customer care agents state that the accounts were not closed but my credit line was suspended and that this was their policy. I understand but why would you send out to the bureaus that the accounts are closed when they are NOT there is a major difference. I attempted to dispute this with all three bureaus with no success. Because of how they reported it dropped my score significantly and is currently hindering me from getting approved not just for these apartments but for others as well leaving me XXXX. It is unfair reporting and someone should make XXXX XXXX XXXX specify the difference of a revolving account and a closed account. If my accounts are NOT closed why would you report it as such. Ive called them multiple times requesting that they provide a letter to my apartment complex explaining the situation and they stated no that they could not and will not do such thing. I also demanded that they report fairly and accurately to prevent future situations like this
Consumer complaint received 2023-04-04
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2021-09-07
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: CITIBANK, N.A. (OK)

I received a letter from Citi stating they could not verify the accuracy of credit information. However, I have NEVER applied for a credit card with Citi. The letter provided a reference no. and the letter said to have it available when I call. I called the number in the letter. They requested my social security number before they would talk to me. I have absolutely no intention of providing my social security number. Not sure what is going on here but definitely think it could be fraud.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TX)

Opened an account with Wells Fargo yesterday. Once opened I was denied access to the account due to someone elses information being attached to it. The verification number is not mine and Wells Fargo continues to prevent me from changing it. Theres a Georgia address attached to the account thats not mine. Original account was opened in 2013 but I didnt open it. They tell me to go into the branch and they will fix it immediately and I did but they didnt do anything. They rudely told me to make an appointment. I cant access the account. Someone who is not me has all of the access. Wells Fargo knows all of this and is unconcerned and dragging their feet to address it :
Consumer complaint received 2021-08-12
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: EQUIFAX, INC. (LA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2020-09-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (AZ)

Well in advance of my schedule XXXX auto-payment to VW Credit, I changed the bank account information, as I was closing the account from which the payments had previous been processed. I confirmed on the website that the correct banking information was now entered, and all seemed well. Nevertheless, VW Credit still posted the charge to my old account, which had an insufficient balance and caused me to be overdrawn. I asked the bank XXXX XXXX XXXX XXXX to put a stop on the payment, which they did. I also attempted to call VW Credit that day, but " due to high call volume '' the automated system told me to call back at another time and ended the call ( they wouldn't even let me stay on hold ). I sent a message through the website explaining the situation and asking for resolution, with no response. 

Fast-forward to today, I receive a message that my account is being penalized for the returned payment and that VW intends to report the payment issue to the credit bureaus. I attempted to call again, and was again not even allowed to wait on hold, only that I could call back again later. And I sent another message, which I assume will not be returned. I don't want to wait to find out. 

In the process, they have disabled the auto-pay screen, which previously showed the correct ( updated ) bank information I had entered. Now that it is disabled I can not even show evidence that I had done what I claim. I'm sorry that I didn't take a screen shot earlier but it didn't occur to me at the time that I'd have to go through this kind of extraordinary process. 

Finally, I attempted to pay the now past-due amount, but the system will only allow me to pay both the past-due, and the current-due amount ( which isn't actually due until next month ) as well as the penalties which I refuse to pay. Essentially, because of their error, VW Credit is attempting to have me prepay a month 's lease and a penalty, and providing me no method to bring my account current while disputing these completely inappropriate penalties. And they're threatening to ruin my credit in the process. 

I'm hoping you can help.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (WA)

XXXX. As a US bank client, I never opt in overdraft protection, I do NOT need it at all. However, US bank repeatedly charged me in total 9 overdraft fees ( {$36.00} each ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, respectively. I did not see any reason US bank should charge me any overdraft fees as I never switch on the overdraft protection. 

2. I called the customer twice and the manager ( a super nice man ) promised to waiver all the charged overdraft fees as he agreed that : 1 ) I encountered fiscal issues during the pandemic which is ubiquitous and understandable ; 2 ) I never opt in overdraft protection so US bank had no reason to charge me.

3. I got the first 5 out of 9 overdraft fees waivered, however, the latter 4 is still in the air and I called again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, however, US bank refused to waive the fee at this time. 

4. The latter 4 overdraft fees were repeatedly charged on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX when my account balance was more than XXXX  ( please refer to the attached file for more details ), which is really insane.

5. I felt I have wasted too much time on this piece of thing and hope it will be addressed ASAP. I honestly do not see any reason that US bank should charge any overdraft fee when my account balance is positive. Their malfunction banking system adversely impacted my life as I need to spend time dealing with the mistake they made.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2021-07-15
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. (IA)

I sent a dispute letter to Equifax pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Consumer complaint received 2020-09-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC (FL)

Call received : XX/XX/XXXX, XXXX XXXX  - Text from : XXXX XX/XX/XXXX XXXX XXXX  - Text from : XXXX XX/XX/XXXX XXXX XXXX  - Text from : XXXX Dates and Times of Calls/Texts : XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Length of Call : N/A What is the number they called/Texted? _Already reported Was the number on the XXXX XXXX XXXX XXXX? Yes If so, when was it placed on the list? XX/XX/XXXX Robocal/Robotext? Yes, ( 3 )  Robotexts WAS THIS CREDIT/BILLING RELATED? YES ( Entitled to an extra {$1000.00} per text/call ) Autodialer? Yes Name of company : MRS ASSOC. aka MRS   BPO  , LLC. 

