davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
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)

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2024-06-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (WA)

I lived in HUD low income housing for 8 years. I gave 20 days notice and received a letter for my new landlord that I always paid on time, didn't owe anything, and he even added that I was one of the top XXXX cleanest tenants. 4 years later, I see on my credit report a debt for almost XXXX XXXX dollars. I contacted the apartments and they told me the previous property management company took off with all the XXXX XXXX money and sent everyone that filled out the forms to collections. They told me to just dispute it because there's no proof. I disputed it 4 times. I was never notified before it showing up on my credit report. The apartments told me the notices were sent to their own apartment that I had vacated. I did give them my forwarding address in writing. This was intentionally done so I couldn't fight it. After 4 years, the only proof I have left is the letter from this landlord to my new landlord and a copy of my lease dated XXXX, when I moved. I am going to be forced to file bankruptcy because of this if it's not fixed.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-05-31
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. (AL)

I have reached out on multiple occasions since 2021 requesting that the credit reporting agency remove the bankruptcy listed due to it containing inaccurate information. I have requested a validation of this information as well as the source of the information. I have yet to get a valid response from the agency and no source of the data. I reached out to my local bankruptcy court, and they reported that they did not provide this information the credit agency and I reached out to XXXX and XXXX who willing removed the inaccurate information from their system and data management database back in 2021. See attached documents. 

1 ) Bankruptcy : Reporting a filing date of XXXX is inaccurate information. Please delete this account
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I've had a checking account with Wells Fargo for over 10 years. On XX/XX/XXXX, while on vacation in XXXX, I received an email from Wells Fargo that they had detected some unusual activity on my Wells Fargo Debit Card ending in XXXX. At this time, I also received an email alert that someone had changed my password and changed the phone number associated with my account. I did not make these changes. 

I immediately contacted Wells Fargo and they assisted me in closing my account, canceling my debit card, and filing a claim for the following fraudulent transactions made in California : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA {$1000.00} XX/XX/XXXX ATM Transaction XXXX XXXX XXXX CA {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX CARD XXXX {$250.00} Wells Fargo issued me a new debit card and a new account number ( ending in XXXX ). On XX/XX/XXXX and XXXX, I received alerts of two new charges on this new account, even though I had not yet received my new debit card in the mail. I immediately called Wells Fargo again and was told that my original claim had been closed ( reference number : XXXX ) as they had determined I had made those transactions myself. As I did not make these transactions, was not in the state at the time, hadn't lost my debit card, or changed my account information, I informed them that I had not made those transactions and refiled a claim ( reference number : XXXX ) as well as a complaint. 

On XX/XX/XXXX, I contacted Wells Fargo again as I hadn't received any updates about the resolution of my claim or complaint, and I was then again told my claim had been closed. Wells Fargo had credited my account for the amount of the two new charges from XX/XX/XXXX and XX/XX/XXXX ( totaling {$63.00} ) but had denied my claim for the fraudulent transactions on XX/XX/XXXX ( totaling {$2200.00} ). 

At this time, I filed an additional complaint with Wells Fargo ( reference number : XXXX ) and was told that were no other avenues for me to take to recover the {$2200.00}. Throughout the duration of XXXX XXXX XXXX, I did not lose my debit card, share my PIN with anyone, or make the transactions outlined here and I would like {$2200.00} restored to my account.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Subject : Notice Of Dispute - XXXX XXXX XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid 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: DISCOVER BANK (IN)

Summary : I purchased goods from a company in XX/XX/XXXX who went bankrupt in XXXX of XXXX and never placed my order. I have never received the goods that I paid {$5100.00} for and Discover to refusing to refund my money. Discover clearly states on their website that " incomplete service '' is a valid reason to dispute the purchase : From Discover 's website, " How to Dispute a Credit Card Charge '' : " Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I have worked tirelessly, submitting documents showing clearly that the company is no longer functioning, that they have told me that I will never receive the goods that I paid for, and have spent hours on the phone with Discover. Discover requires that I make a " good-faith effort '' with the merchant first, which I have attempted to do. Since the company no longer exists I have not been able to successfully reach them. 

XXXX : XX/XX/XXXX : Purchased XXXX pieces of furniture from XXXX XXXX  for XXXX using my Discover credit card. Was told by XXXX XXXX that the items would be shipped in XXXX weeks. 

XX/XX/XXXX : Received an email from XXXX XXXX saying the furniture would not be delivered until XX/XX/XXXX. 

XX/XX/XXXX : Received an email from XXXX XXXX  saying they filed for bankruptcy and liquidation of all assets. Order status was changed to " Currently unable to fulfill. '' XX/XX/XXXX : Filed dispute with Discover for fraud due to " goods never received ''. Uploaded all documentation from XXXX XXXX  declaring bankruptcy. 

XX/XX/XXXX : Receive status update from XXXX XXXX  : " Unable to fulfill order '' XX/XX/XXXX : Discover says they have completed the investigation and the transaction is found to be valid. 

XX/XX/XXXX : Called Discover to reopen dispute, Discover says they can not reopen but will send to supervisor XX/XX/XXXX : Called Discover, says it is under review by supervisor XX/XX/XXXX : Called Discover, says it is under review by supervisor XX/XX/XXXX : Called Discover, no update XX/XX/XXXX : Called Discover, they say that I must contact XXXX XXXX and get proof that credit is due on this account. Can not contact XXXX XXXX  as they have not been a company since XX/XX/XXXX.
Consumer complaint received 2024-01-11
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)

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. 

Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Dear PayPal Support Team, I am writing to submit a complaint in regards to the permanent limitation that was placed on my PayPal account, which is registered under the email address XXXX. 

