davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

XXXX This complaint is to answer above complaint. 
I have sent what I had but I am sending this complaint so you can follow us and resolve it as XXXX  of Americans have been taking by this fraud set up. 
Bank is claiming that Zelle is not going to refund you. It is your lost but this is a fraud on XXXX of Americans.
Consumer complaint received 2024-08-10
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Exeter Finance, LLC. (FL)

XXXX my financial institution for my car loan, harasses me on a daily basis almost every day and almost the entire day by phone calls and text messages. They call me several times and more daily except on XXXX  when they are closed. I've asked them several times to stop calling me because my daughter and granddaughter have been hospitalized for months, and I am at work and to please me a letter by mail only. But they have ignored my requests and at times call me more, which includes sending me text messages after the phone calls. The harassment is so excessive, and it adds to the stress I am dealing with without their harassment. Their tacts for collecting debts that might be one day late are outrageous and harassing.
Consumer complaint received 2024-08-10
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. (TX)

Dear Sir/Madam, I am writing to formally dispute the following accounts, which have been inaccurately reported on my credit reports by Equifax, XXXX, and XXXX. These accounts are not mine, and their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX I would like to bring to your attention that these unauthorized accounts have violated my rights under the FCRA as follows : Right to Privacy ( 15 U.S.C. 1681 Section 602 ( a ) ) : According to this section, I have the right to privacy regarding my personal credit information. The reporting of these unauthorized accounts on my credit report breaches this right, as I did not consent to their inclusion. Furnishing of Accounts Without My Written Instructions ( 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) ) : The FCRA clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have never provided any authorization or instruction for these accounts to be reported under my name. These violations have caused significant distress and potential harm to my financial standing. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that the unauthorized accounts are removed from my credit reports. Additionally, I request that any necessary corrective action be taken against the responsible parties to prevent future violations of my rights. Enclosed with this letter are copies of my credit reports from Equifax, XXXX, and XXXX, highlighting the unauthorized accounts. I have also included any relevant correspondence that may assist in the investigation. Thank you for your attention to this urgent matter. I trust that the CFPB will take swift action to resolve this issue and uphold the protections guaranteed to me under the FCRA. Please feel free to contact me if you require any additional information or documentation. Sincerely,
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

CAPITAL ONE BANK HAS A VERY HIGH INTEREST RATE. THEY HAVE A VERY HIGH LATE PAYMENT FINES. THEY ARE A SCAM FOR THE COSTOMERS WHO NEED A CCREDIT CARD. I FELT CHEATED, HELPLESS FOR NOT GET HELP SOLUTIONS ON TIME AND THEY DAMAGED MY CREDIT BY RUNING A SCAM.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am contacting you for the second time regarding inaccurate information in my credit report provided by Equifax. Specifically, I am referring tXXXX XXXX XXXX Account Number : XXXX XXXX which reflects late payments for XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX They are incorrect. I have compared this information with other credit reports, such as XXXX, which does not show these late payments and instead reflects a correct payment history. I have attached evidence of this discrepancy, which indicates that Equifax is violating my rights under the Fair Credit Reporting Act ( FCRA ). Specific Violations of the FCRA : 1. Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information. The inconsistency between Equifax and XXXX clearly demonstrates a violation of this provision. 2. Section 611 ( a ) [ 15 U.S.C. 1681i ] : After I previously submitted a dispute regarding this account, Equifax says he provided me with the results which is not true, he never provided me with the results of the investigation, without conducting a proper investigation. This suggests no meaningful action was taken, violating my rights under this section. 3. Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ] : This section prohibits the reporting of information that a data furnisher knows or has reasonable cause to believe is inaccurate. Since other agencies are not reporting these late payments, it raises serious concerns about the legitimacy of the data currently being reported by Equifax. I formally request that this inaccurate information be corrected immediately. If these late payments can not be verified with valid evidence, they must be removed from my credit report. I appreciate your prompt attention to this matter and expect that the necessary corrective actions will be taken.
Consumer complaint received 2024-08-10
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. (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 2024-09-26
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. (MA)

I was checking my credit report and noticed that there are inquiries that I don't remember I have allowed to be reported on my file - and it is so stressful to see because I do not in any way have permitted for these.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

In XX/XX/XXXX, I pulled my credit report in preparation for a mortgage application and discovered several accounts fraudulently opened in my name. Since then, I have taken multiple steps to resolve this issue, including disputing these accounts with the credit bureaus, debt collectors, and the original creditors. I have sent certified letters to all parties involved, but they have failed to rectify the situation and have not provided adequate documentation within the required legal timeframe. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), ** credit reporting agencies are required to investigate disputes regarding the accuracy of any item in a consumers file within 30 days of receiving the dispute. The credit bureaus involved have failed to meet this obligation, as they have not properly investigated or removed these fraudulent accounts. Additionally, under Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), when an identity theft report is filed, I have the right to request all information related to the fraudulent accounts. This has not been adequately provided. 

