davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I received a phone call from my bank ( Wells Fargo ) asking if I had made the following transactions : Money Transfer Authorized on XX/XX/XXXXXXXX XXXX XXXX Balance XXXX CA XXXX ( XXXX ) card XXXX {$400.00} Money Transfer Authorized on XX/XX/XXXXXXXX XXXX XXXX Balance XXXX CA XXXX ( XXXX ) card XXXX {$1900.00} Money Transfer Authorized on XX/XX/XXXX XXXX XXXX Balance XXXX CA XXXX ( XXXX ) card XXXX {$2000.00} I told them I DID NOT authorize any of those charges. I had been traveling and using my card at gas stations etc. I filed a claim with both Wells Fargo and XXXX XXXX and they were both denied. I escalated the issue to no avail. I filed a police report but haven't received any updates. I have been with WF for nearly 20 years and if you look at my statements I barely spend that kind of money in a month, let alone in one day. I'm so distraught. Please help!
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

When applying for a loan with XXXX XXXX XXXX on XX/XX/XXXX, I was informed of a delinquent balance in the amount of {$270.00} in XX/XX/XXXX from XXXX XXXX XXXX. XXXX XXXX confirmed there was no outstanding balance owed and no history of delinquency at any residence within the last several years. This delinquency according XXXX is negatively impacting my credit score. XXXX utilizes Equifax to pull credit for prospective borrowers, therefore XXXX explained it was Equifax who had provided them with this information, which we were not able to get a copy of per their contract with Equifax. Upon speaking with Equifax there is no such delinquency, and my credit score was XXXX not the XXXX score XXXX is reporting from Equifax. To ensure the accuracy of XXXX 's information, I pulled a credit report from all three credit bureaus which confirmed no such delinquency. When speaking to Equifax, they blamed XXXX for the discrepancy. When talking with XXXX, they said I need to work with Equifax to get it resolved. Essentially these XXXX companies are pointing fingers at each other and there will be no resolution without the help of a XXXX  party.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I requested my credit report from Equifax using XXXX and I was given an error code NH. I then called Equifax asking them to please unlock my credit report so that I have access and they told me to send in proof of verification that I am who I say I am. On XX/XX/2024 I sent a copy of my Drivers License, a notorized letter verifying my identity with my Drivers License, a copy of my bank statement, and a copy of my ssn card. I received a response late XXXX of this year stating that I must verify my identity again. Please help
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-13
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. (TX)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions made by me the consumer. This block is not being made in error, or on a basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself.
Consumer complaint received 2024-09-15
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. (FL)

I am formally requesting an investigation into XXXX XXXX for conducting unauthorized hard inquiries on my credit file without my consent. I have never signed any application or given authorization for these hard inquiries to be made. Despite multiple requests, XXXX XXXX has failed to provide any proof of my authorization for these actions, such as a signed application or a contract along with my valid drivers license. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 unauthorized hard inquiries have raised serious concerns regarding XXXX XXXX compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a permissible purpose for accessing and reporting consumer credit information. These actions have negatively impacted my credit score and financial standing, causing significant hardship. I have not provided any entity with the authority to access or pull my credit, and XXXX XXXX failure to comply with FCRA regulations has caused undue harm to my credit standing. I respectfully request that the CFPB investigate XXXX XXXX XXXX, hold them accountable for their failure to comply with the law, and take immediate action to remove these unauthorized hard inquiries from my credit report. Additionally, I have repeatedly communicated my concerns to XXXX XXXX, including sending notarized documents via first-class mail, yet they continue to ignore my requests and subject me to XXXX XXXX  through these unauthorized actions. I need verifiable proof of who initiated these hard inquiries, along with proof of identity, to confirm who authorized them. Please investigate this matter thoroughly and ensure that these illegitimate inquiries are removed from my credit file immediately.
Consumer complaint received 2024-05-13
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. (NE)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm disputing and investigating these wrongly reported accounts on my credit file. According to the Fair Credit Report Act, I should get {$1000.00} for each mistake. The FCRA 605B says we must report any incorrect accounts on a consumer 's report.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

