davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-09
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (PA)

I was at a pnc ATM at a XXXX gas station I used my XXXX XXXX card to withdraw {$220.00} it said it couldn't do the transaction an then gave me my card back an then {$220.00} was all the sudden taken out of my account for the transaction but never dispensed any cash I went to the manager they said they don't deal with it to call the ATM place. I called PNC. They told me to go down to the nearest branch. I did that and they wouldn't give me any help or money. They told me I had to refute the transaction with XXXX XXXX so I did that and they said it could take 10 days if they'll even do it when PNC is the owner of the ATM and it didn't give me any money but took the {$220.00}
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-08-18
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. (WI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXXXXXXBALANCE XXXX XXXXXXXXDate Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXBALANCE {$580.00} -Date Opened XX/XX/XXXX XXXX  # XXXX Date Opened XX/XX/XXXX -BALANCE {$110.00}
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

While travelling to XXXX XXXX, XXXX from XX/XX/2023 - XX/XX/2023, I noticed the morning of XX/XX/2023 that my debit and credit cards were used fraudulently to purchase the following : {$3000.00} for construction materials, {$2300.00} for groceries, {$1600.00} at a candy store, {$1300.00} at a grocery store in XXXX XXXX and another {$1100.00} to a grocery store in XXXX XXXX. I immediately called the bank reporting the transaction and they cancelled my cards, issued new ones, and let me know Id hear back from them in XXXX business days. 

This week, XXXX, XXXX, XXXX, I received a response from my bank, Wells Fargo, that the claim was denied for my two credit cards. I called the bank on Wednesday ( XX/XX/2023 ) morning asking them to turn over the documentation used as part of the investigation. They mentioned they didn't have any but made their decision based on the fact that I had the cards with me the next morning that I realized the charges had occurred. However, the bank said they would re-open the case and review my transaction history and reach out to the merchant and let me know their decision in XXXX business days. The charges to these XXXX cards were the following : {$3000.00} for construction materials, {$2300.00} for groceries, and {$1600.00} at a candy store. 
This morning, XX/XX/2023, I reached out to Wells Fargo after realizing the claim on my debit card had been denied as well. They mentioned that because the card was not cloned, they determined that no fraud had occurred. The charges on my debit card were the following : {$1300.00} at a grocery store in XXXX XXXX and another {$1100.00} to a grocery store in XXXX XXXX. 

While in XXXX XXXX, I attempted to file a police report, however the police were unwilling to create a report due to 1 ) I not being able to pinpoint exactly where the charges came from and 2 ) because I didnt have the proper XXXX documentation, such tax id, XXXX voting card, etc. In addition, I attempted to file a police report at my local police station in XXXX XXXX, CA but I was unable to due to the crime occurring outside of the country. However, I have filed a report with the U.S. Embassy and Consulates in XXXX and are waiting to hear back.
Consumer complaint received 2023-07-21
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)

I have 2 XXXX  XXXX  credit cards I paid off that were in collections and Equifax still shows its under derogatory status even though the other credit Bureau states paid Account number XXXX is XXXX Account number XXXX is XXXX
Consumer complaint received 2023-07-21
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 (NJ)

XXXX XXXX refunded me in full for my stay on XXXX  - XX/XX/ for {$380.00} on XXXXXXXXz There has been no information as to why I was charged again on XXXX. Ive spoken to several employees as well as sending an email to the manager asking for clarification. No one had gotten back to me. 

I opened a dispute with Wells Fargo on XX/XX/. I forwarded the email from the hotel stating I would be refunded. Wells Fargo said they will credit me the charge on XX/XX/. I reviewed my account and the charge was not credited. I called again on XXXX  the dispute rep said she saw all of the information there and would process the credit. To date the credit has not happened. I called on XX/XX/XXXX  and the dispute rep now tells me they have to close the old dispute and create a new one. 
I need this resolved and the interest rates from the fraudulent charged credited back to my account. 

Please advise on next steps.
Consumer complaint received 2024-08-18
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - Balance {$7000.00} XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1400.00} Unauthorized Inquiries 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 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-07-21
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: JPMORGAN CHASE & CO. (MD)

Accordance with the Fair Credit Reporting Act XXXX account # XXXX has violated my rights. 
15USC 1681 Section 602 states that I have the right to privacy.

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

16 U.S. Code 1681a- Definitions, rules of construction Exclusion-Except as provided in paragraph the them " consumer report '' does not include-any report containing information solely as to transactions or experience between the consumer and the person making the report.

15USC 166B : A Creditor may not treat a payment on a credit card account under an open end consumer credit card plan as late for purpose.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX Listed XXXX are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX - XXXXXXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (GA)

American Honda Finance/Acura Financial Services are in violation of the following : 15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
American Honda Finance/Acura Financial Services has continued to report late payments on the consumers credit file. Despite its notice the debt amount reflects {$0.00}. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violation of the following : 15 1692c Title 41. Communication in connection with debt collection Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency. 

