davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (KY)

My house was sold and closing occurred on XX/XX/. This account continues reflect this mortgage as an open account with XXXX  XXXX XXXX on my credit report dispite several disputes that this account is no longer active.
Consumer complaint received 2023-03-13
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. (OH)

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 : Dept of Education/XXXX Account number - XXXX Account name : XXXX XXXXl Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number - XXXX Account name : XXXX XXXX XXXX  Account XXXX - XXXX These accounts have 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 : 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 reporting agency if the person knows or has cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (TX)

To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : XXXX XXXX XXXX XXXX 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 Not only is it illegal for a 3rd party collection agency to even reach out to me to pay an old debt, the information is 100 % false! - inaccurate. I never gave anyone my written consent for anything.i DONT NOT OWE THEM!! NOT ONLY THAT WHY ARE CLOSE ACCOUNTS STILLS HOWING UP? I have no clue who that is. I WASNT EVEN IN SCHOOL ANY OF THOSE YEARS. I DEMAND YOU ALL TO DELETE THAT. 



I am demanding that both of these accounts be updated to paid as agreed and Never Late By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIACE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

My name is wrong!!!!! I also want to know where the fake names originated from. That is a lot of violations. There are XXXX name violations that are inaccurate as well!!!! No
Consumer complaint received 2024-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXXXXXX XXXX central time I called Wells Fargo from both of my numbers on file on the account I been having over 5 years since XXXX from the state of XXXX. Online banking is doing illegal stuff not trying to access my mobile banking through my XXXX XXXX and XXXX XXXX XXXX with two different numbers on my XXXX XXXX XXXX  account
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TN)

On this date XX/XX/year>, Trust Bank committed check fraud to pay themselves, pushing my account into negative to pay their own cash advance. After reporting negative Information to my credit report. There were no calls or warnings in their actions Amt : - {$200.00} Date : XXXX XX/XX/year> 2024
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KY)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-11-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I have contacted national credit systems on multiple occasions stating that the debt is not mines I have now filed a police report. this debt needs to be removed you guys also have invalid informations such as different balances and social security numbers and address. I WILL NOW BE REQUESTING LEGAL COUNSEL. Because you guys have failed to do a through verification validating the debt. You claimed you sent information I never got it. I was XXXX  at the time and I will provide documentation.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-10-30
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. (GA)

I am writing to express my deep dissatisfaction and frustration regarding several attempts I have made to correct the late open account and remove the charge-off from my credit report. I believe that there have been inaccuracies and errors on my credit report that are negatively impacting my credit score and financial well-being. 

Below, I am providing you with a summary of the issues I have encountered : I have repeatedly tried to correct the inaccurate late open accounts listed on my credit report. These late open accounts are not reflective of my actual credit history, and I have never been late on any open accounts. Despite my diligent efforts to rectify this issue, it persists, affecting my ability to access credit and other financial opportunities. 
Additionally, I have been working tirelessly to have the charge-off account removed from my credit report. This charge-off account does not accurately represent my financial history, and I believe it is an erroneous entry on my credit report. I have provided the necessary documentation and information to prove that this account should not be considered a charge-off, yet it remains on my report, causing severe harm to my creditworthiness. 

I have made numerous attempts to resolve these issues by contacting the respective creditors, submitting dispute letters, and providing supporting documents, but there has been little to no response or resolution from your end. I understand that accuracy in credit reporting is crucial, and I am committed to maintaining my financial integrity. 

I kindly request your immediate attention and action in investigating these inaccuracies on my credit report. I expect a thorough review of the information I have submitted and prompt correction of these errors. I also request that you provide me with written updates on the progress of this dispute and the results of your investigation. 

Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am prepared to take any necessary legal actions if these discrepancies are not resolved in a timely manner. It is my hope that such actions will not be required, and we can work together to rectify these inaccuracies promptly. I am asking for your assistance to correct or remove the accounts : XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/2020 I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. XXXX XXXX Balance Owed : {$0.00} I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I deposited {$200.00} and then deposited {$530.00}, and then the atm stopped working and none of my money was deposited and the bank wasnt able to retrieve my money. I talked to the people inside the bank and called the service hotline on my phone and made a claim, but wasnt able to receive my money. I am owed {$730.00}.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a credit card with Capital One on XXXX XXXX, XXXX  and recently in the past month I have attempted to close the account. I thought it was closed and paid off in full however a few days ago I was informed there were a few charges that came through either before I submitted to close the account or shortly thereafter which amount to less than {$50.00}. Instead of contacting me that I had these fees they only let me know after the payment date and attempted to keep the account open charging various fees which amounted to almost as much as those on the account. I paid the remaining balance in full but they are refusing to remove the fees or completely close the account.
Consumer complaint received 2023-03-13
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. (MO)

I have gone on experian.com to dispute an address that is on my credit report that doesn't belong to me. This was disputed on XX/XX/2023 it it was never removed. I've been at the address that's on my ID for a couple of years now.
Consumer complaint received 2024-04-30
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. (CA)

SEE ATTACHED FTC AND UCC 11 RESULTS FOR ALL FALSE LEIN HOLDERS AND A-L FINANCIAL ACCOUNT.

