davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (OR)

I paid my credit card using bill pay. I have never been late on a payment. For some reason they did not pick up the payment. I submitted all proof for a year over and over again that I paid the card. The month after they did not pick up the payment, I paid the card in full minus the late fees, and increased interest. I have been a customer for probably fifteen years and never had any problem, the account was paid in full but they kept sending be bills and adding more interest. I dealt with them month after month for a year in writing. On XX/XX/XXXX I called and asked to speak to a manager. The man I spoke to understood my frustration and said I don't know how long it will take to resolve this, but if you send {$90.00} of the {$340.00} balance that is due, I will make it all go away. After, dealing with this for months, I decided to take him up on his offer. I have his name and reference #. To my surprise I got another statement today, XX/XX/XXXX with a balance due of {$60.00}. I tried to call them, but can not get through as I do not have the whole fifteen digit account number. I only have a partial number as the account is closed and I no longer have the card. You can not even talk to anyone, now with out a full card #. I am just done.
Consumer complaint received 2023-11-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NC)

Rewards program has a cash back on select stores shipped at with wells fargo and they are shorting me many a XXXX  on my stores purchases with the rewards program at wells fargo. Have not recieved many of rebates and shorted XXXX XXXX on another.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

On XX/XX/XXXX I received the following message from XXXX, but they continue to report to all three credit reporting agencies that I still have a balance owed. When I check my account at XXXX it shows XXXX balance. 

Your XXXX loans have been forgiven. 

Please log in to your inbox at XXXX to view the full message. 

XXXX, Congratulations! The Biden-Harris Administration has forgiven some or all of your federal XXXX  loan ( s ) with XXXX in full. 

This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your XXXX loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XX/XX/XXXX. 

Log in to your account for details at XXXX. 

WHAT YOU NEED TO KNOW Here are some important points on this IDR forgiveness : Due to the American Rescue Plan Act of 2021 the balance of your loans that were forgiven is not considered taxable income for federal income tax purposes. Since state and local tax implications will vary, we recommend you contact your tax advisor for more information. 
Not all your federal XXXX loans may be listed in the letter delivered within your account as you may have begun repaying each loan on a different date. If you have federal student loans that are not listed in the letter, please continue to make payments on them. Payments are not required until after the payment pause ends at the end of XXXX. Your first payment will be due in XX/XX/XXXX. To find options to help with repayment, visit XXXX. 
We have notified, or will notify by the end of the month, all national credit bureaus of your XXXX  loan forgiveness. 
If applicable, well process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. 
NOTICE : This letter is NOT an attempt to collect a debt or a demand for any payment. 

BEWARE OF SCAMS You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You never have to pay for help with your federal XXXX aid. Make sure you work only with the U.S. Department of Education and their loan servicers ( like us ), and never reveal your personal information or account password to anyone. Our emails come from XXXX or XXXX. Emails that the U.S. Department of Education sends to borrowers come from XXXX, XXXX, or XXXX. You can report scam attempts to the Federal Trade Commission by calling XXXX or by visiting XXXX. 

HOW TO CONTACT US For information regarding your XXXX loans and the forgiveness process, please contact us at XXXX, or online at XXXX. 

Sincerely, XXXX
Consumer complaint received 2024-01-05
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. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681 XXXXXXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-04-22
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: EQUIFAX, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-09-03
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. (FL)

Subject : Unauthorized Removal of 15 Tradelines Causing a Drastic Credit Score Decrease To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Equifax Credit Bureau for a significant and unauthorized removal of 15 tradelines from my credit report, which has had a detrimental impact on my credit score. This action occurred between XX/XX/, and XX/XX/. 

On XX/XX/, my Equifax credit score was reported at XXXX, indicating a stable credit history and financial responsibility. However, within just 11 days, my credit score plummeted by an astonishing XXXX points to XXXX. This drastic change has caused immediate and severe consequences for my financial well-being. 

The unauthorized removal of the following accounts from my credit report occurred during this period : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts encompass various types of credit, including credit cards and installment loans. I had responsibly managed these accounts, and their presence on my credit report was crucial for maintaining a healthy credit score. 

The removal of these accounts is in direct violation of the Fair Credit Reporting Act, which stipulates that closed accounts typically remain on a credit report for seven years. The sudden disappearance of these tradelines has unjustly affected my creditworthiness and overall financial stability. 

