davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-08-26
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 re-submitting another CFPB complaint as follow up and an assurance that the XXXX, EQUIFAX and XXXX Credit Bureaus will carry out my request to them to investigate and help me remove these fraudulent items that I listed in my previous complaint and today. And I am humbly requesting the CFPB for participating in assisting me in fixing the problem occurring in my credit file. Here are some items that I believe were opened from an alleged identity theft, that needed immediate attention and if possible prompt removal : 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 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 2023-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DE)

PayPal facilitated fraudulent website ( ascis ) to use their services for transaction and when raised a complaint with my bank ( XXXX XXXX XXXX XXXX ) and PayPal immediately after being aware of issue, they acknowledged that transaction would not be posted from pending status and will be withheld, only to know after 2 weeks that transaction has been posted. 

I also contacted ascis merchant about their clone website which hosts PayPal as only medium of XXXX so as to create a layer of masking. 

The transaction is posted as PayPal * XXXX instead of XXXX XXXX. Attachments enclosed. 

XXXX XXXX acknowledged the issue and PayPal refused to address the issue.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

I want to file this please as my formal complaint to WELLS FARGO for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a National credit system Account # XXXX Date opened XX/XX/XXXX Bal. {$4100.00}, XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Date opened XX/XX/XXXX Bal. {$2700.00}, XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$940.00} XXXX XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$930.00}, XXXX & XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$350.00} XXXX XXXX XXXX XXXX, XXXX Account # XXXX Date opened XX/XX/XXXX XXXX {$310.00}, XXXX XXXX XXXXXXXX Account # XXXX Date Opened XX/XX/XXXX Bal. {$270.00}, XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Bal. {$140.00}, key bank na Account # XXXX Date opened XX/XX/XXXX Bal. {$48.00}, XXXX Account # XXXX Date opened XX/XX/XXXX Bal. {$0.00} Inquiries : Discover financial ser.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Request for Immediate Deletion of Unauthorized Inquiries from Consumer Report Dear Sir/Madam, I am writing to formally dispute the presence of certain unauthorized inquiries on my consumer report maintained by your agency, which violate my rights as a federal protected consumer under the provisions of 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b. I request that you take immediate action to delete these items from my consumer report in accordance with the applicable laws and regulations. As a diligent consumer, I have thoroughly reviewed my consumer report and discovered the presence of inquiries that have been reported without my written consent, thereby contravening the provisions outlined in 15 U.S. Code 1681c-2. This violation is not only a breach of my privacy rights but also undermines the fundamental protections guaranteed to consumers under the U.S. Constitution. Moreover, in accordance with the " saving to suitors '' clause as prescribed in sections 41 ( 3 ) and 371 ( 3 ) of title 28, U.S.C., I am asserting my rights to seek resolution of this matter through appropriate channels. The fraudulent reporting of these inquiries is in direct violation of the principles enshrined in the U.S. Constitution, which upholds the sanctity of individual rights and protections. I kindly request that you promptly investigate this matter and initiate the necessary steps to delete these unauthorized inquiries from my consumer report. It is crucial that your agency takes immediate action to rectify this error, as the presence of these inquiries is not only inaccurate but also has the potential to impact my creditworthiness and financial well-being. Please find my information below for reference : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Email Address : XXXX I expect your full cooperation in resolving this matter expeditiously, within the prescribed timeframes as defined by the Fair Credit Reporting Act ( FCRA ). Failure to comply with these legal obligations may leave me with no choice but to pursue further action to protect my rights as a consumer. I would appreciate a written confirmation acknowledging receipt of this dispute letter and providing an outline of the actions you intend to take to address this matter. Furthermore, I request that you provide me with a copy of my updated consumer report once the unauthorized inquiries have been removed. Thank you for your attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism, adhering to the legal guidelines and your responsibilities as a consumer reporting agency. Capitol One provided misleading promotional articles Yours faithfully,
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I was shocked to find incorrect accounts on my credit report this morning with no clue as to why. I regularly monitor my report, and this time, there were unexplained discrepancies that werent there before. I tried refreshing my browser, hoping it was just a temporary glitch, but the inaccurate accounts remained. Given this issue, Im requesting a thorough review of the documents Ive sent so I can finally feel confident about my credit report again.
Consumer complaint received 2024-10-28
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: EQUIFAX, INC. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Dear TransUnion, According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report except for : Name : Address : XXXX  XXXX : Date of Birth : XXXX : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 
Best Regards, XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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. (VA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit
Consumer complaint received 2024-10-31
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. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX XXXX  Account # : XXXX XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

