davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
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. (TX)

I have accounts that haven't been any activity since XXXX and I'm trying to fix the Inactivity 's and Wrong Information that's being reported Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ). 

The COLLECTIONS BELOW SHOULD BE DELETED AND REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AND ALL INQUIRIES ON THE REPORT.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

this is my prior complaint XXXX they did not address the issue in that complaint but my complaint was closed anyway. 
I would like you to look into this further. Their response is first, a lie, XXXX XXXX never said they may not honor the check. Secondly, they already said this nonsense prior to me filing a complaint. Third, the response does nothing to address the issue that they had the funds-the funds were released to them by XXXX the same day the deposit was made, yet, they held onto that money for 10 days. Its not as though XXXX  did not release the funds and said " wait a minute, lets see the check '' No, they released it right away. 
The letter also says they can contact the other institution and see if it cleared and release the funds early. That is not what they told me, they told me there was no way to lift the 10 day hold. 
Then after all of this, they back dated the deposit to make it look like it cleared on the XXXX. 
All of this nonsense and lies just makes me more upset. 
Please insist on a response with documentation from XXXX saying they may not honor the check.
Consumer complaint received 2024-10-07
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. (AZ)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-13
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. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WA)

Congratulations Experian, you've earned both my sole complaints to the cfpb to date. 

I had a terrible experience using Experian years ago in regards to credit freezing which eventually was resolved after a lengthy process. Currently on XX/XX/year>, when trying to sign into my account, I am given the oops, we're sorry page with their toll free fully automated XXXX number to call. Yeah, I'm sorry too for using your product. As per usual, there's no actual human representative to speak to and the available options do not allow you to resolve the issue by yourself. " Experian is committed to protecting [ my ] personal information '' so well that even I the original owner of said information can't access it. I was able to create new accounts with the other two credit reporting bureaus without issue whereas Experian can't even grant me access to my existing account with them. In the meantime, I will just have to cross my fingers and pray that no one manages to commit identity theft or fraud on my behalf via Experian with this level of " protection ''. It's a wonder they're still allowed to exist. If they weren't one of the big 3 credit reporting agencies, they would long be out of business for their abysmal product support.
Consumer complaint received 2024-09-12
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. (PA)

XXXX, Experian and XXXX didn't have access to use my social security number in selling securities on my behalf. I have attached their XXXX SEC filings to this complaint that shows proof of claim. This is called Securities Fraud and gross negligence that severely damaged my credit file and credit score.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00}
Consumer complaint received 2024-10-07
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)

I want to file a complaint with the XXXX credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.
Consumer complaint received 2023-06-01
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: CITIBANK, N.A. (WI)

We opened a Citi credit card around spring of XXXX. Fraudulent charges started within the 1st month. We contacted Citi ; they closed account and issued new card. All the transactions made on this card were fraudulent. All but 2 were removed by Citi. We've been trying to get this removed since last Fall.

Citi phone records will show detailed records of many dozens of calls from us to many of their representatives to include Fraud, Customer Service, Security, Technical Assistance, etc. to our last call on XX/XX/XXXX with XXXX, then XXXX, in which we were told to call the Fraud Dept., again. We told them we were done taking the endlessly considerable time to resolve this and would contact the CFPC and issue a complaint. 

We started to document phone requests to Citi resolve this year and wrote Citi on 2 occasions in order to resolve these last 2 fraudulent charges. The first letter was sent by email on XX/XX/XXXX. The second letter was sent by snail mail on XX/XX/XXXX. We never received a reply to our XX/XX/XXXX letter. 

Citi recently reported our refusal to pay to the 3 Credit Bureau Agencies which has seriously reduced our credit score over an issue that does not even exceed {$100.00}. This is irresponsible, reckless and seriously economically harmful to us. 

We've done everything we can to get this information corrected with Citi but their Online Dispute process is faulty and resulted in an inaccurate description in their dispute resolution response. Every one of our many, many conversations with Citi Representatives is positive and fruitful but the problem lies with Citi 's reliance on resolving disputes online only.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NY)

In accordance with the fair credit reporting act this creditor has violated my rights. 

under 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 an account without my written instructions.

under 15 USCS 1666b : a credit may not treat a payment on a credit card account under an open end consumer credit card plan as late for and purpose.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HW Holding, Inc (IN)

XXXXRequired by 12 CFR 1006.34 ( B ) ( 5 ) yet they have proceeded to place a collection account on my consumer report. The omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

2. I have not been offered the opportunity to dispute the account in accordance with.

12 CFR 1006.34C ( 4 ) ( 1 ) this denial of the dispute process to me of my rights to challenge and accuracy or discrepancy regarding the ledge debt. 
XXXX. XXXX XXXX XXXX has resorted to false, misleading and deceptive means in their collection efforts therefore violating my consumer rights, such unethical practices, undermine the integrity of debt collection process, and calls undo distress to consumers. 
4. For the more the agency lacks the authority to furnish my account to consumers reporting agencies without adhering to the necessary, disclosures, mandated by law by neglecting to their obligations under 12 CFR 1006.34 ( d ) and 15 USC 16812 ( 7 ) ( A ). XXXX XXXX XXXX is flagrantly disregarding consumer protection statues. I demand that the consumer financial protection bureau investigates these egregious violations that are placed on my consumer report no later than 30 days starting today XX/XX/year>
Consumer complaint received 2024-09-06
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: Nelnet, Inc. (FL)

My student loan provider original conclusion to my previous complaints was determined without my supporting documents. After submitting my credit report the loan provider concluded their previous determination as the first. 

