davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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. (CT)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove this account which is found to be opened due to identity theft. The dispute item does not belong to me. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

On the XX/XX/24 EQUIFAX responded that XXXX XXXX XXXX   was deleted from my consumer report. EQUIFAX disregard of my federal protected rights continue to furnish said item on my consumer report without any prudent due diligence to verify said account. EQUIFAX is deliberately using interstate communications in a scheme of fraud using deception and/or enticements. Please see attachment! It's a screenshot of EQUIFAX stating said negative account is deleted. I continue to be given the run around and disregard of my federal protected rights. I will SEND THIS TO THE FTC WITH THE HELP OF CFPB. ONCE again I will resend last complaint to show that EQUIFAX AND XXXX XXXX XXXX  CONTINUE TO DISREGARD FEDERAL LAWS AFTER KNOWING WHICH FEDERAL LAWS THEY HAVE BROKEN. Last complaint : I been advised to give EQUIFAX 1 last chance to cure. I'm a federal protected consumer and my rights have been VIOLATED! I been dealing with this since XXXX. I been patient through the process, while I been giving the run around. I will have the CFPB send this to the FTC! So I want to be clear I do not want a statement stating we still working on it, and I do not want this is a duplicate or a simple account verified. I am asking and have been asking for the original wet signature contract between ME and XXXX XXXX XXXXXXXX I also want a copy of me given written consent to furnish ANYTHING on my consumer report. I'm also asking and have been asking for XXXX XXXX XXXX XXXXicense to collect a debt in XXXX, the date of the license and the name on the license. To be clear EQUIFAX and XXXX XXXXXXXX XXXX have not provided me said items, but yet furnish account on my consumer report which VIOLATES my federal protected rights. The following federal laws been broken : FCRA 609 and 605, as well as FCRA 623. On top of that 15 USC 1681a ( 2 ) ( I ) and 15 USC 6802. Also 15 USC 1692g. To be clear I asked EQUIFAX AND XXXX XXXX XXXX to provided said items above, which they have not. It does not end there. EQUIFAX is reporting late payments on my consumer report, which VIOLATES my federal protected rights 15 USC 1666b. I DEMAND IMMEDIATE PERMANENT DELETION!!! IF NOT CFPB WILL HELP WITH LITIGATION AND REPORT THIS TO THE FTC!!! XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TradeStation Group, Inc. (NJ)

I registered for an account on Tradestation.com on XX/XX/XXXX and the promotion terms stated that I would get {$150.00} if I deposit {$500.00}. I registered with their promotion code " XXXX " on the application. I followed up with them to confirm that I was registered with the right code because several hours later I saw that they changed the promotion terms for {$150.00} for a deposit of $ XXXX. I spoke to them through their online chat and they said " Your account was approved but the promo code was not accepted. '' There was nothing on the website that told me that the promo code was not accepted when I submitted the application. This is illicit because I registered with the correct promotion code and the application was approved. I would have never of known that they would not honor the promotion code if I did not contact them.
Consumer complaint received 2023-06-06
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. (AL)

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  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 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MN)

I Have Been A Victims Of Identity Theft upon getting denied a credit union. I have reviewed my credit reports, and I have accounts that were opened in my name, Debt collectors mailing me stuff in the mail. I lost my social security card and drivers license on approx XX/XX/XXXX, Since then I have reported the identity theft to the social security administration and got a new drivers license, the accounts that are identity theft I will list below XXXX 1 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 2 ) XXXX XXXX XXXX opened on or about XX/XX/XXXX 3 ) Credit Acceptance Corp ( auto ) opened on or about XX/XX/XXXX 4 ) XXXX XXXX opened on or about XX/XX/XXXX 5 ) XXXX XXXX XXXX  opened on or about XX/XX/XXXX 6 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 7 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 8 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 9 ) XXXX XXXXXXXX XXXX opened on or about XX/XX/XXXX 10 ) XXXX XXXX Date Filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX  self lender opened onXXXX 2 ) XXXX opened on XX/XX/XXXX 3 ) XXXX XXXX XXXXXXXX XXXXXXXX opened on XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX opened on XX/XX/XXXX 6 ) credit acceptance corp opened on XX/XX/XXXX 7 ) XXXX XXXX XXXXXXXX XXXX opened on XX/XX/XXXX 8 ) XXXX XXXX date filed XX/XX/XXXX XXXX Accounts that are open fraudulently are listed below 1 ) XXXX XXXX XXXX opened on XX/XX/XXXX 2 ) Credit Acceptance opened on XX/XX/XXXX 3 ) XXXX XXXX  opened on XX/XX/XXXX 4 ) XXXX XXXXXXXX XXXX  opened onXXXX XXXX XXXX 5 ) XXXX XXXX XXXX opened on XX/XX/XXXX All of these accounts were not authorized by me. I also have multiple inquires on all my credit reports that were not authorized by me
Consumer complaint received 2024-01-25
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. (MN)