The accounts in dispute are : XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$3600.00}, XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$160.00}, XXXXXXXX XXXX XXXX Account XXXX XXXX ) opened on XX/XX/XXXX with a balance of {$580.00}, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) reported as opened on XX/XX/XXXX with a balance of {$1700.00}, Collection account from XXXX XXXX XXXX ( Account XXXX XXXX ) with a balance of {$890.00}. The original creditor is XXXX XXXX, Collection account from XXXX XXXX XXXX  ( Account # XXXX ) with a balance of {$5300.00}. The original creditor is XXXX XXXX and XXXX ( Account # XXXX ) opened on XX/XX/XXXX with a balance of {$5200.00} I have also submitted an FTC Identity Theft Report regarding these fraudulent accounts, which further strengthens my case under Section 605B ( 15 U.S.C. 1681c-2 ), which requires the credit bureaus to block the reporting of fraudulent information once the identity theft report is provided. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), mandates that debt collectors must cease collection activity until the disputed debt is verified. Despite my certified letters, the debt collectors involved have failed to provide adequate verification of the debts within the required timeframe. 

Given that both the credit reporting agencies and the debt collectors have not complied with these legal obligations, I am requesting that these accounts be removed from my credit report immediately. 

All relevant documentation, including my FTC Identity Theft Report, is attached to this submission.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I hope this letter reaches you under circumstances conducive to prompt resolution. I am writing to express my growing concern and frustration despite multiple attempts with the unresolved issue of fraudulent items associated with my account. Despite my repeated attempts to address this matter through your designated channels, I regret to inform you that all efforts to remove the fraudulent items have been unsuccessful. The persistence of these unauthorized activities is causing me considerable distress, and I am alarmed by the potential impact on my financial standing. Ensure the successful removal of all fraudulent items and transactions linked to my account without any further delay. Provide me with a comprehensive update on the ongoing investigation into the origins and nature of the fraudulent activities. I understand that addressing such matters requires careful consideration and timely action. I urge you to treat this issue with the urgency it demands to rectify the situation promptly. Your immediate attention to this complaint is crucial. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve the issue. I anticipate your swift response to restore my confidence in your services. I am asking for your help to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
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. (MA)

In accordance with the fair credit reporting act accounting # XXXX has violated my right. 
15 U.S.C1681Section 602A.State i have the right to privacy.

15 U.S.C1681Section section 604 A Section 2. It also State a consumer reporting agency can not furnish a account without my written instruccin. In addition to this account, you have different account numbers : XXXX for XXXX and XXXX, and XXXX for Equifax, as well as several errors in dates and comments.
Consumer complaint received 2024-08-10
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. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I have not been able to receive an updated copy of my Equifax and XXXX credit report via XXXX, XXXX  or XXXX XXXX because my personal information was changed with out my request or authorization. I am extremely concerned because I am not able to retrieve an updated report to double check its accuracy and this is affecting my chance of receiving a home loan in the near future.
Consumer complaint received 2024-07-30
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. (NY)

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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX  XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 an 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 then records of convictions of crimes which antedates the reports by more then 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 2024-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-26
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)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (LA)

To Whom It May Concern, I am writing to express my deep frustration and disappointment with how Wells Fargo has handled my account, resulting in significant and unnecessary inconvenience for both my father and me. 

In XXXX, I have moved to state of XXXX. I informed Wells Fargo that I no longer wished to be associated with my fathers account, which I had stopped using entirely by the end of that year. At the time, I was told that I could only remove my debit card information and that my father, as the primary account holder, would need to take further action to remove me from the account. My father attempted to do so, but the issue was never resolved. 

Recently, Wells Fargo froze my fathers account due to an address discrepancy tied to a XXXX XXXX XXXX temporarily used for a few months from XX/XX/XXXX to XX/XX/XXXX. This XXXX XXXX was never provided to Wells Fargo, as I had already ceased using the account by the end of XXXX. Additionally, all of my addresses have been Louisiana locations, and it is baffling that Wells Fargo would rely on outdated information from an address I used only briefly and never provided to the bank. The fact that Wells Fargo latched onto this outdated information from an account I no longer use, and then created additional issues for my father by freezing his account, is both unacceptable and unjustifiable. 

As a result of this freeze, my father is now facing a three-day wait period for Wells Fargo to update my address. During this time, he can not access his account to pay his bills, and his direct deposits are being disrupted. This delay is causing significant stress and financial strain, all because Wells Fargo failed to properly address my request to be removed from the account in XXXX. 

Adding to this frustration is the requirement for both my father and me to visit a branch together to resolve this issue. I live in Louisiana, where there are no Wells Fargo branches, and the nearest branch is in XXXX, Mississippi, XXXX miles away. Wells Fargo suggested that I either visit a branch while in my hometown of XXXX XXXX, NY, or walk into a branch at the same time my father does, regardless of where I am located. This is a completely unreasonable request and an extreme inconvenience, especially given that I have not been an active user of this account for nearly XXXX years. 

It is also concerning that Wells Fargo may have relied on outdated federal mailing information, despite my having consistently updated my address with all relevant entities since moving to my current residence.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Remove Unauthorized Inquiries Dear TransUnion, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete the items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) Please remove these Unauthorized items IMMEDIATELY and send me a copy of my updated credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.