davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I couldn't believe it when I saw inaccurate accounts on my credit report this morning. I'm completely at a loss as to how this could have happened. I've always checked my credit report regularly, but today, out of nowhere, there were errors. I even tried refreshing my browser, thinking it might just be a glitch, but the inaccuracies were still there. This is really troubling, and I'm urgently requesting a thorough review of the documents I've sent so that I can avoid this kind of stress in the future.
Consumer complaint received 2024-11-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (TX)

Please refer my previous CFPB complaint # XXXX Till now, this issue is not straightened. 
I can not see the full balance. I can not make the payments. I can not setup automated payments. 
Even my {$750.00} cash back bonus is missing which us bank is stating got deposited on XXXX XX/XX/year>. 

What's going on? 

why this credit card is so so complex? 
Why this company US bank simply don't close their operations and outsource the work to somebody who is capable enough?
Consumer complaint received 2023-07-06
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. (NY)

Hi. My name is XXXX XXXX. 
A few months ago our property management " XXXX XXXX '' decided to report our rental payments to credit bureaus, which I never signed up for and that clause was never on our lease in the first place. 
My roommate XXXX. hasn't paid rent for XXXX months, and for some reason this affected MY credit score.We are not a family with XXXX, I am not her guarantor, we have got all our names of the lease separately, all of us had undergone separate credit check upon moving it, and now management is making me accountable for her late payments? Management chose her and approved her when she moved in, I have nothing to do with it. 
Also, they NEVER informed us late payments would affect credit score of everyone living in the apartment. 

I always pay on time, ALWAYS. I've built a perfect credit score of about 750. Now it went down by 90 points because of that. This is an absolute absurd and technically my personal data infringement. Ive been meticulously building my credit score, Ive put real hard work in it. This error should be taken off from my credit report because its not associated with me in any way. 

I'm attaching evidence our rent payments for the past few months from which you can see I have always paid on time. 

Please assist. 

Property management contact details : Direct Management XXXX XXXX XXXX XXXX XXXX NY XXXX P. XXXX F XXXX XXXX XXXX
Consumer complaint received 2023-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX, representative for American Express Credit Card, has called and left messages repeatedly since XX/XX/XXXX. 
Called to settle debt with XXXX beginning of XX/XX/XXXX, Call reference # XXXX. Representative mentioned that company would sue me if I didn't pay the debt by that Monday. That if I wanted to stop legal action, I would be required to pay XXXX up front. He used threatening language and acted as if I was a criminal. When I told him I didn't have the funds, he kept telling me that I'm a grown woman and I should be paying them now instead of incurring a debt. This conversation lasted over an hour. 
After that call, XXXX has tried calling and left messages everyday for the past three weeks.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX I called and requested a payoff for a lien, that I was told was recorded on my title for {$5000.00}. I was not previously aware of this lien until another bank brought it to my attention. 
Wells Fargo then gave me a payoff for my full mortgage of {$86000.00}. They are unable to give me a payoff for the {$5000.00} because when I refinanced my home a couple of years ago in XXXX, we refinanced {$92000.00} and rolled the {$5000.00} ( which I was told was closing costs and taxes on my mortgage ) into the mortgage so that we were then paying off {$98000.00}. This is the balance my current mortgage started with. 

At this point it appears that Wells Fargo rolled the {$5000.00} into my mortgage and at the same time filed a mortgage GAP lien on my title for {$5000.00}. 

I am currently approved for a HELOC loan ( by a different bank ) for needed home repairs but am unable to close because of this lien and Wells Fargo 's inability to provide a payoff statement. 

I have attempted to resolve this with Wells Fargo but they have not acknowledged my complaint beyond giving me a case number. I have been bounced around between departments and customer service workers while no one will give me any information or a written acknowledgment of my complaint. I have left messages and requested phone calls back, which have not happened or a random department will call and say they can not help me. They have been less than helpful. 

I am currently suffering a hardship because I am under a time constraint to close on my HELOC to pay for my home repairs and it is currently looking like I will not be able to do that and don't know how I will pay these bills without the HELOC - Which was approved but can not be closed upon due to Wells Fargo 's error.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-09
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year>, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-09
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

My fianc is traveling for work and sent me money ( 5 transactions ) in the last week for household and miscellaneous expenses. PayPal flagged the transactions. He provided an explanation on his account. They suspended my account for " suspicious activity ''. I called and spoke to their representative to clarify the matter. I explained what the money is for and they stated it would take 5 days to review. I stated that is unacceptable. They requested I provide a picture id and a bank statement and explanation of every transaction. I already provided the explanation for the transactions by phone. I stated I don't feel comfortable submitting my picture id as they already have my social security number ( additionally they are refusing to state why the account is suspended, but are requesting very personal and sensitive information ). I stated this is not a business account and I should not have to provide my bank statements to receive money for a personal transaction. I requested my account to be closed and they are refusing to do so because my account is " permanently suspended ''. They will not provide a reason for the permanent suspension. They will only communicate through their message system which doesn't allow me to send their communication or take a screenshot as proof of their reply.
Consumer complaint received 2023-04-14
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. (CA)

Experian is reporting XXXX account late XXXX XXXX to XX/XX/XXXX In addition, they put I made a {$510.00} on XX/XX/XXXX payment on the account which I never made. 
Reporting the account is open when it is closed. 
This account is 7 years and 4 months old. 
They keep changing information to try to destroy my credit. 

Frauded and sold a bad car bXXXX XXXX XXXX XXXX  XXXX, OH. 
Promised when i turned in lease car fees would be waived but they lied and didn't waive anything and stuck me with a not realistic balance. I ended up putting a engine after only 9 months of owing the car in the amount of XXXX to replace the engine. 

Experian and XXXX are providing fraudulent information on my credit report,
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/2023 I made a payment from my XXXX XXXX XXXX online payment center to Barclays. The amount I intended to pay was {$700.00}. I accidently put in an extra zero and made a payment of {$7000.00}! When I discovered my error on 08/20/2023, I immediately contacted my bank and was assured that Barclays would refund the money and this is a very common procedure. 

On XXXX/XXXX/2223, I contact Barclays and I spoke to several people in the customer service department including XXXX, XXXX, and XXXX. I was told by the Barclays employees that since the payment was made by a third party, XXXX XXXX, that the money could not be reimbursed and that I needed to contact XXXX XXXX XXXX After many calls to XXXX XXXX XXXX, I was repeatedly told that no one at XXXX XXXX XXXX has ever heard of a merchant not returning the overpayment. I was also told that since Barclays has collected the money and it is now with Barclays, that XXXX XXXX XXXX can not recall the money. I requested to speak to someone in XXXX XXXX XXXX bill pay and was directed to XXXX. 

XXXX, from XXXX XXXX XXXX XXXX XXXX. called Barclays with me on the line and we were finally connected with XXXX ID # LASRPA. XXXX would not provide his last name. XXXX inquired why the money could not be reimbursed. Again, we were told that because the payment was made by a third party ( bill pay ), I would need to seek recovery from them. XXXX from XXXX XXXX XXXXXXXX XXXX XXXX reported she is in fact from XXXX XXXX XXXX XXXX XXXX and that this was not a procedure they could do since the money was in the hands of Barclays and they needed to refund the money. XXXX advised that Bank XXXX XXXX is not able to recall the funds since there was no fraud involved and that Barclays should return the funds. XXXX reported that this was a simple mistake, and it happens all the time. XXXX stated that since the payment was made from XXXX XXXX XXXX and not directly through Barclays, that the money would not be reimbursed. 

