davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-10
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. (MI)

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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or 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 2024-07-17
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian I am writing to update/correct my personal information on file with your company. 
Please update my address to : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Please update my name to : [ XXXX XXXX XXXX XXXX My only social security number is : [ XXXX ] My only and correct date of birth is : [ XXXX ] I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit 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: WELLS FARGO & COMPANY (GA)

I had fraudulent activity on my Wells Fargo credit card totaling more than {$2000.00} and the company denied my fraud claim. 

On XX/XX/XXXX Wells Fargo texted me asking if two purchases ( {$850.00} at XXXX XXXX and {$830.00} at XXXX XXXX ) were authorized by me. I immediately responded N, the prompt to indicate these were not my charges. 
Wells Fargo responded that they were freezing the card immediately. 
But more charges came through, anyway. 
{$210.00} at a XXXX, {$50.00} at a XXXX XXXX XXXX, {$18.00} at a breakfast cafe, and {$7.00} at a cookout restaurant. None of these charges authorized by me. 

I called Wells Fargo to report the fraud on XX/XX/XXXX and was told that it would be resolved in 7 days. I was asked if the credit card was in my possession, to which I said yes. But the history of the card shows that it is rarely used so it is unclear how the information was stolen. 

The claim was not resolved and the charges were ultimately put back on my credit card, and I called Wells Fargo again to understand why. 
The agent told me that because the credit card was in my possession, I had authorized the charges. The agent then said if I wanted to appeal the rejected claim I would need to show evidence or file a police report. 

I have no evidence to share and I am incredibly frustrated that Wells Fargo would make this process so difficult. Especially since Ive banked with them for as long as I have. ( Since XXXX ) I will be changing banks after this, partially because of the terrible customer service, but primarily due to the lack of security. It is incredibly concerning that fraudulent activity wasnt detected on this card when the charges were made and that when I alerted the activity wasnt me the company failed to freeze the card like they claimed to have.
Consumer complaint received 2023-11-10
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many ACCOUNTS which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXX XXXX XXXX XXXX US DEPT . OF EDUCATIO XXXX
Consumer complaint received 2024-09-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (TX)

Follow up on Case XXXX I have continued to ask American Express National Band to honor the High Yield Saving account that I opened with {$20000.00}. The account was hacked a year later by an unknown person named XXXX XXXX and to $ XXXX was stolen. The attached documents show how my spouse joint account holder XXXX XXXX name was removed. A second account was opened with the above named criminal XXXX XXXX. 
All my attempts have been unsuccessful to recoup my hard earned funds in this high yield account... .it is simply not fair!. 
In 2024 I have made phone calls & spoke with XXXX XXXX XXXX XXXX XXXX XXXX without success. 
I have transferred my small remaining balance. However, the account is still open with a few cents.
Consumer complaint received 2023-07-08
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-17
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-08-04
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. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-07-17
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: Experian Information Solutions Inc. (NE)

I am writing to express my concern regarding the disputed accounts on my credit report. 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 erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships 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 credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file 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 2024-07-17
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-10
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. (NV)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
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. (NV)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Ever since the XXXX data breach that leaked my information, I froze all my credit reports. Experian has not allowed me access to my online account to unfreeze my credit. When I try to log into my Experian online account, I receive an error message and the provided phone number is only automated messaging which does not allow to unfreeze my credit even though supposedly that is one of the options. I have tried multiple Experian phone lines- all automated, none provide unfreezing credit services. There is no way to connect to a human Experian employee to help me. Experian is using my information to make money off of me and Experian does not allow me access and control of my own information. This is a huge problem. I am not able to apply for a place to rent. I am not able to apply for credit cards or loans.
Consumer complaint received 2023-11-10
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: Affirm Holdings, Inc (MA)

After disputing a charge, I was informed that I didn't have to make any payments while the issue was being resolved. However, they failed to initiate the dispute process and subsequently reported me as being late. 
This failure in carrying out the dispute process has had detrimental effects on my financial standing.

