davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (WV)

Received a Wells Fargo statement for an account I never opened. Received by mail on XX/XX/2023. Statement shows beginning balance on XX/XX/2023 for {$190.00}. Ending balance on XX/XX/2023 of {$180.00} after a {$10.00} fee was charged for balance below {$500.00}, per Wells Fargo checking policy. Account has been flagged for fraud per my request. I think I may be a victim of synthetic identity fraud, as some of the information listed on the account did not match my personal information.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" 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 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently contacted XXXX, XXXX, and Experian, so that they can update my credit profile. XXXX made the change via phone but XXXX and Experian would not. I am sending documented proof so that my information can be updated.
Consumer complaint received 2024-05-16
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. (TX)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-08-31
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. (GA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 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. 15 U.S.C 1681 section 602 A. States | 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.
Consumer complaint received 2023-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to nor benefit form the following inquiries on my consumer report : XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

This is a new complaint, do not mark as a duplicate.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo denied an increase to my business line of credit I was given no accurate or fair reason for the denial of an increase. I have no missed payments and XXXX XXXX of XXXX.
Consumer complaint received 2023-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I lost my phone and debit card was stolen, I called Chase to make a claim and have been mislead on several different fronts. I was first told the fraudulent activity happened in my area, which I was not understanding and that language made me very uncomfortable. The area in which someones used my card was not in question nor, questioned. The fact was and remained someone stole my card and used it. Second, the came back and said I never claimed my card to be stolen which os flatly a lie. I cancelled my card, reset my settings online, locked my card and got a new card. Why would someone say I never said my card was stolen if they know I cancelled my card for that reason? Lastly, they told me the merchants said the transactions was valid. I never said to anyone that these purchases were not made. I told them they were made in a fraudulent manner. The bank has told me XXXX or XXXX different things at this point. How would the merchant know who is me or not me to verify that a purchase made was me. The bank could not answer that. 
They have told me XXXX different things. Someone stole my card then used it and the bank is making me liable?
Consumer complaint received 2024-05-02
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. ()

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 XXXXXXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> 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 generally, 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.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (AZ)

I took out an installment loan on XX/XX/XXXX with this company and they are charging astronomical fees to the point that I can not keep up with the payments any longer. I borrowed XXXX, made a XXXX payment early on XX/XX/XXXX. XXXX days after the date I received the loan. That brought my balance down to XXXX. I requested that they stop any automatic charges to the account and they confirmed that same day ( XX/XX/XXXX ) that they revoked future XXXX transactions. Today, XX/XX/XXXX, they debited my account XXXX dollars for the installment payment. I have a screenshot of that conversation. The amount still owed today even after that payment is showing as {$2800.00}. That means that after 24 days of receiving this loan, I would have paid them XXXX and still owe {$2800.00}!!! That is an unrealistic amount.
Consumer complaint received 2023-06-30
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (LA)

CALLING MULTIPLE TIMES A DAY FROM ATLEAST 2 DIFFERNT NUMBERS. ALREADY ASKED THEM TO STOP CALLING ME DURING MY WORK HRS BUT THEY WONT. ITS CAUSING PROBLEMS WITH MY JOB WITH MY PHONE ALWAYS RINGING
Consumer complaint received 2024-05-16
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. (IL)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MD)

On XX/XX/year>, I attempted to purchase an airline galley cart from a seller on XXXX XXXX. I planned to use the cart as a bar cart. After expressing interest, the seller provided me with his phone number, and we continued communication via text. During our conversations, the seller insisted on payment through Cash App. 

I sent {$300.00} to the seller via Cash App, using my credit card for added security. Despite my precautions, the seller did not fulfill the purchase. On XX/XX/XXXX and XX/XX/XXXX, I requested a tracking number for the cart, but instead, I found that I had been blocked by the seller. Additionally, I had provided the seller with my girlfriend 's name and address, making it clear that the seller had personal information about us. 

What actions I took : I contacted both my bank and Cash App to report the scam and request reimbursement. Both institutions directed me to contact each other, and ultimately, neither could assist with resolving the issue. My appeals for reimbursement were denied. 

I also requested a refund directly from the seller, but my request was ignored. 
To date, I have not received any resolution or reimbursement for the {$300.00} I lost. 

Timeline : XX/XX/XXXX - I contacted Cash App support, XXXX XXXX I submitted a Credit Card Dispute with XXXX XXXX XX/XX/XXXX - XXXX XXXX denied and closed my claim telling me to contact the recipient or merchant for reimbursement directly. I tried to appeal this, but they insisted that it was futile. 
XX/XX/XXXX - I contacted Cash app because I found out my claim was denied. I asked to appeal and escalate my claim however, they said managers only email customers and that I had to wait until they contact me.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

In XXXX, " XXXX XXXX XXXX XXXX XX/XX/XXXX '' appeared on my XXXX and Equifax consumer credit reports. I have never signed any contracts or agreements with this company. They allege I owe a debt of {$1300.00}, which I attempted to validate and verify. I received no correspondence back from said company. In XX/XX/XXXX, I attempted twice to correct my reports and remove this account from my consume file. Both times Equifax and XXXX claimed the debt was valid and kept the account on my reports, and failed to ever provide any material evidence of the investigation they supposedly performed. It is my assertion that absolutely no formal investigation was actually performed. Both agencies continue to stall my dispute processes by alleging that I did not send the proper documents necessary, which is an outright lie. I carefully assembled and sent via Certified US Mail my FTC ID Theft report, Dispute Letter, Identification, Social Security Card, and Proof of Address. Both Times Equifax and XXXX falsely claimed they never received this information. Equifax also failed to enter a legally required Notice of Dispute, Mandatory under 15 USC 1681i ( 2 ) ( a ). I demand this willful non-compliance stop and the account be deleted from my reports Immediately.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CORELOGIC INC (OH)

I am having issues accessing the site to receive my XXXX XXXX and XXXX Credit reports. I have been trying to get my report from the site and I keep getting kicked out.
Consumer complaint received 2023-05-10
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. (VA)

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 CO : 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 2024-09-11
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. (NC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-16
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. (IA)

I am XXXX XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Robinson Economic Development Corporation (OH)

Loan total balance wont go down and yet Im making steady payments. I dont understand. It keeps accruing interest so the balance never goes down. I got a loan for XXXX at the beginning of XXXX and my payments are XXXX every pay. They only allow so many deferred payments and continue to take money at a percentage of 624.9999 % and it ridiculous how much they take. The loan should be paid off but the balance is {$910.00}!!! Even more than the loan amount itself and I got the loan in XXXX!
Consumer complaint received 2024-08-31
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. (NC)

I am XXXX XXXX, I'm reaching out because I've noticed several issues with my credit report, including wrong account listings, unauthorized inquiries, reporting mistakes, billing errors, and accounts that aren't mine. 

I need help fixing these problems to protect my financial security.
Consumer complaint received 2020-06-04
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. (NC)

I recently filed a dispute request with the credit reporting agency where I advised that a collection account listed as XXXX XXXX XXXX XXXX / XXXX XXXX showing on my credit report was a result of Identity theft at that time I provided proof of the account, the police report and a letter stating the accounts was a result of ID theft as communicated to the collection company the credit bureau has refused to remove the account from my credit file dispute being notified I provided my ID, police report and proof of address in this letter please assist me in resolving this matter