davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Equifax Fraud Department XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have also filed a police report with the XXXX XXXX XXXX  XXXX precinct the police report number is XXXX. 

XXXXXXXX XXXX XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX XXXXXXXX {$180.00} XXXXXXXX XXXX XXXX XXXX  {$490.00} XXXX XXXX {$0.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX  XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-03
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)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IA)

Our Business Paypal account was shut down without reason. They were unable to disclose why. There was a balance of {$1600.00} that they are refusing to release. 
XX/XX/XXXX XXXX funds were accepted XX/XX/XXXX and email was sent saying they were reviewing and shutting down our account and funds would be held for 120days. 
XX/XX/XXXX I recived emails that our funds were available. i went on the account and an error occured when trying to recieve funds. 
XX/XX/XXXX the account says it will not be able to release the funds till XX/XX/. 

I am a XXXX XXXX XXXX  of 10 years. We just opened an online store and linked our paypal account to it. Our regular cutomers used this site and paypal to purchase hair products. they chose in store pickup. Our customers all have came to pickup their goods. But we have not recieived any funds for the goods. Paypal is holding it without reason. 
They have not reached out to any of our customers to confirm our business or recipet of goods. th Paypal has not contact number and their online help leads to nowhere. We are a small business and they are holding our money hostage. I have read many articles that they will keep the remaining balance as a 'fee '. 

HELP! This should be illegal.
Consumer complaint received 2024-06-08
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. (GA)

XXXX XXXX  and XXXX XXXX XXXX XXXX has used my identity to establish these accounts with out my authorization, these accounts is fraudulent, i did not open this account and i want it removed from my credit report, my information has been leaked on thr dark web and it has been used to open numerous accounts in my name, i have reported this to thr sheriffs department, if this account is not removed i will send a letter of intent to sur in court or by arbitration by thff to companies expense, i do not tolerate my information being used fraudulently to open any accounts in my name, i have tried numerous of times to talk to both companies they have failed to recognize with information i sent them i an a victim of identity theft and my information is being used and stolen by someone, please remove these accounts experian and XXXX has failed to delete these accounts they have damaged my information and life i am a veteran im being taking advantage of please remove account As of now im also requesting that the CFPB request for a notarized affidavit that has all the information that was sent to Experian and to XXXX as saying information was valid, because nothing was giving to me, under the law fair credit reporting stated that the information needs to be provided and processed to the individual requesting such information and documentation that has never happened so please remove and I demand that these accounts be removed immediately
Consumer complaint received 2024-07-03
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)

This is my second endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX APT XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$78.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$130.00XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed XXXX {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance Owed : {$78.00XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$130.00}
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are a lot of errors being reported on my credit which significantly impedes my financial freedom. I continue to face rejections for new credit applications due to these inaccuracies. It is so frustrating that my consumer rights are being violated in this manner.
Consumer complaint received 2024-07-04
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. (FL)

I have asked and disputed with the credit reporting agencies multiple times to provide info on a few collections showing on my credit report. The collection agency always comes back with the info is correct yet the original creditor XXXX can not validate I owe them any money. I have called XXXX multiple times and they show I have a XXXX balance yet are unable to provide me with a letter stating so. 

There is also XXXX XXXX XXXX that shows the original creditor being another collection agency. XXXX XXXX XXXX XXXX I have never owed either of these companies money and having tried multiple times to dispute this, they provide me no info and the repositories also provide no info other than that the agency verified as correct. I have no idea who the original creditor could be.
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding their mishandling of a dispute on my account. My experience with Wells Fargo has been frustrating and unsatisfactory, and I believe their practices warrant further investigation by the CFPB. 

On XX/XX/XXXX I identified an unauthorized transaction on my account ( Account Number : XXXX ). I promptly contacted Wells Fargos customer service to report the issue and was assured that it would be addressed in a timely and efficient manner. 

However, the resolution process has been anything but smooth. Despite numerous follow-ups, I have encountered several issues, including : XXXX. Delayed Responses : The investigation has been unreasonably slow, with little to no updates provided by Wells Fargo. 
XXXX. Lack of Communication : Customer service representatives have failed to keep me informed about the status of my dispute, forcing me to repeatedly contact them for information. 
XXXX. Inadequate Support : The representatives I have spoken with have been unhelpful and have not provided clear or satisfactory explanations regarding the progress of the investigation. 
XXXX. Unresolved Issue : Despite the passage of [ number of weeks/months ], the unauthorized transaction has not been reversed, and I have not received any reimbursement or resolution. 

