davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-27
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. (OH)

I, XXXX XXXX, XXXX, am acting on my own as a natural person and consumer. There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Please delete these items listed below IMMEDIATELY! 
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  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what I am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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 Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a 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.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (TX)

This company refused to help me in my hard time, when the automatic line said they will help with hard times. They refused to help me even a little. Then they closed my account, and threaten to sue me and now the account was sold to collectors and written off
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY ()

Urgent Request : Restoration of Online Banking Access and Resolution of Transfer Issue Dear CFPB Team, I hope this message finds you well. I am writing to inform you of a serious issue I have been experiencing with my account, and I kindly request your immediate assistance. 

During the early days of XX/XX/XXXX, I contacted Wells Fargo support line at least three times to ask the following : I intended to transfer USD XXXX to another person at a different bank in the U.S. I specifically asked if I needed to take any additional steps, activate any services, or notify a specific department to ensure the transaction would go smoothly and be recognized as legitimate and properly authorized. 

I also inquired about the fees associated with the transfer, both on my end and on the recipients end. 

The responses I received were consistent : I was told that no additional actions were necessary, that I should simply register the recipients account, and that there would be no issues since it was a wire transfer and nothing else was required to move my money without any problems. 
Regarding the fees, I received varying information : some operators mentioned a fee of USD XXXX, others USD XXXX, and some said there would be no fee. 

On XX/XX/XXXX, trusting the information provided by your support agents, I proceeded to make the transfer. However, immediately after initiating the transaction, all my online banking access was blocked, marking the beginning of an extremely frustrating experience that continues to this day. 

After numerous attempts to resolve the issue, I was finally connected with a supervisor named XXXX. He informed me that since the account is joint, we could create a user profile in my name and complete the transfer while he was on the line. Following his instructions, I created the user, added the recipients account, and attempted the transfer. However, my online banking access was once again blocked and remains inaccessible to this day. 

Since then, I have been unable to view my account balances, access any of my accounts, or complete the payment I initially intended to make. In an effort to resolve this, we executed a notarized Power of Attorney ( POA ) in favor of my wifes uncle, who is in XXXX, Virginia, USA. He submitted the XXXX at a Wells Fargo office, but within XXXX minutes, we received a response indicating that the request had been denied without any explanation. 

Every time I call to request the unlocking of my account and my wifes, I am told that I need to visit a branch in person. Unfortunately, this is impossible for us at the moment, as we are Venezuelan citizens living in XXXX, XXXX. Our U.S. visas have expired, and our renewal appointment is not until XX/XX/XXXX. As you can imagine, this has created an extremely difficult situation that we did everything possible to avoid from the start. 

This is the first time we have had any issues with the bank in over 10 years as loyal customers.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
( XXXX ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' : for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-05-26
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. (NJ)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2024-06-04
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. (MS)

I have provided proof of eight specific inaccuracies in my report. While I anticipate that some may be corrected, I believe Experian will unjustly refuse to remove others. This selective removal is unfair and detrimental to me as a consumer.

Due to these inaccuracies, I have suffered financial damage. I was denied credit and had to request XXXX XXXX to reissue new cards because they were sent to an incorrect address reported by Experian. This erroneous information is not reported by any other credit reporting agency. 

The delay in receiving my business credit cards from XXXX XXXX by XX/XX/year>, caused significant financial hardship for both my business and my employees. I am seeking compensation of {$5000.00} for each of the eight inaccuracies listed in this complaint, totaling {$40000.00}. 

I respectfully request the CFPB to investigate this matter and hold Experian accountable for their negligence and the financial harm caused to me.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with ( XXXX, XXXX CARD ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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. 


( XXXX, XXXX CARD ) 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 2023-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/ I was trying to pay for groceries, but Chase Bank put my account on hold without letting me know what happened. I called Chase and they said I filed 7 claims ranging of amount of money. I informed Chase I did not file any claim or even called them. Never had to file a claim. I asked Chase how did someone file a claim when I never was notified either by text or call? I asked them did they ask " personal questions '' file a claim and they could not answer that question. I was not able to access my money for almost a month due to Chase have to do an investigation. I could not get any money to get to work, renew my license for work or even go to my appointments. I had to borrow money from coworkers so I was able to go to work. I almost lost my job. Now Chase said I owe them almost XXXX How do I owe them money when they never verified if that was me who called. I even do not even knew I can file a claim so how can that be me. Since my account was compromised my account was on hold. I took my money out of Chase and went to another bank. I have been with Chase for over 15 years and now they keep calling me to ask when can I pay my debt? Can I sue Chase for compromised account and them allowing someone filing a claim without my permission?
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

The Current address is not accurate. Please help and fix this. Inaccurate previous address. Requesting for an investigation. 
XXXX XXXX : XXXX : XXXX XXXX : The field is inaccurate and inconsistent with fields from other bureaus. Please investigate and correct the item. Last Verified : A potential discrepancy in the credit report is evident as it doesn't align with other reports. Please verify this, and if necessary, amend it. Date of Last Activity : Possible inaccuracies are present in the credit report for this field. Take the necessary steps to resolve the issue that has been raised. Date Reported : I'm contesting the information in this field because I need you to follow the law and ensure that it is currently 100 % correct, even when it seems to be different from the other bureaus. Please conduct your research and provide me with updated facts. Date Opened : The data reporting for this field poses an issue due to its inaccuracies. Eradicate all mistakes. Closed Date : There appears to be an error in this segment of my credit report as it contrasts with other reports. I kindly request you to examine and address the matter in question. Account Rating : The field provided is misleading and does not align with the reports from the other bureaus. Please ensure that you thoroughly inspect and remedy any errors. Comments : Possible errors exist in this field located on my credit report. I demand that the cited problem be resolved. Account XXXX : This field evidently has issues that need resolution. I'm insisting on the immediate amendment of this item. 
XXXX XXXX XXXX XXXXXXXX : XXXX XXXX : Given the way the credit information is presented, it is deemed imprecise. Make the necessary adjustment as soon as possible. Date of Last Activity : The credit report displayed a field inaccurately, differing from reports of other bureaus. Investigate the information in question and correct accordingly. Date Opened : The field 's information is misleading because it is inaccurate. Correct this field. 
Under the FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy its been over 30 days with the dispute theyve Violated my rights and I would like these deleted.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite sending letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

Today I contacted y'all dispute department about my claim Date,XX/XX/XXXXTransaction. PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX CA XXXX CARD XXXXAmount, $ XXXXClaim Number,XXXXStatus : Closed because I never received my refund check in the mail yet I told. She told me that I would decide in the mail in 10 days because she will have someone look at it. I told her what the other agent told me last month that she will have them send me a check in the mail for {$9.00}, and my claim was approved because she couldn't refund it back to my account. After all, my wells Fargo account is closed.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

i sent letters to XXXX, XXXX, and experian about reporting inaccurate information on my credit report, and requesting that they delete the item from my credit report, per 15 usc 1681s-2b. This is really effecting my judgement and XXXX because i can't get things with my credit.
Consumer complaint received 2024-05-26
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. (WI)

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 2024-05-27
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: Experian Information Solutions 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 XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-27
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: Experian Information Solutions Inc. (MN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-27
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: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.