davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I requested Equifax to verify and remove hard inquirys on my credit report, and some old negative payments reporting. Equifax is refusing to remove items even though they received updated positive payment reporting from companies inquisition. Also Equifax requested me to fill out this FTC CFPB paperwork to get inquiries remove instead of them investigating the inquiries. I did same with XXXX and they got inquiries removed in 48hours after investigation.
Consumer complaint received 2024-04-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (PA)

Originally I tried to apply for an SBA 7a loan through Wells Fargo. I was directed to take a personal loan. Even though I met the credit score requirements and had a business account with the company I still was denied with an unclear explanation. No follow-up or reason for denial. I was told that there was no way to appeal the decision and all decisions were final. I felt that the Bank 's lending practices were racially biased because another individual with a lower credit score and similar time in business and similar business practice was approved. The only difference was that my business is a XXXX XXXX and he was not. Financially my company was strong but we didn't get an opportunity for any business loan. Wells Fargo Bank 's current business practices are very restrictive and I feel my rights were violated by redirecting my company to apply for a non-SBA product where discretion to deny applicants based on their own biased criteria. Wells Fargo doesn't offer the SBA loan online or at several local branches in neighborhoods of color. I tried to apply at several branches but was told at each branch they do not do SBA loans at the branch to try online. 

As a XXXX XXXX XXXX XXXX  obtaining financing is critical to my company 's success and to the payment of my employees on time. Wells Fargo 's engaging in these discriminatory practices not only effects on my business but also the larger community.
Consumer complaint received 2023-11-14
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. (NE)

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 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 2023-11-14
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. (IL)

Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This communication serves as an additional assurance that certain items, identified as potentially fraudulent, will be removed within the forthcoming 15 days. I have diligently monitored my credit reports and, while I appreciate the removal of some fraudulent entries during the previous update, I am scheduled for another update in 15 days. I hope that further deletions of the remaining fraudulent items will be effected at that time. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605, it is mandated that the Credit Bureaus expunge any items listed on an Identity Theft Report, specifically Report # XXXX. The items in question are detailed below for your reference : 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 EQUIFAX 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 2023-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below WELLS FARGO CARD XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Someone hacked my fifth third credit card through XXXX as I had my card attached to that account for purchases. They were able to change the address and name to theirs and have the merchandise sent to their home address. As soon as I saw the charge, I called fifth third Bank cancel the credit card, and speed the charges. I just received a statement from fifth third bank that states that I am responsible for the charge and they have now charged my credit card back with the purchase amount. I did not make the purchase or the charge. The credit card information that I am submitting is the old credit card that has been discontinued. Fifth third bank charged my replacement card, which information is not included on this form, with the charges from XXXX
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (CA)

On XXXX  XX/XX/XXXX an email was received from Chime that an account was opened for a Chime Visa Debit card. I did not apply for a debit card and I wrote back to the company explaining that someone had opened an account using my email address. 
Chime is NOT using email verification before allowing an email address to be added to an account. This is fraud and violates GDPR. 
I tried to get them to remove my email from their system but they will not since I am not a customer of theirs. 
Meanwhile, I am receiving all the email notifications that the card was mailed and they provided me with the default pin number, and XXXX  ( XX/XX/XXXX ) the email was to activate the card. I am unable to unsubscribe from these messages since they believe that I am the customer. 
The person who opened the account is a XXXX XXXX who lives in XXXX. 
Please assist me in getting them to remove my email address from the account and to utilize email verification BEFORE allowing an email to be added to their systems. 
Thank You Please Note that the billing address in the following section is the one that I believe the card was sent to. It is not associated with me at all.
Consumer complaint received 2023-11-14
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. (TX)

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 1

5 USC 1681. 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 2018-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STATE FARM BANK, FSB (NY)

XX/XX/2017 I am being hit with a hard inquiry from XXXX XXXX. 
This was fraud as I did not apply for one from them. 
I was told this inquiry would be removed and still hasn't XXXX and XXXX were also gon na remove it but still have yet to do so.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (CT)

Th

e reporting agency XXXX XXXX XXXX  are committing fraud against me. By reporting information that resulted in identity theft, pursuant to, 15 U.S. Code 1681 ( e ). Also 18 U.S. Code 894, they have and continue harming my my name as consumer and ruining the fact of presenting a better credit score if it wasn't for these fraudulent occurrences.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (UT)

I participated in a balance transfer promotion offering 0.00 % interest through XX/XX/2024. I paid off all charges on the card, other than the balance transfer amounts subject to 0.00 %. I was still charged interest for the period even though all charges that would have been subject to interest were paid to {$0.00} before the date that interest would have been applied to those balances. Card issuer said that since I have a balance promotional offer I must pay interest, even on {$0.00} balances.
Consumer complaint received 2023-12-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (GA)

On XX/XX/2023 I purchased a Visa card from a local Kroger store. I loaded {$500.00} on the card and gave it to a homeless couple. The card will not work. 
The is issued by U S Bank National Association. I have called the phone number on the card four times. Three of the four times I was getting no assistance, was told the card was registered to someone else, ( I never registered the card at all ) and asked to speak to a supervisor. I was place on hole then cut off. The last time I called I was told submit a government issued ID, a copy of the front and back of the card, proof of ownership, and use the phrase " Please reissue a new card to my name and address. '' I was told to fax this information and that an email address was not available. I refused to send my picture ID and was told nothing can be done without that
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BARCLAYS BANK DELAWARE (VT)

I have had a Barclays Choice privileges visa card for several years now. The last 2 weeks I have been unable to access my account. It keeps coming up can not access for security reasons. I have tried for 2 weeks now to contact their costumer service by phone and e-mail. By phone over 10 hours listening to the same recording please wait for next available agent. I have never over the years had a problem getting through to resolve an issue. I tried to e-mail them 5 days ago and have got no reply. I got an e-mail from them today for my monthly statement. But I can not make a payment if I can not access my account. They may be having some kind of Tech. issues, but it would be nice if they could tell us that.
Consumer complaint received 2023-04-20
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. (NJ)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-11-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Galaxy Capital Acquisitions, LLC (TX)

This is old debt bought buy a new creditor and now suing me. I informed them long ago I wouldnt be able to pay due to XXXX, spouse losing his job. The lawsuit is threatening to make me pay for attorneys fees etc
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Ive been in communications with Equifax about inaccurate personal information on my credit report. Even after notifying them many times about this error they are reporting this incorrect information on my file. Not only is it unfair, its also illegal. Please find attached.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Skrill USA, Inc. (MN)

My money was taken out of an ATM belonging to XXXX. They told me I needed to contact my checking company who I use my debit card with which is Skrill. The ATM acted like it dispensed my money and then gave me nothing didn't even open the drawer {$200.00} was lost I've been asking Skrill to file this claim so that XXXX XXXX can initiate an audit but they have yet to respond to me even by email I've asked them to file this and they have not responded.
Consumer complaint received 2023-09-08
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: Experian Information Solutions Inc. (NY)

I DO NOT RECOGNIZE ANY OF THESE INQUIRIES XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-14
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 XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S, C 1681 section 602 A. States I have 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
Consumer complaint received 2023-11-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (MN)

I have XXXX bank accounts, a checking account with XXXX and a savings account with Ally. The XXXX original balance was XXXX. The Ally original balance was XXXX. 


On XX/XX/XXXX, I wanted to consolidate accounts, so I started a transfer of XXXX from XXXX to Ally. XXXX is now XXXX balance and Ally should be XXXX + XXXX = XXXX. 


On XX/XX/XXXX, I forgot that I already did the transfer, so I accidentally made a second transfer of XXXX from Santander to Ally. XXXX is now XXXX and XXXX because of an overdraft fee. Ally should be XXXX + XXXX = XXXX. 


On XX/XX/XXXX, I realize my mistake and see that XXXX is overdrawn. I submit a transfer of XXXX from Ally back to XXXX to fix the overdraft. XXXX is now back to XXXX balance. Ally should be XXXX, which is the correct balance and the original goal of the first transfer on XX/XX/XXXX. 


XXXX shows the correct XXXX balance ( excluding minimal interest payment ). I don't know what happened on the Ally end, but they suspended some transfers and deleted the incoming transfer that would make my account the appropriate XXXX. Instead, they deleted the incoming transfer and kept the outgoing transfer, and now the Ally account shows XXXX ( original balance prior to incoming XXXX ) and the XXXX is completely lost. 


I contacted Ally bank and they created a case reference number but have no idea where the XXXX went that is still missing from my account. 


XXXX shows the correct bank balance of roughly XXXX. I have email receipts of the requested transfers from Ally, but Ally has " lost '' the XXXX and my Ally bank account does not reflect the accurate bank balance which should be XXXX. I am looking for the lost XXXX to be returned to my Ally account to reflect the appropriate balance XXXX. The correct final balances should be XXXX XXXX balance and Ally XXXX.
Consumer complaint received 2023-06-12
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. (CA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 XX/XX/2022
Consumer complaint received 2023-04-20
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. (IL)

This is my ninth 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 alleged fraud or extortion XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX  XXXX XXXX : {$490.00}.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

I've contacted LexisNexis several times to dispute the reporting of a bankruptcy to my credit files and have yet to receive a resolution from LexisNexis. I am filing this complaint to request that LexisNexis delete this unverified, old and obsolete bankruptcy from my records with them off my credit reports with XXXX, XXXX and XXXX. I have previously disputed this bankruptcy record with the credit bureaus and they have verified the item as accurate several times, stating that the credit agencies had verified the information with the court. On XX/XX/2024, I contacted the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX  via certified letter. On XXXX XXXX, I received the attached letter response from the U.S. Bankruptcy Court. According to the attached letter from the U.S. Bankruptcy Court, the court is not reporting this bankruptcy to my XXXX, XXXX or XXXX reports and the court has not verified, updated, or validated any information that is being reported. See attached confirmation of this information from the U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX. This unverified bankruptcy is apparently being reported by third party record provider LexisNexis without any validation or verification that the bankruptcy information is accurate or up to date.