I dont understand why it matters where the money came from. The funds have been withdrawn from my bank account and now Barclays has the {$7000.00} and refuses to return it to me. I have gone around and around with this issue since Sunday, XX/XX/2023. I am not a delinquent customer of Barclays. I have always paid my bill. In fact, the minimum balance due on XX/XX/2023 is {$280.00} and I was trying to more than double the minimum by paying {$700.00}.
Consumer complaint received 2023-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (DC)

I went into Wells Fargo XXXX XXXX to make a deposit on XXXX XXXX XXXX XXXX XXXX. I deposit two checks totaling {$120.00}. The teller accepted my two checks and asked me to confirm deposit on pin pad outside his window. I noticed the amount was correct and was getting ready to confirm and told him I wanted email receipt and he said wait a minute. He then touched his computer screen and said its ok now. I then touched the pad to confirm. After I got home I checked my email because it was unusual for them to say wait a minute and touch their screen. As a result I noticed my deposit reflected {$100.00} and said less {$20.00} cash. I immediately contact the XXXX number and filed a complaint. I asked them to review the footage and they will see the transaction on camera and noticed there was no cash back given to me. The bank sent me a letter that they had completed their review and did not give me back my {$20.00}. I contacted the XXXX office in XXXX XXXX and asked them to review the footage to confirm. I also contacted the branch XXXX XXXX XXXX and he was unprofessional and said no multi XXXX XXXX XXXX would review footage for {$20.00}. He was not concerned if his employee was stealing money from customers. i am a XXXX XXXX XXXX XXXX and I need my money. look at the camera is all that is needed to confirm this request. the bank only verify a tellers draw at the end of the day and see no overage and say there was no problem. If the teller put the money in his pocket obviously thee will be no overage in his draw. look at the camera the transaction was made at XXXX XXXX on the XXXX of XXXX at the Wells Fargo XXXX on XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-09-01
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: JPMORGAN CHASE & CO. (FL)

I see on my credit report some unknown accounts, I do not recognise nor have i opened or used these accounts, therefore I request to remove the fraudulent accounts from my report, I am currently pursuing all legal avenues in order to get this resolved as a matter of urgency, kindly remove these fraudulent inquiries and derogatory reports from my account. 

XX/XX/2013 a balance of {$3700.00}. 
I am a victim of identity theft and I never opened this account. 

balance of {$720.00}. 
I am a victim of identity theft and this debt is not mine.
Consumer complaint received 2023-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (CA)

I opened a US Bank account around 2 and a half years ago. Earlier this week, I received a letter from them stating that they believed the account to be fraudulently opened, and requesting proof of identity, as well as some other information. The proof of identity I can understand, as asking for photo id and social security card is pretty standard. However, they are also asking for 2 years of my tax returns and 2 months of bank statements. This is the kind of information that is normally asked for when applying for a personal or home loan, not a personal credit line. 

When I called and asked them what evidence they had of fraud, they informed me that it was an internal matter that they could not discuss with me, and provided me no evidence as a result. The account has been open for multiple years, is paid and in good standing, including a balance transfer that was paid off, so I don't know what would prompt them to send me this letter. If someone was committing fraud, I would assume that they would take the money and not pay the account. Since they won't share with me what prompted this, I can only assume that they are demanding financial information from me in an attempt to qualify me for other bank products that they have, or to resell this information. 

I would like you to please find out on my behalf what actual evidence they have of fraud. Please note that I am fully willing to provide proof of my identity in the form of my ID and social security card, but I refuse to give them financial records of the nature that they are requesting when they wouldn't request the same from a new customer, and when no other credit card company I do business with has ever asked for such either. This seems like harassment to get access to information by threatening to close the account.
Consumer complaint received 2023-09-01
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. (CA)

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Consumer complaint received 2023-04-12
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. (NC)

I am certifying and contesting that this letter has been sent with my free XXXX. I am contesting out of good will and faith that I have not hired any third party to communicate on my behalf. 
I am an identity theft victim. This item that appear on my credit report do not belong to me. Due to you all reporting this item and incorrect information on my report, I am in fear that this will cause even more identity theft and harm to my credit reports. As it is your due diligence as a reporting agency to make sure that what you are reporting is ACCURATE. 

This letter is in request that you all follow suit with section 605B ( 15 U.S.C 1681 C-2 ) which states that you are to BLOCK these fraudulent account off my reports within FOUR days of receipt of this letter. I am asking that you all remove this items off my report within FOUR business days of receiving this letter as they do not relate to any transactions that I have made. 

1.XXXX