davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

There were XXXX XXXX transfers taken from my bank account from Wells Fargo bank totaling {$870.00}. Wells Fargo states that me or someone I gave authority to made the transactions to an unknown person and there was no other processing errors by the bank. 
I was left with {$.00}. I did not XXXX money to anyone leaving me and my wife both XXXX seniors without food or medications necessary to sustain us. I am an XXXX XXXX XXXX veteran who has never sent a XXXX and am technologically challenged. I need to make a complaint against Wells Fargo bank.
Consumer complaint received 2024-03-18
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. (MD)

To whom it may concern I reached out to all three of the reporting credit agencies and no one has been able to provide me with proof that this account belongs to me. I also reached out to the merchant, who also couldnt provide information the account belonging to me. Please find the attached letterhead, indicating that I have no account with the company reporting on my credit report.

This account is 8 years old This is Hindering me from obtaining employment
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Subject : Request for Account Deletion due to XXXX  XXXX XXXX XXXX Violations To Whom It May Concern, I am writing to formally express my deep concern regarding the ongoing credit reporting inaccuracies and violations committed by XXXX XXXX XXXX XXXX, which have adversely impacted my financial well-being. I have taken every possible step to rectify this situation and seek your intervention to address the matter in accordance with the provisions of the Consumer Financial Protection Bureau ( CFPB ). 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the framework of the Fair Credit Reporting Act, I have reason to believe that XXXX XXXX XXXX XXXX is in violation of 15 US Code 161s-2 ( 1 ) ( A ), which explicitly prohibits the furnishing of consumer information to credit reporting agencies when the furnisher knows or has reasonable cause to believe that the information is inaccurate. Despite my efforts to rectify these inaccuracies, XXXX XXXX XXXX XXXX has continued to report erroneous information to XXXX, Equifax, and XXXX. 

Furthermore, XXXX XXXX XXXX XXXX 's actions are in violation of 15 US Code 1681 ( a ) ( 1 ), which underscores the vital role of fair and accurate credit reporting in maintaining the efficiency of the banking system. Inaccurate credit reports not only impair the functioning of this system but also erode public confidence, which is paramount for its continued stability. XXXX XXXX XXXX XXXXXXXX XXXX disregard for these regulations is causing significant harm to my financial standing. 

I have made repeated requests to XXXX XXXX XXXX XXXX for the prompt removal of this erroneous account from my credit reports. Unfortunately, my efforts have been met with continued violations, misrepresentations, and a lack of resolution. Despite my repeated attempts to rectify this situation, my credit reports remain plagued by inaccuracies that hinder my ability to secure loans, housing, and other financial necessities. 

I implore the Consumer Financial Protection Bureau to intervene on my behalf and compel XXXX XXXX XXXX XXXX to rectify this situation immediately. I kindly request that you investigate this matter thoroughly, hold XXXX XXXX XXXX XXXX accountable for their violations, and ensure that the inaccurate account is removed from my credit reports without delay. 

I have attached supporting documentation, including correspondence with XXXX XXXX XXXX XXXX, credit reports, and any other relevant information, to assist in your investigation. 

I appreciate your attention to this matter and trust that the CFPB will act in accordance with its mission to protect consumers from unfair and abusive financial practices. I eagerly await your response and the resolution of this pressing issue.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!XXXX XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!!!! XXXX XXXX XXXX FRAUD, PPLEASE DELETE!!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 

I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 

Please manage your responsibilities accordingly.
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute the accounts on my credit report that are a result of identity theft. I have recently discovered that my personal information was compromised, and as a result, these accounts were opened fraudulently without my consent. The accounts in question are : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$610.00}XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00}, and XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I want to inform you that I have already reported this incident to the bank, and they have agreed to remove the accounts from my credit report. I request that you remove these accounts immediately from my credit report as well. I am deeply concerned about this situation and fear that this may happen again in the future. I request that you take all necessary steps to prevent this from happening again and inform me of the steps taken. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Consumer complaint received 2023-10-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: 3rd Generation, Inc. (GA)

On XXXX XXXX @ XXXX XXXX  my boyfriend ran down the stairs to stop a towe driver trying to repo my car.He woke me up by screaming my name. As I came down the stairs to try and make sense of things the towe driver said he was sent by my finance company! California Auto Finance XXXX XXXX XXXX XXXX XXXX CA XXXX. There phone number is XXXX XXXX XXXX. I tried to get in contact with them but I'm not getting an answers. The towe driver gave me a card and the name of the company is ASAP phone number XXXX XXXX XXXX.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (PA)

I noticed on my XXXX credit account today a creditor, Barclays XXXX on my account. Barclays Bank-Delaware account was said opened XX/XX/23. XXXX Acct #. I called Barclays Bank-Delaware and they reported they could not help me without an acct number. 
I filed a dispute report with XXXX XX/XX/23. Dispute Report # XXXX. Was referred to XXXX. This site referred to your site, given the nature of my dispute. 

Credit card company told me to call XXXX referred me to XXXX who referred me to you.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

According to the FCRA you are in violation of code 15 USC 1681 ( A ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Subject : Request for Account Deletion due to XXXX  XXXX XXXX XXXX Violations To Whom It May Concern, I am writing to formally express my deep concern regarding the ongoing credit reporting inaccuracies and violations committed by XXXX XXXX XXXX XXXX, which have adversely impacted my financial well-being. I have taken every possible step to rectify this situation and seek your intervention to address the matter in accordance with the provisions of the Consumer Financial Protection Bureau ( CFPB ). 

Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX Under the framework of the Fair Credit Reporting Act, I have reason to believe that XXXX XXXX XXXX XXXX is in violation of 15 US Code 161s-2 ( 1 ) ( A ), which explicitly prohibits the furnishing of consumer information to credit reporting agencies when the furnisher knows or has reasonable cause to believe that the information is inaccurate. Despite my efforts to rectify these inaccuracies, XXXX XXXX XXXX XXXX has continued to report erroneous information to XXXX, XXXX, and TransUnion. 

Furthermore, XXXX XXXX XXXX XXXX 's actions are in violation of 15 US Code 1681 ( a ) ( 1 ), which underscores the vital role of fair and accurate credit reporting in maintaining the efficiency of the banking system. Inaccurate credit reports not only impair the functioning of this system but also erode public confidence, which is paramount for its continued stability. XXXX XXXX XXXX XXXX 's disregard for these regulations is causing significant harm to my financial standing. 

I have made repeated requests to XXXX XXXX XXXX XXXX for the prompt removal of this erroneous account from my credit reports. Unfortunately, my efforts have been met with continued violations, misrepresentations, and a lack of resolution. Despite my repeated attempts to rectify this situation, my credit reports remain plagued by inaccuracies that hinder my ability to secure loans, housing, and other financial necessities. 

I implore the Consumer Financial Protection Bureau to intervene on my behalf and compel XXXX XXXX XXXX XXXX to rectify this situation immediately. I kindly request that you investigate this matter thoroughly, hold XXXX XXXX XXXX XXXX accountable for their violations, and ensure that the inaccurate account is removed from my credit reports without delay. 

I have attached supporting documentation, including correspondence with XXXX XXXX XXXX XXXX, credit reports, and any other relevant information, to assist in your investigation. 

I appreciate your attention to this matter and trust that the CFPB will act in accordance with its mission to protect consumers from unfair and abusive financial practices. I eagerly await your response and the resolution of this pressing issue.
Consumer complaint received 2023-12-29
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 third 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, AZ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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)

Dear Equifax I see that you verified the account listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance is wrong. It should not be that amount. It should be XXXX The bureau code information needs to be fixed quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Consumer complaint received 2023-12-29
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)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I can't see my credit report because my identity can't be verified. I'm a victim of identity theft and I need help I'm losing the battle by myself. Bank accounts and loans and credit cards are being used in my name fraudulently. I need assistance please.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (NY)

I have been paying down my debt on my TD Cash Card and the interest rate was going down until today i noticed that the bank increased the interest rate almost XXXX XXXX. When i called them up they told me that the interest rate was variable. 

I can respect that but for two things : there was no interest rates increase from the fed in the time the bank decided to increase the interest rate on the card.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Credit Bamk has started adding extortionate rates for paper statements wach month. For a XXXX 's account it's {$2.00} XXXX, while a XXXX XXXX account is {$1.00} XXXX. There's no way these rates represent any approximation of the cost of printing and mailing statements.
Consumer complaint received 2023-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (IN)

Cash App $ XXXX amount {$920.00} for rent. Kicked out after sending. 

Cash App wont help and uses the XXXX copypasta. 

Being homeless is no joke. And Square is protecting the scammers. 

I want my money NOW. 

Filed a dispute with my bank too because the funds are important.
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: CITIBANK, N.A. (FL)

My Citi XXXX card stopped sending statements - I didnt notice it until i was told via email it was past due. Citi put me on paperless statements without my knowledge or permission and then when I didnt pay on time charged me excessive interest and penalties. I was able to clear this up with them but I am concerned about the larger consequences of their actions in particular on senior citizens that arent all electronic. they should not be able to change my paperless status. they claim they notified me via their app. I dont use their app and never have. if they treated their customer base as they have me they are making a ton of money in interest charges and late fees that should NOT be there - latest scam way for them to make $ XXXX literally preying on seniors. 

same goes for the phone system with all of the prompts and craziness it takes to get to a real person- is that friendly for the elderly user? I think not - seems to violate XXXX
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. (PA)

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. Act Name : XXXX XXXX XXXX, USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (SC)

All the information is not there and when I attempted to dispute certain items it wouldnt allow it. My information is not updating as fast as it did 45 to 58 day is unacceptable I have bill that I have paid months ago and have not updated and they will not allow a dispute