davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
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. (GA)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXXedit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX XXXX XXXX Balance Owed : {$18.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$830.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX  XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX  XXXX Balance Owed : {$890.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5400.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00} ; XXXX  XXXX Balance Owed : {$460.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : PROGRESSIVE ) XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ;.
Consumer complaint received 2024-07-18
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. (CA)

Subject : Complaint Against Equifax for Non-Compliance and Violation of Consumer Rights To Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax for their continued violation of my rights under the Fair Credit Reporting Act ( FCRA ) and their failure to stay in compliance with the XXXX XXXX format. Despite my numerous attempts to resolve these issues, Equifax has consistently failed to address and rectify the fraudulent accounts and inaccuracies on my credit report. 

I have sent multiple disputes to Equifax regarding fraudulent accounts listed under my name, specifically : XXXX. XXXX XXXX XXXX XXXX ( XXXX accounts ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Family Support Despite providing all necessary documentation, including an FTC Identity Theft Report and a police report, these accounts are still being reported and have not been blocked as required by law. 

In addition to the above, there is a discrepancy regarding inquiries on my credit report. I recently received a copy of my credit report from Equifax that shows no inquiries, yet I was informed by Equifax representatives that their system indicates there are XXXX inquiries. This inconsistency is unacceptable and causes significant confusion and concern regarding the accuracy of my credit report. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, dated XX/XX/year> XXXX. XXXX XXXX, dated XX/XX/year> Moreover, I am a victim of the Equifax data breach, which compromised my personal information. It is clear that my information has been fraudulently used, contributing to the issues I am currently facing. 

I have communicated with several Equifax specialists regarding these matters, yet no effective action has been taken. Equifax 's failure to address these issues and their non-compliance with consumer protection laws is unacceptable. 

I urge the CFPB to hold Equifax accountable for their actions and ensure they comply with all relevant laws and regulations. Equifax 's fraudulent actions and negligence have caused me considerable distress and potential financial harm. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these issues. 

SEE ATTACHED CERTIFIED LETTER TO EQUIFAX AND ATTORNEY GENERAL COMPLAINT
Consumer complaint received 2024-07-18
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. (MI)

The credit Bureaus claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

XX/XX/year> JPMorgan chase closed my accounts with out any kind of notice and would not tell me why my accounts were closed. In my almost 20 years with them, I have never had a late fee on my mortgage, credit cards or an overdraft fee on my accounts. They have the right to close the checking and savings but now they affected my credit score drastically by closing XXXX credit cards. They are not allowing me access to my account to pay the balance I owe on my credit card and mortgage.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (AR)

Hello, I entered a XXXX in XXXX with the non-profit XXXX, and they have been so helpful. They have issued every payment as promised. Although my XXXX XXXX, from Continental Finance, has received on time agreed upon payments of {$31.00} from them, they have not taken them off my balance or acknowledged them in anyway. They are also trying to collect from me at the same time, most recently offering a 50 % settlement. I am not interested in that. They should do the right thing.
Consumer complaint received 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My entire credit reports has multiple fraudulent transactions that are not supposed to be included on my credit report which is causing me actual damages and causeing me to get denied everything i apply for let alone i never gave any written consent too experian XXXX for transunion to report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any transactions or anything on my credit report relating to thoes companies which also caused damages to me and public humiliation to my credit standings also has no lawful right to do so or impact my credit worthiness. Also I received a inquiries but never received anythings from the companies so unlawful reporting on my credit without giving the consumer anything in return
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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.
Consumer complaint received 2024-05-27
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I received a phone call from the fraud department at Wells Fargo on XX/XX/XXXX  concerning a transaction from my savings account for {$25000.00}. WF stated that the money was a wire transfer initiated through online banking. That afternoon, I went to my local WF branch and spoke to a representative about the fraudulent transfer. I'm not sure why, at that point, WF didn't freeze the wire transfer. I told them this was not done by me ( or my wife ) and a claim was started to dispute the transaction ( claim # XXXX ). WF closed the savings account, reopened another, and moved the remaining money into this new account. On XX/XX/, we received a letter from WF stating that our claim was denied and that they determined the transaction was performed by me or someone using my username and password. Moreover, WF stated that we are responsible for online wires that originate using my username and password. I did not make this wire transfer. Please help me to recover the {$25000.00}.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MA)

On or about XX/XX/XXXX | recieved email from Concora Credit stating that my new " Milestone Mastercard '' ( Account No. XXXX XXXXXXXX ) has been approved and will be mailed. I assumed ti was a scam email, because I never applied for a credit card. 
On XX/XX/XXXX, I recieved a Milestone Mastercard with a {$700.00} limit issued by the XXXX XXXX XXXX. 
For a moment I considered that this was merely identity theft, but I googled the company name, and saw dozens of complaints about this company being a scam. 
Iam requesting the company close this account, and pay me damages for the hit to my credit score for the fraudulent hard inquiry, recently opened account, and soon to be closed account. 
Ibelieve this company should be fined and shut down for this identity theft and scam to consumers. 

