davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I hope this message finds you well. I wanted to bring to your attention a matter that requires immediate clarification. It has come to my notice that someone sharing the same name as mine has been using our shared name to apply for loans or financial transactions.

This confusion has arisen recently, and I want to assure you that I have not been involved in any such activities. To avoid any further misunderstandings or complications, I kindly request your assistance in verifying and rectifying any erroneous applications or records associated with my name.

Please let me know how I can provide any necessary documentation or information to resolve this issue promptly. I appreciate your attention to this matter and look forward to your prompt response.

There is also false information on my credit profile. Such as addresses, names, and phone numbers.

Thank you for your understanding and cooperation.
Consumer complaint received 2024-07-25
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)

This is my formal complaint to EQUIFAX. I am seeking the correction of inaccurate and fraudulent accounts in my credit reports to accurately reflect the correct information. I assert that the accounts in question were made on erroneous and unverified. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant accounts. The portrayal of inaccurate and fraudulent accounts in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA (NY)

This inquiry pertains to dispute case ID XXXX, in which I disputed a {$3300.00} transaction with the merchant XXXX. The dispute was justified, as I received incorrect merchandise, which falls under XXXX Dispute Reason Code XXXX - Cardholder Dispute - Goods or Services Not as Described or Defective. On XX/XX/XXXX, I submitted a PDF to Goldman Sachs containing all the necessary supporting documentation to assist in resolving the case. This included the order confirmation ( s ) with images of the items ordered, photos of the incorrect items received, and email correspondence with the merchant in which I requested to return the incorrect merchandise for a replacement or refund. Despite providing this comprehensive evidence, Goldman Sachs denied my claim, stating, We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim. This decision is both unfair and incorrect, as I have submitted substantial proof to support my case, yet the dispute has still been denied.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

As a federally protected consumer, I am requesting proof of the alleged debt. Under the doctrine of estoppel by silence, Engelhardt v. Gravens, I may assume that no proof exists. In good faith, I demand evidence of the debt, specifically the alleged contract bearing my wet signature, and proof of your authority in this matter.

I have no account with you, nor have I entered into any contract, so I require the following information : Your authorization under 15 USC 1692 ( e ), ( f ), and ( g ).

Your legal authority to collect this information.

Your legal authority to collect the alleged debt.

Your authorization to operate in my state.

Proof of the alleged debt, including any contract with my signature. 
You have 7 days to respond in writing. Failure to do so will waive any claims and lead me to presume your previous communication was sent in error, closing this matter. Your continued silence is unacceptable. Please provide proof or correct the erroneous reporting of this debt with the credit agencies. 

I am currently unable to secure housing or employment due to violations on my credit file, and if you do not respond, I will initiate a small claims action for {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

This notice serves as a formal dispute regarding the validity of the alleged debt, and any information received will be used as evidence for further action. The FTC and CFPB will also be notified of this matter.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (TX)

After reviewing my credit report recently, I was surprised to find that the Apple Card/Goldman Sachs bank changed my account status to current. 

I was never notified that it had been delinquent within the 30-day grace period or even after. When I looked at the app, nothing showed as delinquent, and it told me that I could pay early. 

I have previously received notice of delinquency shortly after it was late ( a circumstance arose from charges placed right after I had paid the whole card off ). Additionally, Goldman Sachs/Apple Card reported both the delinquency and the newly paid status in the same month, so I can guess there was probably some confusion on their end. 

If you look into my history with this card and bank, you will see that I have never had issues with payment in the multiple years I have been a customer.
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (TX)

I received an unsolicited Visa Signature credit card from XXXX with a credit limit of {$5200.00}. I did not ask for it, and neither did my wife. I'm sure they checked my credit report before sending it to me, which negatively impacts my credit score. I called them to cancel the card, and told them that I would be reporting this to you guys. They said they couldn't cancel the card without me providing them my home address and last four of my Social Security number. I don't want to give these people ANY more of my personal information. I provided them the card number that they sent to me, and the city that I live in, but they said they could not cancel the card without verifying the full address. I'd like to file a complaint with you about their illegal and unethical business practices, and let you know that I have shredded the card and all accompanying material.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