As a consumer, I rely on my bank to protect my financial interests and provide prompt assistance when issues arise. Wells Fargos handling of this dispute has been disappointing and has caused me considerable XXXX  and inconvenience.
Consumer complaint received 2024-07-04
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo was caught on numerous occasions reordering my account in order to incur overdraft fees and as of recently I have called and complained that I am having a financial crisis ; however, instead of rejecting payment, they are allowing them to process and charging me overdraft fees. I told them that the amount of fees that they want me to pay back on my account is enough to pay all my back bills and that I want my money returned in which they are refusing. Over {$1000.00} was charged in overdraft fees to me as of today from 2020.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (AL)

Disappointed in card practices. This is 2nd time Dillards has done this. 1st time I had fraudulent charges and closed the account. Then, I was caring for my mother in Kentucky who I just put in a XXXX XXXX  and bought her new sweaters and opened up a new account with Dillards since I will be up there more.. I set up the payment on XX/XX/ with my bank XXXX XXXX with a due date of XX/XX/. Dillards claims it was not received until XX/XX/23. My banks and documents I sent show Dillards recd it on XX/XX/ not XXXX like they said. They are liars and will do anything to charge a fee. I paid it in fear they will just keep adding fees even if I challenge it and requested the account be closed. Now they will not close the account or place in writing they will. My payment confirmation # is XXXX. This is horrible way to treat customers and I expect my money reimbursed because XXXX said I had to pay it then make complaint but they will not close the account. I dont know what to do but someone should know this is the treatment people get with this entity. Its sad cause Dillards is one of my favorite stores.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XX/XX/2023 i woke up to two alerts from XXXX XXXX at XXXX XXXX  that there was an update on my credit report and a hard credit check was added to my report. 

i recieved two more alerts from Capitol One at XXXX XXXX  that my phone number was updated and i was appoved for a card despite never applying for XXXX. 

I recieved an alert from both XXXX at XXXX XXXX  and XXXX XXXX at XXXX XXXX  that there were new inquiries on my credit report so i need to report fraud.
Consumer complaint received 2024-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMO Bank, N.A. (CA)

This account was close on XXXX. 
When I decide to close the account there was a payment of XXXX cents or something similar but the problem was resolved and the account closed. The teller took me to a room and let me know the account was closed and gave me a receipt. After in 2021 when I applied for a apartment I was told I had a collection for the same bank. I asked the bank for help but they sent me to a different location and in that location they sent me to the first one. None of them gave me information about the collection or why the account was reopened after it was closed years ago. They probably thought because it was only over XXXX dollars it was okay for me to pay but it was and still is very difficult for me to pay that amount plus it has ruin my credit all this years. 

I asked the collection agency what I could do and they told me to get in contact with the bank branch to help me delete the collection as only they were able to so so, and the bank said it was up to the collection agency, not them.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

I have an email from my Chase private banker dated XX/XX/XXXX that my promotional coupon was attached to my account for {$900.00}. I've been trying to work with a branch to open the savings account and add the $ XXXX for the past XXXX weeks and the manager I'm working with, XXXX, is stating that the coupon attached by XXXX on XX/XX/XXXX was the wrong coupon despite him telling me it was correct. Further, XXXX told me to set up my checking account online such that everything was not done together. 

I've been misinformed and mislead since trying to join Chase XXXX months ago.
Consumer complaint received 2024-07-04
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to dispute off the following inaccurate accounts on my credit report listed below. 

XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX TRANSUNION : XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX {$2700.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank (MD)

VICTIM OF IDENTITY THEFT. 

ALL PERSONAL INFO EXPOSED IN MULTIPLE DATA BREACHES. TOOK PART IN CLASS ACTION LAW SUITS AND HAVE BEEN COMPENSATED. A POLICE REPORT, A IDENTITY THEFT AFFIDAVIT SIGNED BY LAW ENFORCEMENT AND FTC REPORT HAVE ALL BEEN SUBMITTED. 


I HAVE DISPUTED THE ACCOUNTS THROUGH THE CREDIT BUREAUS TO NO AVAIL.