I was sent an email that my account was closed along with a blank attachment. 

They never explained why several accounts list unavailable data, repetitive debts amount, missing dates, Increased/decreased debts amount that are irregular. 
XXXX has incorrect credit report and my financial history
Consumer complaint received 2024-09-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

15 USC 1692c ( c ) : if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (GA)

A bank account with Chase Bank was opened around XX/XX/2024. I received a notice regarding my address was updated for my bank account. So I called to see if a bank account was in my name. They stated yes, so they removed the funds and closed the account.
Consumer complaint received 2024-07-17
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: Experian Information Solutions Inc. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank continues piling on overdraft fees and so one overdraft fee In a veritable SNOW BALL EFFECT produces another and yet another and ...... all the down the line! 

As a result : two ( 2 ) checks were dishonored because of these numerous and being piled on overdraft fees! 

NOTICE : Wells Fargo Bank is stealing my SOCIAL SECURITY MONEYS and as a result I have filed a formal criminal compliant against Wells Fargo Bank with the SOCIAL SECURITY ADMINISTRATION! 

This is now my TENTH ( 10TH ) COMPLAINT TO THE CFPB in addition to literals dozens of emails and telephone calls to Wells Fargo Bank and calls from them to me and my beloved wife XXXX 's calls to them! 

And NOW some three weeks later, NOTHING!

I am told yesterday by " XXXX '' of there so called " Executive Office '' which is nothing but a front from the bank that it shall take until " XX/XX/XXXX '' for a " resolution ''! 

OR AM I TO WAIT UNTIL THE COWS COME WALKING HOME? 

People from Wells Fargo Bank put me under DURESS by telling me that they can not help me unless I accept their recorded telephone calls! 

CAVEAT : Any and all recored telephone calls aforementioned were under DURESS and so not voluntary IN VIOLATION OF FEDERAL LAW! 

XXXX XXXX XXXX XXXX Attorney-at-Law ( r ) XXXX  XXXX ( Ph. D. ) XXXX XXXX of XXXX XXXX ( r )
Consumer complaint received 2023-06-01
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: CL Holdings LLC (NJ)

J Jefferson system capital added a fraudulent collection to my report, a XXXX by the name of XXXX XXXX XXXX XXXX. I received grants and financial aid that covered my expenses and they randomly added a collection to my credit report
Consumer complaint received 2023-06-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: U.S. BANCORP (NV)

On XX/XX/XXXX XXXX my active business account with US Bank was accessed by the bank 's collections dept and a deduction of {$1800.00} was made, under claim that the bank was exercising the right of offset ; charging that account for an amount which they claimed was in default in connection with a previous credit card account with the bank which had been closed since XXXX 
My complaint, is that I did not receive any written, telephonic or electronic notice from the US Bank of their intention to garnish my current business account for a past credit card account that had been cancelled and closed in XXXX In a call to the bank to address this issue, on XX/XX/XXXX XXXX, US Bank disclosed that the alleged default resulted in a charge off sometime in XXXX. However, this fact was never communicated prior to that conversation. 
A Charge Off, means the lender or creditor has written the account off as a loss and that account is then closed to further charges and the bank is then able to to receive tax exemptions, adjustments, etc., in their efforts to offset, cancel or otherwise discharge the defaulted debt. 
I believe US Bank acted in bad faith, when taking money from my current business account without giving a fair notice of its intention to collect on the default it alleged. I never received any communication from the bank to address this issue, until receiving a XXXX extremely Urgent delivery the day after monies were deducted from the account. This clearly demonstrated that the bank had the ability to contact me about the default, but chose not to do so. This allows US Bank to arbitrarily impose immediate financial harm to my living situation, as they have taken what was in fact, my rent money. As a XXXX XXXX  now living in a fixed income which does not adequately cover my monthly living expenses, the bank 's action to collect have caused undue harm, when done without giving a fair notice and opportunity to address the issue while avoiding the severe financial difficulties I now find myself in.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (TN)

XX/XX/year> I was involved in accident, causing complete and total loss of my XXXX  XXXX XXXX In XXXX, IL. I had full coverage insurance + GAP Insurance. My gap coverage completed its payment BEFORE my next payment was due to XXXX XXXXXXXX XXXX 

Gap Claim Docs Contract # XXXXXXXX XXXX XXXX paid Gross Amount : {$15000.00} Claim # : XXXX percent XX/XX/year> {$19000.00} original financed amount I have filed, on at least XXXX occasions, credit disputes because they reported me late in my last XXXX  days of paying them in full, that I was {$1.00} short. I have tried to get another car through a carlot and they have denied me for a loan again including other financers. Why report me late for {$1.00}. This is beyond egregious and has caused me great hardship. I just had a baby, make more money now than I have in the past, and cant purchase a vehicle from a reputable lot and this is XXXX of the main reasons why. I have also been working on my credit and want the late payment removed.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

on my records is wrong information, i know about my rights and i understand my information must be XXXX porcent accurate, verify and completness, EXPERIAN is just puting on my credit inaccurate information, i already dispute it a month ago but they dont answer my complaint, the 30 days they have is over and at the moment i did not recieve anything about it, so the credit bureu is not doind the homework they are not interest in my as a customer so this is why im contacting the CFPB i need help with the lazy credit bureu
Consumer complaint received 2023-06-01
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to : 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. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.