davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (AL)

I am writing to express my concern regarding the disputed accounts on my XXXX XXXX Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These XXXX accounts are severely damaging my XXXX XXXX and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused XXXX XXXX for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my XXXX XXXX  without any further delay. With your help, I hope to restore the accuracy and integrity of my XXXX XXXX so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2018-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

On XX/XX/17 I received a letter from XXXX XXXX XXXX XXXX stating that I owed XXXX but the name on the account is not my name and would like it deleted off my account
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. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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 — Investigation took more than 30 days
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.

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 2018-04-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

I took out a loan with Wells Fargo Auto the loan was {$17000.00} with a daily fee simple loan at 3.24 % interest rate.. i have only one late payment since the loan started XXXX XXXX  14 I At the present time the loan is {$7700.00} i have notice over time that due to the type of interest on loan the interest payment has jumped a few times Last week the interest jumped up over {$13.00} On the payment making it {$35.00} so as I'm am paying down the loan the interest is going up.. i called wells fargo and went into battle with customer service, she screamed at me i don't understand the type of loan i took out and if i pay at different times it incurs higher intrest So i did caluculations of the loan XXXX x 3.24 % interest over 365 days = XXXXcents x30days = XXXX  not {$35.00} I have now gone to another bank to refinance theloan to pay off Wells Fargo.. they sent me doucuments they printed themselves and at XXXX i should be paying {$18.00} in interest please beware of Wells Fargo
Consumer complaint received 2018-01-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (AZ)

[ Incorrect late payment reported -- I did not have a payment due during this time. ] My first student repayment date was not due until XXXX XXXX. I had recently graduated during this time and never received a bill with a XXXX due date. On XXXX XXXX, XXXX I received an email correspondence giving me an update on my loan, stating I will be informed to my repayment schedule 45 days prior to a begin date ( email attached ). The next email regarding my specified account was not until XXXX XXXX, XXXX ( email attached ) and an additional reminder XXXX XXXX, XXXX, letting me know my first repayment date would commence on XXXX XXXX, XXXX. I was under forbearance, still enrolled in school ( graduate program ) at this time and additionally submitted my in-school deferment paperwork which was approved ( even though my university reports automatically ). For these reasons, I had no payments due XXXX, XXXX, nor XXXX XXXX and therefore did not have payments late for these months.
Consumer complaint received 2024-09-25
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. (HI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-20
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. (TN)

My information was sold and bought illegally because i was a victim of Equifax data breach. I want these items deletedform my credit report immediately. ACCT # XXXXXXXX XXXX ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. and Equifax has done nothing.Please help me deletes these illegal accounts from my 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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : #XX/XX/XXXX Account # XXXX, XXXX Account # XXXX, Equifax Account XXXX # XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-25
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. (NY)

Someone opened an account in my name. I never opened this account nor did I even receive this card. I asked to submit a fraud complaint and they refused because I wouldn't give them my full social security number. I refuse to give it out to a company that has a card in my name that I didn't open. Not to mention I never had a credit card company ask for my full.social security number. When I finally received a bill it was for plane tickets which common sense would be able to see if I boarded a plane or not. I haven't flew on a plane in about XXXX  years and it was only 1 time. I XXXX  the company 's number and it states it's a scam so how is this company allowed to report a fraudulent account and destroy my credit score that I have worked hard to earn. Again common sense shows I pay all my bills on time. XXXX must have morons working for them because they agreed with the company. Probably working with the company to make customers pay for credit monitoring. The company is called XXXX XXXX XXXX XXXX XXXX. The amount in question is {$2600.00}. I then receive a letter saying they need more information before new charges can be allowed.
Consumer complaint received 2018-01-10
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: FIFTH THIRD FINANCIAL CORPORATION (TX)

On XXXX XXXX XXXX Fifth Third performed an unauthorized hard inquiry on my credit report, i did not authorized such inquiry and it is affecting my XXXX XXXX. I tried contacting the Bank without any success.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

In XXXXXX/XX/2023 my account was closed down by XXXX XXXX with little to no notice or explanation as to why it was being closed. I requested over XXXX times a brief explanation of why and the bank consistently refused to provide me any explanation and I was advised they were entitled to end the business relationship with me at any given moment. I had monies in my account at the time and was told I had to wait XXXX days after investigation and if any money was owed i would receive a check in the mail. In which i just received my money back from them on XXXX XXXX. And still no explanation as to why my account was closed. 

I opened a new account with Citi bank in XX/XX/2023 and they have now closed my account down that was funded with over XXXX in it and advising me of the same thing XXXX XXXX said, which was I violated terms and conditions ( which I have no idea what term or what action of mine caused a violation to their terms and regulations ) and they closed my account down. And they will investigate and any money owed i will receive a check in XXXX days after investigation. I have bills to pay. We are in the biggest crisis in American history right now there is no way anyone should have to wait that long of a time frame to receive their money that was indigenously taken away from them without any warning. 

This is extremely unfair and something has to be done to ensure people money is not being taken and used for other gains and profits. Please accept this complaint as a formal matter of course to generate a balance and better solution to consumers as myself. This is extraordinary behavior by a both XXXX XXXX and Citi banking institutions and they deserve to be investigated and held accountable. 

Thank you for your time XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-03-13
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-11-20
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. (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.

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 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

In accurdance with the fair credit Reporting act XXXX Account # XXXX, has violated ry rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; arCI 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX Account : XXXX ) Has violated my rights 2- ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX XXXX ) Has violated my rights XXXX ( XXXX XXXX CT FL XXXX XXXX # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX ) Has violated my rights 6- ( XXXXXXXX XXXX  XXXX ) Has violated my rights 7- ( XXXX XXXX XXXX Account : **** ) Has violated my rights
Consumer complaint received 2017-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IL)

I opened XXXX credit cards with XXXX XXXX and XXXX XXXX connected with synchrony bank. I reported fraud on both credit cards and no credit and correction has been done on either card account. I want both cards accounts closed immediately. Someone hacked into both accounts and the bank allowed a address change which I did not authorize on the credit account. The customer service is rude and allowing this fraud to happen to me and not taking my honest word for the coruption to my accounts. I want both accounts closed and XXXX balance due to their negligence for resolving this fraud. They need to explain to me that i made any purchases since the cards were opened. If it is not resolved soon then I will continue to report misconduct on behalf of the bank for allowing this and having no security for custmers.
Consumer complaint received 2023-11-20
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. (OK)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attatching prooof that XXXX has admitted that I was in fact a victim of this data breach and the credit bureaus have done nothing. Please help me delete these illegal accounts from my credit reports. The accounts listed below should be deleted immediately from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not even get the account numbers for these accounts because the information I provide over the phone does not authenticate the accounts. I then ask for them to mail documents to prove that I indeed signed off on these accounts as well as them. They tell me they will send the requested information, but I have never received the requested information. I have done this on MULTIPLE occasions via phone and mail. 


I have attatched a document showing that XXXX admitted I was affected by the data breach which has resulted in these fraudulent accounts.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I have recently become a victim of identity theft, and I have filed a report with the Federal Trade Commission ( FTC ). The report numbers for your reference are as follows : XXXX and XXXX. As a result of this identity theft incident, I have identified discrepancies in my credit report that require immediate attention and resolution. I am requesting a thorough investigation into the inaccuracies present on my credit report, with the aim of rectifying any fraudulent entries attributed to the identity theft. The details of the disputed accounts are as follows : XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete these fraudulent accounts ASAP.