davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

This company has been furnishing deceptive and incorrect address, that are being advertised. On XX/XX/2022 I sent a letter to the company, and it was sent back to me saying the address was incorrect when they clearly advertise this address on their website and XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX have been reporting on my credit report inaccurate information without my written consent. I have sent numerous of dispute letters for XXXX to remove this off my credit report and they failed to do so. The original amount balance went from {$9700.00} to {$26000.00}. Here are all the dates trying to resolve this matter : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-10-01
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Subject : Formal Dispute of Account XXXX XXXX XXXX ( Account No. XXXX ) I am writing to dispute the inaccurate information regarding the above-referenced account that is being reported on my credit file. The details associated with this account are completely unacceptable and must be corrected without delay. 

Below are the details of the account in dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Secured Card Date Opened : XX/XX/XXXX Status : Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/XXXX Balance : {$120.00} Balance Updated : XX/XX/XXXX Credit Limit : {$120.00} Highest Balance : {$200.00} Status Updated : XX/XX/XXXX On Record Until : XX/XX/XXXX The status of " Account charged off '' and the listed balance of {$120.00} past due are inaccurate and unacceptable. I have fulfilled my obligations, and I demand that this account be immediately corrected to reflect a XXXX balance and updated to indicate that the account has been settled. The continued reporting of inaccurate information is damaging my credit.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TX)

Chime closed my account back on XXXX since then its been a huge hassle getting them to refund the fund back into my account. They refuse to transfer me to the correct department that can help, they refuse to send me any type of documentation on why it was closed other than a vague response and they are so rude on the phone. I wish reps would put themselves in my position. Having so much money held up without being able to pay bills has been so hard. Please help me.
Consumer complaint received 2022-02-17
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. (NY)

Im mystified all this time. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint 2nd time already. You claim Im not the one submitting it. This to me is unbelievable. So Im submitting it again hopefully this is for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that established this legal issue but they have disregarded these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked or removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-02-17
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2023-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2023, I received a call from my bank which is Wells Fargo of fraud on my account. A fraudster has did a cash advance from my credit card in the amount of {$10000.00} and transferred it to my checking account and did a digit wallet tap at XXXX locations XXXX hour and a half to XXXX hours away from me. My card were not lost or stolen and I have NEVER gave my information out to anyone. I work alone and have no idea who could have stolen and did this. I have been working with Wells Fargo and today XX/XX/2023 I called for an update on my claims to get money put back on my credit card and checking out ( which someone closed it and it was not me and should not have been done ). I was advised that my claim was denied because the bank said I did the cash advance and putting it into my account which I did not do the transaction so they closed it. After the XXXX Wells Fargo representative I spoke to today, I was advised that the claim was denied as if I processed the cash advance. No further investigation is being done so the last representative reopened the claims, asked questions, and said due to the department he is not able to provide me with a claim # but have previous claim numbers. Today, I filed a police report online with my local police department, and I found all addresses where transactions where done so I will be traveling to those locations to ask questions. I have spoken to a XXXX at XXXX of the locations today and he advised he would allow for me to review footage from the day of the transactions which was XX/XX/XXXX. I will be traveling to the location tomorrow, XX/XX/XXXX as soon as I land in XXXX, XXXX No time stamps are available, as of now, which I got addresses from my Wells Fargo bank XXXX which the bank could have also advised me of the correct steps but they did not along with advising me to do a police report and/or they will review these locations. They only provided claim numbers and said that it would be taken care of. I also had my own funds and verified my last transactions on the account before fraud occurred and still has not been resolved, therefore I am doing my own investigation because someone got my information somehow and has acted as if they were me and stole this money. Also, when I called the bank today XX/XX/2023 they said they can not find where the funds went to and no longer have access to the account due to being closed. Wells Fargo has not helped besides noting my account, having account closed, and processing a claim. I have probably talked to over XXXX individuals from Wells Fargo from the various XXXX departments and nothing has been taken care of at this point. I am very unhappy with the customer service, no sense of urgency and lack of investigating on this situation as I have been a customer for years and they can verify I have never did a cash advance ever and also I had a XXXX balance on my Wells Fargo credit card account since XX/XX/2023.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$440.00}, XXXX XXXX  XXXX  XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-27
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was directed by the perpetrator to make Gift Card purchases on XXXX XXXX to max out my credit limit so intruders would not be able to use my cc for illegal website purchases. To then give the perpetrator gift card info to cancel duplicate charges. 
XXXX {$10000.00} XXXX XXXX BOA XXXX XXXX  {$5000.00} XXXX XXXX BOA XXXX
Consumer complaint received 2024-09-27
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: Experian Information Solutions Inc. (FL)

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. 
Your immediate attention to this matter is appreciated. 
Sincerely, ENCLOSED ARE THE FOLLOWING TWO DOCUMENTS THAT VERIFY MY IDENTITY Social Security Card Inquiry made by : XXXX OF XXXX, XXXX XXXX NA, XXXX XXXX, XXXX BANK XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX CARD
Consumer complaint received 2024-09-27
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. (LA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX- Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-09-27
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. (WA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-27
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. (OH)

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX {$460.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXX XXXX  {$9400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$8400.00} Date Opened XX/XX/XXXX Ally FINCL {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$38.00} XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-27
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. (OH)

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX {$460.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX  {$9400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXX XXXX  XXXX  {$1200.00} Date Opened XX/XX/XXXX XXXX XXXX {$38.00} XXXX XXXX, XXXXXXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-27
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. (OH)

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX  Date Opened XX/XX/XXXX {$460.00} XXXXXXXXXXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX {$9400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX  {$38.00} XXXX XXXX, XXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-09-27
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. (NC)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-27
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)

There are inaccurate inquiries on my XXXX credit report that do not belong there : 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