In XX/XX/XXXX, Equifax announced a data breach that exposed the personal data of hundreds of millions of people. The company agreed to a settlement to help those affected by the data breach. I filed a claim with Equifax on XX/XX/XXXX. I have proven I am a victim yet it has been XXXX  months and they still have no t compensated me. I have sent them multiple communications asking them what I can do to expedite the process and they provided no legitimate answer. I asked them why it has been taking so long, and they have provided no legitimate answer.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Would you please check the documents? FCRA 605B mandates the removal of any incorrect accounts from my credit report. Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Consumer complaint received 2024-05-13
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. 
XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 2024-05-12
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. (TX)

XXXX, XXXX and XXXX Credit Repirting Companies via EXPERIAN.COM member paid online App, charging {$2400.00} a month subscription charged to my debit card monthly, Experian has quite a Monopoly in progress in 2024 Experian sells us Consumers a " Credit Monitoring '' annual/monthly subscription for {$24.00} a month including access on EXOERIAN APP XXXX XXXX and XXXX real time reports. Experian on APP promotes for Large U.S. Banks Credit cards, Secured Credit Cards, Car insurance for XXXX, XXXX, XXXX, Home and life insurance, Loan companies based on each consumers paid subscription Credit XXXX score. EXPETIAN, also uses XXXX XXXX APP to access you as Consumer Subscriber access XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX and dozens of U.S. and State Licensed Banks and local and XXXX XXXX XXXX. As a Consumer paid Subscriber 2 Experian APP, These Banks, Credit Unions, Utility Companies, Licensed Hone, Auto, LIFE Indurers, Credit Cards with XXXX  Corporate Licensed services logo, these Vompanies pay Huge US Dollar DATA BROKERAGE personal Consumer info sharing and selling with EXPERIAN Corporation unknown to most Expetian paid member subscribers 24/7. XXXX and XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX all pay to and get paid Via XXXX to sell Customers 24/7 activity in there own local U.S. city they live in to XXXX who sells to Big Banks etc to solocit more Crefit products via Consumers online Algorithm and XXXX Search engine activities. 
Also XXXX admittedly via has a NEW 3 tier 3 Credit bureau private Mortgage , Auto Loan, And Credit Card XXXX score most US Consumers Un aware of. So if you as XXXX Customer see your Expetian Score on EXPERIAN VAPP on XX/XX/2024 as a XXXX, u scroll down to bottom of APP at click on Auto, Mortgage, XXXX score and it will show i.e. your Auto Loan EXpetian score to XXXX Companies as only a XXXX for example, sane as Nirtgage Score worthiness to a XXXX XXXX XXXX Mortgage underwriter gets Expetian score for you of XXXX For XXXX, not your visible Consumer score time. Of XXXX. This XXXX Score Manipulation is Not Legally US Legislated currently. Lenders and Expetian, XXXX and XXXX XXXX pay each other Millions in US Dollars to use thus Score system to charge higher interest or deny many Consumer XXXX products. Also EXPERIAN now uses XXXX  number identifier XXXX XXXX XXXX XXXX specifically is a Score Factor visible to Banks via EXPERIAN which collects andxsells this XXXX  XXXX category on you as a Consumer via your 3 Credit bureau XXXXcore so Banks/Credit Unions/Lenders can pay EXPETIAN money to have full 24/7 data Brokerage and Algorithm real time via you as Consumer XXXX
Consumer complaint received 2024-05-13
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. (NY)

I am writing this letter in reference to my previous dispute submitted to your agency. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved and unverified negative items from my credit report. As a responsible consumer, I have diligently monitored my credit history, and I find it incredibly distressing to see my efforts undermined by the persistence of these entries.
Consumer complaint received 2024-05-13
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. (GA)

