davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
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: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX Wells Fargo added a false charge of {$2100.00} onto my credit card account. They claimed it was a balance transfer because I cancelled my credit card for that account but the balance they claim was transferred is not money I ever owed. 
I already had a balance on my account of {$5000.00} for charges I made and the only reason I cancelled my Wells Fargo credit card was because of fraud and I ordered a new credit card and then Wells Fargo added a {$2100.00} extra charge onto my account and I dont even understand where that charge came from and it is not money that I owe. I called Wells Fargo and asked them to go through all of my charges with me on the phone and to tell me where the extra {$2100.00} charge came from and they couldnt even explain it to me. They just repeatedly said it was a balance transfer from the credit card you had replaced. Which makes absolutely zero sense because I have replaced my Wells Fargo credit card many times this past year due to fraud and I never had a random charge on my same credit card statement called balance transfer. 
I have added up every charge on my statement and all of the payments I have made in the past few months and this bogus {$2100.00} balance transfer charge is fake and Wells Fargo can not explain to me where that charge even came from. 

Here are all of the payments I have made on my Wells Fargo credit card balance since XX/XX/XXXX when I had a XXXX balance on the credit card. 
XX/XX/XXXX - {$2800.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$2100.00} XX/XX/XXXX - {$100.00} Since the time my balance was at {$0.00} on my credit card statement, if you add up all of my charges and then subtract the payments I have made on my credit card, this balance transfer charge of {$2100.00} came out of now where and is fake and Wells Fargo is trying to steal money from me with a bogus charge.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2022-07-10
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: Affirm Holdings, Inc (NJ)

I have called this company for the past 4 months and told them this is fraud and I have never opened this account and they say they will look into it and get back to me. Well this is going on for 4 months with no answer. My credit reports keeps going down and this is not fair.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (CA)

I am the victim of identity theft. It was a 'phone porting ' scam whereby my previous cell phone number was ported illegally from XXXX XXXX XXXX to XXXX . The scammer was then in control of my old phone number ( XXXX ) and used it and other of my personal information to hack bank accounts and create credit accounts. The phone number was also used for ride-sharing service, XXXX. Several rides were taken and charged to my account. I have contacted XXXX and the identity theft is known by them. I have been receiving repeated billing from a debt collector working for XXXX, TRS Recovery Services, XXXX XXXX XXXX XXXX, XXXX GA XXXX. I have reported the fraud to TRS through their website.
Consumer complaint received 2022-07-10
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. (NC)

In accordance with the fair credit Reporting act XXXX AccouRt # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

11.0K 15 USC 1666B : A creditor may nai treat a payment on a credit card XXXX account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX is showing up on Equifax and XXXX twice reporting 149 to 180 days past due when the account shouldve been in deferment. I had filed for deferment for six months and while I was on deferment they were reporting payments as being missed. I had them backdate my deferment and the Representative did not backdate payment. 

So I have two XXXX XXXX that need to be updated or removed from Equifax and XXXX. They need to updated the account as current or just remove it since it's from XXXX They also sent me to collections with US Department of ED/XXXX while I was in deferment or I thought I was supposed to be per their agent over the phone. The collection account is showing twice on my XXXX report called US Department of EDXXXX and XXXXhat needs to be update or remove all together Thats what caused this issue I'm having. I also filed another six-month extension on my deferment And since the last one was backdated I did not need to backdate Second deferment of my payments. Next thing I know Im being sent to collections to the XXXX XXXX XXXX XXXX XXXX. I have worked with a company and gotten most of these taken off my report but there is one in 2 XXXX XXXX and one XXXX XXXX that was paid on time. All three accounts are closed however two of the accounts are showing 149 to 180 days past due that need to be removed. Since it was in for XXXX that information is incorrect and should be removed and updated with never late/current/closed account The date that this was closed was XX/XX/2016 for both accounts. For my XXXX and Equifax Report the exact same thing is happening however on XXXX and Equifax there is only one past due account. The bank fix the other one when I disputed the account. 

There's only 2 one accounts. 1 one of them says current and the other 1 one says 149 to 180 days past due. This is the one that was closed in XX/XX/2016. Since the account was in deferment and the payments were backdated there should be no missed payments. And the status of the account should say never late/current/closed account. I did a total total of 12 deferred payments and 10 of those were backdated. For XXXX neither account shows up on this report because I had them dispute it off and the bank removed them. I dont know why the bank hasnt removed all of them from all of my reports but every time I dispute the ones on XXXX and Equifax they tell me everything is correct now. However on XXXX there are two accounts that have the student loan company put two collection accounts on my XXXX report which needs to be update to current or just deleted all together its called US Department of EDXXXX
Consumer complaint received 2022-07-10
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. (OH)

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) Section : States 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 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I paid this account in full back in XXXX. I was told they would delete this account from all 3 credit bureaus when the payment cleared. I called them after clearing and they gave me a fax # to fax a goodwill request and said it dhould be tsken care of in five days. I paid and stuck to my end of the agreement, now they received their money snd wont fufill their end. I request this tradeline be deleted from all 3 bureaus as agreed.
Consumer complaint received 2022-09-12
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. (OK)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equitax written permission to furnish
Consumer complaint received 2022-07-10
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: Kikoff Inc. (AL)

