davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-07-03
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. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-08-07
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NY)

My statement balance showed a promotional payoff balance of XXXX. I gave them XXXX. Instead of paying off the promotional balance and then applying the extra XXXX to the rest of the balance they took the whole XXXX and applied it to the full balance. I called and talked to someone who said it would be fixed and then I got a letter in the mail saying it wouldnt be fixed. I was told while having this card it the payment would be applied to the promotional balance that was expiring. Now I will be charged interest on about {$30.00} that was supposed to be paid off.
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AR Resources, Inc. (MO)

Harassment over a debt that should not have been sent by Medical institution, would not let me speak without talking over me, interrupted, was told i was a liar, generally abusive language, refused to even speak to me until i verified DOB and address. I Called medical institution and verified it should not have been sent and should have already been recalled, these people at AR Resources are incredibly rude and use filthy language and tactics. Refused to listen to me unless i paid the full amount. im concerned they will XXXX my credit before the hospital reaches out to resolve this with them. located in PA, also called me from XXXX on XX/XX/XXXX at XXXX claiming they had no information on me at that time, when called today they claimed they had me on file as of the XXXX, so they lied to put me in a bad position.
Consumer complaint received 2024-08-12
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. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-11
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. (MD)

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. Whos studying XXXX XXXX help 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 it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (GA)

XXXX XXXX  Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 


XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

FST PREMIER : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE (MN)

I have XXXX savings accounts with Barclays. XXXX of which are for my XXXX  XXXX  and I am joint account holder. 

XXXX ) Friday XX/XX/XXXX. My oldest daughters XXXX  account/joint account was frozen. We were unable to transfer out any money. Barclays said when she turned XXXX the XXXX  account should have been transferred to a joint account. She turned XXXX, XX/XX/XXXX - XXXX year prior to this. 

XXXX ) I asked them to transfer the money to my account since I was joint account holder. They said they could not due to the restriction and that her identity needed to be verified as outlined in the terms and conditions. They said I needed to send Driver 's License, XXXX XXXX  account statements, Social security card, OR Tax Return in lieu of SS card I asked them to tell me where in the terms and conditions does it spell this out? They could not provide this nor does the terms and condition say she needs to provide her Driver 's License, XXXX XXXX  XXXX, Social Security Card OR 1040 tax return. 

XXXX ) They wanted all of these documents emailed to them. I requested a secure way versus from my gmail to their customer service email. They had none. 

XXXX ) I supplied Driver 's License, XXXX  XXXX  Account Statement, and her XXXX Tax Return XXXX. 

XXXX ) I have called Barclays every single day since XX/XX/XXXX. On XX/XX/XXXX, they said they will not accept her tax return and I need to now send either a XXXX or SS card as to provide her SSN. I let them know that her SSN is not only on the Savings account, but on the Tax return I had provided and that XXXX 's do not contain full SSN. 

XXXX ) I requested to speak to a supervisor, to which I was denied. I have been denied access to an account that I am joint owner to and My daughter has been allowed to transfer money in and out for over a year when they said she should not have been able to. 

XXXX ) The amount in question that is locked up with Barclays and they refuse to return is {$760.00}. 

XXXX ) If I can not obtain this money - I will file in court against Barclays seeking an amount much greater than {$760.00}. She has been unable to withdrawal money to pay her college tuition and books. This is not ok.
Consumer complaint received 2024-07-04
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)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (IA)

On at least 4 electronic checks issued thru our business checking accoung the bank allowed the checks to be cashed 2 times. 
Wells Fargo check XXXX amount {$20000.00} cashed on XX/XX/XXXX and XX/XX/XXXX check XXXX amount {$27000.00} cashed on XX/XX/XXXX and XX/XX/XXXX check XXXX amount {$4900.00} cashed on XX/XX/XXXX and XX/XX/XXXX check XXXX amount {$5600.00} cashed on XX/XX/XXXX and XX/XX/XXXX During the check issue in XX/XX/XXXX, I called in to my business account manager and escalated the issue to the fraud department representatives. Only to be told they do not guarentee echecks can be stopped before this would happed. After meeting with a branch manager as well there was nothing done. Their advice was to place a stop or cancel on the checks once we knew they were cashed the first time to hopefully aid on stopping any furure attempts to cash these checks. However they did not state this was absolute. There was no resolution. 
As for my company we have minimal amount of echecks transacted thru Wells Fargo due to these issues and have moved most of our business away from them. Due to our business model being remote we must have echecks, online banking and depend on a financial institute that is secure.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

on XXXX, i sent all XXXX CRA 's a letter disputing the inaccurate information they are placing on my credit report. They are in violation of 15 usc 1681eb and 15 usc 1681s-2b because i inform them that they are reporting inaccurate information on my credit report.

