davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (NY)

RE : Recurring bill pay to the landlord of {$2900.00} to be made on the XXXX ( approximately ) day of each month for rent due on the XXXX of each month. A physical check was sent by the bank ( Wells Fargo ) each month from XXXX XXXX through XX/XX/XXXX, received and deposited by the landlord without incident. A check was also cut on XX/XX/XXXX. The landlord reported not receiving the rent on either XX/XX/XXXX or XXXX, XXXX. The bank was contacted and claims were filed. A photocopy of the check was requested and received on XX/XX/XXXX, a week after the bank was contacted. The check was cleared on XX/XX/XXXX but no banking information was on the back of the check and NO ENDORSING SIGNATURE WAS ON THE BACK EITHER. Wells Fargo claims the check was cleared but has not provided any evidence of deposit in anyones bank account and refused to acknowledge this as fraud. Previous checks ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) show endorsement on the back and banking information where the check was deposited. I spent 3 1/2 hours in a Wells Fargo branch in person ( today XX/XX/XXXX, the date of this complaint ) with a banker and the bank manager who made phone calls and we were transferred multiple times to multiple departments ( bill pay, claims, escalation division ) with no resolution. They have said they will investigate but I have no documentation of that either. The bank manager and banker got the same run around that I did and all three of us experienced that together. Bottom line : Wells Fargo has not proven where the money went but has deducted funds from the account. They have not treated this as fraud though there is evidence that the landlord did not deposit the check. This is check fraud, unresolved and with no assurance of resolution. I am attaching bank communication saying the payee was paid- he was not. I am also attaching a photo of the back of the check. A check was cut that he did not receive.Help!
Consumer complaint received 2024-05-13
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 urgently address the removal of certain unauthorized inquiries from my credit report. Upon thorough review, I have identified two inquiries that were conducted without my consent, and I have no recollection of engaging with the respective creditors. 

The unauthorized inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I must emphasize that neither XXXX nor any other credit bureau have listed this inquiry on my report. I urge you to confirm this deletion with the bureau. Failure to do so will leave me no choice but to pursue legal action against your bureau through a lawsuit. Additionally, there are incorrect dates showing on my transitions, further verifying my claim that I did not apply for the hard inquiry. 

It is imperative to rectify this matter swiftly to maintain the accuracy and integrity of my credit report. Neglecting to address these unauthorized inquiries promptly may compel me to take legal action to safeguard my rights under the Fair Credit Reporting Act ( FCRA ). 

I trust that your agency recognizes the gravity of this situation and will take immediate action to rectify it. By expunging these unauthorized inquiries, you will fulfill your obligation under the FCRA and demonstrate your commitment to providing accurate and dependable credit reporting services. 

I kindly request acknowledgment of this letter and confirmation of the removal of the unauthorized inquiries from my credit report. Your cooperation in resolving this matter promptly is greatly appreciated. 

SincerelyXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
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. (CO)

There are errors in my credit profile, which is an unfair treatment towards me. I kindly ask that you examine this problem and make the necessary corrections. I am fed up and tired of these matters, and if there are no updates on my inquiries, I will have to resort to legal means.
Consumer complaint received 2024-05-12
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (CA)

I purchased some items from XXXX through the XXXX bank regularly, and paid my regular monthly payments and more, and occasionally a lump sum of money to clear my debt and close my account, and didnt purchase any items for at least 7 months.After a while they increased my debt to about {$1200.00} which wasnt right, I sent them letters and emailed them to provide me with a statement of breakdown of my purchases against my payments, which they never did. 

Anyway, I gather they reported this to credit companies and that impacted my credit score.

I need that to be fixed please. 

Appreciate your time and patience with me and my XXXX as my second language.
Consumer complaint received 2024-05-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (SD)

On Friday XX/XX/XXXX, I initiated a wire transfer of {$14000.00} to XXXX XXXX XXXX XXXXXXXX XXXX  PNC bank account, from my bank, XXXX. 

By Saturday XX/XX/XXXX, I discovered that the vehicle I purchased had serious undisclosed accidents and legal concerns, making the transaction a scam. 

Concerned about the legitimacy of the transaction, I contacted XXXX on XX/XX/XXXX ( the following Monday, the next business day of my wire transfer ) to initiate a recall of the wire transfer ( case number : XXXX ). XXXX claimed that they sent the message out to PNC right away and need to wait for PNC to respond. They asked me to follow up within XXXX business days. 

