davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my first 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 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 2024-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

XX/XX/XXXX A fraudulent charge of {$1400.00} was noted on the debit card. On the same day, another charge for over {$2000.00} was denied because it pushed over the daily spending limit. This attempted charge no longer appears on my account. One charge in Texas ; the denied charge in Maryland. We live in North Carolina and have never been to these locations. Within an hour I froze my account and notified Wells Fargo Bank. I filed a fraud claim over the phone, and during the call I explained the entire situation. Within two days the money was returned to my account as provisional credit. 

After hearing nothing of the investigation, on XX/XX/XXXX I was notified that the investigation was closed and they would be taking the money back. In the denial letter, they stated that part of their reason for denial was due to me not providing them information they requested. This is false, as they never made an attempt to reach out for any additional information regarding the claim. 

I am a XXXX XXXX XXXXXXXX XXXX XXXX. My purchase history on the account is usually in considerably lower amounts and certainly not for home improvement items -- this alone should have caused the Bank to see this as fraud. The purchase was made by a merchant who entered the card number manually, and so there was no identification and no physical card for such a large transaction. The fact that a second attempted charge in yet a different state should have satisfied the investigation at Wells Fargo. 

XX/XX/XXXX After multiple conversations with multiple Fraud Team members at Wells Fargo, as well as attempting to meet with someone at a local Wells Fargo branch, I have no choice but to report the issue and ask for your help.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (GA)

On XX/XX/2023 I sent all 3 CRAs a letter about illegally furnishing recent and high balances aka utilization on several credit cards I have. They credit card companies had 15 days to follow FTC guidelines and XXXX XXXXXXXX was the only one to do so with one bureau which is XXXX. Ive been waiting well over 15 days for an update or response. These companies are all the same so why was XXXX XXXX the only company in compliance with these regulations and laws. Reporting recent and high balances is a violation of the Privacy Act of Consumer Financial Information of the Gramm Leach Bliley Act. Meaning if my limit is {$6800.00} no CRA should furnish recent and high balances ( transactions and my private information on a private account ) publicly over {$6800.00}. FCRA 15 U.S.C. States consumer reports does not contain any report containing information solely as to transactions and experiences between the consumer and the person making the report. Therefore the credit card companies violated FCRA, my privacy rights and FTC regulations. Transactions and experiences are recent and high balances that should not be publicly furnished on my private credit report.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions bl
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. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (OH)

Disclosure rights Unauthorized Disclosure, is the communication or physical transfer of classified information or controlled unclassified information, to an unauthorized recipient. ( 15USC 6802opt out ) 16 ( CFR 313.7-433.2 433.3
Consumer complaint received 2024-02-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PNC Bank N.A. (PA)

Date : XX/XX/2024 Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX Phone # XXXX Email : XXXX Collector Name : PNC Bank Collector Address : XXXX XXXX XXXX XXXX, OH XXXX Account # XXXX RE : Dispute of Debt and Violation of Consumer Rights Dear PNC Bank I am writing to dispute the debt referenced above and allege violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Debt Validation : I have received your communication regarding the alleged debt, but you have not provided the required validation information as outlined in XXXX2 CFR 1006.34 and B5 of the FDCPA. This regulation states that you must send a written validation notice within five days of your initial communication, containing details such as the amount of the debt, the name of the original creditor, and the date of the last activity on the account.

Failure to Dispute : Furthermore, your actions violate 12 CFR 1006.34.c4i of the FDCPA, which requires you to provide me with a reasonable opportunity to dispute the debt before taking any further action. I have not been afforded this opportunity.

Consumer Reporting : Despite the lack of validation and dispute opportunity, you have reportedly placed this debt on my consumer report. This constitutes a violation of 12 CFR 1006.34 ( d ) of the FDCPA, which prohibits debt collectors from reporting inaccurate or unverified information to credit reporting agencies. Additionally, it violates 15 U.S.C. 1681s-2 ( a ) ( 3 ) of the FCRA, which prohibits furnishing incomplete or inaccurate information to credit reporting agencies.

