davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

I provided the reasons for disputing the information. I have enclosed it again Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( XXXX ) to seek their assistance in resolving this issue. the fraud accounts are showing and I sent you a police report
Consumer complaint received 2024-09-21
Product: Credit reporting 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. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-20
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. (ID)

I read my consumer report and I noticed personal information that shouldn't ' be visible. I called the credit reporting agencies and let them know the information included in the documents attached are not to be visible. I have never given written consent to report at anytime.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-12-17
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

* CARD No : XXXX XXXX XXXX XXXX * CARD Balance : {$300.00} [ CASE XXXX ] * Date : XXXX * {$50.00} * Place : XXXX XXXX  XXXX XXXX CaSE XXXX ] * Date : XXXX * {$88.00} * Place : XXXX XXXX XXXX  XXXX  I tried to use the gift card in the XXXX places mentioned above XXXX weeks ago, but it was rejected. 
Because we had this problem last time, I tried to make several calls to XXXX XXXX XXXX to solve this problem. 

So, after the call on XX/XX/XXXX, the XXXX answered to apply for a detailed claim at the bottom of the site [ https : //www.prepaidgiftbalance.com ]. So, I accessed the site above and proceeded with the claim process related to the card usage problem. ( I attach the claim process. ) After the claim process, I didn't hear any response from US BANK NATIONAL ASSOCIATION. I didn't even hear any explanation of the filing completion email and process after receiving the claim. In addition, I tried to make several calls about the progress to XXXX XXXX XXXX, but I couldn't connect. 

The {$100.00} card I received as a gift last time had the same problem, so I am very disappointed and angry that the same problem has been repeated in succession during the claim process. 
In addition, when selling, it receives an issuance fee, but when a problem occurs, a solution is almost impossible. 

I request a full refund of the {$300.00} gift card I have now.
Consumer complaint received 2024-09-20
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 have sent many prior requests to your company to reinvestigate these inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling people 's credit without permissible purpose, and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the company listed and most of it do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 
DEPT OF ED Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-15
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo has been charging me {$5.00} monthly account fees since XX/XX/XXXX on my savings account. I have no recollection of agreeing to these terms and never understood why my account was charged as such. In total, I was charged {$75.00} between XX/XX/XXXX and now ( XX/XX/XXXX ) I called Wells Fargo on XX/XX/XXXX to ask for a refund of all this amount, they refunded {$10.00} and said they couldn't do any more. After they refunded the amount, I closed the savings account and transferred the remaining funds to my checking account. I am seeking the remaining {$65.00} XXXX. 

I am unable to locate any documentation that clearly outlines this policy.
Consumer complaint received 2024-12-15
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIBANK, N.A. (IL)

My avalialbe credit was credit was dropped approximately XXXX, negatively impacting my credit score. 
I have never missed a payment and paid on time. 
I have had 23 years of excellent credit history.
Consumer complaint received 2024-09-20
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. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX 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 604 A SECTION 2 ; IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-10-22
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. (MS)

A key XXXX wants credit reporting agencies Equifax, XXXX and XXXX investigated for allegedly failing to respond to consumer complaints during the pandemic. 

XXXX XXXX XXXX, the chairman of the House Select Subcommittee on the Coronavirus Crisis, said the nations three largest nationwide consumer reporting agencies have longstanding problems with responding to consumers who raise complaints about credit reporting errors. ( XXXX, XXXX, XXXX ) Pursuant to 15 USC 1681i, these CONSUMER REPORTING AGENCIES were negligent and non compliant to several of my disputed attempts. I had to constantly try to enforce my consumer rights from the time span of XX/XX/XXXX until present day, which I am still in communication in good faith, although their negligence has caused me and my family severe hardship. The willful and knowing adverse actions taken against me constitutes harassment, defamation of character, as well as identity theft ( unauthorized use ) for reporting inaccurate reports that were never investigated nor did I ever give my written instructions for these inaccuracies to be reported to my credit file. 

Furthermore, these inaccuracies did not seize to be reported to my consumer file before the end of the thirty ( 30 ) day period beginning on the date on which the agency receives the notice of dispute from me the consumer.
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I RECEIVED MY CONSUMER REPORT AND FOUND IT FULL OF INACCURACIES DELETE FROM MY CONSUMER REPORT IMMEDIATELY, INACCURACIES LISTED BELOW. 

XX/XX/XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( TRANSUNION ). 


XXXX XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE IS ( INACCURATE WITH TRANSUNION ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 


XXXX XXXX BALANCE XXXX XXXX STATUS CLOSED, ACCT # XXXX, LAST PAYMENT IS ( INACCURATE WITH TRANSUNION AND XXXX ( XX/XX/XXXX ) OPEN DATE ( INACCURATE WITH TRANSUNION ( XX/XX/XXXX ) LAST REPORTED DATE IS ( INACCURATE WITH TRANSUNION AND XXXX ( XX/XX/XXXX ) ( XXXX ).
Consumer complaint received 2022-06-25
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. stated 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 an account without my written instructions. 

15 U.S. C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-22
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. (GA)

Re : XXXX XXXX XXXX, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. 

