davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TN)

In XX/XX/XXXX I had make a payment on Wells Fargo credit card for some reason the bank failed to process the payment timely as soon as I learned this I contacted bank to sort out why. It was determents that the bank make an error. Then they adjusted late fee and showed account current. Then in XXXX I had to change my payment method. ( bank account # with customer service dept ). I had automatic payments Set up on that account. In about XX/XX/XXXX I saw unusual activity on the Wells Fargo App. I contacted. Customer service again to sort out what was going on... I was told that the account was current and in good standing.. I learned that wells Fargo had been using the OLD account number and my bank had manually put payments through. But they were late because of that delay. It turns out the customer service department did not update the payment information with the automated system. That is why they were using old information. I was then transferred to the correct department to re update the payment information. None of these errors were my fault or was I even advised of status timely for me to correct. Then in XXXX time WF reduced my credit line due to what they called late payments. None of which were my fault or under my control. I have been talking to customer service. the " executive office '' numerous times to get my credit line corrected back to before they arboreally reduced it. I get the run around where one person says my account is in " excellent '' status with NO late payments and the next person says " there is a problem, but they have NO idea what it is and passes the buck to a different person. The executive rep who was supposed to be handling my complaint will NOT return my calls or follow up in any way.. I simply want my account to be restored and ANY negative credit bureau reports corrected.
Consumer complaint received 2024-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/year> an unauthorized transaction for US {$2500.00} using XXXX. I immediately called wellsfargo and reported the fraud, closed the account and followed all the procedures but they still denied the claim.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

My Fair Credit Reporting Act Consumer Rights have been violated. I did NOT give any consumer reporting agencies WRITTEN permission to furnish anything on my consumer credit reports nonetheless, INCORRECT information. Each consumer reporting agency has assumed the GRAVE responsibility for furnishing correct information once given written instructions.
Consumer complaint received 2017-09-07
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: EQUIFAX, INC. (AZ)

Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XX/XX/XXXX was {$170.00}. I received an email on XX/XX/XXXX advising that my payment will increase to {$420.00} on XX/XX/XXXX if I do not reapply by XX/XX/XXXX. I submitted a new application with new financial information ( pay stubs ) on XX/XX/XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XX/XX/XXXX but on XX/XX/XXXX I received an email stating my payment still had increased to {$420.00}. I called into XXXX  because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XX/XX/XXXX. But because of the forbearance my credit score dropped 48-58 points between XX/XX/XXXX and Equifax on XX/XX/XXXX. I called a XXXX representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that XXXX made.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (TX)

i was charged an excessive amount of fees on my account and im not sure why i was charged these fees my account seem to be comprimised and i sent a message over to a online rep and was told that they were going to reverse the fees but im not opted into any overdraft courtesy
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I am writing this complaint with the help of the Consumer Financial Protection Bureau ( CFPB ) to dispute some fraudulent items I discovered on my Credit Report. After reviewing my records, I came across several accounts and information that I don't recognize and believe are not mine. While I'm not sure if this amounts to identity theft, I think it's important to address these discrepancies promptly to ensure the accuracy and honesty of my credit profile. I kindly request the assistance of the Credit Bureaus in investigating and removing the following unauthorized accounts and information from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to assure the Credit Bureaus that I didn't open these accounts or give anyone permission to do so on my behalf. As far as I understand, according to section 605b of the Fair Credit Reporting Act ( FCRA ), it is the legal responsibility of the Credit Bureaus to promptly remove any unauthorized and unfamiliar accounts and information from my credit file.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-08-19
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. (MA)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-08
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (CA)

I can not access my Amex online acct on this dispute as they had problems opening it. 
I have New Info and I previously sent you photos.

I attended my new dentist yesterday who XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. You now have photos and a new Report from XXXX XXXX. 
There are no XXXX XXXX XXXX XXXX XXXX XXXX. 
You also have a witness statement to the fact that XXXX XXXX up was made. 
You also have XXXX XXXX full report You also have Yearly membership that is on my bill. That shows ive been double billed for XXXX and evaluation as its included in yearly membership You also have letter from XXXX finally after 7 months admitting the NO XXXXXXXX XXXX  was done. 
However I was not refunded off of the {$16000.00} bill they sent me. 
Amex gave me a credit based on XXXX XXXX Report snd it should still stand. 
XXXX had no new information so there was no reason to re bill me.
Consumer complaint received 2024-08-10
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. (GA)

I contacted XXXX XXXX and told them I was a victim of identity theft they disregarded this. I submitted police report which was filed way before this loan was opened they still disregarded I sent them ftc report they still disregarded. I even offered to pay XXXX to remove this from my report they still refused. This company needs to be held accountable for disregarding the FCRA and consumer protection laws
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

The letters are stated with items and issues.

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 2023-06-07
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: Experian Information Solutions Inc. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

In accordance with Fair Credit Reporting Act Everything has to be 100 % accurate in my credit report The credit bureaus stated that my account was properly investigated but how is this possible when there are unauthorized hard inquiries, data sets related to inputting of accounts were not metro 2 compliant, data listed is mismatched compared to other credits and my request for account verification was dismissed. This is grounds for removal and they also violated my rights under : 15 U.S.C 1681 section 602 ( a ) requires accuracy and fairness of credit reporting. 15 U.S.C 1681b section 604 ( a ) ( 2 ) permissible purposes of consumer report - In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681g section 609 ( a ) ( 1 ) Disclosures to consumers - Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : All information in the consumers file at the time of the request. The credit bureaus also took more than 30 days to complete my investigation
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (KY)

I lost the credit card in XXXX and has filed the police report. I notify Chase unauthorised charges on my account. Chase initially took off the charges. ; however, they bill the charges back on my account. They also shut down all my credit card, I do not why Chase would take averse action against their loyal card member. I have been with Chase for 4 years.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have patiently waiting on their response to the written requests I sent. However, how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here are the list of items which are UKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

I am writing to formally dispute the information reported by your company to the credit reporting agencies regarding an alleged late payment on my account, referenced under Account Number [ Your Account Number ]. Specifically, I dispute the claim that a payment was made late on [ Date of Alleged Late Payment ]. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court held that creditors must maintain accurate records and provide sufficient evidence when reporting information to credit agencies, particularly in cases of disputed information. In light of this precedent, I request that you provide me with the following : Copies of all internal records and documents that demonstrate the payment in question was, in fact, received late.

Detailed payment history of my account, including the dates and times when payments were posted to my account.

Evidence of notification sent to me regarding the alleged late payment.

Please provide this information within the timeframe prescribed by law. If your investigation concludes that the payment was not late or if you are unable to provide sufficient evidence, I request that you immediately correct the inaccurate information on my credit report and notify all credit reporting agencies to which you have reported this information.

Failure to comply with this request may result in further action, as inaccurate reporting can have significant consequences on my creditworthiness and overall financial standing.

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this dispute. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Im resubmitting 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 blocking the erroneous information which 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, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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.