davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
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: WELLS FARGO & COMPANY (NJ)

I have received 3 letters from Wells Fargo addressed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX of XXXX. Two letter written on XXXX were same. I have decided to file them because of the suspicion of fraud. The logo marks were black, even though other 5 letters from Wells Fargo XXXX XXXX XXXX, XXXX XXXX, IA XXXX ( XXXX XXXX XXXX XXXX ). Also, these 5 letters from XXXX XXXX have the barcodes and scan codes.
Consumer complaint received 2023-06-24
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. (NM)

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.

The letters are stated with items and issues.

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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I would like to request the suppression of this item from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 


XXXX XXXX & XXXX  XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-05-04
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. (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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX/1XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2024-01-26
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (TN)

Purchases were made at XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX United States A credit card was opened to get the 12-18 months interest free on purchases made along with a {$75.00} statement credit for opening up a new account. After numerous attempts the interest free promotion has yet to be applied to my account. I have spoken to the manager of the store on two occasions and was told they contacted Synchrony about updating my account to show the promotional balance. I called Synchrony to confirm the purchases made were switched over to promotional balances. I was told that my promotional balances were switched over and would show up correctly on my next statement. That statement was issues on XX/XX/24. Promotional balances are still not reflected. I am being charged 29.99 % interest and I was incorrectly charged {$190.00} in interest on my previous payment of {$270.00}. My phone calls should be on record, the notes on my account will reflect the previous attempts to make the purchases show as advertised in the store listed above. The staff at this location made it known that this promotion would reflect upon opening my account. To date all the communication has either been a lie knowingly or unknowingly by XXXX XXXX XXXX  and/or representatives at Synchrony. The balances need to reflect the promotional balance immediately and a credit for the interest charges credited to my account.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XX/XX/XXXX I stared getting alerts that someone pulled my credit for capital one ( Hard inquiry ). I looked into all my account at started emailing me, so I called capital one and told them whats going on. They advised me to call XXXX XXXX, and XXXX  XXXX said that they would mail me some paperwork, and that I need to contact yall to let you know whats going on, and go from there. I did not acquire about a new card, and I will not be applying for one right now I have enough, and I was trying to get my hard inquires down. My credit was at like the XXXX range, but it had dropped since the purchase of a card and the inquires. What do I need to do next
Consumer complaint received 2024-07-18
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Dolliemac, LLC dba Elite Document Management Solutions (TX)

Tried contacting them regarding my debt accounts becuase 1. Didn't resolved any of my pending accounts even after paying them monthly 2. They suddenly closed their business without a warning or notification, as I gave tried calling & they state on the machine that they are officially closed. 

What the hell?! I have been with them since XXXX trying to resolved & consolidate my debts. None of my loans were getting paid as I have called the companies this month XX/XX/XXXX directly & I still have outstanding balances with all the debts. So you're telling me I have been paying Elite every month & they are keeping it all??? This is a total scam!!!
Consumer complaint received 2024-01-26
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: SYNCHRONY FINANCIAL (CA)

Dear Consumer Financial Protection Bureau, I am reaching out to file a formal complaint against Venmo and Synchrony Bank concerning a series of unauthorized transactions on my Venmo account ending in XXXX, which total {$1900.00} as of XX/XX/year>. 

Despite my persistent efforts and eleven separate attempts to have these fraudulent charges addressed, I have yet to see an adequate resolution from either institution. The persistence of these unauthorized charges is deeply concerning and undermines my confidence in Venmo Credit Cards and Synchrony Bank 's ability to handle this severe issue responsibly. 

The immediate correction of these errors is vital to the integrity of my financial records and my trust in the banking system. Each of my contacts with Synchrony Bank 's and Venmo 's customer service, fraud department, and fraud investigations team has failed to yield any progress, leaving me no choice but to seek external intervention. 

The lack of action on their part has not only been disheartening but has also negatively impacted my credit historya direct result of their failure in customer service and neglect of duty to their customers. As stated under California Penal Code 484e ( d ), unauthorized use of credit information is a severe breach of trust and considered a criminal offense. The ongoing inaction by both Venmo and Synchrony Bank to address and correct these charges is suggestive of a violation of this statute, demanding prompt and effective corrective action.

Therefore, I respectfully implore the Consumer Financial Protection Bureau to step in and ensure that both Synchrony Bank and Venmo address this matter with the severity and urgency it warrants. It is crucial that : 1. A full reversal of all unauthorized charges totaling {$1900.00} on my account is enacted immediately. 

2. A comprehensive correction of my credit report is undertaken to expunge all negative impacts resulting from this incident. 

3. I receive both written confirmation and oral communication via phone from Synchrony Bank and Venmo Credit Card Services, confirming the removal of these charges. 

4. A detailed explanation of preventive measures to be implemented is provided to protect against future fraudulent activities. 

Should this matter remain unresolved, I am fully prepared to pursue further legal action. I expect a swift and affirmative response from Synchrony Bank and Venmo Credit Card Services, and I trust that the Consumer Financial Protection Bureau will ensure that my financial wellbeing is not taken lightly. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-04
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. (MD)

In reviewing the attached credit bureau report issued by your agency, I have discovered an error mistake. The following accounts are reported inaccurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

For the THIRD month in a row, I am opening a complaint with you over Bank of America. I made a deposit of one check today, XX/XX/2024, for {$10000.00}. I do this every month now, They have placed multiple levels of holds on it BEYOND Reg CC limits. See my attached receipts with hold information Again, the account is new, BUT I HAVE BEEN A CUSTOMER FOR OVER 33 years!!! 

The checks I deposit are from the same client, the XXXX XXXX XXXX XXXX and XXXX XXXX. So they have cashed 3 of their checks so far. This is the 4th.Clearly, the client has no problem with me cashing them! 

I want the hold lifted after two business days as required by Reg CC. IT is a LOCAL check. The client is based in XXXX, NY and the bank is XXXX XXXX. ( See the image of the attached check ) Also, they have a 99 day restriction on new accounts. That is why this is happening. BUT, I am a customer for over 33 years! And this is the 4th deposit I've made on this account!
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 information relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-01-29
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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-08
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The XXXX  Child Support Office is reporting {$27000.00} to my credit report as delinquent ; however, I, nor the custodial parent are residents of the State of XXXX any longer. We both moved to XXXX  and completed our case with OAG Child Support Enforcement, which is also reporting to my credit report for {$22000.00}. As you can imagine, this is negatively affecting my scores to have almost $ XXXX reporting to my credit. 

I began inquiring about the reported XXXX Child Support ' deliquency back in XXXX of this year and was advised to contact them directly. I have made several attempts to contact them every month with the most recent communication being a phone call with XXXX XXXX at approximately XXXX on the morning of XX/XX/XXXX. She stated no one contacted them from XXXX  updating them concerning the new case filing to clear them to remove it. I contacted my case worker here in XXXX  requesting they provide the necessary info to clear this from my report, yet, to date, this issue is still ongoing.
Consumer complaint received 2024-01-29
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-29
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-29
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. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-01-29
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-29
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
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. (AL)

Attached Notice dated XX/XX/XXXX was sent to Equifax concerning several violations on my credit report dated XX/XX/XXXX. Violations in the following areas were found throughout my Equifax credit report : -Privacy Act of 1974 -15 USC 1681 violations - Public Law 90-321 -15 USC 6801 -12 CFR 1016 -Chargeoffs Violations were tallied and resulted in 358 violations. I have not received a response from Equifax as of yet.
Consumer complaint received 2024-01-29
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. (NC)

My name is XXXX XXXX. I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete XXXX XXXX from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.