davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting Act 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 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 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 item of information, other then records of convictions of crimes which antedates the report by more then 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 2023-12-16
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

They are still emailing me after I asked them to reach out to the address they have on file. I have yet to receive requested validation of debt. I replied to the email they sent stating I have not received requested information and to please stop contacting me until I do. I reported to Credit Bureaus but they are still updating my account as accurate even though I was not supplied proof. This is an unfair business practice and a violation of my rights.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

To Whom This May Concern, I XXXX XXXX XXXX have tried two-time XXXX & XXXX to get my personal information correct but Experian refuse to remove an address that's not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have sent in information showing my correctly address where I can be reached and where I have responsibilities at. Experian just keep violating my right to have my personal showing correct ( it is not my home ) to keep identity theft down, please delete this address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (NV)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. 

I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within XXXX days. Therefore, I expect to receive your response within this time-frame.
Consumer complaint received 2023-12-16
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. (TX)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2023-06-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC. (OH)

I'm in belief that this is a fraudulent loan, I believe a lender normally evaluates the individual past credit history as well as the current income. 
I've spoken to the Santander representative several times indicating that my monthly calculated financial monthly payments well exceed my necessary expenses. I also asked how my income was reviewed and calculated which Santander responded by saying that on my credit application that I listed XXXX was my gross income, which Santander took advantage of their loan terms which had been initiated at the " End '' of the year XXXX, which can be verified by the loan document itself. There are also other expenses like rent that was not looked at by Santander which was later explained that i do receive housing assistance but majority of rent I pay myself. 
These issues play a major role in determining my eligibility towards financing, but Santander agreed to distribute this Loan based on misrepresented income and credit verification and were notified as well as the dealership or seller of this Loan.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OR)

In accordance with the 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 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 item of information, other then records of convictions of crimes which antedates the report by more then 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 2024-04-25
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: EQUIFAX, INC. (OH)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-08-09
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. (FL)

To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 



XXXX XXXXXXXX XXXX Opened XXXX {$570.00} XXXXXXXX XXXX XXXXXXXX Opened XXXX {$900.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

There are collections as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Getting the money when they were not recognized and are existing since last few months and you need to remove them from the credit history.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-04-25
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: EQUIFAX, INC. (VA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-04-25
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. (TN)

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. Has violated my rights. 
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 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 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  Account # XXXX 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 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, XXXX, I submitted a reinvestigation letter to XXXX pursuant to 15 U.S. Code 1681i ( a ) ( XXXX ) ( A ). The account in mention is XXXX XXXX XXXX XXXX XXXX  This account held numerous inaccuracies and incomplete information XXXX. This account doesn't have a payment history reflecting at least XXXX days worth of late payments to even constitute a collection charge off. 

XXXX. Equifax failed to conduct a thorough investigation within XXXX  days XXXX. Equifax failed to follow Metro 2 compliance standards XXXX. Equifax failed to provide written proof of verification. See : 15 U.S.C. 1681i ( XXXX ). 

XXXX. Equifax XXXX forged inaccurate and damaging information on my account by adding an unknown address to me without verification XXXX. Equifax failed to mark account " disputed by consumer ''. See : 15 U.S.C. 1692e ( XXXX ) XXXX. Equifax failed to remove the account after XXXX XXXX advised them that the debt was not valid. 

In short, due process requires If the investigation does not provide consistency, verified, accurate and complete information which is validated as factual by the debtor, then the account MUST be DELETED.
Consumer complaint received 2024-10-15
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: WELLS FARGO & COMPANY (CA)

On XX/XX/2024 I found my trucker was leaking oil so I was looking for the body shop to fix it. I called the body shop and they said I need to pay first then they could waited me so I driver my trucked to their shop by my own ( no tow service )! When I got the body shop they said no parts so cant help to fix so I asked them to refund my payment but declined because no services provided to me. The guy in the shop only took XXXX mins to check my trucker then on his call about XXXX mins! Thats their services? When I left the body shop I called my bank WELLS FARGO go dispute this charge. This morning XX/XX/2024 the banker said they asked the business said thats their business policy so couldnt refund my payment! IT IS TOO RIDICULOUS! No service provided then charge me over XXXX XXXX XXXX!! Seriously? And the bank close my claim! Should the bank needed to be protect customers right? 
I have to complain with CFPB to get my money back because no service provided at all! 

Please see on the receipt it says call out fee ( actual we drove to their shop by our own ), shop supplies ( they said no parts ), labor fee ( no service ), service fee? It charged me {$450.00} The Wells Fargo claimed number is XXXX
Consumer complaint received 2023-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (MI)

On XXXX I was having issues withdrawing money from my account at an ATM so I XXXX chime customer service number and talk to one of the agents so he says he is with chime so I've never had to call tech support for chime and the whole time as I'm on hold believing that I was being help with resetting my account he changed my account around he put my money in my checking from my credit builder account. Then I got hung up on and of course I called back Multiple times so then I realized I got scammed money was transferred to them I had seen in my history transaction I've have the number and password he try to use to get in my account and the email I reported to chime to dispute it I sent them all the evidence and proof I have to make the case easier to deal with I also assume if I was quick to give the information they would be able to catch them im really struggling in life and they to all the hope i had save up XXXX to make my life a less stressful i really feel like a fool and stupid i had hoped that chime would protect one its longest member I didn't feel they cared about my situation how quickly the close my case which was on the XXXX XXXX. 2023
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IL)

In my recent credit report, I suddenly I notice that there was an inaccurate account. This was not sent in error. Now I have some false not 100 % accurate account on my credit. 

XXXX XXXX CHILD SUPPORT
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-18
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)

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 ( 5 ), 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. 

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 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (VA)

I applied to XXXX XXXX XXXX XXXX XXXX and my application was immediately denied. I called them and they said my application was denied for the following reasons : * Ration of credit bureau trades with a balance greater than XXXX ( We look at the ratio of open and closed credit accounts that have a balance greater than XXXX in the last 6 months ) * Number of revolving bankcards reported by credit bureau ( We look at the number of bank credit cards in your bureau report ). 

I checked my XXXX credit report and it did not show any credit trades for the last 6 months. I have 7 credit cards with an age between XXXX XXXX XXXX years and I use 3 credit cards with a 4 % credit utilization. When I applied to this credit card I had a score of XXXX and I make over $ XXXX a year. 

I think Wellsfargo denied my application because they don't want people who pay the whole balance at the end of the month because it '' s not profitable for them.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

chex systems is reporting inaccurate information on my credit report. i have disputed numerous times and i have not heard anything at all. they have never resolved this. 

XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (TX)

US Bank advertised that if I applied for the SKYPASS Business card and met the requirement of spending {$5000.00} within 3 months, I would receive XXXX Korean Air SKYPASS Mileage. 

I applied for this card on XX/XX/XXXX, and spent more than {$5000.00} by XX/XX/XXXX. However, the mileage did not come in the XXXX statement, so I called US Bank Customer Service in XXXX to raise this issue, and received a letter from US Bank on XX/XX/XXXX. According to the letter, US Bank changed the rules for this card and is not providing the XXXX Skypass miles. 

According to my research, this rule change was made in XXXX, and it was a clause that did not exist at all when I applied for this card on XX/XX/XXXX. If I had known that this clause would be added later, I would not have applied for this credit card.