davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (TX)

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 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$2800.00}
Consumer complaint received 2023-06-16
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. (MA)

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act. XXXX XXXX Account # XXXX, has violated several of my rights. 


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

15 U.S.C 1681 section 604 A Section 2 : Is also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-16
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: WELLS FARGO & COMPANY (PA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Please fix the following accounts : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Consumer complaint received 2019-11-27
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: Experian Information Solutions Inc. (VA)

I have disputed the same reporting errors on my credit bureau account with Experian and XXXX  more than 5 times each. In addition, I have sent in written documentation by mail to both credit bureaus for name and address discrepancies and to request an investigation on items that are in error. 

Investigations were not completed as promised, investigation and dispute dates where change every time that I called, the dispute dates/ investigations were not carried out to the fully completion dates, and I wasn't provided the documentation that was requested. 

I sent a copy of my social card and disputing letters by certified mail back in XX/XX/2019 by certified mail, and I have called and disputed the same items since XX/XX/2019 and now it is the end of XX/XX/2019 and nothing has been corrected. Currently the same items are in a new dispute as of last week. 

The credit bureau has failed to correct my personal information on my credit bureau reports including my name and address, in addition to, failing to provide documentation that I have requested to proved that the items disputed are true, indeed my accounts. 

I have contacted the companies in question that are on my credit bureau report and they can not provide written documentation to proved that the accounts are mine because I do not have accounts with their company ( s ). 

You are my last result other than pursuing legal action against the two credit bureaus. 

Please help!!
Consumer complaint received 2019-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX, UT XXXX I contacted XXXX XXXX XXXX XXXX XXXX, XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Consumer complaint received 2019-11-26
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. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN XXXX XXXX, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AL)

Received this e-mail but did not apply nor request this card : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER Inbox XXXX XXXX XXXX Synchrony Bank XXXX XXXX XXXX ( 2 hours ago ) to ******* Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.

-- -- -- -- -- -- -- -- -- -- -- - Tried to contact Amazon to report this but could not find path to do so.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (UT)

I received an email from Synchrony Bank that indicated " A Trial Deposit Has Been Successfully Made to Your XXXX XXXX '' I do not have and do not want an XXXX XXXX account. 

There is no phone number to contact this " bank '' and the email indicates the mailbox is not monitored. 

I believe ANY company that opens an unauthorized and unrequested account on behalf of a consumer is committing identity theft. 

I want someone to contact this " bank '' and demand that they stop this practice. A quick XXXX  search indicates I am not the only one to receive this phishing email.
Consumer complaint received 2019-11-27
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. (OH)

Equifax breach. There are discrepancy in my report that is still there and Equifax doesn't do anything about it. In resulting in my accounts are being closed and I can't pay bills. XXXX credit card is one of them. It stated to XXXX last month that they closed account yet when I got Equifax report over the past weekend it states I closed the account and they are adding charges to card that I did not authorize. XXXX is another one. XXXX told me that Equifax closed my account for too many open new accounts. This is untrue. I never opened new accounts yet did not receive any cards. Then XXXX counterdict by saying I made payments that I never authorized. Equifax is telling these companies of new accounts that I did not open yet received any cards, making companies close my account and destroy my credit. I also received an email from business consumer alliance stating they tried to reach out to XXXX and XXXX never responded to their inquiry twice not once but twice
Consumer complaint received 2019-11-27
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is an account that is being reported on my credit score. The account does not belong to me. The XXXX XXXX XXXX confirmed that they do not have any account on my name or with my SSN. Transunion and XXXX  keep reporting it on my credit without following the FCRA law that requires them to have a copy of the original documentation that proves this account belongs to me and have failed to provide validation or accurate verification with 30 days after my disputes were submitted.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (PA)

During TD Bank 's botched system upgrade which made the news : XXXX : XXXX I was unable to access any of my accounts for 3 months due to technical problems that had to be fixed by TD Bank 's IT department. This was resolved in a phone call. 

This is fine because I had automatic payments set up to always pay $ XXXX/month. 

But as you can see, the payments were not being applied to statements and late fees were assessed before 30 days after the last payment. This issue was fixed later. 

I spoke to customer support multiple times about this and they refused to provide any assistance despite this being their fault completely.
Consumer complaint received 2019-11-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NC)

I believe that I am part of the Wells Fargo Insurance scam that took place for many years. I had an auto loan through them and I can remember them MAKING me get insurance through them without my knowledge and forcing addition payments on me that I couldn't afford. Thus leading to an eventuall repossession on an impound that they wouldn't help me get out.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

HSBC did not pay a welcome offer that was made when I applied for a checking account. 

I applied for an HSBC Premier checking account on XX/XX/XXXX using an hsbc.com webpage that advertised a " Welcome Deposit offer for eligible new customers '' of {$750.00} with a new HSBC Premier checking account and qualifying activities that required : 1 ) Opening the account online by XX/XX/XXXX. 
2 ) Make recurring direct deposits totaling at least {$5000.00} from a 3rd party to the HSBC Premier checking account per calendar month 3 ) Receive monthly direct deposits totaling at least {$5000.00} into the checking account for 3 consecutive calendar months from the second full calendar month after opening. 

The terms stated that I would automatically receive a {$750.00} Welcome Deposit approximately eight weeks after completing all qualifying activities. 

