davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Zions Debt Holdings (PR)

Identity theft and did not recognize or gave permission on over 12 closed accounts that are adversely affecting my credit fico score.

DSPUTED FOR OVER 5 TIMES AND NO REMOVAL HAPPENED. 
These are the account details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ZIONS DEBT HOLDINGS 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 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 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 XXXXXXXX
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra (IL)

I received emails from Abra mentioning the shutdown of their app. I was unable to access my account, and I contacted them multiple times, before their app shutdown, in every way possible, and they never replied. I would like a statement of the XXXX I had held with their app and a full refund and resolution as I complied with their deadline but their team decided not to reply multiple times to my request for help accessing the account.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
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  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  Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  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 2022-12-12
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$170.00}, OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$330.00}, XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$190.00}, and XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$100.00}.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My info was sold and bought illegally because I was a victim of the Equifax datd breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit. Also I called Equifax in regards to clearing my debts multiple times, and Equifax did nothing to help me, and raise my credit score.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

JPMCB - CARD SERVICE Account type - Flexible Spending Credit Card Date opened - XXXX XXXX XXXX Address JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Above Account created under JPMCB - CARD SERVICE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2024-04-11
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. (TX)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IL)

As a customer of Discover credit card, I have always valued the competitive offerings, reliable services, and great customer service provided by the company. However, the news of its merger with XXXX XXXX has raised significant apprehensions among consumers like myself. 
I am worried about the potential reduction in competition resulting from this merger. With fewer players in the credit card market, consumers may face limited choices and less favorable terms when seeking credit products. This lack of competition could lead to increased interest rates, fees, and less flexibility in loan terms. We may also face stricter lending criteria and increased difficulty in securing loans, particularly for those vulnerable with less-than-perfect credit histories.

With the merger, there is also a risk of disruptions in service, longer wait times for customer support, and decreased responsiveness to customer inquiries and concerns as many of my friends complain about the outsourced customer service of XXXX XXXX credit cards.
Consumer complaint received 2024-04-11
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. (LA)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been unsuccessfully attempting to temporarily thaw my credit freeze with Transunion since XX/XX/21 through XX/XX/21. I have attempted to call with no success and attempted the online chat. Their customer service is atrocious and completely unproductive. The only reply I get online is " The Transunion Credit Freeze Service is temporarily unavailable ''. I had no problems thawing my credit with XXXX or XXXX. Thank you for any assistance you can provide.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX ( customer ) Wells Fargo Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for complaint On XXXX, Office of the Comptroller of the Currency, wrote XXXX XXXX a letter stating that the Consumer Financial Protection Bureau ( CFPB ) has jurisdiction and authority to resolve my complaints. 

Both banks actions were violated banking statutes, regulations and policies. 

Both banks committed grand theft, financial abuse of an elderly and disabled persons funds and life savings required for my basic needs and medical care. 

Wells Fargo Bank stole {$720000.00} from the checking account of XXXX XXXX. 

XXXX XXXX XXXXXXXX stole {$5500.00} from the checking account of XXXX XXXX. 

Wells Fargo Bank admits in a letter on XXXX, that my {$110000.00} was not wired. Wells Fargo claims my {$110000.00} was not deducted from my account. This is a lie. The XXXX wire transfer document shows the {$110000.00} was deducted from my account. 

I declare, my {$110000.00} was deducted from my account by Wells Fargo Bank and never refunded. 

Wells Fargo Bank stole my {$110000.00}. I have written proof. This is grand theft and financial abuse of an elderly and disabled persons funds required for my basic needs and medical care. 

I state the remainder of {$610000.00} was never wire transferred to anybody. Wells Fargo Bank stole my {$610000.00}. Wells Fargo Bank stole a total amount of {$720000.00} from my checking account. 

I declare, the remainder of {$610000.00} was deducted from my account by Wells Fargo Bank and never refunded. 

Wells Fargo committed grand theft. False and fabricated wire transfer documents were used to steal my {$720000.00}. This was my entire life savings used to pay for my basic needs and medical treatments. 

