davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

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

Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

. FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (IN)

I have tried to login to MyLoanCare account for over a week now to make my mortgage payment.Finally saw the message that the company is having security issue and that no delinquency fees will be charged and will not notify late payment to the credit bureau. Will let us know when the site will be back again.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I am writing to express my dissatisfaction with the process of cancelling and deleting my Experian account. On several occasions, I have attempted to navigate your website with the intention of permanently cancelling my account and ensuring that all of my personal information is removed from your systems. Unfortunately, the absence of a clear and functional 'Cancel Account ' or 'Delete Account ' option on XXXX has made this a frustrating and time-consuming ordeal. 

In my attempts to resolve this matter, I have utilized your customer service phone system. While I was given a confirmation number through the automated service, there has been no follow-up communication or indication that my account has been terminated and my data expunged as per my request. The issuance of a confirmation number, without any real confirmation of action taken, is not only ineffective but also causes concern regarding how my sensitive information is being handled. 

Given the sensitivity of the data you possess and the implications for my personal privacy and financial security, this matter should be treated with the utmost urgency. I expect a service that allows individuals to have control over their personal information, including the ability to easily discontinue and completely delete their account when they choose to do so.
Consumer complaint received 2023-12-12
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

On XX/XX/XXXX I initiated " a direct deposit funds transfer to checking/savings '' for the amount of {$4900.00} from my Bank of America Prepaid Online account to my Bank of America checking account ( not prepaid ). After I confirmed the transfer the money was immediately taken out of my account, I never received the transfer to my bank of America checking account. I didn't notice immediately, the first time I submitted a claim was XX/XX/XXXX. It's an ACH transfer and submitting the claim was different compared to disputing a debit card purchase, I was first told to wait a week or two ; but the claim was open for over six months before they denied it for the first time. Throughout those six months I called once a week and spoke with a new agent, and specialist every time. ( One of them told me I was definitely going to get my money back because this was an obvious glitch in their system ) after about a year I let it go. End of XXXX they start sending me emails to submit a claim once a month, I believe I submitted one or two claims in the year of XXXX. XX/XX/XXXX I received an email saying they denied my claim, but I never reopened it to be denied. I received letters by mail saying the same thing, so I call them and reopen the claim, this time I send them bank statements showing I never received the deposit in the destination account. ( I used this account multiple times after to do the same type of transaction and NEVER had a problem ) They still denied my claim. They will not give me a reason why.
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2024-03-29
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: Experian Information Solutions Inc. (NY)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2023-11-06
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: JPMORGAN CHASE & CO. (VA)

On my XXXX credit report it was multiple inquiries from JPMCP Card Bank that I have no knowledge of. The recently did ( XXXX ) inquiries and I didnt havent authorized anything. I want it the deleted off my XXXX credit report.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo needs to give us back our money that we were scammed out of through XXXX. We did not willingly send these people money - we were under the impression we were speaking with Wells Fargo. And according to the article, the XXXX considers this fraud because we were tricked, making these transaction NOT voluntary, and therefore treated like an unauthorized transaction. 

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. 

My XXXX got a Wells Fargo text message asking to verify a XXXX transfer, he replied no. The accurate Wells Fargo fraud number shown on their website called my husband right after so he answered. All sounded normal like Wells Fargo, they asked to transfer XXXX money over to WF to block the other transfer and it would be put right back into our account. XXXX charges of {$3400.00}. They said there was also an {$18000.00} wire transfer initiated, he said we did not authorize that. Wells Fargo said the wire department would call him Monday. They called, had my husband wire transfer over {$2300.00}, and {$25.00} - as well as XXXX {$200.00}, and {$800.00}. I immediately called Wells Fargo fraud because I knew he was being scammed even though my husband thought he was helping. We opened up a claim for each charge. Today we got a letter saying the wire transfers couldnt be given back since the bank the money went into would t give it back to them, so our inquiry is closed. We also got another letter saying the {$3400.00} charges claims were denied. Havent heard anything about the XXXX charges yet. But we are now out over {$11000.00} - with the main point being the real and accurate Wells Fargo fraud phone number IS who called us. 

We were given the XXXX money back - and Wells Fargo took it back out of our account last week saying it wasnt a scam or fraud and the money was intended to be sent. Now I will file more claims against Venmo- we also reported the account transferred to XXXX as it was obvious they were doing this to other people. 

I will continue to fight this, as this was not voluntary and banks have billions in insurance. Simply telling people Wells Fargo would never ask you to send money is OBVIOUS now, and not helpful! People are getting scammed out of all their money, and have NO protection from banks, even though its the BANKS real Fraud number calling!
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc. (FL)

This is regarding ongoing federal violations of my privacy rights and applicable federal laws related to the sharing of my personal information without consent. 

SELF FINANCIAL INC. continues to furnish consumer reporting agencies with my personal information, financial transactions, and credit experience data without my permission. This is in direct violation of my express revocation of any implied or verbal consent that may have previously been in place. 

By furnishing my social security number and other personal data without consent, SELF FINANCIAL INC is committing identity theft pursuant to 5 U.S. Code 552a ( b ), which states : " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. '' ALSO, By SELF FINANCIAL INC. furnishing my data after revocation of consent, they are in violation of : Privacy Act of 1974 ( codified in 5 U.S. Code 552a ) which prohibits disclosure of any record contained in a system of records about an individual without the written request or consent of that individual. You are violating this law by disclosing records containing my personal financial information to credit bureaus without my written consent. 
Fair Credit Reporting Act Section 6802 which requires financial institutions to provide consumers with a notice explaining their right to opt-out of personal information being shared with unaffiliated third parties. I never received any such opt-out notice from your company before you shared my data. 
Fair Credit Reporting Act Section 6803 which mandates financial institutions must give advance notice and an opportunity to opt-out before disclosing personal information to a nonaffiliated third party. You failed to provide me any such advance notice or chance to opt-out before furnishing my data. 
Fair Credit Reporting Act Section 6804 which gives consumers the right to direct that their personal financial information not be disclosed to a nonaffiliated third party. By never providing me an opt-out method yet still disclosing my information, you have violated my rights under this provision. 
12 CFR 1016.7 which requires financial institutions to provide notice of the right to opt-out of personal information sharing and a reasonable means to exercise that right before disclosing data to a nonaffiliated third party. You did not provide me either such notice or opt-out method. 

I attached SELF FINANCIAL INC 's card holder agreement, no where does it provide an opportunity to opt-out of any sharing of my information at the initial sign up with their offer, nor was one provided on a monthly basis as required by law before sharing my data with consumer agencies.
Consumer complaint received 2023-03-12
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. (OH)

I have been a victim of identity theft and I have tried to have the items blocked from my reports. Each bureau is reporting different accounts which is also against the FCRA. There are several account on my report that do not belong. I have also submitted an Identity theft report.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

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 2023-09-22
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To whom it may concern I am writing to dispute the following information on my credit report and have the following information on my credit report and have the following information removed from my credit file. The items I need deleted I have them listed for below. I am a victim of identity theft and didn't make any of the following inquiries. I demand these inquiries be removed from my credit profile. Please delete these items as soon as possible. Fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602, states I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose. On XXXX Credit XXXX account # XXXX Late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
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)

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

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I kindly requested that the companys verify the provided information Ive provided them and update my personal information records accordingly. Additionally, I requested them to uplift and remove any block for promotional purposes and the legislative security freeze on my credit report..And companys did nothing that was asked of them
Consumer complaint received 2023-04-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed Account Name : XXXX Account Number : XXXX Sent certified mail to Transunion : XX/XX/XXXX XXXX second request ) Sent certified mail to XXXX : XX/XX/XXXX Sent certified mail to XXXX : XX/XX/XXXX Credit Bureaus, Transunion, XXXX XXXX and XXXX, all three stated that the accounts were properly investigated and verified the accounts and information as accurate but the information for the account is still inaccurate. The date opened, the date last active, high credit and the date last reported are all inaccurate still. The payment history is incorrect and also not reporting correctly and Transunion does not report any payment history at all. How can this account be verified as accurate when nothing is accurate or reporting correctly or consistently? This is grounds for immediate removal and they have also violated my rights under 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. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my credit report.

They have had plenty of time to actually verify and correct any errors but still have not and just keep sending back that the account is verified wasting my time and doing personal harm to me.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (TX)

I opened a checking account with Ally bank on XXXX. I depositing money by signing into my existing bank through their portal and transferred money. Then the next day the account said it was locked due to fraud. I have called several times and been hung up on, and called a person commuting fraud by lying about my identity. Despite answering all questions to verify my identity. They told me I could expect a call back from a manager in 24-48 business hours. They have taken my money and are holding it without any explanation.