davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I was in XXXX XXXX on the night of XX/XX/XXXX. I had my phone with me and at some point around XXXX XX/XX/XXXX my phone was pickpocketed and I was unaware. I had gone back to the hotel and gone to sleep. I woke up in the morning and checked my pants where my phone should have been and it was missing. I thought that I may have left it at dinner or cesars casino so we retraced steps and nobody had it. At this point I knew it was most likely stolen and had reached out to Wells Fargo Fraud detection and sure enough there was an abundance of charges made that were unauthorized. I had Wells shut down my account immediately. The assailants had switched and locked me out of my XXXX XXXX. My wells debit card was attached to my digital wallet as well as my online banking app which was how the were able to transfer money illegally and without consent or authorization. There were XXXX charges totaling {$3400.00} from the suspect named XXXX XXXX via XXXX. These were noted as fraud by wells fargo and refunded. next, they transferred {$11000.00} via XXXX XXXX from my debit account after they gained access ( the same way they were able to XXXX. these were all done withing the same amount of time as each other. the XXXX XXXX XXXX  transfers were done consecutively with charges of the following amounts... XXXX. The claim for the {$11000.00} was under claim # XXXX for that total amount. I received a letter on XX/XX/XXXX that they would only be refunding {$1500.00} of the {$11000.00} even though there was not a charge of that amount and also, all charges that were made under that claim were made by the same person and at the same time. I asked why only a portion was being refunded and they only said that they have done an investigation and they had made their final decision that is final with no additional information as i was asking repeatedly. Furthermore, the thief was able to charge multiple transfers via XXXX close to {$5000.00}. XXXX was able to look into this and determined that it was fraud and had refunded my money in full. Also, they were able to open an XXXX XXXX via XXXX XXXX. They were able to get an immediate credit line and I was told they spent almost {$1000.00} at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX. I let them know that this was fraudulent and they had the card shut down immediately and determined fraud so that I would not be charged. I also made a police report with the city of XXXX XXXX the same day i found out and the case or report number is XXXX. I have requested a copy of the report and am still waiting for it via mail as I am unable to pick it up because i live in Texas. I am looking to recover the funds totaling {$10000.00} for the unauthorized charges that were sent in bulk and in sequence via XXXX XXXX as this was clearly fraudulent and unauthorized.
Consumer complaint received 2024-10-07
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-07
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)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2015-10-20
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: The Best Service Co.,Inc (CA)

A woman called me and immediately asked to speak with XXXX. When I said that yes this was XXXX, she claimed to be from " The Best Service Company '' and immediately asked me to verify my identity by providing my date of birth and the last XXXX of my social. She did n't even ask what my last name was. I became suspicious, so I asked what her call was concerning. She then said that she could not discuss that with me unless I verified my identity. I then told her I feel hesitant to release that type of sensitive information over the phone to an unknown company that I did not personally call. She then said " I understand, is your date of birth **/**/**** ( She stated my full date of birth to me. XXXX '' I then told her I am not comfortable confirming any sensitive information regarding my identity until I know the reason for the call. She told me that She could not tell me until she verified my identity. I then told her we were at an impasse since I have no knowledge of any relations with " The Best Service Company, '' and I would be unable to provide her with any information. She then hung up. I called the company back and asked a representative to put me on their do not call list. They agreed without obtaining any information to actually do so, then hung up. Due to the fact my information was shared over the phone without my consent, I contacted Transunion and had a fraud alert placed on my file. While reviewing my credit statement, I saw that The Best Service Company had placed a statement on my credit report claiming that I owed them a debt of {$420.00} for an account with a local credit union, whom I have never had a line of credit with. I filled a dispute against the statement on my file. I am appalled that my personal information was disclosed over the phone, allowing for a simple " yes, or no '' answer to suffice as an adequate verification of identity. I am additionally aggrieved by the fact that my information was so easily provided to an unverified caller, who may not have had previous knowledge of the information shared. My privacy has been infringed, and my personal credit has been falsely affected in a negative light.
Consumer complaint received 2024-10-07
Product: Credit reporting 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. (TX)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2015-08-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Galaxy Capital Acquisitions, LLC (CA)

I was applying for civil service job I found a judgement on my credit report going back from XXXX from XXXX XXXX XXXX. There is outstanding balance of XXXX. Never was I contacted about the debt. According to XXXX I was served by private processor from a debt I opened XXXX. That is impossible because my first credit card I had was XXXX. 

I contacted XXXX about the debt, I asked for official validation. All the where able to give me was a copy of judgement. 
I requested statements sent by XXXX or the original creditor. They could not provide the information. 

I asked for the name of the person who served the summons. 
Full name of the person who signed for the summon. 
A copy of the delivery notice showing the signature date and time. 
I asked several times and they refuse to send any information. 