Demand : I demand the following immediate actions : Provide written validation of the debt as per 12 CFR 1006.34 and B5 of the FDCPA. 
Cease all collection efforts until the debt is validated. 
Remove the debt from my credit report if it has already been reported. 
Provide written confirmation of these actions within 30 days. 
Further Action : Please be advised that if you fail to comply with my demands, I will be forced to pursue further action, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal counsel. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-07-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (TX)

Used the best category list above. My credit card XXXX XXXX XXXX XXXX determined to reduce my credit limit from $ XXXX to $ XXXX as a result of non-activity ( use ). The information was reported to Experian ( my credit monitoring service ) and then I was notified that my credit score had been reduced as a result of XXXX XXXX 's action. I was not delinquent, and the balances had been paid for over a year. My compliant is against the algorithms used by Experian that uses the information as a negative that reduces my credit score as a result of my decision to be as debt free as possible using cards as a second alternative. The US government talks about the debt of America then we get penalized by the credit bureaus based their calculations of a score. I am now rated in the " good '' credit category rather than the " very good category '' for actions of the credit card. The credit score is the basis of better interest rates to buy goods and services and it is collusion between the credit card companies and credit bureau in their algorithm derived score that pushes more use of credit by XXXX XXXX XXXX XXXX for non use of the card and Experian for the actions of not using the credit cards derive fees and interest charges. THE FTC needs to investigate the algorithms that is affecting US citizens such as this where are rendered powerless XXXX. Obviously now that I am just a good credit customer, XXXX XXXX and other credit facilities can not charge me more interest based on the actions XXXX and not based on my consideration to pay cash for fertilizer and flowers, etc. When I do not pay my bills on credits based on the conditions I expects the actions XXXX to be reflected accordingly. However when I who have expressed my history of being credit worthy but by the actions of XXXX XXXX and Experian, I have no consumer power to use credit and debt free in the best manner. THE FTC should review all credit bureau algorithms to ensure it maintains independence and fairness with its reporting of information and now so important Credit Score that drives how we obtain and pay for things in the marketplace. This would great for " 60 Minutes ''.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have looked on my credit consumer report an Capital One is reporting one my report an I never had a Capital One card or account I read that in the u.s. codes that its illegal for them to put wrong information on your credit report I called an request the original documents but no response can you help an here are the u.s codes 15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies. Section 15 USC 1681b specifically addresses the permissible purposes for which consumer credit reports can be accessed and used by third parties. Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports include : 1. Credit transactions : When a consumer applies for credit, such as a loan, credit card, or mortgage, the creditor has a permissible purpose to request and obtain the consumer 's credit report to assess their creditworthiness. 2. Employment purposes : Employers may request and obtain consumer credit reports for employment purposes, but only with the written consent of the consumer. This typically applies to positions that require financial responsibility or access to sensitive financial information. 3. Insurance underwriting : Insurance companies may request and obtain consumer credit reports for underwriting purposes, such as determining rates and eligibility for insurance coverage. 4. Court orders and legal requirements : Credit reports may be accessed and used in response to a court order, subpoena, or other legal requirement. 5. Legitimate business needs : Other legitimate business needs, as defined by the FCRA, may also constitute permissible purposes for obtaining consumer credit reports. This typically requires a valid reason and compliance with applicable laws and regulations
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MI)

My complaint is that LexisNexis failed to verify inaccurate, incomplete, and irrelevant information before placing it in my consumer file, where it remained for years, causing me harm. Some of the information they reported conflicted with other details in their own reports, such as indicating that my vehicle was totaled while also reporting it as covered under the same policy periods. Furthermore, they continued to report that vehicle as insured for years after they initially marked it as totaled. In reality, the vehicle was never totaled, yet LexisNexis has been reporting this false information since XXXX without proper verification. 

I contacted LexisNexis multiple times during XXXX, XXXX, and XX/XX/XXXX. Despite my repeated requests, they failed to provide a complete disclosure of my file and did not remove all unverifiable information from my record. Although they removed some information from the LexisNexis consumer report, they neglected to do so from the LexisNexis XXXX . report, database, and my entire file. Upon my request for reinvestigation, they reviewed the disputed information and concluded it was unverifiable, yet they still did not remove it from my entire file. I am requesting that LexisNexis remove all inaccurate and unverifiable information from my entire file and that they be held accountable for their willful negligence.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I have recently reviewed my credit report and noticed unauthorized inquiries on my report. The inquiries are Credit Accept CORP/CAC, XXXX XXXX XXXX , and XXXX XXXX. I'm in a state of distress, as these unauthorized inquiries have affected my credit score. I'm requesting these inquiries to be removed.
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I purchased a laptop online from XXXX in XX/XX/XXXX as a XXXX present for my mother. Apparently, the package was stolen, as it was never received. I paid for it with PayPal Pay in four ( payments ) which were completed in XXXX  of XXXX. I went through the entire process of filing a police report about the missing item, and XXXX has said they've refunded me for the purchase ( {$230.00} ). However, PayPal keeps telling me that they can not locate the refund, apparently because their systems only go back as far as 180 days ( the refund was applied to the original transaction ID and PayPal 's system won't allow that because it's too far back ). So now, PayPal says they don't see the refund anywhere, XXXX will not issue me a refund directly because they state they have already issued the refund to the original payment method, and I'm just out {$240.00}. 

