davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-14
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/2023 ATTN : Equifax Legal Department , Ive just reviewed my credit report and noticed the following inaccurate item XXXX  with account number XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed additionally late payments are illegal and you are violating the right to my privacy. refer to 15 u.s.code 1681 ( a ). 
In the absence of any such verification, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 
Finally, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file. 
Sincerely, XXXX XXXX.
Consumer complaint received 2023-04-15
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



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 2023-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (GA)

In CFPB Complaint ID XXXX, created on XX/XX/23, I described how Wells Fargo took over {$3800.00} out of my checking account without my permission and refuses to tell me why the money was withdrawn from my account. This CFPB case against Wells Fargo is still open and there only response on XX/XX/XXXX is that their response is " in progress ''. Since the {$3800.00} was withdrawn from my checking account against my will on XX/XX/23, I stopped all electronic deposits and manual deposits into the account for fear that Wells would take those funds as well. 

In XXXX, Wells Fargo informed me that they are converting my XXXX Checking account into a different type of account because me no longer having and average daily balance of {$500.00} and having {$500.00} in monthly electronic deposit results in almost {$130.00} in fees. However, the type of checking product, " Everday Checking '', Wells is moving my account to still incurs other types of fees if I don't maintain a minimum balance and volume of transactions.

I believe this is a pressure tactic by Wells to have me close my account before my complaint with the CFPB has been resolved and/or restart making deposits into the account so that they can take those funds as well. I feel that this is a non-transparent and predatory tactic. 

Again, Wells refuses to tell me why the money was taking from my account. Moreover, my only WF product with a balance is my home mortgage and it is in good standing.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

XXXXXXXX  I notified Wells Fargo that a check for the amount of {$260.00} was cashed by an imposter at one of their branches. I sent in all documents ( affidavit, drivers license ) that I did not open the account to Wells Fargo Bank. Well Fargo has denied my claim twice, saying I went in and opened and account and deposited that money {$260.00} and also closed the account. I have found out that Wells Fargo sent a denial letter to the imposter back on XX/XX/XXXX  which included my personal information. They have compromised my personal information as well as denying my money. 

I even requested form Wells Fargo to see the documents that were provided to open the account, to know which Branch it was done at and also to see the video of me opening this so called account. They have not provided me with this information. 

They are refusing to refund my money and have compromised my personal information with the imposter. 

I
Consumer complaint received 2024-10-25
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. (NY)

I am asking for your support with the incorrect account being listed on my credit report. This issue has been damaging to my reputation, and I need your help. Your handling of my credit report has negatively affected me, and the false reporting has done serious harm to my reputation. You must remove the incorrect details from my credit report.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

PayPal will not update my available credit, nor make this credit available to me after more than fifteen ( 15 ) days, despite my paying off the credit card in full last month. PayPal has no such waiting period when customers choose to make less than a full payment on an account. This unlawful credit card policy was put into place so as to deter customers from paying the full balance and avoiding the more than thirty ( 30+ ) percent in interest. Please take legal action against PayPal, administratively and/or otherwise, since U.S. law requires that all payments be immediate applied to existing debts, under the common law mailbox rule among other valid sources of law. PayPal already is on notice about the unlawfulness of failing to immediately credit all customer accounts : as evidenced by class actions that customers filed against this company when it colluded with XXXX to improperly withhold moneys that were owed to XXXX sellers that had fully performed under escrow contracts. Thanks.
Consumer complaint received 2023-04-15
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. (LA)

Experian XXXXXXXX XXXX improperly abusing my credit status. Shows late payment from 7 years ago in red right when report pops up incorrect over 7 years ago one parent missed I can not get credit apts nothing my score should be higher and not being addressed I called loan company 's I am not late.
Consumer complaint received 2023-08-14
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. (WI)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2023-09-01
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

I have Synchrony Bank set to Auto pay and have also manually attempted to make my monthly payments, but when I do it on the last day they repeatedly reject it and charged me a late fee until the point where they rejected it, made my account delinquent, and tanked my credit by XXXX. It's not my bank blocking the payment as they said either because I have used the account they have on record to make the payments previously.
Consumer complaint received 2023-08-13
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