In response, I received a letter from them ( attached ) stating that my request was received, reviewed and sent updated information about my recent payment to the consumer reporting agencies. THIS IS NOT WHAT MY INITIAL CORRESPONDENCE WITH THEM WAS CONCERNING. They further encouraged me to reach out to the credit bureaus to have each of them update their records. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.
Consumer complaint received 2024-12-15
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/year> & XX/XX/year>, I applied for credit at Well Fargo. And I have been denied access to my credit according to Federal Reserve Act. Wells Fargo continue to mention that my approval is based upon other credits accounts, incomes qualification and what's on my consumer credit reports- which is clear discrimination. None of those factors shall not determine my access to credit, according to the Equal Credit Opportunity Act & the Federal Reserve Act. I gave my application along with Tender to obtain access to my credit, yet still denied. Wells Fargo is treating me like a minor, which is violate Equal Credit Opportunity Act, because I have the full capacity to contract with Wells Fargo. Wells Fargo is violate Security Exchange Commission Act, because in their indenture agreement with the SEC, it indicates that I can surrender a note collateral of debt securities in exchange for for payments. Wells Fargo is holding on to my security collateral and not processing it per my request. Which is in violation of the security agreement with Security Exchange Commission. Also, I have remove any Power of Attorney that I may have been given to Wells Fargo directly or indirectly, due to Wells Fargo not upholding their fiduciary duties, so they must honor my request and run my application & tender through the Federal Reserve. In good faith, I gave Wells Fargo value consideration with securities collateral and i am not receiving nothing in exchange is unacceptable Window. Wells Fargo, has NOT provided me with any legitimate or legal reason on how they can loose or take any financial lost with my securities collaterals, by honoring my request to access to my credit. Any security interest is mention in ALL their contracts & agreements. There is NO risk to Wells Fargo.
Consumer complaint received 2024-09-20
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. (CA)

This is a new complaint in follow up to complaint i.d . : XXXX Please address these issue 's below : Dear Equifax, Thanks for updating the date of 1st delinquency, however, that is NOT what is being reported as completely inaccurate and false by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX behalf. This law firm is also falsely acting as a collection agency, when they are a law firm, along with their client, XXXX XXXX who has been sent multiple correspondences via certified mail with return receipt regarding the inaccurate and false amount their client claims that I owe them. Under California tenant/landlord law, XXXX XXXX XXXX my previous landlord has failed to send me an itemized state of deductions from my {$300.00} security deposit within XXXX. Therefore, XXXX XXXX is NOT owed any money from me, including the bogus {$150.00} amount they are claiming with XXXX XXXX XXXX XXXX which is being reported incorrectly/falsely on my credit report, which you continue to allow them to fasely furnish on my credit report and cause damages to my credit that are not true and accurate. NO money is due to them, as under California law they have forfeited any rights to not only withhold any funds from my {$300.00} security deposit or to be able to charge anything above the {$300.00} security deposit. 

Instead, XXXX XXXX actually OWES me a full and complete refund of my {$300.00} security deposit, which they have NOT returned back to me. I have contacted both XXXX XXXX and their law firm XXXX XXXX XXXX XXXX XXXX XXXX and both have been non-cooperative and non-responsive in refunding me the {$300.00} security deposit or removing the false {$150.00} collection amount which is NOT legally owed to XXXX XXXX. I am demanding that you take action and remove the inaccurate collection being reported on my credit report immediately.
Consumer complaint received 2024-09-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (OH)

This was an original car loan for my daughter obtained in I believe XXXX. I lost job & was not able to keep up payments & returned vehicle to bank. I never received any correspondence regarding the balance car was sold for. I have received documents from my HR department just now ( XXXX  ) advising the company Truist Bank is now going to garnish my check. I had a XXXX XXXX  XXXX & current XXXX  loan debt that will put me in more delinquent debt if this garnishment is initiated. This garnishment will take several years to pay off. I also would like the original contract & documents showing what car sold for. The amount shown with my HR department and what's on my credit report are XXXX different balances.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (TX)

XXXX XXXX ( or whom it is that is responsible for your entity 's enactment and enforcement of COMPLIANT reporting standards and requisite mandates ), I have been dealing with a series of credit reporting errors for several months and have reached wits end on how to proceed. I found several credit inquiries on my credit report that I have NO knowledge of. I followed the exact letter of the law and contacted the Credit Bureaus ( XXXX XXXX ) and disputed the validity of these Inquiries. I ALSO contacted the creditors directly. Several representatives informed me that the names listed did not match my name spelling ; others could not provide me with any information about the alleged application because their firms DID NOT retain the facts on this inquiry. I attempted to contact the three credit reporting agencies to speak with someone about this problem, and the fact that the details were either not retained by the creditors or not mine. I contacted each CRA and was informed that their records were correct. They declined to substantiate the claim and informed me I could file a fraud report if I WISHED, but they could not help me ANY further!

I submitted IN WRITING a Validation request under the FCRA title 611. This request was ignored by the creditors in question. When I called back and demanded to speak to a supervisor to find out the status of the Validation demand that I had filed, I was informed by a person who stated that HE was a supervisor, but refused to provide me with his operator number or extension, that THEY were not required by the FCRA to provide any VALIDATION information for inquiries, even if it could be Identity Theft.

Below listed are questionable, if not altogether erroneous inquiries you are reporting, each of which REQUIRES ERADICATION from reporting IMMEDIATELY and PERMANENTLY :
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonour ed FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as it is already corrected from the other bureaus. You have days to CORRECT these accounts listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-25
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: OPORTUN FINANCIAL CORPORATION (NV)

Oportun reported again to my credit report an account opened in 2016 resulted in an identity theft. I disputed that account several times with the credit bureaus and the credit bureaus removed the fraudulent account from my credit report and Oportun reports this fraudulent account again and again. This company should be investigated for ilegal and oppressive collection practices. 

Account listed in my credit report XXXX