On or about XX/XX/XXXX, I recieved a statement with a {$170.00} balance for credit protection on the card. 
I attempted to contact the company who claim to have no account on record with my last 4 of XXXX and the account number they provided me. I didnt give them my full SSN but I am now worried that they have my last four, I should not have done that. Is this an intent steal my info? 

They better not be able to report this card to the credit bureau because it was unauthorized and I read online that they are scammers. 

Please see screenshots.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Back in XXXX I wrote to the CFPB about the data equifax data breach. I was notified that my data was affected. I immediately notified the CFPB about the breach. I also stated that I want to block my credit profile report. Meaning I need written notice from entities when furnishing or sharing my personal data.Where is your written notice? This is identity theft! Your entity is violating my rights. I received a new inquiry of a new address on my credit profile. How did that address get on my report? I never lived at the location. I live in XXXX, NC not XXXX, FL. Please remove : XXXX XXXX XXXX XXXX, FL XXXX. How did anything get on my report without written permission? This is considered identity theft. This address needs to be removed immediately. My address is XXXX XXXX XXXX XXXX XXXX XXXX, NC. All correspondence should be addressed to XXXX XXXX XXXX XXXX. 

Where is the contract for XXXX XXXX where I gave them permission to furnish my account? Where is your entity 's written notice? As I stated in my last letter you need written permission from XXXX XXXX XXXX before furnishing any account information. My accounts are run by my XXXX. All my accounts are private and I require written permission from all agencies to share XXXX XXXX XXXX consumer profile. With each violation will be a fine of {$1000.00} for noncompliance. I need a notice from the financial institution or credit agency with full account information and full disclosure on how to settle the account in bankruptcy, see Bankruptcy act of 1933. After I examine the account, I will decide what to do. As these are my accounts. Your company operates through the United Stated Codes, please follow those codes, or I will be forced to take civil action. Please remove all inaccurate information below. Thank you for your time. 


Remove immediately Inaccurate Information Address XXXX XXXX XXXX XXXX, FL XXXX Accounts XXXX XXXX XXXX XXXX XXXX  Accounts : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax XXXX XXXX ( Equifax
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-02-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I disputed all of the fraudulent accounts on my report. I have not receive any notices from the credit bureaus. None of the items that are reporting delinquent is accurate. I sent notices and by law the bureaus have 30 days to provide a written explanation I have yet received anything. It has been over days!
Consumer complaint received 2023-09-18
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. (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 XXXX XXXX has violated my rights. 

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.
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX XXXX contacted me on behalf of Td Bank. I have been having them take {$50.00} out of my account each month from XXXX payments. When my XXXX payments stopped I contacted them to ask them to stop taking my payments sending emails showing my XXXX payments have been stopped. I was hung up on three times and no response to emails from XX/XX/XXXX and XXXX. I want this complaint posted PERMANENTLY so anyone who does business with them will know who they are and the tactics they use. I even emailed them stating would be filing a complaint against them and no response. I am hereby rescinding authorization to withdraw monies from my account. Since they hung up on me three times they are to NEVER EVER call me at any number EVER again. My bank refuses to stop the payments since they are XXXX.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (NE)

I had a Wells Fargo account, teller forced me into opening a savings account, saying it would close after 30 days if I didnt sign the papers. Several months later, I had overdraft fees since my check was deposited into my savings account- the account that should have been CLOSED! I bought in the papers that I never signed telling them how much money this cost me and how I was lied to. 

They did NOTHING and made me pay the overdraft fees since they werent budging even though they knew they had taken money from me in those overdraft charges. 

I want the money that they owe me and deceived me into opening an account without my consent.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

i was used as a authorized user but this is affecting my credit score because whoever account this is their are over their credit limit and it is messing uo my credit score im trying to take out a morgage so i can buy a new home but i cant until this tradeline is removed from my credit profile.
Consumer complaint received 2023-07-04
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. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I sent a letter ( please see below ) to XXXX to investigate this matter and verify the accounts listed below. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX  Inquiry XX/XX/XXXX Unverified Account XXXX XXXX XXXX Inquiry XX/XX/XXXX Unverified Account XXXX XXXX Inquiry Unverified Account XXXX XXXXXXXX Unverified Account The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts listed above have violated my credit rights.

I looked at my credit report on June 2, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 15 USC 1681b ( 2 ) states that any negative items that a company reports without my written consent is considered identity theft.
Consumer complaint received 2024-05-27
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 am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.