On Friday XX/XX/2023, I awoke to an email alerting me that a dispute had been filed with another financial institution regarding a payment I had received on XX/XX/2023 through CashApp. The money involved in the previous transaction had been deducted from my account automatically and without authorization and supposedly returned to the account of the sender. I immediately contacted the sender and asked what was wrong. They replied that their account must be compromised and that they had opened their CashApp and noticed multiple unauthorized transactions. They claimed to be contacting CashApp through their support services to try and figure things out. The transaction refunded was for {$5.00}. Within hours I received two more emails claiming that two other transactions on XX/XX/XXXX and XX/XX/XXXX of 2023 were also being disputed and returned to the sender. By that time I had transferred my CashApp balance to my bank and locked my card only to discover that CashApp withdrew the money straight from my bank account, without my consent, to refund the supposed original sender. Both refunds were for {$20.00} each. I know the original payments were legit as they were for compensation of gas money, time and vehicle wear and tear for giving the sender a ride home when they did not have access to transportation at the time. So far I have been defrauded of {$45.00} total. {$5.00} from my CashApp balance and {$40.00} directly from my bank account through CashApp. After reaching out to CashApp support they said they could not comment and offered no help what so ever. It appears they are okay with facilitating fraud. On Monday, I will go to my bank branch to make them aware of this fraud and see if they can be of better assistance.
Consumer complaint received 2023-04-03
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: EQUIFAX, INC. (PR)

The Credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate? This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15U.S.C 1681 Section 604 A. States 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-06-14
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. (NJ)

Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A. 

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner. 

As of XX/XX/2023.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MI)

I made a transfer in of {$100.00} on Wednesday, XX/XX/2023 from my banking institution to Square ( Squareup.com ). I tried to use my card to purchase food at fast-food location and it was declined ; upon using my Squareup banking card. I checked the funds in the account and as of today, XX/XX/2023, I have a total of {$100.00} and the purchase was just over {$25.00}. Upon contacting the company, the first attempt, the representative stated she would have more info in 24 hours as to why my debit card wouldn't work. Later this evening, I then received an email stating that my funds will be held for 90 days. Around XXXX XXXX  I called and spoke with another representative and she said there was fraudulent activity on my account but couldn't explain to me what a fraudulent charge on my account was or is. There are a total of TWO transactions on this account in total and she couldn't explain. Therefore, my funds are being illegally with held as the company can not provide proof to their claim of fraudulent charges. Why are they being allowed to hold money from people just because they want to? This is illegal and I will make sure to share my experience with everyone so this will not happen to them. Also, I have the recorded audio from their representative not being able to give a reasonable explanation. I will be sure to share it on social media as well as XXXX.
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (IA)

On XX/XX/2023 My ending account balance was displayed on my mobile app as - {$110.00}. There was no record transactions the following day of XX/XX/2023. When I called Wells Fargo on XX/XX/2023. I was informed that on XX/XX/XXXX my balance was actually- {$1100.00}. After getting paid I proceeded to spend based of the shown amount on my mobile app which was not a accurate depiction. Which lead to a overdraft fee on my account.
Consumer complaint received 2024-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all Information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : Total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these XXXX mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2023-05-03
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. (TX)

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 XXXX, NC XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00}
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (TN)

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that isUNKNOWN to me : XXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC (TX)

I used my XXXX tuition assistance to cover my classes. After 2 years, the college, XXXX XXXX XXXX, never requested the funds be paid from the XXXX. I have zero ability to pay those classes through the XXXX system, as they are required to request the money for classes I've taken. Since they never did that, I am left with a hanging debt I was never responsible for. They then sent my owed amount to collections after I told them repeatedly they needed to request the money from the XXXX. This credit hit is extremely impactful to my security clearances and my general credit power as well.
Consumer complaint received 2017-09-11
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: Experian Information Solutions Inc. (NY)

EXPERIAN, XXXX AND one other credit bureau has my wife listed with her name and someone else 's name ; the latter an erroneous name. when she attempted to remove it by disputing the item they refused to dispute it although two phone numbers were disputed and slated for removal.