davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (NJ)

I was denied car loan due to this ridiculous unheard of credit reporting agency giving me a XXXX credit report when XXXX and XXXX reported me 150 points above that!! I have no late payments or delinquencies and paid off my last car. Also my inquiries were substantial after going to only 2 car dealerships. They also claimed I had limited time at this phone number but that has been my cell for at least 8 years. They also used my daughters student loans that are deferred against my present credit. There is thousands of complaints online about this company. When contacted they will not answer how they computed my score or where they got telephone false information from. They also want all my personal info to send me credit report and I think that's against federal guidelines. I worked very hard for 2 years to improve my credit while I dealt with my sons head injury and they should not be able to give people 150-250 under their other credit scores. Who is there to look out for the little guy? There has to be some federal accountability. Please close them down before they hurt other people or lose good loans based on false scores
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I am a merchant that received a false dispute for a charge through the XXXX processor. The customer never contacted me for help or a refund. They went directly to JP Morgan Chase and filed a false dispute. I submitted evidence of the validity of the charges and the fact that the cardholder had NOT canceled the subscription. ( The subscription is still not canceled the subscription. ) JP Morgan Chase found in favor of the cardholder, and I pay a {$15.00} fee. How is it right that the institution collecting the fee adjudicates in favor of their customer regardless of the evidence? This is not fair to merchants. There has got to be a reform of this process. The first step should be the merchant has a chance to refund the cardholder without being fined.
Consumer complaint received 2024-04-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-01-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. ()

I recently sent multiple letters regarding the inaccurate information I found on my credit report. It was more than 45 days since but I did not receive any response or results.
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I attempted to deposit cash into my Wells Fargo debit card through a XXXX XXXX XXXX XXXX ATM on XX/XX/2023 around approximately XXXX or XXXX XXXX, not knowing that I was only supposed to use Wells Fargo ATMs. The ATM took my cash and didn't give it back, so I immediately called Wells Fargo and filed a dispute. The amount I attempted to deposit was {$820.00}. The address of the ATM is XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

Wells Fargo closed my dispute and claimed that there was no transaction/deposit at all. They said that they contacted XXXX XXXX XXXX XXXX and couldn't find any transaction, however if they did, they would find that I did actually try to deposit the {$820.00} that day. I did not even receive a resolution stating a reason for why my claim was denied, I had to call them and ask.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am in the process of buying a home and I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about my reporting. I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. I have highlighted all the discrepancies. Please remove this inaccurate information from all bureaus as you are in violation.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I have previously disputed the accuracy of payment to XXXX  XXXX as reporting this account as late for 120 days. I was never late on this account and it is damaging to my credit profile. This account need to be updated to a positive payment history immediately. This account was updated with XXXX and XXXX but Equifax isn't being helpful at all and continues to report negative and unverified payment history that are very damaging to my credit profile.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-05-01
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: Aldous & Associates, PLLC (AZ)

A company called ALDOUS is reporting an account, XXXX, on behalf of XXXX XXXX XXXX XXXX on my XXXX credit report. 
This account is NOT mine and is being reported fraudulently and unlawfully. 
I am a victim of identity theft with this account.
Consumer complaint received 2023-06-06
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. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-10-12
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)

XXXX sent an account that is not mine to XXXXXXXX XXXX XXXXXXXX, a third party collection agency. XXXXXXXX XXXX XXXXXXXX added this {$110.00} collection account to my credit file. I have not had insurance with XXXX in over 10 years at least. XXXX is my insurance company. I have not received any correspondence from XXXX or XXXXXXXX XXXX  XXXX at my address at XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX. I have talked with a representative from XXXX XXXX XXXX and they had the wrong address on file.
Consumer complaint received 2023-10-12
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)

My name is 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 fraudXXXX 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 2024-05-15
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. (MA)

On XX/XX/year> I contacted EXPERIAN by XXXX Mail and informed them that they are reporting false and negative information on my credit report. I requested a detailed investigation be performed. On XX/XX/year> I received a letter from Experian stating they performed an investigation and my information came back as verified with no further information. On XX/XX/XXXX I sent a letter to Experian requesting information about their investigation, I asked for a detailed report. I also told Experian they have the wrong person, my name is very common. On XX/XX/year> I received an email from Experian stating that an investigation was performed and my information came back as verified with no further details. On XX/XX/year> I contacted Experian by registered mail and informed them they were XXXX violation of XXXX XXXX XXXX XXXX. To date Experian has not provided me with any information about their investigation and how they arrived to their decision. Experian does not perform any investigation they just send a generic letter. Their customer service is extremely rude and unhelpful. They can never provide any details and proof. Experian is making my life very difficult.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AR)

To Whom It May Concern, I recently checked my credit reports and noticed this account on my credit. After some investigation, I realize this account belongs to XXXX XXXX XXXX, XXXX  XXXX. I wrote a letter and I didn't hear anything back from the company. I have asked for a copy of the signed lease agreement to prove the signatures are different. Please assist me in removing this from my credit. 