I checked my consumer report regarding the XXXXXXXX XXXX XXXX today of XX/XX/2024 and noticed a credit reporting agency reported on my credit without my written instruction. I gave them refusal to pay and no written instruction to furnish my credit report using my information. This is the second time after it has already been removed. Nothing is supposed to be on my credit report as the The law states 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything blacks law 4 edition title 1692 as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.im also sending a tire bill immediately if this isnt resolved asap. Delete and remove immediately and follow the laws set in place by congress I have sent over a true bill and would like a resolution asap. I shouldnt have to wait to move forward in life do to your negligence. Remove account.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I am writing to dispute the accuracy of information on my credit report. Upon reviewing my report, I discovered two accounts that appear to be fraudulent and not authorized by me. The accounts in question are as follows : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit Card Balance : {$100.00} ( as of XXXX XXXX, XXXX ) Credit Limit : {$700.00} Status : Closed Payment History : Account is shown as closed with no late payments XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit Card Balance : {$740.00} ( as of XX/XX/XXXX ) Credit Limit : {$750.00} Status : Open Payment History : Account is shown as open with no late payments I have never initiated or authorized the opening of these accounts. Therefore, I request that they be investigated and promptly removed from my credit report. 

Moreover, the account information provided for the TBOM/CONTFIN account includes a statement regarding the normal discrepancy between the balance reported and the balance on the credit card statement. While I understand this practice, I would like to emphasize that the reported balance of {$740.00} significantly exceeds any balance I have ever held on a credit card. This raises concerns about the accuracy and legitimacy of the reported information. 

Furthermore, I assert my rights under the Fair Credit Reporting Act ( FCRA ) and demand that these accounts be thoroughly investigated and removed from my credit report within the legally mandated timeframe. I have enclosed a copy of my police report documenting the fraudulent activity for your reference. 

Please provide written confirmation once these fraudulent accounts have been removed from my credit report. Additionally, please inform me of any further steps I need to take to ensure the integrity of my credit profile. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

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 2024-05-31
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 XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account 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 2023-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OR)

On XX/XX/XXXX I received an email solicitation from Citibank, with Invitation Code : XXXX, to open a Citi Accelerate Online Savings Account and receive a bonus if deposit minimums were met for a period of time. 

On XX/XX/XXXX I followed through with the Citibank email offer and opened a a Citi Accelerate Online Savings Account. 

I also deposited new-to-Citibank funds in the amount of $ XXXX into that account and kept that amount in that account for the period of time to meet the bonus requirements, which was, make the required minimum deposit within 20 days of opening your account and maintain the required minimum balance for an additional XXXX consecutive days. 

On XX/XX/XXXX I called Citibank looking for my {$450.00} bonus that was overdue and was informed after filing a dispute, that I was not eligible for the bonus due to my account type. 

I do not agree with their decision since I followed their solicitation to open the account under the promotion that they presented to me. 


Parts of the Citibank email to me contain verbiage similar to the below : " As a cardmember, you can save fast and open a Citi Accelerate Online Savings Account with easy signup. 

Citi Logo XXXX XXXX XXXX since : XXXX | Account ending in : XXXX Citi XXXX XXXX XXXX Earn up to a {$450.00} bonus* plus grow your savings with a 3.85 % annual percentage yield* XXXX  as a Citi cardmember XXXX you already get benefits like acceptance at over XXXX XXXX locations and {$0.00} Liability on unauthorized charges. Now you can grow your savings fast with this special offer too. Reach your savings goals fast with a Citi Accelerate Online Savings Account. Earn a cash bonus of up to {$450.00} after completing required activities + Grow your savings with a XXXX XXXX annual percentage yield* Save at XXXX the national average rate when you open a Citi Accelerate Online Savings Account - there's no initial minimum deposit required to get started. 

As a loyal Citi cardmember, you can earn a {$150.00} or {$450.00} bonus with this offer. Make the required minimum deposit within 20 days of opening your account and maintain the required minimum balance for an additional XXXX consecutive days. 

Minimum Deposit & Minimum Balance Cash Bonus {$20000.00} - {$49000.00} {$150.00} {$50000.00} or more {$450.00} Your Bonus will be paid to your Savings Account within 30 days after you successfully complete all required activities. 

Best of all, it's never been easier to get started open an account online with easy signup. 

Apply Now *See Terms and Conditions Invitation Code : XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On this account, I have always made sure that payments are timely, never letting them become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. Corrections should be made as per 15 USC 1666b - Billing Error.
Consumer complaint received 2024-09-15
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming a third party. They in fact did not come form a third party. I even called them to verify it was me and they refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not throughly investigate.