First and foremost, I strongly believe that this limitation was placed on my account by mistake, as I have not engaged in any activity that violates PayPal 's policies. I have always been a responsible user of your platform, and I have consistently followed all the terms and conditions set out by PayPal. 

Furthermore, I would like to emphasize that I have not engaged in any activities that could be considered as fraudulent, illegal or suspicious. I have always conducted my transactions in a transparent and legitimate manner, and I have never been involved in any disputes or chargebacks. 

Therefore, I kindly request that you re-investigate my case and consider restoring my account if possible. I would greatly appreciate it if you could provide me with more information on the reason for the limitation, as well as any evidence that supports your decision. 

I understand the importance of maintaining a safe and secure platform, and I fully support PayPal 's efforts to prevent fraud and protect its users. However, I strongly believe that my account has been wrongly limited, and I kindly request that you take another look at my case. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2023-12-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (OR)

Found an entry on my credit report that is incorrect. It shows a balance overdue of {$330.00} dollars. According to the credit report, the charge was made in XXXX of XXXX. I have never received a statement from them. I did receive an email several months ago and called them on XX/XX/XXXX and was told I had a XXXX balance so I thought the situation was resolved. The card that it was charged to was never activated and the card is in my possession. I have tried repeatedly to contact Comenity Bank and the phone message says they are connecting me to customer service, the phone rings once and then hangs up. The address on the adverse information report is : XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX If I could get them to talk to me, I'm sure we could clear this up. I appreciate any help you can provide to clear this up.
Consumer complaint received 2024-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I NEED THESE ACCOUNTS TO BE DELETED XXXX XXXX XXXX XXXX Balance : {$0.00} DEPT OF ED XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$750.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$250.00}
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I updated my address information over the phone with a rep, back in XXXX. I then made an online purchase using my XXXX charge and XXXX cash. However, they still shipped the purchase to an old address. Its taken me 3 months to get this rectified, because every time I had to call and speak with someone to get the late fees and interest charges refunded, the reps never completed the tasks. In addition, I still dont have my XXXX cash reimbursed. This is horrible customer service, and as an XXXX XXXX XXXX woman, this is making me very feel like they are taking advantage of XXXX  citizens. Aside from this runaround, I found out today that XXXX reported to the credit bureaus that my payment was late, which has affected my credit score. I never received the product, its taken me months to finally get the interest and late fees reversed, and Im having to call for every little thing one by one, because not a single person has done the job completely. When I called to let them know I hadnt received the package, they said I had to wait on the refund until the package was returned to them. So, I had to call back to make sure they got it, but they still charged me for it. Then I had to call back again for a refund. They took forever to do that, but still charged me for interest and late fees. I had to call back AGAIN for them to reverse it, and when they finally did, I still didnt get my XXXX  cash reimbursed. So, I called back AGAIN and they said it would be reissued on the app. I dont see it. These people need new training on how to complete the job and not give customers the runaround. The worst part is, they had the nerve to report my payment late! So, no product received, getting the runaround, plus late payment reported and my XXXX cash isnt reimbursed. At this point I deserve a gift card for the hassle! Good grief!! I want the late payment report reversed and I want my XXXX cash reimbursed and also something for putting this XXXX XXXX XXXX woman through XXXX.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-01-12
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. (TX)

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 accounts ( A ). It is not permitted to report these accounts 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 XXXX XXXX
Consumer complaint received 2024-01-12
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. (CA)

I assert my rights under the Fair Credit Reporting Act ( FCRA ) and wish to address concerns regarding the reporting of my information by Equifax, XXXX, and XXXX. According to 15 USC 1681 section 604, consumer reporting agencies are allowed to furnish a consumer report only with the written instructions of the consumer. I want to make it clear that I have not provided written consent for the furnishing of my information to credit agencies, and any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Moreover, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), a person should not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. I believe that the reporting agencies may be in violation of this requirement.

Additionally, financial institutions, as outlined in 15 USC 6802 ( b ) ( c ), are obligated to disclose to consumers their right to exercise a nondisclosure option. I was not informed of this right, which raises concerns about compliance with the law.

I am also opting out of the reporting services, as permitted by 12 CFR 1016.7. It is important that my concerns regarding the accuracy and disclosure of my information are addressed promptly and appropriately.
Consumer complaint received 2024-01-12
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. (FL)

I am writing to formally express my deep concern and dissatisfaction with the credit reporting practices of Equifax, XXXX, and XXXX. 
The mentioned agencies have not obtained my consent for the report of the bankruptcy on my credit profiles. These companies need to remove this reporting due to inaccuracies in reporting and violations of Metro 2 compliance. Furthermore, under the Privacy Act of 1974, No agency shall disclose any record contained in a system of records by any means of communication to any person or another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.

Moreover, I want to state that under 15 USC 1681a and b, it is imperative to guarantee that consumer reporting agencies fulfill their substantial responsibilities with fairness, impartiality, and a dedication to upholding the consumer 's right to privacy. These entities must adopt reasonable procedures to meet the demands of commerce for consumer credit, personnel, insurance, and other information in a manner that is just and equitable for consumers. This encompasses the safeguarding of confidentiality, assurance of accuracy, relevance, and appropriate utilization of information. 
Included there is a court statement along with an FTC identity theft report, as supporting evidence. 
Furthermore, 15 U.S.C 1681c2a states that it is mandated that a consumer reporting agency must promptly block the reporting of any information in a consumer 's file identified by the consumer as resulting from alleged identity theft. This action must be taken no later than 4 business days after the agency receives documentation from the consumer which I have attached.
Consumer complaint received 2024-01-11
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. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit for these violations. On XX/XX/2024 I sent my FTC Report and my FL license to XXXX, Equifax, and XXXX.