they need to update my personal information as well to on my name and my present address, the other information are inaccurate and need to be deleted
Consumer complaint received 2023-06-15
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. (CA)

In accordance with the Fair Credit Reporting act. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). 

If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

The list of accounts below are a result of identity theft and have been reported and previously disputed with all three major credit bureaus. In hopes of correcting these inaccuracies I was then notified without proper investigation or proof that the validity of these accounts were accurate thus prompting me to look further more into the issue. 

Not only have they violated my rights to privacy according to 15 U.S.C 1681 section 602A, but also failed to provide me with a detailed explanation of how these inaccuracies were made nor have they been corrected which has led to a violation of my federally protected privacy and confidentiality by releasing and publishing inaccurate fraudulent information under 15 USC 1681. 

XXXX XXXX : XXXX {$500.00} XX/XX/2023 XXXX XXXXXXXX XXXX : XXXX {$610.00} XX/XX/2023 XXXX XXXX XXXX XXXX : XXXX {$790.00} XX/XX/2023 15 U.S.C 1681 Section 604 ( a ) ( 2 ) States that a consumer Reporting Agency can not furnish an account without my knowledge or written instructions.

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 2024-08-12
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NC)

I made a {$1000.00} zelle payment to a wrong recipient and immediately called my bank ( Wells Fargo ) to reverse the payment and they told me they will get back to me in 10 days. I waited after 10 days and called them back only to be told that they can not reverse the payment. I reached out to the wrong recipient but no response. Wells Fargo bank inability to help me was frustrating. I did not think they even investigated the case because they didnt contact me after the 10 days, I rather reached out before they told me nothing can be done. According to the Consumer Financial Protection Bureau ( CFPB ), Regulation E applies to transfers made through XXXX. So, I would like the CFPB to help me reverse this payment. This is a lot of money and losing it is having a toll on my mental health. Thank you
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

Opened 3 joint checking & 1 joint savings account with my wife with Ally and for some right after I sent money over to them to start using the account, they froze my account along with all of my funds right when I tried to send a bit back to the originating account.

I have called several times to try and get it resolved but they aren't able to generate questions to verify my identity and refuse to do anything about it. The representatives are extremely rude dismiss my questions every time I call in. My funds are frozen and I have no access to them to pay bills, buy food, water or gas.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-07-03
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. (GA)

I LOOKED AT MY REPORT BACK ON XXXX, XXXX XXXX AND NOTICED SOME THINGS ARE INCOMPLETE AND NOT ACCURATE AND ACCORDING TO FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCIES PREPARE A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURE TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT THE REPORT RELATES. 

I SENT A LETTER ASKING THEM TO INVESTIGATE THE ACCOUNTS LISTED BELOW BECAUSE ( XXXX  XXXX OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE ( XXXX XXXXXXXX ) OPEN DATE IS NOT REPORTING CORRECTLY DATE LAST ACTIVE, DATE OF LAST PAYMENT IS NOT CORRECT THIS ACCOUNT IS NOT ACCURATE I GOT THE INVESTIGATION BACK NOTHING WAS MODIFIED OR UPDATED SO I REQUESTED A DESCRIPTION OF THE RE INVESTIGATION THEY DO NOT PROVIDE IT TO ME WHICH IS A VIOLATION OF 15 USC 1681i7 they are violated 15 usc 1681i ( 5 ) can you look in to this matter
Consumer complaint received 2024-07-04
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. (NH)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC. (OH)

I applied for a credit loan through XXXX online. They had multiple companies including Exter Fin from XXXX, TX run my credit without my permission. This happened on XX/XX/2019. I never gave permission for XXXX to give my information to other banks to run my credit without my permission and I did not go through with a purchase from them so I want the hard inquiry taken off of my credit report.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
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. (NV)

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 ) Section states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-07-03
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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.