My application was approved on XX/XX/XXXX and I my employer has made {$5000.00} direct deposits every month beginning XXXX, XXXX. The third such deposit was made at the end of XXXX, XXXX and they continue to this date. 

I contacted HSBC shortly after the 3rd direct deposit and inquired via message about the welcome bonus. The representative confirmed that I had made 3 qualifying deposits and that I would receive the welcome bonus approximately 8 weeks later and additional review. In inquired two more times since then and on the last inquiry, I was told that the HSBC Campaigns and Promotions Department would investigate. Finally, on XX/XX/XXXX -- - nearly 3 months after I completed the requirements, they notified me that I did not qualify because my application was not submitted via the required webpage. 

I have tried contesting with them and offered a screenshot of the webpage I used to apply, but they have remained firm.
Consumer complaint received 2020-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

For all three credit bureaus ( XXXX, Experian, XXXX ), my account balance for a XXXX XXXX XXXX XXXX closed account has failed to be updated to {$0.00} ( XXXX XXXX  XXXX, REPORTED BALANCE {$720.00} ). The balance was paid in full in XX/XX/XXXX and I even received a letter from XXXX XXXX   XXXX XXXX dated XX/XX/XXXX advising that I don't have a balance and that my credit reports will be updated to show my {$0.00} balance. A telephone call with a representative from XXXX XXXX months ago suggested they had already reported my {$0.00} balance back in XX/XX/XXXX, yet my credit report from each credit bureau has yet to be updated. Furthermore, I've disputed the account balance multiple times with no success.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

I have attached a PDF file containing a detailed account of my complaint. This complaint involves American Express and XXXX Visa in relation to their response to the unethical consumer practices mentioned herein. If they had protected my interests and stood up to these businesses, as is stipulated in the cardmember agreement I signed, I would not be facing the issues I am now. This is both an issue of ethics ( on their and the other businesses ' parts ) and my financial/consumer rights ( as well as my rights as a person with a XXXX ).
Consumer complaint received 2018-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

Dear Senior Director Of Operations, Attn : Chase Manhattan Bank Upon review of our checking account today we found for the sixth time to be charged a unauthorized " Disputed '' transaction from : Merchant XXXX which is Fraudulent! 
The continued amount of {$150.00}. Please block it and do not pay it. We paid several fees to have this stopped. Still awaiting the {$4500.00} refund from your accounting department. Our goal was to schedule a deposit for {$7000.00} but are concerned about this matter with { XXXX XXXX }. We do not offer merchant services through our account nor ever requested such services. 
*XXXX*
Consumer complaint received 2019-11-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

there are multiple problems with my accounts at Capital One which your website did not let me list them all : 1 ) They cancelled my checking account for a false " cause '' which was their fault, not mine. They paid a fraudulent charge when I had told them my account was dormant. They did NOT notify me that that took my account into the red, so I could not challenge that charge until months later. When I called their attention to it they admitted there was something very irregular with that charge. They removed it, but failed to reinstate my checking account. 

Capital One FAILED to notify me. They later gave me credit for THEIR error, but cancelled my checking account for " cause ''. 

2 ) They refuse to clarify if they submitted false credit reports against me. 

3 ) I told them to cancel my remaining savings account. They said they did in XX/XX/2019, but on XX/XX/2019 they spammed me about my " account ''. I discovered that the savings account is still open. 

There is no button online for me to cancel that account. They refuse to cancel it over the phone since I refuse to give them sensitive personal info about me. Obviously I do no trust them enough to give them that info. 
They're therefor refusing to cancel my account!
Consumer complaint received 2023-09-15
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. (MD)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 2020-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

It is my habit to monitor my small business checking account for duplicate charges, over-charges, charges for cancelled products & services, or products & services never received. I do so, primarily because I have noticed a sharp uptick in these types of " errors '' in recent years. The current algorithmic business culture seems to employ these tactics to increase revenue, knowing that most will never be caught or disputed. Wells Fargo has the opportunity to access the validity of my claims through an investigatory process. In all cases the WF investigatory process determined my disputed charges to indeed be " errors, '' and funds were rightfully restored to my account. Despite the acknowledged validity of my claims, WF tallies the number of such disputes ( the number of which is beyond my control ) and suspends ATM card privileges when a ( unknown ) threshold is met. This practice is clearly designed to discourage the dispute process. This practice favors the fraudulent billing practices of the corporations and business entities which generate the majority of the bank 's funds and subsequent profits. Small business and private individuals are not afforded the same privileges & protections as WF allows the billionaire business class. It is a morally bankrupt practice which should be legislated against. This is the 2nd time WF has truncated my contracted ATM services, rendering my WF accounts essentially unusable.
Consumer complaint received 2019-11-26
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: USA Service Finance LLC (TN)

I noticed negative reporting from USA Service Finance when I pulled my credit report on XXXX XXXX, 2019. On XXXX XXXX, 2019, I wrote to inquire about the debt .I have attached a copy of the letter and certified mail receipt. I have no knowledge of this account so I asked for them to verify the debt and provide proof that this is, in fact, my debt. It has been more than 30 days and USA Service Finance has not responded to my request. I believe it is unfair for this organization to report negativity on my credit and refuse to valid my debt.
Consumer complaint received 2019-11-27
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. (MI)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.