davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I went to use my credit card to buy something and it would not work, so I logged into my Wells Fargo app and it said card has been reported as lost or stolen. This felt super alarming and violating as I had the card in my hand and I didnt report it as lost or stolen. Did someone get my SSN? I called right away to find out more information. 

I called Wells Fargo and I waited on hold for 45 minutes to be told they dont know anything someone called to cancel it and that the account is officially closed and if I want more credit I will need to apply again. They also said I needed to go into a bank to get more information. Feeling extremely XXXX off by their lack of information, I rushed to the nearest bank for answers. 

Keep in mind, at this point Im super upset as Im in the middle of moving and just paid off most of that card to free up room to purchase furniture for my new place. I also dont know if I want to do business with Wells Fargo or open a new card with them as this feels like they are the ones that messed up and I dont trust them. I have enough on my plate with the move, and now this. Will it affect my credit? Will I even be able to get another card? 

I arrive at the bank, and I wait 10 minutes to talk to a banker who starts making calls on my behalf. After 45 minutes of being transferred to multiple different people, someone on the phone asks for me to be conferenced in. The banker and person on the phone call my cell to conference me in, and the mumbling man on the line says something about me violating the terms and conditions, that the bank shut down my account, and gives me a complaint # as well as instructions of what will happen next. So basically, Wells Fargo lied to me about my card being reported as lost or stolen. The bank ( hopefully robots? ) closed my card without my consent or knowledge for violating terms and conditions. Is using a credit card and paying it off violating terms and conditions? I dont think so. I read the terms and conditions and I couldnt find how I could have possibly violated it. Sounds like Wells Fargo messed up and cant take accountability for it. 

Jump to now, Im totally screwed for setting my space up. I will have to dig into all of my savings to furnish my home, which will make me feel very unstable. I have tried to apply for another card, outside of Wells Fargo and I have been denied ( perhaps because I got a line of credit with XXXX XXXX the day before. ) but after being denied, I will definitely not apply for another card this year as I know it looks bad for creditors. 

They barely sent me an email today ( 2 business days after the incident ) explaining they need 10 days to respond and at that they might need more time. This all feels very shady. I will be switching banks ASAP.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-14
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

I sent the following letter and have not heard anything back SW CRDT SYS XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX Dear Sir or Madam : I recently checked my credit on XXXX and found that you had entered a derogatory mark. There must be some mistake as Ive never heard of you or from you. Not one bill. Ive lived at the same address for over 30 years with the same home phone number. 
Perhaps you have the wrong person I dont know but I pay my bills. 
Please look into this and remove the erroneous mark ASAP So I sent the below to XXXX  and XXXX I recently obtained a copy of my credit report from XXXX and found a derogatory mark from SW CRDT SYS. There must be some mistake as Ive never heard of them or from them. Not one bill. Ive lived at the same address for over 30 years with the same home phone number. And I pay my bills. 
I would appreciate it if you would look into this matter and clear up this remark. 



I thought it might be from a dispute I hade from XXXX XXXX so I got my XXXX  report and they don't show anything
Consumer complaint received 2024-08-24
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. (PA)

Dispute of Fraudulent Hard Inquiries - Request for Removal under FCRA Section 605B Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.
Consumer complaint received 2024-08-23
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. (MI)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

I opened a Synchrony Jewelry Luxury card in XXXX with a promotion that if I pay in full in 12 months, they would not charge interest. I paid in full within the 12 months and received a bill in XX/XX/XXXX showing an interest charge. I called them and they said they would remove the interest. In XX/XX/XXXX I received a bill with an interest charge and late fee. I called again and they said they would take care of it. I got another bill XX/XX/XXXX and XX/XX/XXXX. Both times I called and they said they would take care of it. Finally in XX/XX/XXXX it showed a zero balance. They then reported to the credit bureaus I was 120 days late with my payment. I called Synchrony on XX/XX/XXXX and explained the situation. The representative said he could see it on my record, it was clearly a mistake and that it would be removed from my report within 30 days. I received a letter dated XX/XX/XXXX from Synchrony stating their records show they are correctly reporting the account with a number to contact them if I had any questions. After being disconnected 3 times, I finally spoke with a Supervisor who told me there is no more to be done. How can they get away with this? The account is closed but they were able to access it by the last 4 of the account XXXX and my phone number XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-17
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation (CA)