Is the company representing someone? Yes If yes, Who? XXXX XXXX Website Given? No, website located through research If yes, what is the website? https : //www.mrsbpo.com/index.php Number given on website? YES If yes, what is the number? XXXX Verified? YES Friday XX/XX/XXXX, XXXX Email? NO, RESEARCHED TO FIND ON WEBSITE If so, what is the email? MRSCustomerService@mrsassociates.com Name of Operator/Sales Person/Supervisor : Initially on first/text call, What was said : Please Contact MRS Assoc. regarding a XXXX XXXX matter at XXXX XXXX XXXX XXXX. This is an attempt to collect a debt and any information will be used for that purpose. MRS is a debt collector.
Consumer complaint received 2020-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (PA)

I did a product change from Chase Freedom to Chase Sapphire Reserve on XX/XX/XXXX. The representative I talked to told me specifically that the annual fee will be {$450.00}. My annual fee was post on XX/XX/XXXX with the amount of {$550.00}, so I called them again on XX/XX/XXXX. During that phone call the representative told me {$100.00} credit will be post on my account in a few days. I never received those credit. Today ( XX/XX/XXXX ), I called them again, they said the two agents I previously talked to give me the wrong information and the annual fee will remain {$550.00} which they can not do anything about it. They asked me to pay for the extra {$100.00} which I am not responsible for.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized inquiries that have been made on my ChexSystems consumer report. I have reviewed my report and found inquiries that I did not authorize or initiate. These unauthorized inquiries are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also pose a potential risk to my personal information and financial security. 

I demand that ChexSystems : 1. Conduct a thorough investigation into these unauthorized inquiries.

2. Remove all unauthorized inquiries from my consumer report.

3. Provide a written response detailing the actions taken to resolve this issue.

To assist with your investigation, I am providing the following details : ChexSystems Consumer Report : Please note that I have not provided consent to the entities listed above to access my consumer report, nor have I initiated any actions that would justify these inquiries. Therefore, these entries are inaccurate and must be removed immediately.

Under the FCRA, you are obligated to ensure that my consumer report is accurate and reflects only authorized inquiries. I expect your prompt attention to this matter and resolution within the legally mandated time frame of XXXX days. 

I also reserve the right to pursue further legal action if these inaccuracies are not addressed adequately and in a timely manner. 

Thank you for your immediate attention to this matter. I look forward to receiving a response.
Consumer complaint received 2021-07-15
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. (IL)

I have contacted Equifax special handling department and explained that I had received notification that someone had applied for some accounts in my name. I had called the companies and explained the situation and they noted the incident. I spoke with someone but they didn't seem to understand what I was telling them. I keep checking my credit report and these inquires are still listed. Please delete this FRAUD information from my report.
Consumer complaint received 2020-09-10
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. (PA)

Hey I send letters to the Equifax and creditor they keep saying updated and I never ask for a update Im asking deletion because late payment and inaccurate reporting. They dont even have consistent reporting on my payment history.
Consumer complaint received 2021-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I'VE SUBMITTED DISPUTES AND NEVER GOT A RESPONSE. I BELIEVE THAT THEY ARE PURPOSELY NOT WORKING ON DISPUTES WHICH IS A VIOLATION OF FCRA. PLEASE ADVISE!
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX  XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Consumer complaint received 2024-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It took me over a week to get my credit unfrozen with Transunion. You can not unfreeze your credit on their website- they have had an 'error ' page up for several years now that says you have to call their 800 number. It took several attempts over the last week to reach them by phone.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

To : Capital One My name is XXXX XXXX and Im contacting you because your company placed an unauthorized inquiry on my credit report on XX/XX/year>. 
I demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this inquiry.

Either provide me strict proof or DELETE the item immediately. If you do not delete the inquiry in 15 days I will take legal action.

Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter.

If you ignore this letter and do not delete the inquiry or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. 

Your cooperation in advance is appreciated. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-23
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Arivo Acceptance, LLC (KY)

Arivo Acceptance has been harassing my husband and myself. They were told repeatedly starting in XX/XX/XXXX to stop contacting people in my family over something in my husbands name. They claimed to place a block on contacting others XX/XX/XXXX. Today XX/XX/XXXX they contacted my husbands employer/ boss. Ive asked multiple times via email and phone. Nothing is being done and they wont stop harassing us.
Consumer complaint received 2024-11-01
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. (GA)

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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 XXXX 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 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please provide specific evidence of consideration extended directly to me. Should you fail to provide such documentation within fifteen business days, this will constitute your consent to repay the balance shown ( which is a billing error as a positive balance as i understand general accounting practices positive is what i have in my account and if i add anything to it the value will go up not down ) on my report in a positive amount due to me, multiplied by four as a remedy for the oversight. 

Furthermore, I understand XXXX XXXX XXXX to mean along with others all obligations are that of the United states treasury which means they must have performed to create this note and the public debt needs to be balanced. I request that settlement or payment for all credits or positive balances be transferred back to the U.S. Treasury account in which I am designated as a Beneficiary. I would also appreciate guidance on any steps required to access this beneficiary interest upon repayment of this credit. 

Thank you for your prompt attention to this matter. I look forward to your response and confirmation of the requested actions within the specified timeframe. 

Sincerely, XXXX, XXXX : Beneficiary