Kikoff continues to harass me and fraudulently report a {$12.00} loan I never applied for. I am again telling them to stop reporting this loan to my credit report. MY FATHER opened this account without my knowledge. He had access to my phone and previous email addresses. He has opened a few other accounts in my name and these companies had no problem investigating the matter and stopped reporting. Kikoff is completely ignoring the police report that was filed verifying this crime against me but for some reason, Kikoff insists on harassing me by reporting this erroneous information. PLEASE review the police report, call the police department for verification and go after XXXX XXXX  for your {$12.00}! Delete this account now or I'll have to file a complaint with the XXXX  and XXXX Attorney General.
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selip & Stylianou, LLP (CA)

I paid full amount they were collecting for XXXX XXXX on XX/XX/2021. They have not notified as XXXX as of yet that amount was paid in full neither provide with any further information other that the account has been settled and they dont know why is not remove from my credit report
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (SC)

I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Consumer complaint received 2022-07-10
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. (NY)

In accordance with the fair credit reporting act the list of accounts below had violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681 Account # XXXX - US Dep Ed, XXXX - XXXX XXXX XXXX, XXXX US Dept Ed, XXXX - XXXXt, XXXX - US Dep Ed, 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 have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ) FCRA section 602 A ). states I have the right to privacy 15 U.S.C 1681b-a ( 2 ) ( section 604 A section2 ) : it also states a consumer reporting agency can not furnish an 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 ( they may only report crimes. Not " Debts '' ) which antidates the report by more than seven years is 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 information is accurate.
Consumer complaint received 2022-07-10
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. (CA)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, US DEPT OF EDU Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2022-10-20
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: DISCOVER BANK (TX)

Discover Bank 's Discover Bank Consumer Privacy Statement says that Discover Bank does not share consumer personal information with nonaffiliates but has furnished my non public information to nonaffiliated third parties such as credit reporting agencies. I opt out of, consented or implied consented, reporting of this information. It is an invasion of my privacy and against the Privacy Act of 1974. There is no law that states Discover Bank MUST report any information about me to a third party. Removal of my personal information they have shared needs to be done immediately.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/22 I recieved a txt stating that XXXX dollars was being requested by someone on XXXX and if it was actually me who did this action. It stated it was from Chase via XXXX  fraund dept. I said no, and immediately got a call from the supposed fraund agent named XXXX. He told me to follow his instructions by going to my bank and finding the XXXX  app, to place XXXX dollars on this app.to be recieved back to me XXXX XXXX and it would be returned to me within 20 mins, to verify faurd. Within 30 mins. I called my bank and told them what happened and they said Chase wouldn't do that, well i didn't know. So they did an investigation and told me it was authorized and they wouldn't return my XXXX dollars. Now i only authorize it to come back to me and no one else. 
Sadly this is the only money i have in the world because i am an elderly person living on social security, this is devastating for me.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Lazega & Johanson LLC (GA)

I filed a dispute with Lazega & Johanson , LLC over 30 days ago .I informed Lazega & Johanson , LLC that I am disputing their claim.moreover I requested that Lazega & Johanson , LLC supply me with copy of the contract with my authentic signature and XXXX XXXX XXXX XXXX XXXX signature which makes the contract legal Lazega & Johanson , LLC never provided a true copy of contract with my authentic signature or XXXX XXXX XXXX XXXX authentic signature and continue to harrass me with lawsuits and fees thats are not included in the original amount.the consumer is not responsible for any other fees, late fees, or finance charges outside of the original amount owed and that is in the FDCPA. I the consumer has been tricked to pay fees I was not supposed to pay out of fear of getting sued and being threatened by Lazega & Johanson and by XXXX XXXX XXXX XXXX and I want my money back. I am in fear of Lazega & Johanson and XXXX XXXX XXXX XXXX with all of the threats, phone calls, and letters that I have received from them.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally Lazega & Johanson , LLC and XXXX XXXX XXXX XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (NC)

I have never received any contact from this company either by mail or by phone. I remember during the month of XXXX I started receiving what appeared to be robo calls. I would receive 2 calls per day on my cell phone from different phone numbers in the state of Virginia with no caller ID, and I would receive 2 calls per day on my home number from various numbers from different cities in North Carolina, again no caller ID or messages were left for me to call back. After approximately 30 days the calls stopped and this company put a collection notice on all 3 credit agencies. I was never contacted by mail nor were any messages to call back were left on my phones. I was never given the opportunity to discuss this account or work out any options with them.
Consumer complaint received 2022-10-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (MD)

This account reported to the credit bureau late XXXX to 60 days. when this account was open i was old this was not a credit base account. the creditor did not notify me that my account was not current. this account was placed on autopay in which a receipt was sent monthly stating that the bill was paid. No phone calls or letters that stated otherwise. 
I attempted to call multiple times to resolve the issue with no help just being passed on from XXXX person to another. This matter has caused serious mental distress being as though am due to settle on a home in the next XXXX weeks. I've been told this matter will correct itself and there's nothing more that can be done. 
in accordance with Fair credit reporting act XXXX  account ( Acima digital fkf simp ) and XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A states the right to privacy.

15 U.S.C 1681 section 604 A It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-20
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. (GA)

I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.