I have tried to make payments towards my student loan through my servicer, Nelnet. The company is refusing to accept my payments and is continually charging interest to my account. On XX/XX/23 I attempted to make a payment for {$100.00} and they claim to have accepted the payment but they have not withdrawn the money from my bank account. I also tried to make a payment of {$230.00} on XX/XX/23 which they denied, and have since deleted from my transaction history. I am trying to make payments during school to offset the interest I am accruing but Nelnet is refusing.
Consumer complaint received 2024-10-31
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. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-30
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: EQUIFAX, INC. (MI)

XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax Subject : Demand for Removal of Fraudulent Credit Inquiry Within 30 Days Dear XXXX  XXXX and Credit Bureau Representatives, I am formally requesting the immediate removal of a fraudulent inquiry from my credit report, which resulted from an incident of identity theft. As the documented victim of this crime, evidenced by my Federal Trade Commission ( FTC ) identity theft report ( Report Number : XXXX ), I am exercising my rights to ensure the protection of my financial identity and credit integrity.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : DP OF EDUC XXXX Balance Owed : {$4300.00}
Consumer complaint received 2023-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (MD)

To whom it may concern, I am a good- standing customer of XXXX who has been trying to return an item to Gerd detect that was purchased by mistake for more than three months. The seller has been totally uncooperative with my numerous attempts to acquire a return label. The item is expensive and because I am XXXX in XXXX  years of age I do not have the resources to pay {$10000.00} with the interest For an item that was purchased by mistake. My attempts to return. The item were met with an organized intervention meant to stall and prevent the return process. Rather than allowing me to return the item, the seller has stalled, lied, and deleted my attempts to return the item within the return deadlines. The seller had posted an out of service screen on the XXXX site for more than three months, preventing any attempt to return the item. I tried to cancel the order a few days after I ordered it but because the item has shipped I couldnt cancel the order so ever since late XX/XX/ I have been trying to return the item. XXXX has been basically unresponsive, and the seller has been totally Unresponsive. they have deleted all my attempts to return the item within the return deadline, but failed because the history of all my attempts are recorded in my phones, my XXXX XXXX and my computers history. They also promised if I removed a negative review that I posted on XXXX, they would allow me to return the item and get my refund. They have also failed to do that. I have almost all of my facts screenshot on my phone and had them printed at XXXX. My account has been hacked and my timely attempts to return. The item are gone from my account but I have them screenshot it on my phone. They have engaged in very deceptive practices, just to keep me from returning an item. I am not very computer literate but I am trying my best to show how deceptive these people can be. Also, the lender Affirm is threatening to turn my file to Credit agency to damage my credit, which is excellent. Whatever you can do to help me will be greatly appreciated. Thank you and God bless.
Consumer complaint received 2023-11-16
Product: Credit 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: Atlanticus Services Corporation (OK)

In XX/XX/XXXX I recieved an email informing me of pending purchases made on this credit card. KNowing for a fact i had not used this card in more than a month iim medially called to inform Imagine of what had happened. They sent me via email the form to fill out and told me if i got it back to them in a timely manner they would issue a provisional credit. I had it to them via fax in under XXXX hours and never saw a provisional credit and when i asked anyone about it they would change the subject. I then recieve notice that the dispute has be denied because their records indicate I accessed my account via my online login and I was provided wit hthe balance and transaction information during the time frame that I stated fraudulent charges were being made. First of all, I have never used the online method to view my account, I have the mobile app on my phone i use, XXXX this company takes days sometimes up to XXXX for the recent transaction history to appear on the app. The amount of credit available will be deducted according to the purchases. When I spoke to them on XX/XX/XXXX i asked the rep were the logins right before or after the charges were made and she said no it was a few days before i called in then put me on hold and said shes not sure. ( i have recorded every call with them ) I dont find that this excuse is in any way a viable reason to conclude this dispute. This is bad faith, they did a quick slppy investigation and I did not make these charges nor will i pay for them. They wont share any documents with me, heck, they didnt even call to say the second dispute had ended. very unethical and poor service. I have filed with identity theft.gov, now CFPB, im going tomorrow to my states attorney generals office, and to speak to a private lawyer for advise.I know if this was propery investigated the outcome would be that I didnt make the charges. Please help
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally request the immediate blocking and deletion of the accounts listed below on my credit report. Due to a recent data breach compromising my personal information, these accounts have been fraudulently opened or maintained in my name. I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) and request the following items be permanently removed from my credit report. 
Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX