davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

Wells fargo closed my new account right after it had been opened on XX/XX/2015. Why did they make me drive back and forth to the bank? If they were going to just pull this dirty thing on me and get me embarrassed when I tried to purchase something. Wells fargo said it in writing it was because I harassed XXXX XXXX, they can never explain how I harassed her because they can't because she harassed me. MY first account was open for 1 year with no issues. XXXX XXXX should be banned from banking for how my private information along with my sons was compromised and it wasn't any misunderstanding! Why did they even open the new checking account if they were just going to close it? I was wronged by XXXX XXXX and wells fargo. All they want to tell me is that they have a right to close it. But I had the original one open the first year without them exercising their right to close my account. Banks have way too much freedom to do people wrong. It was all a setup to get rid of me. XXXX XXXX was not at the bank on XX/XX/2015 but just happen to be at the bank on the last day I was finishing up opening my new account. It seems they are still covering up for XXXX and XXXX XXXX for the criminal things they have done against me along with the other female employees at the XXXX XXXX location branch. I am still being denied justice!
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

The 3 credit agencies have all information regarding my accounts incorrect. My Account with XXXX XXXX the Open date is incorrect the amount owing is incorrect and behind According to 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) any transaction and experience between the consumer and the person making the report are excluded, so this means that any late payments are excluded according to the FDCPA all 3 credit agencies must match with everything that they are reporting the credit agencies are being in non compliance. I am tired of dealing with these incidences and the credit agencies 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes; or ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-09
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. (FL)

I need assistance with addressing some concerns regarding identity theft. I have been dealing with this issue for the past few months and have been in communication with the XXXX Despite sending my FTC and CFPB reports multiple times, they keep requesting new documents. I request the removal of fraudulent accounts and reports from my XXXX XXXX The fraudulent account is under XXXX XXXX - XXXX - opened on XX/XX/XXXX. Additionally, there are fraudulent inquiries from XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Furthermore, there is an inaccuracy in the report for GROW XXXX XXXX XXXX - XXXX - opened on XXXX XXXX, XXXX. I was mistakenly reported as late on payments. They had set up automatic payments, which got canceled. Despite contacting them, they assured me that it would not reflect as a late payment. I have attached my FTC reports and IDs for your reference.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

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

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

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-11
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. (NY)

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 2020-03-05
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. (NJ)

A few attempts have been made via letters at least 2 to  Equifax, 1 in XXXX and another in XXXX. I also called them and informed them about the accounts and inquiries. One from XXXX and another from XXXX/XXXX. I actually called XXXX/XXXX  with XXXX  fruad department and they help cleared it up on the furnishers end. So they are willfully reporting inaccurate data. They have not gotten back to me at all.
Consumer complaint received 2024-08-12
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. (SC)

This account with XXXX XXXX XXXX XXXX is currently in Arbitration and needs to be removed immediately until case is closed.

1. Per our Membership Agreement/ Billing Rights Notice we agreed that there will be no Adverse Action against any account that is in dispute, Including Credit Reporting . Is this Correct?

2. Per 15 USC 1666 puts this account in a do not pay do not Collect Status.

Why are you still Report to my consumer Report?

3. Per FCRA Reporting Transactions or Experiences is not included in a consumers Report.

Governing Laws : The Privacy Act of 1974 15 USC 6801-6805
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

XXXX {$40000.00} into my Chime checking account from XXXX XXXX XX/XX/23 {$14000.00} posted to Chime checking account Updated balance {$44000.00} XX/XX/23 Chime put hold on my account ( Temporary security restriction ) Chime requested : -gov. ID -proof of address ( I sent in documentation ) XX/XX/23 Chime regenerated document request link after I called them because they said they didn't receive what I recently sent them. 

Chime sent regenerated link - sent documents again XX/XX/23 I emailed Chime a complaint XX/XX/23 Chime sent another link -DOCUMENTS SENT XX/XX/23 CHIME LINK -DOCS SENT XX/XX/23 I sent Chime complaint email - Chime sent automated response -ID -proof address Also sent XXXX bank email XX/XX/23 Chime requested again ID, secondary ID ( social security card ), self portrait holding ID and paper with my name and date on it ) and address bill - I sent documents XX/XX/23 XXXX Chime automated responses XX/XX/23 Chime requested documents again XX/XX/23 emailed Chime complaint letter XXXX XXXX sent documents to Chime again XX/XX/23 emailed Chime compmaint and documents XX/XX/23 sent XXXX Bank documents and complaint Than XXXX responds with requesting documents proof of {$54000.00} XXXX wants proof of the funds XXXX onto XXXX for game play and winnings into Chime but what they don't understand is that there are several different payment methods to upload money onto XXXX. I used XXXX and another bank funding source to upload money.
Consumer complaint received 2024-08-12
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 recently reviewed my credit report and noticed an account that was not reporting accurately. i have to late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following date ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-08-12
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. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should now be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-05-24
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: Cascade CISS Holdings, LLC (OH)

XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX Credit Plus XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Consumer complaint received 2023-05-24
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: JPMORGAN CHASE & CO. (FL)

Fraudulent activity was spotted on the credit card. Reported to the issuing company, chase. They removed the charges to conduct their investigation. Resulted in them saying they believe the charges to be valid based on merchant reporting identifying information that matched along with an ip address match. Subsequent research found my personal information to have been leaked in previous data breaches compromising my personal information. Believed to have suffered from identity theft resulting in the fraudulent charges on the account. Have since filed fraud alerts on XXXX, identity theft report with the ftc, and exploring other avenues of recourse. Chase conducted a secondary investigation but still believes the charges to be valid and not honoring the fraud protection offered on the account.
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: EQUIFAX, 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 2024-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I requested for them to explain to me or to send me any information dealing with the closing of my account. I was told I would receive an Email and my Deposited funds would be returned back in the mail and it wasnt Im filing a complaint because its unfair how I have been treated and I need justice. 
I opened the account Wednesday XX/XX/XXXX at citizens bank located in XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (CA)

XX/XX/year> they locked my account, some security freeze, it sbeen locked for over a year with a a blance of over {$3000.00} XXXX  nobody can ge tin contact with the security department that handles my freeze. i was locked out of my online banking so i couldnt even pay my car or credit card online at all. nobody will give me my money or any reason as to why i don thave access to it and it snow been over a year, they also closed my business bank account that had over {$2000.00} in it as well. they mail me staments every month of my account balance but wont grant me access to my money.
Consumer complaint received 2023-05-24
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: DISCOVER BANK (TX)

I have paid off and closed my discover account back in XXXX now they are showing I owe them {$85.00} and I am 30 days delinquent result in drastic decrease of my credit score. I would request them to resolve this issue.
Consumer complaint received 2023-05-24
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: ENCORE CAPITAL GROUP INC. (FL)

I have called all 3 bureaus numerous times from last year until this morning due to inaccurate information on my reports. They refuse to remove innacurate names and addresses along with collections that dont belong to me and can not be verified, and also say I cant dispute anymore because its been validated but yet I have not received any validation of my debt. 
Collection in amount of {$5200.00}, {$2000.00}, {$4900.00}, {$390.00}, {$4700.00}. I have called each of these debt collectors requesting debt validation and they refuse and then hang up on me. I then tell this to the bureaus and they do nothing. These accounts do not belong to me and I only have ONE name and ONE address.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WV)

I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.

I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.

According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.

Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.

I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (CA)

XX/XX/2022. Wakefield and Associates and XXXX XXXX are attempting to collect a debt of orignial amount {$380.00}, now {$400.00}. I have not received any verification of the debt, nor have I been given the opportunity to dispute the debt prior to being relegated to my credit reports. I have disputed with XXXX, but only to side with the Wakefield and Associates. This is absurd, as I have not been contacted regarding the who, where and why the debt was incurred. Therefore, this debt is assumed to be fraudulent.