davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-25
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: WELLS FARGO & COMPANY (CA)

I have fallen victim of identity theft as a result of the 2017 XXXX  breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts. I have tried countless of times to call XXXX  to no avail. Their website is down and I am unable to properly dispute on their page. They're responsible for my identity theft.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

I had an account with Chime via XXXX last year that I was told was closed on XX/XX/XXXX without ANY notice, email, call, mail, nothing! During that timeframe I had several claims of fraudulent use of my card earlier in XXXX that were investigated with most charges being found to be " erroneous '' and thus any provisional credits were finalized. However, in the midst of this investigation my account was closed and I was unable to use my debit card nor even sign into my account to access information. I received emails from XXXX through XXXX stating that I had refunds sent to my account for substantial amounts : XX/XX/XXXX = {$540.00} refund from " XXXX '' XX/XX/XXXX = {$210.00} refund from XXXX XX/XX/XXXX = {$320.00} refund from XXXX ( Order number XXXX ) XX/XX/XXXX = {$54.00} refund from XXXX XXXX ( Order ID : XXXX ) ALL of these were received by the bank and I was not notified. I had no means to receive my money that was supposed to be in my account and I have no received a reply to my questions about my account in MONTHS. I have always gotten " Our specialist team is working on your request '' emails but in the months since I last received a response from the support email at Chime I have heard absolutely nothing and have no means to reach a person on the phone to discuss this matter. They tried making me jump through hoops to prove I am who I am by asking me to send in pictures of my driver 's license, utility bill, and social security number all of which I am not comfortable sharing over the email system. I should be able to speak with a representative who can resolve this matter in a matter of hours not MONTHS so I can have my money back! 

This is a total of {$1100.00} that I am being robbed of by Chime. They closed my account without warning and are still taking refunds that I am entitled to without giving me access to see and work within my account. If the account is truly closed as they said it was on XX/XX/XXXX ( my login access was shut down then I assume ), but then ALL of those transactions should not have been refunded and the original merchants should have received those funds back from which I could work with each of them on alternative forms of refundable payments not dealing with Chime, but the bank has seemingly kept all of my monies and I demand a full refund of all those fees immediately. 

-XXXX XXXXXXXX
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/2022. I did not authorize such an inquiry and demand that you contact XXXX XXXX XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2023-03-09
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. (NY)

n 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 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, 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 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 seven 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 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

I have been contacting Equifax for several months requesting my credit report so that XXXX XXXX XXXX can work with me on repairing my credit, I signed up for XXXX XXXX XXXX in XXXX of XXXX and they were unable to get my credit report from Equifax, even still to this day XX/XX/XXXX I am unable to access that report. XXXX is not able to pull that report from them either. I sent a written letter with copies of my identification and social security card to them to verify my identity per their request around XX/XX/XXXX and I am still unable to get access to my report, they told me it would take 3-5 business days originally to process, after speaking to a representative at Equifax today XX/XX/XXXX she informed me that no documents had been received yet and it takes 7-10 business days to receive as well as 7-10 business days to process. I am not sure how this is possible.
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 

Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 

As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 

Furthermore, I request that you investigate the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 

I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-12-10
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: SLM CORPORATION (MA)

In accordance with the fair credit act Ally Financial account # XXXX, Sallie Mae account # XXXX, XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX, have 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. 

15 USC 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 2023-05-03
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 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.

Under 15 USC 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 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NV)

ACCOUNT : LVNDFUNDING Account number : XXXX This information is being reported incorrectly! 
( Date Verified, Date Last Activity, Date Reported, Date Opened ) Also account was sold to collections agency that is not authorized to do business in my state the account was opened. ( XXXX XXXX Nevada )
Consumer complaint received 2022-07-18
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2023-03-09
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. (NY)

Dear Sir/Madam, I am writing this letter to dispute the previous investigation conducted by your bureau regarding my account with XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT # XXXX and ACCOUNT # XXXX. I would like to express my strong disagreement with the results of the investigation and the way it was conducted. 

Under the FCRA law, I have the right to know how the account has been validated, including the name, company, and phone number of the representative from whom the validation was obtained, the last day of delinquency, the last date of activity, and whether the company is properly reporting under my FCRA rights. However, I do not feel that a full investigation was conducted, as I was not provided with this information. 

Furthermore, I would like to bring to your attention that the account in question is being reported as open, which is inaccurate. I do not have an open account with XXXX XXXX XXXX, and I was not provided with an original validation that contained my signature. I believe that this violates my rights under the FCRA law. 

Additionally, I have reason to believe that XXXX XXXX XXXX is actively manipulating the payment history and charging off the account consecutively with some being reported back to current after it was reported closed and charged off, which is a violation of my rights. This action is causing significant harm to my credit score and overall financial health. 

Therefore, I demand that these accounts be removed for these violations. If your bureau can not confirm that every piece of information is 100 % correct, then I ask that you remove it from my credit reporting. 

I trust that you will handle this matter with the utmost professionalism and fairness. I look forward to hearing from you soon regarding the resolution of this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-12
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: Experian Information Solutions Inc. (NY)

This is my various 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to remove the accuracy of the bankruptcy information on my credit report. After reviewing the report, I have identified discrepancies in the bankruptcy details, and I believe that the information reported is not entirely accurate. 

Bankruptcy XXXX XXXXXXXX XXXX US BKPT CT CA XXXX XXXX On XX/XX/2017 you verified a public record I had disputed. It was a Bankruptcy XXXX XXXXdismissed reported/filed on XX/XX/2017 I am now requesting the method of verification, including the name and address of the furnisher of information. Not the source, but the furnisher or subscriber. 

I kindly request that you investigate this matter and delete the inaccuracies on my credit report as soon as possible. I understand the importance of accurate credit reporting and appreciate your attention to this matter.
Consumer complaint received 2019-09-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

For years I have been getting calls from Portfolio Recovery regarding debt I dont have. Im XXXX years old and never had a job, credit/debit card, went to college, hospital without insurance or anything of that sort. I have no debt, but the calls are nonstop. My number is even on the Do not Call registry. Yet still, it happens nearly single day ( sometimes multiple times a day ) from different numbers. I usually ignore, look up, then delete the number but have been keeping them in my call log so I can provide proof. 
In the past week I have been called by : ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 ( XXXX ) XXXX @ XXXX XXXX on XX/XX/2019 and they are all Portfolio Recovery numbers.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one joint checking. I had POA, and joint ownership of the acct. My Mom was in XXXX. I swept cash from XXXX XXXX into the acct in question. Then began moving it out and the actions were deemed fraudulent. I called to resolve the issue yesterday to no avail. Today I'm informed the bank has ceased business with me and locked the funds. My Mom died on XX/XX/XXXX and XXXX cant access the account nor close it. I am XXXX of XXXX designee and her heir per the XXXX. The bank is unhelpful, with further steps or actions to resolve the issue. I will have certified XXXX Certificates in the next couple weeks. I want to close the account and move the funds elsewhere. I have private care bills, pending income tax, and other business to resolve post death.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (LA)

I attempted to use my debit card to make a purchase online. Direct Express XXXX Comerica Bank rejected my payment. Which was weird because they allowed the previous charges to go thru for the same exact company. I call to see why its being rejected. Waited on hold for over 3 hrs for a human being to help me. Finally a woman tells me they thought it was fraud because it was a repeat charge etc. I tell her its definitely not its me etc- she said she has to transfer me to another person to verify my identity. Waited another 2 and half hours but I had to hang up to go to work. I attempted over 50 times to call again only to be met with the recording sorry we are busy call later. They have 24/7 customer service so I tried all day and night and still no contact with any personal. Then they have employees on XXXX to verify your identity supposedly however its XXXX that is not a very secure way to verify someone and expect them to give personal identifying information such as full social security numbers, address etc.. I can not pay my bills, buy groceries etc nothing because they have blocked my card- yet so not allow me to speak to someone to verify myself to unblock it.
Consumer complaint received 2023-02-06
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. (NJ)

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

I had originally lost my credit card and reported fraud for transactions that I did not authorize ( XX/XX/XXXX ). For some reason, transactions dating from XXXX  months back were also reported as fraud, causing me to lose business from multiple merchants. After attempting to resolve the issue multiple times during the course of the next XXXX  weeks with my bank, I still owed XXXX on the credit card. This amount was very incorrect and the customer service representative at the time agreed and reassured me multiple times that I would be receiving a check for the amount of XXXX so that I may manually deposit it and use the funds to pay off most of the amount owed on the credit card. Unfortunately no check was ever received and after contacting the customer service line again on XX/XX/XXXX, the case was escalated to the customer advocacy group and made it clear that I had not received the check and also repeating various times that I could not afford to pay the amount owed. For some reason, Wells Fargo forcefully removed XXXX from my savings account to pay the amount owed on my credit card. In no way shape or form did I ever authorize the transfer to be made but it was. I appreciate your time and help with this. Thank you.