My and my familys pain and suffering is severe from Wells Fargo Bank and XXXX XXXX XXXXXXXX criminal behavior. 

I request that the CFPB order Wells Fargo Bank to refund me {$720000.00} plus lost 5 % interest from XXXX to present, IMMEDIATELY. 

I request that the CFPB order XXXX XXXX XXXXXXXX to refund me {$5500.00} plus 5 % interest from XXXX to present, IMMEDIATELY. 

Respectfully submitted. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Discovering an error implying a late payment on my account is troubling, especially given my history of consistently meeting payment deadlines. This discrepancy is causing undue stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-04-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sa-Vit Enterprises, Inc. (NJ)

Sa-vit collection agency has reported as of XX/XX/year> that I owe {$530.00} in unpaid medical debt. I have medical insurance and have always had it. I rarely have co pays so I have no idea where they are getting this balance from. I was never reached out to about this debt. Im pretty sure an administrative error occurred and my insurance was never processed. Instead of these employee doing the correct thing and submitting a claim through insurance, they are trying to get me to pay them hundreds of dollars. The original debt is from XXXX XXXX XXXX which the only thing I could have received was bloodwork. My bloodwork costs me nothing or XXXX dollars with my insurance so its very clear something sketchy is going on with these companys.
Consumer complaint received 2023-01-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

Equifax is refusing to follow federal law and honor my police report identifying a fraudulent account that only Equifax is reporting. Equifax before investigated the fraudulent account and removed it after a XXXX investigation from my credit report to now months later begin re-reporting the fraudulent account. 

Upon calling in Equifax to submit a " new '' police report ( because the old one that was used to remove the fraudulent account the first XXXX times is now expired ), social security card and id because everything expired from my original dispute that took 30 days and removed a fraudulent account from XXXX XXXXXXXX XXXX  XXXX XXXX. The Equifax representative said once received it would be removed again. Instead, it is still being reported, and I received a letter to mail from Equifax in response to the investigation to now mail-in in a copy of my drivers license and social security card ( both of these items were included in the first XXXX disputes ). This is stressful and exhausting the duration that it takes to correct fraudulent information from my credit report. 

Equifax is currently furnishing incorrect and fraudulent information on my credit report. As a background, Equifax investigated the fraudulent account on my credit report from XX/XX/22 to XX/XX/22. The results of the investigation were completed on XX/XX/22 and mailed to me indicating that the fraudulent account had been investigated, determined to be fraudulent and was removed from my credit profile. I was provided with confirmation number XXXX to confirm this and a new copy of my credit report without the fraudulent item no longer reporting. 

I am mailing in a copy of my social security card and drivers license in response to Equifax 's request and I am hoping that the fraudulent item can be removed for good this time as is a direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-09-21
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. (CA)

Someone used my social security number to try to apply for credit. 

XXXX 's XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-11
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. (IL)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

CAP ONE NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized and fraudulent
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (NY)

Exeter Finance was an account that was paid off back in XXXX. This account was reported on and is still on my credit report. This account was closed, and the company received their pay off for the vehicle that was financed. I would like this account removed from my credit report. Also if Exeter Finance disagree, I would like documents supporting that they have not been paid off for this loan sent to the address on file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX NY XXXX
Consumer complaint received 2024-04-11
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 reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshots inside this complaint in on dates of [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand these payments be updated to ''Paid as agreed on time '' as they should be due to the fact I was NEVER late. Thanks! 

Please see screenshots attached :
Consumer complaint received 2024-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have multiple inquires on my credit report that I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX 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 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (MD)

I received a letter XXXX from Roundpoint stating I failed to maintain insurance. The letter was sent before the insurance renewal date. I have never let my homeowner insurance lap. The fear made me pay my policy earlier. Roundpoint doubled down on intimidation with a letter in XXXX. Roundpoint letter stated a more expensive insurance and credit hit was coming. Why did all this happen, my zip code?