As of XX/XX/2024 I have had a {$0.00} balance on my XXXX XXXX  with an available credit of {$3800.00}. I have not made any purchases since. I have n0t received any emails since saying I had anything owed, or that a statement was generated. Usually any time a statement is created I am given a statement email which I wasn't. I was notified last week by my EQUIFAX Credit Monitoring, that I had a late payment/missed payment to a CC and my Available Credit had been lowered in addition to my Credit Score being reduced by XXXX points. I have not had any missed or late payments in over 15 years, and it was because of a {$21.00} charge on my account that I did not make. I am also a member of the XXXX XXXX and was enrolled in XXXX 's XXXX benefits due to a recent activation. I sent a message via the portal they had online, and also tried to speak with someone over the phone. I was advised that " The Dept you need to speak too is not open '' and that I am unable to file a dispute on the charge because its over 60 days, but I was never given any statement notification/past due email/past due phone anything. They told me I would need to call back tomorrow. I have been calling for 5 days now, at all times during business hours, and every time I call they tell me no one is available, Dept is closed, Manager can call back. The email response I got was " Look like you called and talked to someone your matter must be resolved and they have closed my ticket '' What they have done is illegal, as 1 ) I was never given any statement notification of any balance since XX/XX/2024. I have since resumed getting emails since my 1st contact to them. They can not send me to collections, or adjust my statement balance being under XXXX protection, and in addition military members are allowed additional time to report fraud transactions. I have been asking to speak to a manager for 5 days, and kept being told no one is available
Consumer complaint received 2024-04-11
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. (OH)

I am writing to follow up on my previous dispute regarding the fraudulent account appearing on my credit report. On [ date of initial dispute letter ], I sent a formal dispute letter informing you of the inaccurate and unauthorized account listed on my credit report. Despite my efforts, the erroneous information has not been rectified, and I believe there may be violations of the Fair Credit Reporting Act ( FCRA ) that need to be addressed. 

I reiterate that I have no affiliation with this account, nor have I authorized its opening. This erroneous information is damaging my creditworthiness and causing undue stress and inconvenience. 

Furthermore, it has come to my attention that there may be violations of the FCRA in handling my dispute : 1. Failure to Conduct Reasonable Investigation : Despite providing sufficient evidence of the fraudulent nature of the account, no meaningful investigation appears to have been conducted to verify the accuracy of the information. 
2. Failure to Provide Prompt Response : Under the FCRA, credit reporting agencies are required to investigate disputes within 30 days of receiving them. It has been well beyond this timeframe, and I have yet to receive a satisfactory response. 
3. Failure to Delete Inaccurate Information : The FCRA mandates that inaccurate information must be promptly corrected or deleted from credit reports. The presence of the fraudulent account continues to mar my credit profile, indicating a failure to comply with this requirement.
Consumer complaint received 2024-02-17
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. (NC)

Reviewed most recent credit report from Equifax and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 

Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-02-17
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. (GA)

I have filed a fraud alert because my credit card was fraudulently used. However, I see unauthorized inquiries on my credit report. 

These inquiries include : 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
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I want to inform the Credit Bureaus XXXX  AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2024-04-24
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. (MA)

( Account # XXXX ), was charged off on the ( XXXXXXXX XXXX ). Since then the account has repeatedly continued to update as charge off every month which is an update in payment history. A charge off shouldnt include an active payment history. This false information manipulates the statute of limitations. You failed to investigate this information properly and your neglect has violated my rights. Am demanding a deletion of the following account. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which 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 are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$160.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$330.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$15000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$300.00} XXXX XXXX XXXX Balance : {$7000.00} ; 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 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
Consumer complaint received 2024-02-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

We have an interest bearing savings account with Wells Fargo. We were contacted by a banker with Wells Fargo on XXXX XXXX who stated we were eligible for a rate of 4.5 % on our entire savings account if we deposited {$10000.00} of new money into our existing savings account within 30 days. I met with banker in person on XX/XX/XXXX who electronically submitted the information and access code to obtain the new rate. On XX/XX/XXXX, I made a deposit in excess of the required {$10000.00}, well within the 30 day requirement. I spoke with banker additionally on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding why the 4.5 % interest had not been applied. I then spoke with the branch manager on XX/XX/XXXX and XXXX. Each time, I was told I had done everything I needed to do but they were unable to tell me why the rate had not been applied or when/if it would be applied. They were investigating.
Consumer complaint received 2024-02-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (TX)

I have the American Express Serve card given to me by XXXX XXXX for my tax return. I can never withdraw money from the atm it will decline every attempt. And lock my card. When I call customer service there is no option to speak to a representative. I have to choose the option for lost stolen card to speak with anyone. And they always say the issue is resolved to try card in XXXX mins and when I try it again it declines again. Ive had to be taking my $ out by the XXXX at XXXX since the atms wont let me. And they charge me {$9.00} every time. The cost service agents I spoke to today XX/XX/2024 did not help me at all because when I explained to them it will not work after XXXX or even an hour later XXXX its not my first time trying. I have never been able to use the atm since activating the card : the agents just kept saying that it will work. And would not let me speak to a supervisor or give me information on how to submit a complaint. I had to search for the information myself.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

This account was charged off on the following date ( XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ) Since then the account has repeatedly been updated as charged the statute of limitations. You falled to investigate this account properly and your neglect has violated my rights. I am demanding a deletion
Consumer complaint received 2024-01-25
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. (NY)

These accounts that I am sending you are to be deleted since they are not mine. 


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
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
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 consistently make on-time payments. I am confident about this. What I am unsure about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-10-02
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. (AZ)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX Bankruptcy Discharged XXXX & XXXX XXXX  XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX