davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-28
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. (MD)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-28
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: EQUIFAX, INC. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-10-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (WA)

I have had a PayPal credit card for the last 8 years. I have my XXXX boys on the card as additional users. I have paid this card on time each month since I got this card. 
This month ( XX/XX/XXXX ) my son got a notification from one of the credit bureaus that his credit rating had been negatively affected. We researched this because our credit has been excellent and it turned out that the PayPal Credit card had reduced our credit limit so that in turn impacted our credit rating. I called the Paypal credit card number XX/XX/XXXX and again XX/XX/XXXX. I asked them why my credit limit had been reduced so much ( XXXX to XXXX ) and asked them to bring it back up. I explained that Ive had 8 years of service with them, that Id made all payments in a timely fashion and that they had negatively affected my and my sons credit scores by reducing the credit limit. They said they could not increase the limit. They said I shouldve gotten a letter warning me they were going to reduce the limit ( I did not ) and that I would get a letter in the mail letting me know how I could challenge this decision. They eventually emailed me telling me I could not increase my credit limit because I have not used my credit card enough. This is ridiculous as Ive had this card for 8 years and have used consistently over the last many years. And if they had sent a letter warning me that this would happen, I wouldve increased my usage in order to keep my credit limit where it was. They was no place on the letter to reach out and question this decision. 
I have since researched this issue on the internet and have found this to be a pretty common issue with the PayPal credit card company. 
Please help me reach out to them to let them know that I did not get a warning letter from them regarding the lowering of my credit limit. Please also remind them that we have given them our services for the last eight years and have always paid on time. 
Let them know I have tried to reach out to them and have not been able to solve this problem. 
I would like my credit limit raised back to its original amount of XXXX. I would like them to know that I will increase my usage of the credit card if this will help keep my limit at XXXX. 
Thank you.
Consumer complaint received 2024-08-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (TX)

I notice suspicious {$150.00} charge from XXXX on my account XXXX XXXX XXXX XXXX. 
I called US Bank regarding this issue and was transferred to security. I spoke to someone named XXXX on XX/XX/2024. 
She said she needed to verify and sent me one time code to my cell phone number on file where I verified the code and bunch of security questions.

From the beginning, she gave me the attitude that she wanted to hear only what she wanted to hear. 
I answered all her security questions. She expected me to answer wrong, but unfortunately, I did answer her security questions correctly, she still blocked my card for no reason. She also mentioned that someone else will call in with in 48 hours, but no one called until now. I was falsely accused of XXXX XXXX  by US Bank as I had a different voice.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I opened an account at Wells Fargo. I just deposited XXXX dollars to open the account. Everything went well was given my information. I was showed how to add a digital card to my digital wallet. I then went home to get my refund checks from the State and Federal government. I had multiple checks because I did my taxes for the past three years together. I also had a check from work. I then went to deposit the checks to an atm. This was my mistake because this is where everything went wrong. It took three of the checks but it it said that the other four need to be verified. That did I want to continue. The decision would be mailed to me within a week. I thought it was werid so I just deposited the three it accepted. I then tried again to deposit three without my work check. It said the same thing. Since I knew they were real and had money I said okay to deposit them. I could wait there was no rush. I got my reciepts and went home. When I looked at my account on the app later they said they were going to close it for suspsicous activity. That the checks looked altered or suspicious. Which is not the case. I called that night and was transfered but that department was closed. I called in the morning and was told I could not reopen the account or ever get an account with Wells Fargo. That they had " verified '' that those checks had no money. I told them opening an account to cash the checks was my whole reason for opening an account in the first place. I was told to contact the state and or IRS. I asked for the information on the checks they deemed " altered ''. They would not give it to me. I was told to have a good day.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX is reporting on both Experian and XXXX information that shows inaccurate and conflicting information. Not only have I been shown any information verifying the account does belong to me and not my adult son, but I have yet to see any payment history, any documents with my name on them, or any proof this is actually my account. 
Also, the information being reported by both, is different! They both have two different open dates, and two different active dates. They can both be wrong, but they both can't be right! 

Please remove this account from my credit report, as it is hurting my score. If you are unable to verify and report XXXX percent accurate reports, I want them removed.
Consumer complaint received 2024-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (FL)

I, XXXX XXXX, was in an car accident XX/XX/year>. 
I currently have my vehicle financed by ALLY FINANCIAL. I have been calling them since XX/XX/year> to informed them the car is totaled. I also have XXXX coverage on the vehicle as well with XXXX XXXX 

I contacted XXXX XXXX who stated they tried reaching out to ALLY FINANCIAL and requested information. They stated they still have not received a COMPLETE PAYMENT LEDGER that includes the beginning, running, and ending balance. I took it upon myself to reach out to ALLY FINANCIAL and still after several attempts i still have yet to receive this information. 

Without this information XXXX XXXX is unable to process my claim and i have been forced to pay 2 month for my car note which is not operatable. 

Im asking that you please help me.
Consumer complaint received 2024-07-26
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. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with the company and i was never late! I have had exceptional payment history with this company 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 in MONTHS REPORTING LATE to be removed 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.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

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! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-05-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (FL)

This account has been fully discharged and satisfied. I never had a contract with Shellpoint. They have never been authorized to access the SSN. I never gave them a SSN. That is Identity theft. Further, pursuant to 15 U.S. Code 1681c, no adverse information other than convictions of crimes is to be reported on the credit report. They have no authority whatsoever to mar my credit reporting. They are to pay all taxes owed to the IRS.
Consumer complaint received 2023-04-12
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. (LA)

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 2024-07-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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 Name : XXXX Account Name : XXXX XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX  : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX Account Name XXXX XXXX XXXXXXXX : Account Name : XXXX Account Name : XXXX : Account Name : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2024-07-13
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. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 2024-07-13
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. (VA)

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.

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 2024-07-13
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. (VA)

CFPB, I fill that XXXX, EQUIFAX are giving me the run around about the XXXX XXXX XXXX account. Again I've disputed this account XXXX times XXXX XXXX the phone and XXXX on there website both of these companies are interfering with my personal life, and I'm not happy about. CFPB, I did a dispute over the phone with XXXX and they removed the XXXX XXXX XXXX  account from my credit report because XXXX, understood losing my job during the XXXX CRISIS wasn't my fault again how could anyone pay bills if they don't have a job. That's what's going on in the world today is judgement and I fill that both companies are judging me, and I see it clearly. CFPB I will upload screenshots of XXXX deleting that XXXX XXXX XXXX ACCOUNT.
Consumer complaint received 2024-07-17
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 am writing to formally exercise my consumer right under 15 USC 6802 to opt out of any information sharing by XXXX XXXX XXXX of XXXX. 

Additionally, I would like to address an important matter regarding my account, which has been charged off. Despite this, I have not received a Form XXXX ( XXXX XXXX  XXXX ) from your company. This omission has resulted in inaccurate reporting of my account status. Therefore, I request that this account be deleted from your records to reflect its accurate status. 

Please confirm in writing once this request has been processed. If you require any further information or documentation from me, please do not hesitate to contact me at the phone number or email provided above.
Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (OH)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-12
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: EQUIFAX, INC. (NJ)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-07-12
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. (FL)

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 Number : XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX  Account Name : XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX Account Number : XXXX  XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Number : XXXX Account Name : 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.