davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

The companies, along with the credit reporting agencies, are knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a XXXX  XXXX member of this company put this information on a signed and notarized affidavit under penalty of perjury. 

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so.

Thank you for your help in protecting my federally protected consumer rights.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

After reviewing my credit report I discovered that several items that is being reported to my consumer report are inaccurate, I never gave permission to run my consumer report nor did I sign any SSA-89 Form releasing information giving permission for anyone to utilize my Consumer Social. I have went over each item and can validate that there is no error on my end and my consumer right has been violated according to 15 USC 1681B, I am asking to remove each unauthorized item from my consumer report within 4 business days or I will be force to take legal action. I have attached proof of my identity therefore you will know that this is myself the natural person requesting this information be deleted completely.
Consumer complaint received 2024-01-23
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: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-23
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (AZ)

In early XX/XX/2024, I was attempting to book a flight on XXXX XXXX. There was a pop-up from Chase Bank offering {$300.00} credit that could be used on the purchase of the ticket. I applied and got approved only to find that United couldn't use the card because they need the CVC code on the card which should arrive in 5-7 business days!

I finally got the card, found out that my original United flight reservation confirmation code no longer existed. The fare has since doubled. I called Chase and asked about the {$300.00} credit. Was told it would now appear on my credit card statement after I booked the flight. 
What happened to the " instant savings ''? I consider this false advertising boarding on fraud. I am hoping you can investigate these actions and there was NO WHERE that stated the {$300.00} credit could not be used until the card was received in the mail. 

HELP and thank you for helping. 

XXXX XXXX
Consumer complaint received 2024-01-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo credited me {$3000.00} back on XXXX  for services that I didn't receive for a medical procedure. 
On XXXX  Wells Fargo reversed the credit of {$3000.00} which left the account negative {$2800.00} I spoke to the claims department on XX/XX/XXXX concerning the account being negative and refiled the claim because they had more questions. 
On XXXX  my payroll deposit of {$2400.00} covered the fees of the reverse credit that was caused by Wells Fargo and the account was left with a negative {$440.00} Due to the refiled claim Wells Fargo credited my account {$3000.00} on XXXX  I wasn't fully compensated because I only received a total of {$2500.00} I've spoken with a banker several times to resolve my issue and haven't received any results to my issue. 
I wasn't fully credited the {$3000.00} that the doctor 's office stole from me and I didn't get compensated for the payroll deposit that Wells Fargo stole from me {$2400.00}. 
Wells Fargo took my money and paid me back with my money but not all of it. 
Wells Fargo owes me {$2800.00}. XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

I am writing to dispute the validity of the collection account associated with [ Account Number ] on my credit report. I recently obtained a copy of my credit report and noticed the presence of this account, which I believe has inaccuracies. 

Upon reviewing the details of the account, I have identified discrepancies in the information provided. I request that you investigate and verify the accuracy of the following points : 1. XXXXValidation of Debt XXXX XXXX Please provide detailed documentation verifying the legitimacy of the debt, including the original creditor 's name, the original account number, and the complete chain of ownership.

2. XXXXStatute of Limitations XXXX XXXX Verify and confirm whether the debt falls within the statute of limitations for collections in [ State ]. If the statute of limitations has expired, the debt should no longer be legally collectible. 

3. XXXXReporting Dates XXXX XXXX Ensure that the reporting dates on my credit report align accurately with the actual timeline of this debt. Any inaccuracies in reporting

dates may be grounds for removal. I am exercising my rights u
nder the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to dispute this information. I kindly request that you provide a written response within 30 days of receiving this letter.

If you can not validate the debt or if any inaccuracies are found, I request the immediate removal of this collection account from my credit report. Additionally, please provide written confirmation of the resolution and any actions taken.

Thank you for your prompt attention to this matter. I look forward to a timely and positive resolution
Consumer complaint received 2024-01-23
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. (MD)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2022-12-07
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-23
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. (FL)

In accordance with the Fair Reporting act XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-23
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

All bills are paid except for XXXX  in XXXX yet massive deduction to my score were reported in Experian lowering my credit score by XXXX points in about 30 days. 
On XX/XX/XXXX, XXXX down On XX/XX/XXXX, XXXX down On XX/XX/XXXX, XXXX down On XX/XX/XXXX, XXXX down On XX/XX/XXXX, XXXX down No rationale, No event recorded or given, No company name given, No reason just taking points off my credit score arbitrarily or on a whim. Called experian 3 times, told me they can't do anything about it or explain. Poor maintenance of records, punitive and doing a maneuver trying " to sell '' be their credit boos to help this situation. Corrupt and inaccurate.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (FL)