Been working with franklin credit for 2 years initially started in BK but then they dismissed it though we did receive mod and I paid but they said they did not get the appropriate court papers so for the last two years we have gone back and forth going from the initial XXXX proposed load mod to XXXX plus asking for XXXX down. They have sent us documents with different balances, delayed in contacting us. We are victims of predatory lending did not know what we signed when we bought the home under false pretense. We have asked for a fair mod. They said they would agree to XXXX down with the remaining spread over a year with the regular payment. My attorney advised us before we sign on Monday we should have our loan directed and terms reviewed and it was to have been reviewed by BK court Please advise
Consumer complaint received 2024-08-14
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. (FL)

Unfortunately, Im a victim of identity theft. I provided the Credit Bureaus an FTC Affidavit giving notice to remove these accounts and also requested a fraud alert be added to my credit report. The credit bureaus have refused to remove these fraudulent accounts. I have no knowledge of these accounts and requested the Credit bureaus provide me with information regarding their decision. They are violating my consumer rights by refusing to provide me with the requested proof they used to make their erroneous decision. I have no knowledge of the following accounts which should be removed from my consumer credit report : XXXX XXXX acct # XXXX ; XXXX acct # XXXX ; XXXX ; XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX and XXXX XXXX XXXX acct XXXX XXXX. The credit bureaus are not actually doing their lawfully required due diligence to verify that these companies actually have lawful proof of these alleged debt accounts. After speaking to the credit bureaus, it appears that they are simply asking companies to verify if my information matches their records. This is not a true investigation. If someone has stolen my personal information and used it to open an account then its obvious that my information would match. The credit bureaus are causing me extreme emotional stress and hardship due their unlawful practices.
Consumer complaint received 2021-01-22
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)

Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX - XXXX XXXX deposited funds for my benefits. Bank of America of america has no idea where the funds are when I have conformation numbers on all the deposits that was made. The respresentative was very rude and told me there are no transactions and hung up in my face. Bank of America says there nothing they can do about it.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credence Resource Management, LLC (TX)

''I have recently reviewed my credit report and noticed that your collection agency has reported this debt. It is my understanding that under the FCRA, a creditor or collection agency must have a permissible purpose to furnish information to consumer reporting agencies. The permissible purposes for such reporting include, but are not limited to, situations where the consumer has provided consent or when the reporting is related to a legitimate business transaction. I dispute the accuracy of the information you have reported and question whether your agency had a permissible purpose to furnish this information. If your agency did not have a permissible purpose as required by FCRA 604, also this violates the FCRA section 605B which states that it is " illegal '' to report information to my consumer report without my permission. I kindly request that you take immediate action to remove this entry from my consumer credit report. I also request that your agency provides written documentation of the permissible purpose under which this information was reported to the consumer reporting agencies, including any evidence of my consent or a legitimate business transaction between me and CREDENCE RESOURCE MANAGE acct no. XXXX including the original contact between me and CREDENCE RESOURCE MANAGE acct XXXX within 15 days of receiving this dispute. Failure to comply with the FCRA 's requirements may result in legal action being pursued to protect my rights under the law. It is my expectation that your agency will conduct a thorough review of the permissible purpose and take the necessary steps to rectify this situation promptly. ''
Consumer complaint received 2024-08-14
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)

My Personal Identifying information was used to obtain goods, services, or money without my knowledge or authorization.According to FCRA Section 605B it is illegal to report inaccurate information on my credit report without my permission. XXXX XXXX account number : XXXX, balance : {$14000.00} Date Opened : XX/XX/year>. I have no knowledge nor did i give authorization to this company.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

This account is showing as late on the reporting. It is incorrect information. 


XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments - Payment History
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX I received my reinvestigation results back from Equifax re : XXXX XXXX Account # XXXX, and Equifax said that the account 's reporting was 100 % accurate and complete. This is not the case... not even close... which is why I just submitted complaint # XXXX requesting that the CFPB conduct a reinvestigation of these results. I would also like to receive a description of the reinvestigation that Equifax conducted under 15 USC 1681i ( 7 ).

The account mentioned previously is not reporting accurately. Hardly at all. In fact of all three of the major credit bureaus, Equifax has absolutely the largest amount of inaccurate and incomplete information reporting on this particular account AND the company I've spent the most time talking to about this on the phone AND as a result is damaging my credit score THE MOST. I'm not even kidding. This is the complete list of inaccuracies on just this one particular account : *Account Status *Date of Last Activity *Date of First Delinquency *Payment History ( The report literally says " No data returned '' - What?!?!? ) *Date Closed *Date of Last Payment *Delinquency First Reported ( How is it possible for an account opened XX/XX/XXXX to be delinquent on XX/XX/XXXX ... the next day?!?!? Really?!?!? ) These items are NOT 100 % accurate. In fact, since I have been in contact with this company since early XXXX, you can see that Equifax did not modify or delete the inaccurate/incomplete information on my consumer credit report according to 15 USC 1681i ( 5 ) ( A ) ( i ). I am attaching a portion of the credit report as evidence.

Considering how blazenly Equifax has damaged my credit score with this reporting, and given how much easily disproved inaccurate, incomplete and damaging information the company continues to publish about this account on my profile, I will also be filing this complaint with the Massachusetts Attorney General 's office and the Better Business Bureau.
Consumer complaint received 2021-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Care credit is reporting a 30 day late on XX/XX/20 and I was never late! When I opened up this line of credit I had set it up with an auto draft payment so it was taken every month on time. I had never had a problem with it and I have never been late. On XXXX the payment was not taken as normal and I was never notified that my payment didn't go through. The only reason I noticed was because I took a look at my credit. I called immediately to resolve this and they told me I had somehow been kicked out of my auto draft? I never set this up and this is not my fault. They assured me that they would waive the fees and remove the late from my credit file. I thought this was done until I looked at my credit again and noticed this late is still reporting! This is erroneous and I was never late. This was their mistake and it needs to be fixed immediately.
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

I am requesting for Navy Federal Credit Union to remove and delete these fraudulent credit cards from my XXXX credit report or legal actions will be taken against your company. I have never had any accounts such checking, saving and credit cards with Navy Federal. Someone stole my personal information to obtain these fraudulent accounts in my name. 

1. Navy Federal Credit Union Account ending # XXXX Balance {$5200.00} 2. Navy Federal Credit Union Account Ending # XXXX Balance {$1100.00} I have attached a copy of my police report and FTC report to this correspondence requesting for your company to remove these fraudulent accounts from my XXXX report as well as out of your system database. 

I also included correspondence from XXXX showing where these fraudulent accounts were removed but there were reinserted on my credit report without me being notified within five days based on FCRA. 

Navy Federal has violated my rights. Please honor my request by removing these fraudulent accounts from my XXXX  credit report.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Consumer Name : XXXX XXXX XXXX XXXX. 
Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This complaint is being filed with the CFPB to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Equifax credit reporting agency , block the fraudulent information appearing on my consumer credit report that is the result of identity theft and fraud. This action should be taken within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : XXXX. A personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). 

XXXX. A personal credit card account opened at XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). 

These accounts have led to several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a list of these hard inquiries, along with a copy of the consumer XXXX  credit report maintained by you, which highlights the fraudulent items mentioned above. 

I do not recognize these accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me and are the result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, confirming that all of the aforementioned accounts, collections, and hard inquiries are indeed the result of identity theft and fraud.