I have attached a copy of my credit report from XX/XX/, for your reference. This report reflects the accurate and positive credit history I maintained before Equifax 's unauthorized actions. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action against Equifax Credit Bureau for their unauthorized and detrimental actions on my credit report. I seek a resolution that includes the immediate restoration of the 15 removed tradelines to my credit report and the rectification of my credit score to its previous standing. 

I appreciate your attention to this serious issue, and I trust that the CFPB will act promptly to rectify this situation. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-19
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX  XXXX
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (TX)

I have submitted disputes to XXXX, XXXX, and Experian regarding inaccurate information reported on my credit report. I provided detailed information about the accounts in question and notified them of the violations they have made to my consumer report. Despite the mandated XXXX response period, I have not received any response from them. Attached are copies of all the letters I have sent for your reference.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

A woman was using my bank account ( both routing and account number ) to pay her XXXX XXXX  XXXX  bill. Our account numbers are one number off from one another ( This looks to be an honest mistake ). At first, the amounts debited out of my account were small, {$70.00}, and to a lender, XXXX, that I have used so I didn't realize it wasn't my account until two transactions of {$250.00} were taken from my account on XX/XX/XXXX. I looked back through my account and realized the transaction have been coming from my checking account since XX/XX/XXXX and it is now XXXX. In total {$1200.00} was taken from my account. When I contacted Chase to get my money back, they refunded me the first 90 days worth of transactions from the date in which the ACH 's were coming out of my account, totaling {$340.00}. I am still out {$950.00} and Chase told me to contact XXXX XXXX  in order to get my money back. I called XXXX  and they told me because I am not the account holder, I can't report fraud. I have gone through all the avenues to get my money back and no one can help me. Chase won't do anything further, XXXX won't talk to me. I have filed a police report and a fraud report with Chase but nothing is being done to help me.
Consumer complaint received 2023-11-23
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. (FL)

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor benet from any of the following inquiries. Block and remove them.
Consumer complaint received 2024-04-20
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)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Personal Information 1. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX The personal information is incorrect - please remove this from my credit report immediately Accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX - This account is being reported inaccurately, please remove this from my credit report immediately 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 XXXXXX/XX/year>. - This inquiry was not authorized, please remove it from my credit report immediately
Consumer complaint received 2023-09-03
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. (OH)

I currently have four fraudulent accounts appearing on my credit report. 
XXXX. XXXX and XXXX {$16.00} XXXX. XXXX XXXX XXXX {$240.00} XXXX. XXXX XXXX {$190.00} XXXX. XXXX XXXX {$230.00} XXXX. XXXX XXXX XXXX $
Consumer complaint received 2024-01-05
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)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS ATTYGENERL Account Number : 1122 Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL ACCOUNTS AND INQUIRES REPORTING ON MY ACCOUNT THAT IS FRAUDULENT. PLEASE REMOVE INFORMATION FROM MY REPORT. IVE CALL CREDITORS MULTIPLE TIMES AND NO RESPONSES WAS MADE.
Consumer complaint received 2024-01-05
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. (WI)

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 Number : XXXX XXXX XXXX ( {$1000.00} ), XXXX XXXX XXXX XXXX XXXXXXXX  ( {$380.00} ), Acct Number : XXXX XXXX XXXX  ( {$110.00} ), Acct NumberXXXX XXXX XXXX XXXXXXXX ( {$430.00} ), has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 ( 7 ) 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 2023-09-19
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: Experian Information Solutions Inc. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GREENSKY OPERATIONS, LLC (MA)

I have been contacted by this company for years and have told them the debt did not belong to me someone illegally used my information and that if it did then the company can provide ( Wet signature proof from original creditor ) but was denied that information. Also was told by manager that they are not removing collection claim so in result of that I will be needing to sue for false claims and a violation to my rights.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am currently in the process of trying to purchase a home for myself and my family. I've tried to contact the companies many times since XX/XX/2023, to get the issue resolved of the fraudulent accounts reporting to my credit report. These fraudulent accounts are a defamation of my character and livelihood. The company continue to respond saying the information was verified and accurate, without sending proof of the verified information to be accurate. It is impossible for fraudulent accounts to be verified and accurate if they're fraudulent.