davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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: Open Dealer Exchange, LLC (NV)

On XX/XX/XXXX and XX/XX/year> I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXX XXXX westside on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXX westside dealership. I told him I was going through XXXX XXXX  my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (NV)

Was reported by XXXX and XXXX on XX/XX/XXXX and reported to XXXX on XX/XX/XXXX which is inaccurate information. The creditor type is also reported inaccurate.
Consumer complaint received 2024-08-09
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-19
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: CITIBANK, N.A. (TX)

I am a victim of identity theft. CBNA ( Citibank , North America ) has been furnishing an account to XXXX, opened by identity theft using my personal information after receiving a request to stop reporting this fraudulent identity theft account to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) and section 623 ( a ) ( 6 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ).

I did not open or authorize this account so it is therefore inaccurate. I previously notified CBNA that I am a victim of identity theft, and requested that CBNA do the following : 1. Close the unauthorized account, 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit files.

The identity theft account is as follows : Account number : XXXX ; Status : Charged Off ; Balance : {$1800.00} ; Date Opened : XX/XX/year> ; I have asked CBNA to please remove any charges on the unauthorized account, take steps to remove information about this account from my credit files, stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible, and to please send me a letter explaining your findings and actions. But I have not received a written response from them in over XXXX  days, which is a violation of section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (GA)

The information contained in your reporting to the credit reporting agencies are inaccurate and incorrect and has caused major harm to my character, general reputation, personal characteristics, and mode of living. The inaccuracies contained therein are a clear violation of my rights under the Fair Credit Reporting Act and the Privacy Act of 1974, as amended in 5 U.S. Code 552a.

The inaccuracy of account information is a violation of my rights under 15 U.S. Code 1681e.

The reporting of a charge-off is a violation of my rights under 15 U.S. Code 1681c.

Per the IRS publication on income reporting : charge-offs are considered income. Income can not be reported to my credit file. 
The reporting of transaction history is a violation of my rights under 15 U.S. Code 1681a.

As such, I am now invoking my right as a federally protected consumer, to opt out of all authorization of reporting I, the consumer, may have given you whether written, un-written, verbal, and/or non-verbal per 15 U.S. Code 6802.
Consumer complaint received 2023-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (LA)

Netcredit is chargeing 99.98 % interest rate on a {$1500.00} online loan. I was told the cap in Louisiana is 12 % to 36 %. I have been making payments since XX/XX/ and the balance is still {$1500.00}. Nothing has been applied to my principal.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

We bank with Wells Fargo with a business account. When depositing a check from a government agency, Wells said they would hold the check XXXX weeks. We told them they could not do that as I researched the legal process on check holds. Since it was the only bank we were banking with, we deposited it hoping for a quicker turn time. As of Friday XX/XX/XXXX, the funds were not available, and it was the end of the XXXX business day. We opened an account last week with a different bank which cashed another check from the school district in XXXX hours. We have been told this XXXX week hold many times by Wells Fargo. It mattered this time as the school was late in paying and we needed the cash for payroll.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

After I called XXXX to have information updated on credit report they advised the new loan servicer, XXXX, is to provided that information. When you call XXXX and enter my social security number it indicates balances paid in full. When you call XXXX, it indicates balances paid in full. XXXX provided me with a letter, Balances paid in full. Ive have disputed with Experian at least XXXX times and they provide me with dispute completed and updated with a statement that servicer disagrees and I know that is not true because if you call XXXX XXXXXXXX XXXX it indicates balance paid in full. Experian is being lazy and I need the information on the report to read EXACTLY like the information XXXX has on my experian report.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

There was an account opened without my consent or knowledge by a bank representative and my ex wife in which XXXX XXXX Worth of my unemployment checks were cashed Recently in XXXX I spoke to Wells Fargo and was told they would look into this XXXX months later I get a letter saying that nothing like that happened referring to a recent account that I opened to deposit a settlement check they issued on a different matter. I told wells Fargo department of unemployment had copies of the cashed checks along with affidavids and fraud and that if needed I would get some or a copy they said no well I've been getting the run around like this from the begining. And no help at all I sent wells Fargo regarding this also but never got a response this fraudulent account was opened around XXXX and so far no one has been able to help and I don't have money for an attorney and for the record this was the reason I filed my divorce
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX  data breach. I want these items Deleted from my credit reports effective immediately. XXXX XXXX XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2023-12-21
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
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. (OH)

The credit bureaus stated my account was properly investigated! But how is that if the open date is Inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This grounds for removal! Also violating my rights under code 15 U.S.C 1681 section 602A stating I have the right to privacy.

Code 15 U.S.C 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

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 EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts 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 ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

Ive just reviewed my credit report and noticed the following inaccurate item ( s ) : XXXX XXXX  with account number XXXX This account is listed as being 30 days late. I recently contacted that company regarding this matter and was informed by representative that I was automatically signed up for security card protection which was an extra {$160.00} in top of monthly payment. This was causing my monthly payments to increase and adding interest. However, I did not agree to enroll in the program nor did have any knowledge that i was enrolled into the program. I agreed to pay the full balance within 12 months with no interest. This my first time using care credit. I am requesting a goodwill adjustment to remove this late payment from my XXXX, XXXX, and XXXX credit reports. 

I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment. Thank you for your consideration, and I hope you'll approve my request.
Consumer complaint received 2024-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

I am writing to seek your assistance regarding a financial transaction that has remained unresolved for an extended period. This issue involves a transfer of funds between Wells Fargo and XXXX XXXX, which has been pending since XX/XX/year>. Transaction Details : Sender 's Bank : Wells Fargo Recipient 's Bank : XXXX XXXX  Amount : {$1000.00} USD Date of Transaction : XX/XX/year> Confirmation Number : XXXX The transaction was initiated by XXXX XXXX XXXX : XXXX, who is a customer of Wells Fargo, intending to transfer {$1000.00} to my account at XXXX XXXX. Despite the lapse of a considerable time since the initiation date, the status of this transaction remains 'pending. ' As a result, the funds have not been credited to my account.
Consumer complaint received 2024-02-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (RI)

As described in a previous complaint the company did not afford me the opportunity to rectify a payment that was not processed by the bank before writing my loan off and sending for repossession they sent me email confirmation of payment never a notification that that payment did not go through. At a later date when trying to make a payment the agent on the phone told me if I payed the past due balance in full my loan would resume as normal I then made a XXXX XXXX payment to only find out after making the payment that my loan would never resume as normal and that it would now remain in collections. I am under the impression that it is illegal for an agent to lie to a customer over the phone? I then asked to speak to a supervisor and was refused by the agent to speak to one and then the agent stayed on the line without speaking essentially ignoring all request for long periods of time. A complaint was filled against the agent which I never received follow up. When trying to call the recovery unit no one answers the phone during normal business hours making it extremely difficult to gather information or make payments. When I called the main bank the agent on the line was also unable to reach the recovery unit. In the previous complaint the company never address several issues about notifying me prior to write off or repossession. Still no supervisory agent from the bank has personally contacted me from the recovery department to speak to me.
Consumer complaint received 2024-04-13
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-08-09
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. (NY)

Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation. 
( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-04-13
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-04-13
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. (TN)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXXXXXX 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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-04-13
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. (TN)

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 - Account number XXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX ) XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX ) XXXX XXXX  Account number XXXX XXXX ) XXXX  XXXX - Account number XXXX XXXX ) XXXX  XXXX - Account number XXXX XXXX XXXX XXXX XXXXXXXX - Account number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX, XXXX  - Account number XXXX XXXX ) XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX - Account number XXXX All accounts listed above have violated my rights under 15 USC 1681, 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years, 15 USC 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 2024-04-13
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. (FL)

I've been a victim of fraud some one was able to obtain a loan on my behalf with the bank i was banking with and also open credit card under my name LOAN : XXXX XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged XXXX. {$3600.00} written XXXX. {$3400.00} past due as of XXXX XXXX. 
Status Updated XX/XX/XXXX Balance {$3400.00} Balance Updated XX/XX/XXXX Recent Payment CREDIT CARD XXXX  XXXX POTENTIALLY NEGATIVE Date Opened XX/XX/XXXX Balance {$830.00} Status Account charged XXXX. {$830.00} written XXXX. {$830.00} past due as of XX/XX/XXXX 2024