BMO/XXXX  Fraud Unit Is Non-Existent XXXX | XX/XX/2023 I opened an account at BMO/XXXX  just prior to XX/XX/XXXX. I originally funded the account with {$25.00} through an ACH deposit from one of my other banks. That deposit was followed by a XXXX XXXXXXXX deposit which sat in my account for a while or until at least it cleared, which it did. I was looking at my account and discovered that XXXX of my creditors attempted to set themselves up as XXXX Accounts which I did not authorize. Before this discovery, I attempted to make XXXX ACH Transfer to XXXX different accounts. Which after 5 days they did not go through, so I called XXXX bank to discuss this transfer and the attempted external accounts. The Rep put in a complaint for me, or so I thought. Based on the attempted fraudulent additions, I ask that the XXXX ACH Transfer be canceled until this is resolved. This was on XX/XX/2023. My account was immediately locked up, preventing me access to my account or my money. I did get through to the main number and was told that the Fraud Unit was investigating and would contact me in 3-5 business days, It is now the XXXX of XXXX and I have yet to hear from this so-called Fraud Unit. Both me and my attorney have made several attempts to contact this Fraud Unit and if we do happen to get someone to answer on the main number, they transfer us to a non-monitored line, and we sit on hold for a long time and in some cases over two hours and gave up. I want access to my account and my money as I now wish to close out this account. I know I am not alone with this problem as I have read other complaints. The question is, where do I go from here? They are holding over {$30000.00} hostage and I really need my funds. How are they allowed to get away with this? Time for the Feds to investigate this bank and seeing they are actually a XXXX Bank, prevent them from doing business in the USA. 

If you follow this link, you will find Numerous Complaints against BMO/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX They have my account locked up and are holding over {$30000.00} of my money and are hiding the fact that their Fraud Unit is nonexistent. I honestly believe that their intent is hoping I will just go away and allow them to defraud me out of my money. Please investigate and help me resolve this injustice. I think you will find the additional complaint with XXXX quite interesting if you are not already aware of this site. 
Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-01-23
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. (FL)

In accordance with the Fair Reporting act XXXX  # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX. **Details of the Disputed Information : ** - Account ( XXXX ) in question : On XX/XX/XXXX I notified this agency that I was a victim of identity theft via certified mail and as of today XX/XX/XXXX this agency continues to report information that resulted from the identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX, as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer char the consumer identifies as information chat resulted from identity theft, not later than 4 business days after the date of receipt by such agency of 1. Appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c-2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.
Consumer complaint received 2024-01-23
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)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-01-23
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. (FL)

In accordance with the Fair Reporting act XXXX # XXXX, has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-23
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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

I unknowingly purchased counterfeit merchandise from XXXX  and upon notification of such merchandise being deemed counterfeit I opened a dispute with the bank only to be told they would not be disputing this and giving me the run around I have provided three documents showing to be a second opinion as in the visa rules & guideline no where does visa state I nor Wells Fargo do the ridiculous things Wells Fargo is claiming Im afraid they are giving me the run around so I will run out of time under visa dispute XXXX XXXX counterfeit  merchandise. I can be reached at XXXX
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (UT)

Met terms of agreement and should have been removed from bureaus, yet it's still there and inconsistent info from one bureau to the other. 
Completed XX/XX/XXXX Late Payments Error This account is incorrectly reporting that I have 7 late payments. On my XXXX report there are 5 late payments being reported. XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX XXXX Balance Closed in XX/XX/XXXX why is this active? Reporting XXXX XXXX XXXX Status Current Showing 120 days late as well as current Acct showing current but also a discrepancy of a XXXX balance yet also showing 120 days delinquent. Both XXXX and XXXX show 7 lates while XXXX shows five. Closed account in XXXX should not be actively reporting Sent XX/XX/XXXX I Previously Disputed This I have new accounts established since my XXXX which are and all have been in good standing and looking to scale my business ' however this account is obstructing my ability to obtain the business credit required to continue to build my business and wondering IF I can call on you to delete this from my record. I previously disputed this account stating : " This account is incorrectly reporting that I have 7 late payments. On my XXXX report there are 5 late payments being reported. XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX XXXX Balance Closed in XX/XX/XXXX why is this active? Reporting XXXX XXXX XXXX Status Current Showing 120 days late as well as current Acct showing current but also a discrepancy of a XXXX balance yet also showing 120 days delinquent. Both XXXX and XXXX show 7 lates while XXXX shows five. Closed account in XXXX should not be actively reporting ''. 
I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.