Despite filing the recall request promptly on XX/XX/XXXX, I was informed at the end of XX/XX/XXXX ( Tuesday ) that the funds had been successfully transferred by XXXX. XXXX communicated to me that they had issued the recall request immediately on XX/XX/XXXX, but the recipient 's bank, PNC, failed to respond in time to stop the transfer. 

I seek clarity on whether the responsibility for the failure to recall the transfer timely lies with XXXX or with PNC. This issue is critical as the funds were sent to an entity involved in deceptive practices, even after I had officially requested a recall. 
Given the complexity and urgency of this matter, your guidance and intervention would be greatly appreciated to determine the accountability and to potentially rectify this financial mishap. 

Thank you for your attention to this matter. I look forward to your support in resolving this issue.
Consumer complaint received 2024-05-13
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: EQUIFAX, INC. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

hello I have tried getting this issue resolved on multiple occasions which it seem like you guys refuse to remove this account. This account is related to identity theft I have been notified by the military data breach and also XXXX police department where you guys can call the didn't notify me the name of the individual as they kept that confidential, please im begging you to reach out to them to get this issue resolved as this account is not mines and it is hindering me from buying my house. please read this until the end because this will be my last and final attempt before I report this issue to the authorities. I have tried and waited for months for resolution and I still have yet to get anything.
Consumer complaint received 2024-09-15
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)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Equifax : [ Professional Financi ] [ XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Consumer complaint received 2023-09-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

I purchased a swing set for my granddaughters during Covid. XXXX was the only store that would ship it. I purchased this and paid on installments. Once paid I would receive a fee each year after. I didnt sign up for or asked to participate in this program. They charge me every year and add service charges and late fees higher than the original fee. The account has been closed and the XXXX people credited the original XXXX and Comentity bank told me it didnt matter if it were closed I still had to pay it or suffer the circumstances. This is a scam and my corporate attorney felt they we phishing me for personal information. Im tired of paying this phantom fee. Comentity XXXX and XXXX XXXX XXXX XXXX. Please help me.
Consumer complaint received 2024-05-13
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. (FL)

I am writing to dispute an unauthorized hard inquiries on my credit report. I have recently obtained a copy of my credit report and noticed a hard inquiry listed that I did not authorize. 
I understand that hard inquiries can negatively impact my credit score, and it is important to me to maintain an accurate credit report 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 accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XXXX XXXX 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 2024-09-15
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)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Equifax : [ Professional Financi ] [ XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Consumer complaint received 2024-05-13
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)

I was a victim of identity theft, and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act. This list of accounts 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 a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. 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.
Consumer complaint received 2024-05-13
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-08-22
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. (DC)

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 Account Name : XXXX XXXX XXXXXXXX Account Number : 1995 and 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 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  account number : XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I'm writing to formally address a matter of utmost importance concerning a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ). 
My consumer report, under your guardianship, has unauthorized entries related to consumer credit transactions that are IDENTITY THEFT. NO PROPER DOCUMENTATION SUPPORTING SUCH CLAIMS AND ALLEGATIONS HAVE BEEN SUPPLIED AND MY WRITTEN AUTHORIZATION WAS NEVER GIVEN : I HAVE ASKED FOR THIS PREVIOUSLY BUT BECAUSE THE CORRECT INFORMATION WAS NOT SUPPLIED, IT BRINGS US HERE. Please be explicitly clear on this matter : at no point did I grant or was approached for any authorization pertaining to these transactions. XXXX XXXX XXXX XXXX XXXX XXXX alarming to have to go through these things, and the implications for me are profound.
Consumer complaint received 2024-05-13
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. (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. 

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 an 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 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I always pay on time and I know this for sure. I don't understand why this company says I'm late some months. This shouldn't happen. According to USC 1666b, any billing mistakes should be fixed and marked as paid on time.
Consumer complaint received 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (NC)

On XX/XX/24 I wrote a dispute letter to Mountain America Credit Union to receive validation of the debt which they never provided to me. They claim I owe them {$7000.00} however, if this debt was real then they would have sent me the debt validation like I requested. It's clear that I actually don't owe this debt because they have no documents to prove it.