Thanks,
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NV)

Letter was sent to me dated XXXX, stating they had enrolled me in a Credit Protection Program from XXXX to XXXX that I didn't authorize nor was I aware of. In that time time frame they took {$340.00} in fees. They did not make me aware of this until over 20 years later. Considering they had access to these funds for over two decades, and how banks use Fractional Reserve Banking to 10 times the amount of these of funds, it's easy to see that they made quite a bit of money in over 20 years time using it.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I paid a payment to capital one credit card on XX/XX/XXXX in the amount of {$190.00} from my XXXX XXXX XXXX debit card. On XX/XX/XXXX the payment posted to capital one account. On XX/XX/XXXX it posted to my XXXX debit account. Then in XX/XX/XXXX I checked my capital one account and saw they did a payment adjustment for the {$190.00} on my account saying I owed it to them again. I contacted XXXX and they said it posted. Capital one said it didnt. OnXX/XX/XXXX I did a three way call with a XXXX rep and a capital one rep. They both opened claims in their investigation depts and gave me temporary credits because they both agree this was strange and the payment should have posted on capital ones end. On XX/XX/XXXX XXXX reversed the temporary credit saying the investigation found XXXX not at fault. XX/XX/XXXX Capital one closed their investigation saying they are not at fault. I reopened both claims Again on both companys and once again I was denied by both companies saying they are not at fault. I have sent capital one a letter from XXXX with their heading at the top of the page and a copy of my statement with my name and everything on it showing that payment posted. Capital One still cant find fault on their end and I dont know what else to do. I have provided proof that the payment posted. I need capital one to post the payment and leave it alone. Please help!
Consumer complaint received 2024-03-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I don't recall having a contractual relationship with this collection company I C SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NC)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of 2020 capital one restricted my account stating that I need to submit a SSA form. I complied and submitted a form. I was told they would reach out with an update within 7-10 business days. They never reached out. I contacted them and they stated that I need a SSA form from the AU on my account. I stated to them that to my knowledge I have no AU on my account and maybe someone might have had access to my account and I was not made aware. They did not seem to care and insisted that if I dont have an AU I need to submit a copy of my own social and drivers license. I submitted a copy of my drivers license and social. They did not contact me yet once again I contacted them and they stated they are waiting for a response from the case owner. The case owner in this matter has never once reached out to me regarding this matter. I contacted them a few days later and they said that although I submitted all documents required it does not matter and I have to somehow submit documents for an AU that I was never aware of. I was recently laid off due to COVID-19 and now I have two restricted credit cards that I am being restricted from using when I have done all the due diligence has a costumer and I also have to continue paying for these credit cards. It seems like no one has the answers to resolving this matter and this is really becoming frustrated and emotionally draining during these trying times. Its clear I might have been a victim of fraud somehow I am being treated otherwise.
Consumer complaint received 2018-05-08
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: SYNCHRONY FINANCIAL (CA)

syncb/lowes date opened is XX/XX/2016 account number shown XXXX for an amount of XXXX with credit limit of XXXX phone number shown XXXX. I have contacted this company and have sent them fraud affidavit and they take forever and refuse to give me any information.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

In XXXX, XXXX XXXX provided a letter retracting a billing error made on their behalf. The letter is attached. I have contacted XXXX XXXX on numerous occasions with the attached document, requesting that this alleged delinquency ( made in XXXX ) be removed from my credit report. Despite these attempts, a negative report still exists on my XXXX  credit summary. Please have this delinquency expeditiously removed from my XXXX, Experian, and XXXX credit report. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2023 I was contacted by the Wells Fargo fraud phone number and someone either posed as an employee of Wells Fargo or was an actual Wells Fargo employee. They knew of the fraud activity that had been occurring on my account since XX/XX/2023 and gave me names of two people in XXXX GA that were attempting to access XXXX from my business account. They asked if I knew them and I responded no. I was then told that they were the same people who had been doing fraudulent transactions on my account and that they knew where they were and that they would be able to get them arrested. I was told that a special fraud agent was now in charge of my fraudulent activity and would be able to have them arrested. I was instructed that I had to repeat in the same increments the amounts that they were trying to access. I unfortunately believed this because of all of the fraudulent activity on my account and all the times I had recently spoken to this department. I did as I was instructed and I have never made a wire transfer ever so this should have appeared suspicious to Wells Fargo and I should have received a suspicious activity alert which I didnt. I reported all of this on XX/XX/2023. The XXXX transfers were credited back the next day after receiving XXXX XXXX response they had listed that the wire transfer case was started on XX/XX/2023 this is inaccurate. It makes no sense that I would open a fraud case on the XXXX transfers on XX/XX/2023 and not also opened the wire transfer case on the same day. This was all from the same fraudulent activity and I opened all three cases on XX/XX/2023. I have requested all information including employee notes that was used to investigate the wire transfer because this appears as negligence on XXXX XXXX part or employee negligence that all three were not opened the date I reported them on XX/XX/2023. I requested the information on XX/XX/2023 and have not received any response from Wells Fargo.
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2023 I requested that XXXX, Experian and XXXX validate that a bankruptcy that was reporting on my credit report was indeed mine. However, Experian was the only one that replied verified although they did not investigate. XXXX and XXXX actually ignored my request. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. They violated my rights by not investigating and ignoring my request. The courts do not validate and there's nothing on my XXXX XXXX reporting that shows any sign of a bankruptcy.
Consumer complaint received 2023-04-28
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX violated my rights. Account opened XX/XX/2018 for {$270.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions