davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (AK)

Found a post on XXXX selling XXXX XXXX. It was from a reputable breeder that I had been aware of for several years. I contacted them through XXXX XXXX and we chatted extensively for several days to secure the transaction. On XXXX I sent them XXXX $ to process paperwork transfer of the cat in the XXXX  ( association of cat breeders ). From their name to mine. On XXXX, I sent them {$820.00} to complete the sale and pay for the transportation of the cat from Alabama to Alaska. On the evening of XXXX, not even 4 hours after sending the money, the scammer disappeared from XXXX completely. I could no longer message them, nor reach them with an Audio call. I came up with a phone number for the actual breeder that they were impersonating online from their website, and called there. She answered me back via text that she had no idea who I was. We chatted and I discovered that she had had nothing to do with this sale, did not have the cat in question, and that I had been scammed. She said she was aware of someone impersonating her and using her XXXX certificate from XXXX to do so. She had reported this to XXXX, but they had done nothing. I contacted my bank- where the funds had been transferred via Zelle, and disputed the transactions.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (FL)

I contacted Navy Federal after I realized my account has been used without authorization and my debit card was missing. I was told by navy Federal to submit a fraud claim in which I did. Within 2 days my claim was denied. I provided the suspects name and even his identification documents. I know for a fact that no human investigated my claim as required by federal law. My account was wiped out for over {$18000.00} in two or three different countries. I cant be in two or 3 places at one time and this has never happened to me before with navy federal. My account was to be credited, yet, nothing happened. No information has been given to me nor documentation showing how a two day investigation was done including if they even investigated into the suspect. I dont feel secure with navy federal.
Consumer complaint received 2021-08-26
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: WELLS FARGO & COMPANY (DE)

Subject : ACC XXXX - Disputing Information in Credit Report Dear WELLS FARGO XXXX I am writing to dispute the information Wells Fargo has supplied to XXXX  XXXX XXXX and XXXX in XX/XX/2020. 

Please provide me with supporting documentation showing how my account was 60 days late in one report and 30 on the others otherwise update this late payment to be paid as agreed.

Enclosed are copies of relevant supporting documents to back up my request. Please reinvestigate this matter and contact the national credit bureaus to correct the disputed item ( s ) as soon as possible.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (OH)

I received a email from Chase at XXXX XXXX XXXX stating that Thanks for requesting a new credit card, Soon after I received a email from XXXX XXXX that a hard pull was added to my credit. I did not apply for a new card. I called Chase bank and spoke to fraud division but was told they would mail info to me?
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

I contacted XXXX XXXX about this account reporting late when they illegally closed my account while it was current and never late. This account was closed without my permission for no reason of my own. The law states all information must report accurately otherwise be deleted. I plan on pursuing this account in small claims court I have records showing this account being closed I've never been late. I demand this account is removed from my credit immediately as it is reporting inaccurately showing late and I've never been late showing open when it was closed for no reason. When I spoke to the agent they immediately apologized for the status and said they would remove this status and were not able to provide the reason the account was closed. The only thing they mentioned was they sent me a letter to my old address asking me to verify my account I never received a letter so they closed my account and it was currently never reporting late ever in the 2 years I've had an account.

I'm in the middle of purchasing my home and this incorrect information that is reported inaccurately is affecting my purchase remove immediately.
Consumer complaint received 2023-10-19
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. (CA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$45.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2023-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (OR)

I took out a loan for {$500.00}, and their paperwork said XXXX payments of {$140.00} or until the loan is paid off. I assumed after XXXX payments of {$140.00} that I would have more than paid back the loan. When called, they told me I only paid off {$6.00} from the {$500.00} and the rest of the {$570.00} went to their interest and fees. This is insane and was NOT explained to me clearly at the point of sale. 

This is a deceptive business, and they provided zero recourse except to pay it off. So to get a short term loan of {$500.00}, in total I am ending up paying {$1000.00} to them after having to pay {$490.00} to close this account.