I have spent literally dozens of hours on the phone with PayPal, XXXX, and my bank in the past five months ( including having to get both PayPal and XXXX on the phone TOGETHER at the same time ) and NO ONE will resolve this. This is the XXXX customer experience I've ever had XXXX not to mention the stress of all this, plus losing the money - and no one cares!
Consumer complaint received 2024-03-23
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO. (NY)

On the night of XX/XX/XXXX, we discovered that our phone had no signal. We immediately tried to log into our bank account and found that our password and account had been changed by someone else! Since it was late at night and we couldn't go to the bank, we contacted the customer service of the bank over the phone to have our account frozen. The next day, on XX/XX/XXXX, we went to the bank to inquire about the situation. It turned out that someone had changed our information over the phone and even changed the address to the thief 's address! On that day, we went to the counter to change our information back. The bank staff assured us that our account was now secure. 

However, on XX/XX/XXXX and XXXX, the thief made two transfers online, XXXX for XXXX and the other for XXXX, to an account with the name XXXX and ending in XXXX. The thief also transferred money from that account to a company credit card ending in XXXX for repayment ( the credit limit of the XXXX XXXX XXXX XXXX credit card was already maxed out, which can be verified by the bank ). We felt that the bank 's security system was clearly compromised and requested the bank staff to provide us with information to report to the police, but they refused and assured us that the stolen money would be returned. On XX/XX/XXXX, the bank temporarily credited us with XXXX and XXXX. Due to concerns about personal information leakage, we closed the company account with the remaining balance. 

In XXXX, we received a letter from the bank requesting repayment of the XXXX. We immediately contacted the bank staff at the counter, who checked our account and confirmed that the balance was XXXX, advising us not to worry. However, on XX/XX/2024, we received another reminder from the bank to repay the XXXX.
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: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XX/XX/XXXX
Consumer complaint received 2024-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO. (NY)

I applied to Chase credit card and received in the mail about identity theft. I have since called chase customer service, went into branch to send in documents including my id and ssn and called and followed up with security department at chase credit card. Each time, they can not verify my identity and the chase system seems to be unable to send me a text. However, the phone number is my own, and all the information I submitted are my own. The chase verification questions when the text does not work is completely irrelevant to me. I think the Chase fraud detection is mistreating my profile and resulting in Chase unable to verify my identity.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My house closed on XX/XX/XXXX. Funds were dispersed on XX/XX/XXXX and received on XX/XX/XXXX. XXXX XXXX Mortgage and all the liens have been updated on my credit report. XXXX XXXX XXXX account amount has never been updated. I get a different answer every time I call XXXX XXXX. XXXX person said they updated last Friday of the month. Another said it was the XXXX of every month. I called Experian. I filed a dispute. They said it would take 30 days. I called again. I keep getting XXXX with XXXX XXXX at Experian. First he told me it was too early to know and it hadn't even been investigated yet. I got an email the next day that said it had been resolved and they said that they contacted XXXX XXXX and were told the account was still open and due. I called XXXX XXXX again and they said that they had reported it as closed and paid. I told XXXX at Experian I had all the lien release documents to prove it had been paid. He told he I could upload it at Experian so I took pictures of the documents and tried to upload them but it kept timing me out and then told me it had to be in a pdf format. Someone is lying. XXXX XXXX XXXX is lying or Experian is lying. Why would he tell me XXXX thing on day and another thing another day. Something is very wrong.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am disputing information on my credit report that I believe is inaccurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that my credit report is accurate. I have attached a letter detailing the inaccuracies I have identified. I request a thorough investigation into these discrepancies and for the appropriate corrections to be made. Thank you for your attention to this matter.
Consumer complaint received 2024-04-24
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)

XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX/ Hard Inquiry These accounts do not belong to me. This dispute is not being used as a form of credit repair.