davidheineman/consumer-finance-complaints-large huggingface dataset:
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 write to bring to your attention a grave discrepancy within the records maintained by your esteemed agencya matter of profound significance that warrants immediate redress. It has come to my attention that an unauthorized bankruptcy filing has been attributed to my name, a grievous error that not only transgresses the bounds of legality but also egregiously violates my constitutonal rights. 

Furthermore, I must draw your attention to additional inaccuracies permeating my credit report. Specifically, the bankruptcy in question was filed a decade ago, rendering its continued presence within my financial dossier wholly unwarranted and patently erroneous. Such discrepancies undermine the integrity of my financial standing and compromise my prospects for future endeavors. 

The inclusion of this unauthorized bankruptcy not only besmirches my reputation but also precipitates significant financial detriment, casting an unjust pall over my creditworthiness. Therefore, I implore your agency to undertake immediate and decisive measures to rectify this egregious oversight. 

I caution that failure to expeditiously adress these concerns will compel me to pursue legal recourse without hesitation. I stand resolute in my commitment to utilize all available legal avenues to seek redress for the damages incurred as a consequence of your agency 's negligent reporting practices. 

In summation, I urge your agency to exercise due diligence in expunging the unauthorized bankruptcy from my record forthwith, thereby safeguarding my financial integrity and forestalling the necessity of protracted legal proceedings.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MI)

Chase cards flex, Amazon, XXXX. And debt cards. XXXX  XXXX two cards. XXXX XXXX. XXXX XXXX  XXXX  and XXXX  XXXX XXXX card. I have called these companies and explained my my ID was stolen and I didn't make all of the charges. They said I'm lying and need to pay my bills. Most of the accounts were getting hacked by a XXXX XXXX account which I have never done any business with in my life. I filed a report with the Ftc XXXX. In XXXX. Never heard a thing back. Had close to 800 credit XXXX now in lower 400 range. I'm not going to pay a dime to these credit cards. That I did not run the credit up on. Thank you for your help
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I called XXXX to get credit report and I noticed some inquiries that I dont know about due to law 15ufc1681b I have the right to dispute this and would like this off of my credit report
Consumer complaint received 2023-09-21
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A. (CA)

On XX/XX/year>, I used my citi bank cc at the citi bank ATM to cash advance XXXX XXXX The ATM did not dispense the cash and I was still charged XXXX XXXX on my account. I disputed the transaction on XX/XX/year> and the banks decision was " your dispute is resolved and no credit has been issued '' I have contacted the bank numerous times regarding this issue and and as of today XX/XX/year>, the bank has refused to give the XXXX  XXXX plus all the internet back.
Consumer complaint received 2023-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I contacted I.C Systems INC XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX to verify a debt on my XXXX credit report the representative could not provide an account number or any information regarding the debt that they are saying is owed.
Consumer complaint received 2024-05-17
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. (IL)

I understand that FCRA 605B requires the removal of any erroneous accounts from my credit report. Can you please verify the documents? Some accounts have been inaccurately reported, with incorrect amounts and dates.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (GA)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX A XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-06-26
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: Bread Financial Holdings, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
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. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (UT)

Mohela has been so difficult to work with. It is near impossible to get ahold of them and often when you do the person can't help. You should be able to request a new loan servicer. I want to repay my loans, I want to be organized and keep my credit high, but it is impossible to get ahold of anyone. I am on the wrong repayment plan. XXXX says my application for XXXX is pending because Mohela won't approve it until the courts make a decision, but still expect payments from me. That is completely unfair.
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (IN)