Their paperwork clearly stated 10 days OR until the loan is paid off, and did not clearly list out the interest fees. If I would have known this was their setup, I would have never signed in the first place.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please help me get a proper solution to this frivolous account that is continuously being removed and added back to my credit reports. I have made several attempts to dispute this debt via handwritten letters sent via certified mailed to the data Furnisher XXXX XXXX XXXX AS I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY and have not received a response or verification that this debt belongs to me. I have retained all documents of my actions thus far for proof and documentation. I believe this is a direct violation of my rights as a consumer per the NC FCRA. to deny my right to receive valid verification that this account belongs to me. I have previously disputed this account and have successfully been able to remove the account however it is just sold to another furnisher, or the current furnisher changes the name and updates or adds this account back to my credit file with no explanation on an erroneous, alleged collections information. XXXX XXXX XXXX has never proved this debt belongs to me legally. In addition, XXXX XXXX XXXX shouldnt be allowed to continue reporting this frivolous debt and the credit Bureaus are failing to properly investigate the information being reported. This fight or battle to fix my credit so that only accurate information is being reported has caused me mental and physical health issues and restraints. I am reaching out as a final result before seeking other solutions. This information needs to be removed from my credit files because it can not be verified and continues to report and update inaccuracies on the credit file.
Consumer complaint received 2023-10-19
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. (NV)

On XXXX  i have sent a dispute out to Experian about inaccurate items that were being reported on my credit report. They took over 30 days for a reinvestigation for the XXXX time to finally respond just to tell me they have verified that the information being reported was correct but I have sent in my credit report and stated the inaccuracies. The account had different reporting dates as well as incorrect terms, and invalid incorrect payment statuses. Experian has failed to provide with documents on what process they have used to verify the accuracy of the accounts listed in my dispute. 

I have sent Experian multiple documents of inaccurate items reporting to my credit report. I have gave you the reason the following account was inaccurate and sent a copy of my credit report that was reporting inaccurate information for fact so with that being said you are officially in fact VIOLATION. 

YOU ARE NOW IN VIOLATION Pursuant to 15 U.S. Code 1681s-2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any informa1on rela1ng to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for such noticed, that specific information is inaccurate ; an ( ii ) The information is, in fact inaccurate.

1. The payment status is incorrect, this account was not closed XXXX XXXX It is inaccurately reporting that the last payment was received XX/XX/XXXX as well as it being closed XXXX XXXX 
( PLEASE DELETE ) XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The payment status on this account is incorrect. You are reporting tin the payment history that the account was 60 days past due after being 90 days past due in XXXX but in the payment status reporting the account has been closed and is 30 days past due. This account is in FACT reporting inaccurate which is a violation stated above. 
( PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. This account does not belong to me ( PLEASE DELETE ) XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-19
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. (SC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 

5 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-10-19
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. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$75.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$200.00} XXXX XXXX XXXXXXXX Balance Owed : {$5200.00} XXXX XXXXXXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXXXXXX Balance Owed : {$430.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$200.00}
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (FL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2023-10-19
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. (NY)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (WA)

I XXXX XXXX have a lost/stolen credit card with American Express Bluebird and I have tried to call them eleven times since XXXX XX/XX/2020, their system hangs up on me every time. When I try to log into my account, the website does not recognize the number and locks me out. I can not cancel my card or close the the account.
Consumer complaint received 2023-04-19
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: Experian Information Solutions Inc. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN AND XXXX CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

In XXXX of this year I received a promotional offer from American Express to apply for a 4.00 % interest rate on purchase for 12 moths. I called the 800 number to do so and provided them with the promotional code. The AMEX rep could not find it. It took her about 15 minutes and she found it but said she could not process it and sent me to their website. I look into the website and under their promotional offers and could not locate. I called back and was told I could scan the offer bar code which I did but it would not come up. I registered a complaint and received a call about 2 weeks later. The AMEX rep apologized, took down my information and said they would get back to me which they never did. I was going to put a golf club purchase of {$1200.00} using this promotional offer. I did not. I actually put it on my AMEX and paid if off the following month.
Consumer complaint received 2023-10-19
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. (FL)

I'm hoping you are doing well as I write this. I'm writing to say how deeply concerned I am about a fake account that was opened in my name without my knowledge or approval. The goal of this communication is to make my rights known and demand that this issue be fixed immediately. The fraudulent account in question is as follows : XXXX XXXX I am able to vouch for the fact that I did not authorize or create this account after a careful inquiry. My financial situation has been significantly impacted, and this fraudulent behavior seriously jeopardizes my personal safety. 
I must emphasize how urgent this situation is and how prompt action is required to resolve it. If left ignored, the bogus account in question will likely hurt my financial future and severely harm my credit record.