Consumer never consented or gave directly or indirectly permission for XXXX XXXX XXXX XXXX or XXXX XXXX XXXX to communicate with the consumer in connection with this debt. 

15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has continued to report late payments on the consumers credit file. XXXX XXXX XXXX XXXX, despite its notice to notify the Credit Bureaus to remove the item has continued to communicate the debt with the consumer. 



XXXX is in violation of the following : 15 U.S.C. 1681I failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information ... .. [ continued ] please see attachment " Request for Deletion 3rd Attempt '' 15 1692k Title 41. Civil liability These violations have been reported to the CFPB and this notice has been provided to all parties. The CFPB, by law, is responsible for protecting consumers from unfair, deceptive, or abusive practices and to take action against companies that break the law. 

Today, XXXX XXXX, 2024. The complaint filed on XXXX XXXX, 2024, with a resolution date of XXXX XXXX, 2024 is still pending ; despite XXXX update to the credit file on XXXX XXXX, 2024. Restitution for the violations have not been received or communicated to the consumer through the CFPB or XXXX.
Consumer complaint received 2023-07-21
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. (PA)

I purchased a patio set in XXXX of 2023. I was not happy with the quality of the furniture and returned it to Wayfair via the return instructions I was given by them. The total amount paid was XXXX plus the insurance on the purchase. I spoke to " XXXX '' from Wayfair, on XX/XX/2023, who advised me I was to send it back via XXXX XXXX  and I would be reimbursed for the full amount to include the purchase plus the insurance that I paid. 

I then received a billing statement in XXXX stating that owed that money and I had already sent the entire purchase back to them and provided them with the tracking information, which is Tracking Number XXXX, delivered on XX/XX/2023 and signed for by Wayfair. I called them again and they confirmed the receipt of the merchandise that I should not have been charged, that they would fix it, and that it would show up as a {$0.00} balance on my next statement. The confirmation number I was given for that conversation was XXXX and I spoke with " XXXX ''. 

I have now received my XXXX statement stating that my balance is now overdue, and I could be reported to a credit agency. I have attempted to rectify this situation with Wayfair multiple times with multiple employees and I have been unsuccessful. I am now being charged for merchandise I sent back according to their instructions, merchandise they confirmed receiving in new condition for which I have a XXXX  XXXX XXXX number and proof of signature of receipt. I am now being threatened with credit agency reporting.
Consumer complaint received 2023-07-23
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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (OH)

Failure to validate a debt from Chase bank. Failure to fix all inaccuracies on report such as date opened and date of last payment. I have requested validation several times from this company and have not received it. The account has been updated but not verified.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (CA)

After checking my credit report, I have found that there has been a fraudulent account opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. I have filed an identity theft report with the FTC which will be attached. This account was opened without my knowledge and consent. It should be removed from my credit report!

The details of the subject account are below : APPLE CARD - GS BANK XXXX XXXX, 2021 {$2700.00}
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-07-21
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. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2023-07-21
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$610.00} ( XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX : {$530.00} ( XXXX XXXX )
Consumer complaint received 2023-07-21
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. (VA)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-07-21
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: SLM CORPORATION (TX)

To Whom It May Concern, In XXXX of 2023, I disputed the accuracy of the credit reporting being done by Sallie Mae onto my credit profile. This request was done directly to Sallie Mae vi certified mail. On XX/XX/2023, I received a notification from XXXX that the payment history has since been updated to accurately reflect the status of the account. 

Unfortunately, these updates were not provide to the other two major credit reporting bureaus and the information being reflected on my credit profile is therefore inaccurate and inconsistent across the three bureaus.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (HI)

On XX/XX/XXXX I used my " Paypal balance '' to make a payment on my Synchrony Bank card, which was immediately deducted from my account and applied to my credit card with confirmation. On XX/XX/XXXX I received an email stating that my payment had been returned as insufficient funds. I made a 2nd payment of {$200.00} on XX/XX/XXXX from my bank account, and then later the same day I got a 2nd email stating my first payment from XX/XX/XXXX was applied to my account. 

They are also charging me a higher interest rate on a " Cash advance '' from XX/XX/2023, but I have never advanced cash from this account. 

I have also paid OVER the minimum amount, consistently, every month, but they have not applied those payments to the higher interest cash advance loan and they do not give me a mechanism to specify where my payments are applied. 

They also feature " interest free purchases '' if the payments are made within a year, but how they apply those payments are inconsistent, and they do not give any information as to what balances remain with an introductory balance. 

I pay XXXX to XXXX the minimum balance every month but my amount due seems to be INCREASING every month due to how they process their payments, how they apply payments, and how they expire their introductory rates and apply interest, none of which is disclosed to me. Everytime I call I end up in an XXXX call center with someone who says " that's just how it works. ''