After the repossession of these vehicle that was primarily only used for use for a driving job with XXXX it was sold and even though it was in great condition I was left with a massive {$6500.00} balance. I made some payments but now I realize that this is unfair especially as it was to be used for work.
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6400.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024 I received a call, the caller ID coming across as Wells Fargo. The caller identified himself As a Wells Fargo employee and said he wanted to report some suspicious activity on my bank account. He read off some transactions in an area 2 hours away from my house that I did not recognize. I advised the caller that these were not my transactions. The caller then advised me he would cancel my current debit card and reissue a new one. The caller then transferred me to another line and had me create a new pin number which I did on my cell phone keypad. The caller also ask for my CVV code which I gave to him.The caller continued and said a new debit card would be on it's way within 7 business days. The caller had my home address he verified it with me The caller also offered me to stay on the line to wait for the XXXX tracking number. The next morning I checked my bank account there was more fraudulent activity. I immediately immediately called Wells Fargo customer service asking them to verify that my debit card had been cancelled. I was advised that it had not been canceled and was still in use. At that time I realized the call from the night before was a complete fraud I immediately filed a claim with Wells Fargo which they have continued to deny This fraud consist of 15 transactions totalling {$9600.00}. My case with Wells Fargo has been escalated, however, they continued to deny it, saying that the card was in my possession the whole time, my PIN number was used and they showed no evidence of any fraudulent activity. I've filed police reports in the 3 jurisdictions wheere these fraudulent activities have taken place. I'm also currently in the process of taking this fraud case to small claims court. My husband and I have been long time customers of Wells Fargo We have no criminal records we've paid off loans with Wells Fargo and have a good credit history. Unfortunately Wells Fargo is taking none of this into consideration They haven't even gone through the effort of obtaining video footage even though one of the transactions took place at their bank In XXXXXXXX XXXX At this point I'm looking for any help or suggestions. And I'm hoping the word gets out there because I'm sure I'm not the only victim. I'm also hoping word of my case gets out there in an effort to show people how Wells Fargo treats their victims of fraud and how they have handled this case without thoroughly investigating.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (UT)

On XX/XX/24, three fraudulent charges were posted on my Chase credit card. Once I noticed them, I contacted Chase to report them. Two of the charges were deemed fraudulent and my account received the credit. The third charge, for {$190.00}, was somehow deemed valid despite multiple protest calls to Chase. I also attempted many times to contact the company directly but despite emails and chat bot conversations, there is no way to reach anyone at the company. I requested contact information from Chase and even they could not seem to find contact information for the company. ( I reported the company, called XXXX, to the FTC but I have never heard anything back on that either. )
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX  ( OriginalCreditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XX/XX/2023.
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 trust this letter finds you in good health. I am writing to bring to your immediate attention a critical matter involving the unauthorized disclosure of my credit information. 
As an individual deeply impacted by my upbringing and surrounding environment, the protection of my personal data holds paramount importance. My unique circumstances have instilled in me a profound awareness of privacy and the crucial necessity for consent in the sharing of sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
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. (IN)

I am reaching out to ensure strict compliance with the Fair Credit Reporting Act ( FCRA ) regarding the accuracy and completeness of the information you maintain. I demand that only current, accurate, complete, and lawfully reported data be retained in accordance with FCRA regulations. Any information failing to meet these criteria must be promptly and permanently removed from your records, especially if it pertains to potentially damaging inaccuracies, whether known or unknown. 
Upon reviewing my credit profile, I have identified discrepancies, false accusations, and potential instances of fraudulent activity. The following personal information requires immediate attention : My legal full name is XXXX XXXX. Any other name variations must be expunged from your records unless accompanied by legal documentation proving the right to retain such information. I explicitly forbid the reporting of any middle name or initial. 

My accurate Social Security Number is XXXX. Any other SSN listed without my explicit authorization must be removed immediately, or you must provide legal justification for its retention. 
My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXX, Indiana, XXXX. 
Any other addresses, including previous ones, must be deleted from your records as they are non-mailable. Failure to do so will be considered a violation of my consumer rights unless supported by legal evidence permitting their retention. 
My date of birth is XX/XX/year>. Any alternative dates of birth listed must be expunged unless accompanied by legitimate documentation proving their accuracy.
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. (TX)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
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. (MI)

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information.Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

XXXX XXXX has not updated my account status from derogatory to settled/paid. 

XXXX XXXX  has not updated my account status from derogatory to paid. 

XXXX XXXX has not updated my account status From derogatory to paid. 

XXXX XXXX has not updated my account from derogatory to settled/paid. 

XXXX XXXX Has not updated my account from derogatory to settled/paid.