I asked for a copy of affidavit that processor had brought, no one in my family received a summons in my name. Never did they attempt to contact me about this. Now there is unbelievable amount of money that is owe. 

I can afford the amount that they are charging me. It was unethical how they went to collect money. I was never served properly and this is hindering me from getting a position in public safety.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 
Its been that advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 



XXXX XXXX - **** - XXXX ( b ) Disputed debts - Validation of debts - This Account is Inaccurate and I'm seeking litigation please delete at once XXXX **** - XXXX - Validation of debts - This Account is inaccurate and Im seeking litigation please delete at once. 

XXXX - **** - XXXX - Validation of debts - This Account is inaccurate and Im seeking litigation please delete at once. 

XXXX XXXX - XXXX - Validation of debts - This Account is inaccurate and Im seeking litigation please delete at once.
Consumer complaint received 2024-10-07
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)

I disputed information on my credit report. I asked for source of information, and the source given to me does not provide information to credit services. I disputed information with XXXX and they responded in writing saying that the information is unverifiable. I then disputed information on Equifax and XXXX. They said that they verified information via XXXX and the court. I have sent Equifax a screen shot of response from XXXX and email from the court, but they refuse to remove item from my account. Furthermore, I have never given consent ( as required by law ) for this information to be included on my credit report.
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

I have been asking XXXX and Transunion since XXXX 2015 to provide me the documentation they have on file for the items they are reporting on me. So far the credit bureaus have deleted some items and other items they say they verified are mine BUT sent me no proper documentation in fact they sent me nothing at all showing me how they proved the item was reporting correctly asnd was mine, nothing at all. I have sent all 3 credit bureaus over 5 letters asking them to show me and nothing. They are severly hurting my ability to get a house for my family. UIf they cant prove the items according and under the FCRA laws they need to remove the items. I am getting tired of the getting the run around and letters back from them with nothing. In fact TransUnion put a freeze on my account which I never asked them to do and when I contested it they sent me a form asking for several pieces of identification that I am NOT going to provide I want them items removed and the freeze removed. I also want to know how I can go after the credit reporting agency legally in court, can you help me please. It should n't take 6 months to get some action. 

Thanks-
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit report by XXXX XXXX XXXX  The information reported by this creditor is inaccurate, and I am requesting that the account be removed from my credit report. 

XXXXXXXX XXXX XXXX is reporting different balances to all three credit bureaus. I have dispute of the account multiple times to ensure the account balance is accurate information keeps getting denied and verified as accurate. 

I have attached copies of my credit report with the incorrect entries highlighted, as well as any relevant supporting documentation. These documents should clearly demonstrate the discrepancies and support my request for correction. Additionally, I have previously contacted XXXX XXXX XXXX  directly regarding this matter, but the issue has not been resolved. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that thisaccount is removed from my credit report entirely. The continued presence of this incorrect information is unfairly damaging my credit score and affecting my ability to secure future financial opportunities. 

Please let me know if you require any additional information or documentation from my side to assist in the resolution of this issue. 

Thank you for your time and attention to this matter. I look forward to your prompt assistance.
Consumer complaint received 2024-10-07
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. (MD)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. I called each collection agency and asked for a purchase agreement they weren't able to provide.These remarks have been Detrimental to my life and credit health.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

A few years back I discovered a tax lien being reported on my credit reports from the XXXX ( XXXX ) resulting from an Employment Insurance charge for {$27.00}, unpaid, for mu business. They also added a {$100.00} penalty for passing the payment deadline totaling {$120.00}. I turned this over to my accounting firm and they contacted the XXXX and found that the error was on their part for entering data into their database incorrectly. I received a confirmation letter of all of this from the XXXX and forwarded the documentation to all ( XXXX ) credit agencies. Immediately, XXXX and XXXX removed the item entirely from my credit report and there is no reference of it at all. TranUnion has been unwilling to do so. They continue to show the lien as " paid '' and will not remove it from my credit report even though there has been several attempts to persuade them to do so. The lien was never paid and no money changed hands due to the error on the XXXX 's behalf. 
The reason I keep pushing this issue is all of my XXXX credits report show not a single blemish. But, since TranUnion continues to reference this tax lien my FICO score with them is always far lower than XXXX and XXXX. I would like your assistance to insist that the lien be removed entirely from my report. 
Thank you
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

The XXXX XXXX decided that MOHELA is the same thing as the state of XXXX which means that the extremist right-wing Attorney General of XXXX  can XXXX lawsuits to stop any and all student debt cancellation in order to protect MOHELAs ability to profit off of the student debt crisis. 

After the XXXX XXXX  decided that MOHELA is the same thing as the state of XXXX MOHELA is claiming they have immunity to violate the law. They can literally rob your bank account and there is nothing you or anyone else can do to stop them, because MOHELA is above the law ( according to them ).