davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX  XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I was contacted by Wells Fargo, or thought it was them about a charge on my debit card that was denied. I then got a call from them saying my accounts had been compromised and they needed to shut them down. They were sending me codes that I had to read back to them, which I think were codes giving them access to my accounts. Later there was a message that a wire was initiated and I freaked. They said all my money was in my account even though I showed it was gone. The next day, XX/XX/XXXX, they tried it with my business account but I then knew something was wrong so I called Wells Fargo and get it stopped. At that time XXXX claims were created for the wire fraud that went through and the one that didn't. They told me it would be about 5 days to investigate. The one that they didn't get the money was resolved right away and closed. I waited until the XX/XX/XXXX to call and the person I was talking to said the one were they got the money wasn't opened for investigation until XXXX. They denied my request to return the money because XXXX had denied it. Why I am so upset is that if they had jumped right on it maybe that money might of still been in the XXXX account but instead it was 5 days after filing. My case # is XXXX for the money they got. I am not a rich man and Wells Fargo has been no help. Thanks
Consumer complaint received 2023-06-03
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. (SC)

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX AZ XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  AZ XXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX XXXX XXXX {$80.00}  ( Original Creditor : ) XXXX : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX GEORGIA XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX AZ XXXX ) XXXX Balance : {$5500.00}
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (AZ)

This has been an on going issue I have been diligently working on since XX/XX/2023. Its so unprofessional for a business to take such low standards when dealing with peoples means to live.. I have waited patiently as well as followed the correct steps to fulfill my obligation on my side as being the customer. The bank ( business ) has done nothing to try to resolve this issue and now its happened multiple times. Any contact information they provide me with is none working, I have sent the correct documents they requested multiple times and nothing seems to get done. The total amount they due to owe me is XXXX. They will put money for the fraud charges in my account and then take them back. Making me pay fees that are unnecessary since its due to their mistake. The last time i deposited XXXX at the US bank atm not only it didnt show and still hasnt on my account but it also kept the card. Forcing me to have to get a new one which takes 3-7 business days. During that time I had a trip to take and wasnt able to use my own card because of the temp card not having my name on it. When I contact them regarding anything to do with my account or if I try to make fraud claim they give me a run around. Sending me to various departments who either dont know how to answer the questions or provide me with the necessary help to ensure that I get my money back. I feel that this is not only unfair but unjust. If u need any more information regarding this matter please dont hesitate to call. I just didnt wish to waste more of my time collecting and sending documents with personal information while nothing still get resolved. Thanks for your time.
Consumer complaint received 2024-10-28
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)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
I demand that the following account be validated or DELETED from my Experian Credit report immediately : XXXX. XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX  - Account Number : XXXX Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX XXXX.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX  ( XXXX ) pandemic during the covered period.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (LA)

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX  ( XXXX ) pandemic during the covered period.
Consumer complaint received 2023-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX submits and falsifies information regarding an out dated account each year. When challenged they will remove the account, wait about 6 months and renter the information as though it is a new account. 

They are pretending to be XXXX XXXX a company who finance my XXXX car in XXXX. My car note was {$460.00} a month. 
My car has been paid in full for several years. 

The information for this account has been changed several times. It started with a purchase from XXXX which was sold to synchrony bank., who sold it to portfolio recovery when it was about to expire. XXXX XXXX falsified the date. Each time I dispute it, they remove it and return it as a new account with falsified dates. 
I received a line of credit from synchrony bank in XXXX. I never used the card. They are using this information to make the charge look valid.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

Ive been trying to dispute these accounts several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance Owed : {$140000.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$840.00}, DPT EDXXXX XXXX XXXX Owed : {$7500.00}, XXXX XXXX XXXX Balance Owed : {$7100.00}
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

I am refilling this complaint to JPMCB CARD for allowing fraudulent accounts on my credit report and for no corrective actions taken on these fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-06-03
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 have spent the better part of the last two years trying to have fraudulent accounts removed from my reports. The time, stress, and financial damages they have caused me have beyond nauseating. These credit reporting companies have done nothing that would remotely be considered a legitimate investigation into these concerns. My next steps are to take these concerns to federal court. 
15 U.S Code $ 1681c-2 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 alleged identity theft, not later than 4 business days after date of receipt. It has been well over 30 days and you are VIOLATION of this law due to the very fact that I AM A VICTIM OF IDENTITY THEFT!!!! Please delete these items that are enclosed on my federal identity theft report. 
To be clear, these accounts should not be furnished on my consumer reports as they are in VIOLATION of 15 U.S Code $ 1681c-2 AND under 15 U.S Code 1681b Permissible purposes of consumer reports, subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I XXXX XXXX NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a FEDERAL PROTECTED consumer. NO CONSENT IS IDENTITY THEFT. As a consumer im demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

Original Card : XXXX Replacement Card : XXXX {$500.00} I own a card that I bought with my own money. I exercised my XXXX / Regulation II PIN debit rights to use the card in good faith at local merchants, but InComm blocked the transactions and is holding my money without my consent. 

I called customer service and asked for a replacement card. InComm sent me a replacement card but refused to activate it when I called in to customer service to activate the card, and even refused to provide identifying information about the card so I could locate any receipts or additional documentation. InComm reps refused to provide a timeline but indicated that it may take 30 days or more to get a working card. I did not get what InComm advertised to me : a working card that is accepted everywhere XXXX debit card are accepted in the United States XXXX 
I want my money back and I want the CFPB/appropriate regulator to compel InComm not to block transactions in violation of Regulation XXXX, or to promptly return all money, including purchase fees, to affected customers.
Consumer complaint received 2023-06-02
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. (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.

The letters are stated with items and issues.

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 2024-10-14
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (CA)

Original Card : XXXX Replacement Card : XXXX {$490.00} I own a card that I bought with my own money. I exercised my EFTA / Regulation II PIN debit rights to use the card in good faith at local merchants, but InComm blocked the transactions and is holding my money without my consent.

I called customer service and asked for a replacement card. InComm sent me a replacement card but refused to activate it when I called in to customer service to activate the card, and even refused to provide identifying information about the card so I could locate any receipts or additional documentation. InComm reps refused to provide a timeline but indicated that it may take 30 days or more to get a working card. I did not get what InComm advertised to me : a working card that is accepted everywhere XXXX debit card are accepted in the United States XXXX 

I want my money back and I want the CFPB/appropriate regulator to compel InComm not to block transactions in violation of Regulation II, or to promptly return all money, including purchase fees, to affected customers.
Consumer complaint received 2023-06-03
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. (AZ)

This is my numerous request 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-23
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. (NH)

I AM A VICTIM OF IDENTITY THEFT. PLEASE REMOVE ALL FRAUDULENT ACCOUNTS. XXXX XXXX, XXXX XXXX, XXXX ACCOUNTS. 

I ATTACKED A LETTER FROM XXXX TELL ME THAT MY NAME WILL BE REMOVE FROM THAT ACCOUNT DUE TO FRAUDULENT OPENED.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.