Despite my compliance with the initial advice, I have been unjustly reported for late payment. The company 's negligence has not only inconvenienced me, but it has also potentially compromised my credit score. It is imperative that this issue is rectified immediately and measures are taken to ensure such errors do not recur in the future.
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 u.s.c 1681 section 602 states that I Have the right to privacy. 15 u.s.c 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under15 section u.s.c 1666b a creditor may not treat a payment under a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX also has not addressed my complaint about an overzealous repo man who reported to XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX he proceeded to bang on and try to break open the garage door in an attempt to repossess. my XXXX  XXXX XXXX he banged on the door of the residence and also banged on the garage door.
Consumer complaint received 2023-09-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (MD)

On XX/XX/XXXX, I entered into a loan agreement with Affirm to purchase a couch from XXXXXXXX XXXX  ( Loan ID : XXXX XXXX XXXX ) for a total amount of {$2400.00}. My case number with Affirm is XXXX. 

Since XX/XX/XXXX, I have made XXXX on-time monthly payments to Affirm of {$130.00} for a total of {$1500.00}. 

As of XX/XX/XXXX, I was informed by XXXXXXXX XXXX via their " restructuring hotline '' ( XXXX ) and formally via email that my couch would not be shipped to me. XXXX XXXX went bankrupt and any order placed before XX/XX/XXXX would not be fulfilled. ( See Attachment XXXX. ) Affirm sent a mass email in XX/XX/XXXX that it was " monitoring known order fulfillment issues with XXXX XXXX '' but no other action was taken. ( See Attachment XXXX. ) Despite knowing about XXXX XXXX 's fulfillment issues, Affirm continued to collect an additional {$1100.00} from me, which I believe is predatory and in bad faith. 

My suspicions that Affirm is acting in bad faith to their consumers was confirmed based on my XXXX phone call interactions I have had with the company in the last several weeks. I first contacted Affirm on XX/XX/XXXX and spoke with XXXX. He informed me that in order to get my money back, I would need to file a dispute with Affirm. XXXX told me that process would begin with Affirm sending me an email asking for specific information about the loan. He said the email would be sent that day, on XX/XX/XXXX. It never was. I called back on XX/XX/XXXX and spoke with another customer care representative. He told me it takes XXXX - XXXX business days for the initial dispute email to be sent to the customer. I waited XXXX - XXXX business days and then called back on XX/XX/XXXX. I explained my previous XXXX phone calls to another customer care representative named XXXX, who then transferred me to the supervisor, XXXX. XXXX explained that actually I would have to send Affirm an email with any information that I think would " help my case ''. In the meantime I would still be responsible for any loan payments. And on top of all of this it will take Affirm XXXX business days to process this " dispute ''. All of the above back and forth between myself and Affirm employees is unprofessional, unstandardized, and clearly unregulated.
Consumer complaint received 2023-11-10
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. (PA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit 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: WELLS FARGO & COMPANY (NC)

There was a {$64.00} charge to my Wells Fargo credit card for a recurring subscription on XXXX that I never signed up for with XXXX. ( Ref # XXXX ). I disputed the charge with Wells Fargo about a week ago with no resolution or removal of the charge to my account.
Consumer complaint received 2024-09-08
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. (VA)

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 XXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX XXXX  XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXXXXX  XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXThese discrepancies violate the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies, like Experian, maintain accurate and verified information. According to 15 U.S. Code 1681b ( e ) ( 6 ), Experian is required to uphold a joint notification system with other consumer reporting agencies to ensure the consistency and accuracy of credit reports. However, the differences between my Experian report and those from other agencies suggest non-compliance with this requirement.</p> <p>The inaccuracies on my Experian report have significantly harmed my creditworthiness and financial health. Under the FCRA, I have the right to dispute inaccurate information and request its removal if it can not be substantiated. Should Experian fail to provide documented evidence authorizing the listing of the disputed items, I demand their immediate removal, irrespective of any E-Oscar report.</p> <p>Furthermore, despite multiple requests, Experian has failed to provide me with my consumer file, distinct from a consumer report, which contains securitized consumer data.</p> <p>I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to rectify these violations promptly. Please confirm receipt of this complaint and keep me informed of any developments regarding its resolution.</p> XXXX, XXXX XXXX XXXX XXXX XXXX