Blatant Violation of Consumer Rights and Potential Securities Fraud It has come to my extreme dissatisfaction that no clear and conspicuous consent was ever obtained from myself, the consumer, for the furnishing of credit reports by any creditor or credit reporting agency ( CRA ). Neither written nor verbal permission was granted for the reporting of my transactions, nor was I ever informed about the distribution of my personal information to third parties.

This blatant disregard for the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) is unacceptable. Congress explicitly prohibits the reporting of my non-public personal information without my clear and conspicuous opt-out, as outlined in 15 USC 6802 ( b ) ( 1 ). Despite this legal requirement, my information has been used by creditors, third-party debt collectors, and CRAs like XXXX, Equifax, and XXXX, not only resulting in identity theft but also potentially constituting securities fraud. 

Furthermore, my explicit request over XXXX months ago to block and remove these reports, as mandated by 15 USC 1681C-2, has been ignored. This blatant disregard for the legal timeframe of four days for processing such requests is a further sign of your negligence.

Be warned : 15 USC 1681 ( b ) demands that CRAs implement reasonable procedures for handling consumer credit information with fairness and equity. This includes ensuring confidentiality, accuracy, and proper utilization of data, all of which have been demonstrably violated in my case.

Your continued furnishing of these reports without my consent opens the door to potential securities fraud charges under my Congressional findings.

I demand immediate action. Cease and desist all further reporting of my personal information without my explicit authorization. Additionally, I expect a full and swift investigation into this matter, including the removal of all inaccurate information from my credit reports within the legal timeframe. 

Consider this a formal warning. I will not hesitate to pursue legal action against all involved parties if these violations persist.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

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 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Throughout, I've maintained punctual payments on this account, preventing any overdue instances. The origins of reported tardy payment remarks on my accounts are unclear to me. According to 15 USC 1666b - Billing Error, rectifications should be made.
Consumer complaint received 2023-10-30
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)

This is my 4th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-23
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 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, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 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 if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-10-30
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. (TX)

This is my 4th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-26
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX, XXXX # XXXX - BALANCE {$2200.00} Account Name : XXXX  XXXX # XXXX BALANCE {$0.00} Account Name : XXXX  # XXXX BALANCE {$0.00} Account Name : XXXX  # XXXX BALANCE {$0.00} Account Name : XXXX # XXXX BALANCE {$0.00} Account Name : XXXX XXXX # XXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX # XXXX BALANCE {$1700.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$0.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Reported incorrect addresses listed and these addresses were not removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX I don't and have never lived at the above addresses.

The following jobs were listed, but I do not know or have ever been associated with either job! 

XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the above listings as any previous employer of mine!
Consumer complaint received 2024-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

BETWEEN XXXX OF XXXX AND XXXX OF XXXXXXXX XXXX XXXX XXXX  / CHASE BANK ACCOUNT WAS HACKED AND I HAD OVER {$5000.00} TAKEN FROM ME AND I HAD NO IDEA AS IT DIDN'T SET OFF ANY ALERTS AND CHASE OR XXXX  DIDN'T ALERT FOR ANY POSSIBLE FRAUD I REACHED OUT TO CHASE ON XX/XX/XXXX THEY DID AN INVESTIGATION BUT CAME BACK WITH BARELY ANYTHING FOR ME AND I CAN'T BELIEVE THEY DID ANY KIND OF INVESTIGATION OR FRAUD FOLLOW-UP AS A BANK SHOULD. 

THEY TOLD ME THEY COULD ONLY HELP FOR A SHORT TIME AND GAVE ME GET THIS {$20.00} BACK. 

CHASE WHO HAD NOT SECURELY MESSAGED ME OR ALERTED ME TO POSSIBLE FRAUD AT ALL WAS NOT HELPFUL IN THE MATTER AT ALL IN THE LONG RUN NOT ONLY WERE THEY NOT ABLE TO HELP BUT THEY ALSO DELETED THE RECORDS FROM SECURE MESSAGING AND NOW I CAN'T ACCESS WHAT THEY SAID EVEN THOUGH IT WAS ONLY A FEW MONTHS AGO AND THEY HOLD RECORDS ON SECURE MESSAGES SO THEY SAY FOR 90 DAYS. I HAD A COUPLE PICTURES AT LEAST THAT I CAN SEND ALONG BELOW CHASE REFUSED TO HELP AT ALL IN PERSON, ON PHONE OR EMAIL. THEY WERE NOT INTERESTED IN ANYWAY. THEY EVEN TOLD ME " YOU'LL GET IT BACK BUT WILL TAKE TIME AND HAVE TO DO A FRAUD REPORT AND INVESTIGATION '', AND NO THAT DIDN'T HAPPEN IT WAS A TERRIBLE EXPERIENCE I'VE NEVER BEEN TREATED WITH SUCH LITTLE CARE BY A BANK. 

AT THIS POINT I EVEN START TO THINK SOMEONE AT CHASE DID THIS TO ME