I had a fraudulent charge on my Wells Fargo ( WF ) checking account debit card on XX/XX/2024. XXXX was {$500.00} purchase for a XXXX gift card. I reported the fraud to WF, and the Claims Assistance Center ( CAC ) did an investigation. They decided that there was no fraud. I talked to XXXX in the CAC after learning of the decision and told him that the purchase was fraudulent and asked if they had contacted the vendor. He did not say they did but instead said CAC checked the company out on the internet, and it looked like a legitimate business. I told him I would contact the vendor and do my own investigation and let them know my findings. He gave me XXXX  contact info, and I talked to XXXX, Customer Advocate. I told her my situation, and she was concerned. She provided me with the receipt for the sale, and it said payor name XXXX. Also showed salesperson 's name XXXX. She also provided the gift card recipient 's XXXX  address. She questioned how WF could have determined this was not fraud without getting the receipt or discussing the transaction with XXXX. I found out that WF did not talk to anyone at WF but rather sent a routine request to XXXX computer system asking to verify the transaction was valid and no error was made. That there was a valid transaction and no error in the amount only proved that a sale was made. No further steps were taken by WF to talk to the vendor or get the receipt. I emailed the documents from XXXX to WF and asked them to include those in their investigation and contact XXXX. I was confident that if they did this, they would find fraud occurred. Despite WF escalating the claim to other departments ( XXXX -- executive level and Escalations ), no one considered the receipt in their decision and based their decision on the fact that CAC had contacted the company, albeit only by a routine request for verification. I've asked for their investigation documents for myself and XXXX. They said it would take 30 days, so I'm still awaiting those. I don't think they want me to have those documents. CAC questioned why XXXX would need the documents if they already verified the transaction. XXXX also thinks it is odd that XXXX is working with me on getting this case resolved and didn't just refund me the {$500.00}. CAC also claimed that I approved the transaction, and i told them that was not true as I was the one who reported the fraudulent transaction to them to start with. They are stubbornly refusing to consider the obvious evidence in this case, and I plan to get an attorney if this case doesn't get fairly and thoroughly investigated and resolved ASAP.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (MD)

I had a company called XXXX XXXXXXXX XXXX XXXX XXXX, when I started generating income, I created an account with Wells Fargo. A customer scammed me, with a check, the problem is that I deposited the check to the bank, the bank gave me the money and then my customer canceled the service, I returned the money to the customer and days later the bank tells me that the check is a fraud check, I filed the police report for the customer, but the bank charges me the total amount of the check, plus the fees. I do not have that money, the bank released that check for me, in any case the bank is able to detect if a check is fake or not, and they should not have paid me, because I do not have that money now, it is the bank 's fault, if the check was false, the bank should not have released the funds of money. They found out days later when I had already been scammed by this client. I will not pay anything to the bank and on the contrary I ask for a complaint for them because they did not give me the necessary security as a customer to trust them either.
Consumer complaint received 2024-07-25
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. (RI)

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate. 
XXXXXXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
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. (PA)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

XXXX XXXX  keeps showing up on my credit report. This is not my account I have never heard of them before. It says collection for XXXX. Ive never had sprint either. I would like this removed.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. 
It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective banks, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The banks have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (IL)

LexisNexis Risk Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized and Duplicate Addresses from Consumer Report Dear Sir/Madam, I am writing to request the removal of unauthorized and duplicate addresses that appear on my consumer report. These addresses are not affiliated with me, and I ask that they be removed immediately. Additionally, the address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX is being reported multiple times and should be removed completely. 

Here is the full list of unauthorized addresses for removal : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Reported multiple times, please remove all entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, if any tradelines are associated with these addresses, I demand their immediate removal. 

Please send me a confirmation once these changes have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/year> I applied for an American Express credit card with a limit of XXXX upon recent discovery I am exercising my right to initiate a consumer credit transaction with American Express. I am an investor as stated in XXXX XXXX XXXX Treatment of financial assets transferred in connection with a securitization or participation. As a result, the application became collateral for your extension of credit to me.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc. (FL)

REFUSED TO ACCEPT MY REQUEST FOR DISASTER RELIEF. 

SELF is a recipient of federal funds and beneficiary of federal programs. Self refused to comply or refuted President Biden 's Emergency Declaration / Executive Order. 

on XX/XX/year> approx XXXX EST, i contacted Self via chat after logging in to my account with this request : " MY HOME IS IN A FEDERAL AND STATE DECLARED DISASTER, and i was affected by the disaster. I WOULD LIKE TO APPLY/REQUEST DISASTER RELIEF regarding my account. ". 

the agent, XXXX, responded that no disaster relief is available through Self for victims o

f Hurricane Milton and Hurricane Helene. i requested that she take my request to memorialize that a request was made. i was told no. 

Every other credit card company to my knowledge complied with President Biden 's Executive Order. Except Self, they believe they are not required to make any accomodation for disaster relief or changes to their programs or procedures.
Consumer complaint received 2024-10-14
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: Fidelity National Information Services, Inc. (FNIS) (MD)

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. Delete accounts immediately for violating 15 USC 1681EBXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

This is my third complaint about the same Wells Fargo bank on XX/XX/XXXX. Someone used Wells Fargo to call us and tell us we are being fraud against our two checking accounts. I reported this to Wells Fargo claims twice each time I have been denied. I will continue to use this site to draw attention to Wells Fargo for not refunding our money which is covered under the federal law each time I do this claim they call me or write me a letter telling me that theres nothing they can do. The claims department is blaming us for authorizing the withdrawals from two different checking accounts, its clearly fraud and Wells Fargo refuses to pay us back the money owed that they allowed to happen. Next time I am denied. I am going to hire attorneys and resolve it that way.