davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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. (TX)

I called Equifax to get my credit report on XX/XX/2024 and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose According to 15 USC 1681Ib, I Also attached my credit report and letter showing that Equifax is in violation of the FCRA.
Consumer complaint received 2023-12-02
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. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; ( Original Creditor : ) XXXX Balance : {$800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I looked on my credit report and noticed that there is a late payment for 30 days for my credit card account for XXXX XXXX  in XXXX of XXXX  PLEASE Update this account to PAID ON TIME and NEVER LATE I have never been late on my credit card payments and it is inaccurate please help me fix this with the credit bureaus to update my report asap.
Consumer complaint received 2023-09-23
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. (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 15 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 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

I noticed on XX/XX/2023, that these two bureaus are repeatedly, reporting incorrect information on my credit report. They have late payments and incorrect balances that have already been removed/updated. 

Account XXXX XXXX should be removed. 
Balance {$2600.00} Accounts below should be updated immediately XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$610.00} Late Payments XXXX Age of Account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Status CLOSED Last Payment Amount {$520.00} Late Payments XXXX Age of account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Status CLOSED Last Payment Amount {$80.00} Late Payments XXXX Age of Account XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Account Status CLOSED Last Payment Amount {$1200.00} Late Payments XXXX Age of Account XXXX XXXX
Consumer complaint received 2023-11-14
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc (TX)

i was told a membership fee was like XXXX a month. but yesterday, they took out XXXX out of my account at one time. and said it was for 3 months. i have cancelled my membership fee, and if you cancel within 30 days they are suppose to refund any money they took. and i did that.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2023, I mailed to Experian a notice of dispute to reinvestigate multiple inaccurate accounts that Experian failed to previously investigate and correct on XX/XX/2023. Experian did not abide by 15 USC 1681d either. It has now been 2 weeks since Experian has held on to my dispute letter, and nothing has gone into investigation or have undergone the disputing process. I am aware that under the Fair Credit Reporting Act there is a certain period of time the CRAs have to do an investigative dispute when put on notice per 15 USC 1681i ( 2 ) ( a ) ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Experian have been negligent, and it is affecting my livelihood as a result.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (NC)

I was laid off due to Covid-19 and was having troubles making payments. I also kept experiencing unauthorized charges and fees from Wells Fargo during this time which made it even harder to make payments. I called about the unauthorized charges and they closed the account so we could start the pay to delete process since I was laid off and unable to make payments. When making my last payment I spoke to the representative and he advised within 60 days the account would be removed from my credit. When I contacted them recently to get an update they advised that I needed to contact the credit agencies. This is not what I was told. They are not fulfilling their promise that if I pay off the account it would be removed. Also, due to me being laid off according to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section ( F ) Reporting information during COVID19 pandemic this should have not been reported on my credit. Wells Fargo has already agreed that they charged me unnecessary fees because I am still getting refunds from this company.
Consumer complaint received 2018-02-07
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: Experian Information Solutions Inc. (NJ)

There are several items which are unknown and several which are past the statute of limitations. I have disputed these several times with no outcome. Please help XXXX XXXX XXXX XXXX Past the statute and unverifiable - Remove XXXX XXXX XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX XXXX XXXX - Past the statute - Remove XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE XXXX XXXX XXXX - Past the statute and unverifiable - Remove XXXX XXXX # XXXX - DUPLICATE AND INACCURATE REMOVE XXXX XXXX ( I have an open GREAT account with this company but there is an old one showing that is PAST THE STATUTE with a XXXX balance - REMOVE
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-31
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. (PA)

I currently have unauthorized inquiries appearing on my credit reports. 

XXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX  Date of inquiry : XX/XX/XXXX 3.JPMCB XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX 5. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX  Date of inquiry XX/XX/XXXX 8. XXXX  Date of inquiry XX/XX/XXXX 9. XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submitted a claim against spirit airlines for XXXX charges. Both were the same amount XXXX dollars. XXXX for a XXXX flight and XXXX for a XXXX flight, both were to XXXX and impacted by the XXXX and had to be canceled. XXXX refused to refund the flight only pushing a voucher which I did not want. I filed a claim with the bank for the charges. The bank then closed XXXX of the claims and tagged it as a duplicate. When I called to question. This and Inform them it was not a duplicate they gave me an attitude. They admitted they messed up and it was not a duplicate but said they would not give me the temporary credit back and would add notes. When I asked for a manager I was put on hold at XXXX. The agent came back at XXXX and said they are done adding notes. I asked where the manager was I had asked for and they claimed the managers left at XXXX pm. I than said they did that on purpose and it was not acceptable. The agent refused to get a manager and hung up on me. They then closed my account a XXXX hours later for no valid reason. I have been a customer for almost a XXXX for this bank. They locked my debit card and online banking and will not give me access to my money. They blocked my attempt to withdraw my funds saying they will mail me a check when they finalize the closure. This is ridiculous as my rent is due and now I can not pay it. When I asked for a letter from them stating they were closing my account because of a bank decesion, and that they were with holding my funds they would not provide XXXX and said I would get XXXX in the mail when it is finalized. They have illegally with held my money and caused me to get late fees and possible eviction notice if the rent is not paid shortly. They did nothing to resolve the issue and kept saying it was a bank decesion and they dont have to give me a reason. This is unnaceptable and they have now caused me XXXX damage as well.
Consumer complaint received 2023-06-19
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: SYNCHRONY FINANCIAL (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2023-06-19
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: Upgrade, Inc. (FL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious XXXX XXXX & will continue to cause me XXXX XXXX XXXX XXXX until it is resolved.
Consumer complaint received 2024-04-19
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. (TX)

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 also states 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 reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am looking into buying a new property.. I need the credit freeze removed from my credit file ASAP. I have attached my updated information and my current address Please lift my freeze for 30 days.
Consumer complaint received 2023-09-22
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. (SC)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2023-08-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (GA)

I used chime as a starter account and then eventually went and got a regions account but I still use my chime also. After loosing my XXXX card and noticing strange transactions I cut the card off and requested a new one in the mail. Before I could receive my new card I noticed an additional charge to my XXXX  account so I moved all of my money from my XXXX  to my chime. The next day when trying to log in the I was notified that my account had been locked and I needed to contact support Wich I did. Support asked for numerous documents that I supplied and was told that the reason my account was flagged was because I exceeded the {$1000.00} transfer limit and after reviewing the documents and bank statements that the suspension was being removed off my account and I would receive a code via text within 24 hours that would uplift the hold. The code never came. I have been continuously attempting to get this solved but the chime support team who can handle this is only available by email and asks for the same documents repeatedly but never sending the code or unlocking the account.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Bank of America Client Protection Subject : Unauthorized {$10000.00} Deposit to My Business Account Dear Bank of America, I am writing to bring to your attention an issue with my business account under the name XXXX XXXX XXXX. On [ XX/XX/2023 ], a {$10000.00} deposit was made into this account that I did not authorize, and I have no knowledge of its source. I believe this deposit is unauthorized and requires immediate attention from your Fraud Department to rectify and resolve the situation. 

To clarify, I, XXXX XXXX XXXX, did not initiate or approve this deposit, nor do I have any record of such a transaction in my financial records. This deposit is both unexpected and unauthorized. I want to emphasize that there is no fraudulent or suspicious activity on my part. I am in full possession of my account and have not engaged in any unauthorized financial transactions. 

I kindly request that Bank of America 's Fraud Department initiate an investigation into this matter promptly to determine the source and legitimacy of the {$10000.00} deposit. I am fully prepared to cooperate in providing any necessary documentation or information that can assist in resolving this issue. 

I understand the importance of maintaining the security and integrity of financial transactions and am committed to assisting in any way possible to ensure a swift and accurate resolution to this situation. Please keep me informed of the progress of the investigation and any actions required on my part. 

Thank you for your prompt attention to this matter. I trust that Bank of America will take the necessary steps to rectify this situation and safeguard the security of my business account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] Please make sure to adapt the letter as needed, include your specific account details, and consider sending it through certified mail or any secure communication method for documentation purposes.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.