davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IA)

on XX/XX/10 I was scammed by an individual using XXXX through Wells Fargo. After fake emails/texts that were manipulated, we transferred {$300.00} to the scammer in order to complete the transactions ( which we were supposed to received {$300.00} ). Once I realized it was a scam and the money had been sent, I immediately tried to call XXXX to cancel the transaction but they said I had to go through Wells Fargo. So I immediately called WF and as explained the situation, of which they opened a claim. Keep in mind I still had the person on a text conversation and if someone would have looked into the email and phone number at that moment, at least this scammer could have been caught/flagged/punished. Instead since it was a verified transaction Wells Fargo won't do anything and XXXX wipes their hands free of these issues. So no insurance or protection for consumers. 

PS I have various screenshots to show interaction with scammer.
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byers Law, LLC (MD)

I was granted rental asstice threw the State of Maryland threw harford coumminty action. My landlord did not take the rental asstince instead he evcaited me in court on XX/XX/2021 in XXXX XXXX MD. Now a year later a debt collater on his behalf is sueing me for the money he was offerd bye the state that he turned down.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MN)

I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. 

I first noticed this problem when I was late on a payment in XXXX of XXXX. 

I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. 

I filed a dispute with Equifax in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked today ( XX/XX/XXXX ) and it is still not showing up. 

From what I can tell XXXX and XXXX are also reporting the same error.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (FL)

Purchased a patio sofa set with insurance from Wayfair after applying for credit in XX/XX/XXXX. I returned the product in XX/XX/XXXX and received confirmation from Wayfair that all items had been returned. Wayfair credit is provided by Citibank. Wayfair did not refund the total amount of the purchase to Citibank all at once. They released amounts in four different amounts over a period of three months. During this time, Citibank was charging me interest and reporting to the credit bureaus that I was last making payments. I contacted Wayfair and Citibank in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to verify the merchandise was returned and that nothing was owed. In XX/XX/XXXX and XX/XX/XXXX, I was on the phone with Wayfair and Citibank and a representative from Wayfair informed Citibank that the merchandise was returned and there is no balance. However, to date, Citibank states {$4.00} is still owed which is now over {$170.00} in interest and late fees. In addition, I have called Citibank numerous times filing a dispute which they have denied. During this time, my credit score has dropped over 160 points and most of my credit card companies have lowered my credit limit. Please help me resolve this issue asap.
Consumer complaint received 2023-12-06
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. (NC)

n accordance with the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
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. (MA)

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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: Aldous & Associates, PLLC (AZ)

ALDOUS, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given ALDOUS whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Consumer complaint received 2023-01-13
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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 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 The following account listed below were paid on time. Please correct and forward to me an undated copy of my credit report. Your prompt attention in this matter is greatly appreciated
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX apt XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by TransUnion Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to TransUnion concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) XXXX received a response from TransUnion indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim.

Despite my attempts to communicate with TransUnion, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against TransUnion for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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: NAVY FEDERAL CREDIT UNION (NC)

I requested a preapproval and XXXX XXXX XXXX pulled my credit without my permission or signature. The date of this action was XX/XX/2021.
Consumer complaint received 2022-08-02
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. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. XXXX XXXX XXXX and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 FL XXXX
Consumer complaint received 2023-01-13
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. (IL)

XXXX XXXX and Experian Please make-up your mind You are reporting me delinquent for XXXX XXXX XXXX XXXX as followed for 2019 XXXX Delinquent for XXXX XXXX and XXXX Experian DELINQUENT FOR XXXX XXXX AND XXXX XXXX DELINQUENT FOR XXXX XXXX AND XXXX It has been multiple time not one not but minions of times that XXXX has provided you with the current delinquency months yet you XXXX XXXX End Experian have failed to update it correctly
Consumer complaint received 2022-08-02
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. (CA)

They have just provided information regarding credit reports ( this is all common sense and i am aware of what exactly affects credit scores ) I am not an XXXX. They have provided standard info that i think everyone knows affects their credit scores!!! ' They have not responded to 2 of my main points : 1. I have added 4 bills to Experian boost, and it recognized that 3 payments made on each one, but it made no change to my Experian boost or score. Today the 3rd payment was added for my XXXX & XXXX ( XXXX and XXXX ) bill and i got a notification that 3rd payment received and ready to add to boost but again for the 4th bill now it made no difference to my Experian boost and no points were added. So i want to know why 4 bills added to boost with 3 payments on each ( i got the notifications that bill ready for lift off and again its not recognizing or picking up the 3rd payment from the same XXXX XXXXXXXX account. Today it shows 2 payments on my XXXX XXXXXXXX card but the 3rd payment was posted to my XXXX XXXXXXXX account so should have made my score go up or at least recognize the 3rd payment!!! I have 4 utilities recognized by Experian boost but says " no change made to your score at this time '' for all 3 bills they recognized!!! 2. My auto loan made no change to my score for the entire year i had the loan with XXXX XXXX. I also have my XXXX XXXXuto loan i have als been paying every month early and again still no change to my XXXX XXXX  They are not providing answers to my inquires they are just sending an automated response about credit scores that even a XXXX Knows!! I want someone at Experian to actually check my credit score and check the bills i added to boost!!! to see why some payments are not being recognsed on their system ( eg it shows 2 payments made for sdge when i have made the 3rd payment!!!! )
Consumer complaint received 2023-01-13
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. (NV)

XXXX, reported a hard inquiry on my Equifax credit report. However, I never applied for any credit with XXXX, and I never gave XXXX the authorization to run my credit. I feel that this is fraud.
Consumer complaint received 2022-08-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge Pite, LLP (CA)

Received two letters in the mail, one addressed to me ( name spelled incorrectly ) and one addressed to the occupants of my home address. The date executed on paper states XX/XX/XXXX. The letter is informing that my property will be sold if the amount of {$21000.00} isnt paid within 90 days. In the paperwork the notice is given by Clear Recon Corp and the deed trust dated XX/XX/XXXX, executed by XXXX XXXX, AND XXXX XXXX XXXX. This looks like an old debt that these two people never paid when they used to own the house. I purchased this home on XX/XX/XXXX. All my finances are current and up to date
Consumer complaint received 2022-08-02
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, Equifax XXXX Fed XXXX service # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX collection # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX of XXXX XXXX XX/XX/2016 {$380.00} XXXX {$2200.00} # XXXX XXXX XXXX XXXX XXXX {$380.00} # XXXX XXXX Fed charge off # XXXX XXXX charge off # XXXX XXXX XXXXXXXX # 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 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. ()

Today i try to made a wire transfer to my doctor for XXXX but the sistem cancel so i call to see what was the problem and nobody try to help me they just say call back or go to a branch im in XXXX and i need to send the wire to pay for my XXXX on Saturday
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Subject : Dispute of Incorrect Address Information on Credit Report To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint regarding XXXX, Equifax handling of my request to remove outdated and incorrect address information from my credit report. Despite multiple requests to correct this information under the Fair Credit Reporting Act ( FCRA ), my report still includes addresses that are no longer valid or do not pertain to me. 

Specifically, my XXXX credit report includes the following incorrect addresses : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These addresses do not reflect my current or past residences and, therefore, are inaccurate. Under the FCRA, credit reporting agencies are required to maintain accurate information. Failure to remove this outdated and incorrect information is not only misleading but potentially harmful to my credit standing. I kindly ask the CFPB to assist in ensuring that XXXX complies with the FCRA by updating my credit report to reflect only accurate and relevant information. 

My current address, which should be the only address on file, is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX Thank you for your attention to this matter, and I look forward to a timely resolution. 

Sincerely, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-08-02
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. (GA)

I asked the credit reporting agency to verification on my credit report. They did do one and stated that everything was accurate. I also did a thorough research as well and found improper inaccuracy in my report even after. 

In accordance with the fair credit act XXXX  account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX XXXX 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 602 Section A : It also states a consumer report can not furnish an account without written instruction.
Consumer complaint received 2022-08-02
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. (GA)

My name is XXXX XXXX XXXX, I have reported this as my only name to the credit bureau and it is still not being reflected on my report. I demand that this be the only name reported and all others be deleted. I have attached an utility bill. 

In accordance with the Fair Credit Reporting act the following companies have have violated my rights. 

XXXX XXXXXXXX XXXX - Account number : XXXXXXXX XXXX XXXXXXXX - Account number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX - Account number XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX : Account number : 470614X 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 an account without my written instructions. I have not provided permission.

15 USC 1681 ( a ) ( 4 ) Violation of Privacy- Your company did not ensure that this information is accurate, as it is reported differently or not at all on my other reports, and you do not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this the violation of my rights to privacy.

15 USC 1681 ( d ) ( A ) ( i ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate is whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST CITIZENS BANCSHARES, INC. (FL)

Several weeks ago I applied online for a savings account. I completed all of the necessary information to open the account and have it funded with {$75000.00} coming from my primary checking account. 

On XX/XX/XXXX I received emails for TWO checking accounts that were opened, each for {$75000.00}. I never authorized two accounts ( the bank has acknowledged this ) and by the time I noticed this mistake, {$150000.00} was deducted from my accounts. This caused an overdraft in my primary checking account as well a depletion of funds from another account that was linked to my primary for the purposes of over draft protection.

More importantly, this is now leaving me and my wife without funds to pay our bills. We have addressed this with the bank who is declining any expedited way to refund our money.
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (GA)

Carvana failed to provide full disclosure of contract. Please see below attachments in regards to this matter. I have sent these documents notarized and priority mail on XX/XX/XXXX and I have to date received my confirmation. 

Tracking XXXX My efforts to resolve this matter has been sent via mail to the XXXX headquarters of purchase and corporate headquarters. Both, were tracked deliverable on XX/XX/XXXX.