davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of certain Inquiries on my Experian Credit Report Dear Experian XXXX XXXX, I am writing to formally dispute inquiries listed on my Experian credit report. Upon reviewing the report received on XXXX XXXX and Experian I have identified several inquiries that I believe to be inaccurate or unauthorized. 

Below, I have outlined the specific inquiries that I dispute along with the corresponding details : 1. Inquiry from XXXX  XXXX Dates : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  Reference Number : N/A 2. Inquiry from XXXX XXXX Date : XX/XX/2023 Reference Number : N/A 3. Inquiry from XXXX  XXXX XXXX XXXX XXXX  ) Date : XX/XX/2023 Reference Number : N/A I would like to emphasize that I have not provided consent for these companies to access my credit information or initiate these inquiries. Therefore, it is essential that these inaccurate or unauthorized inquiries are promptly removed from my credit report.
Consumer complaint received 2018-08-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: FULTON FINANCIAL CORPORATION (PA)

XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, PA - XXXX ) has made it unusually difficult to close my Money Market Account. Specifically, this bank does not allow customers to close their account over phone or online and requires them to come to a branch just to close the account. Moreover, the bank did NOT explain this strange rule to me when I opened my account. 

In my case, this unexpected and strange rule led to additional problem : Since I didn't know this rule, I electronically transferred my entire account balance to another bank on XX/XX/XXXX as a preparation to close my account. A few days later I called the bank to close the account which is when I was first told about the rule that I'd need to go to a branch to do so. Since I couldn't find time to go to the branch due to my busy work schedule and also the business travels, the bank charged me {$25.00} Minimum Balance Fee on XX/XX/XXXX because the account had only {$6.00} ( which was monthly interest credited on that day ) left and was still open. This fee resulted in my account balance becoming negative. The bank interpreted this negative balance as 'overdraft ' although I had never withdrawn any amount more than my account balance. 

What's more, the bank started charging me an outrageous and predatory 'overdraft ' fee of {$6.00} PER DAY since the account balance stayed negative as I was trying to resolve this matter. After I called the local branch and explained them the situation, they insisted that I need to visit the branch to close the account but reversed original {$25.00} Min Balance Fee that had caused the account balance to become negative in the first place. Strangely, they refused to reverse the resultant {$6.00} per day 'overdraft ' fee and asked me to come to branch to pay all this 'overdraft ' fee before I can close the account. As a result, as of today ( XX/XX/XXXX ) this matter is still unresolved and my account has a NEGATIVE balance of {$140.00} ( consisting entirely of this ever-increasing 'overdraft ' fees ) simply because I could not close my account over phone, something all other banks that I've done business with over the years allow. 

Fulton Bank has been sending me letters asking me to visit a branch and pay them all these fees just to close my account. I sent them a letter on XX/XX/XXXX explaining the situation. They ignored it and have sent me one more notice threatening to report my account to XXXX, XXXX which may impact my ability to open a deposit account with other Financial Institutions in future. 

I find it hard to believe that in this 21st century world of online banking, we still have a bank that a ) refuses to let customers close their account over phone/online b ) considers negative account balance caused by this strange rule and its own fees as 'overdraft ' and c ) expects the customer to pay these dubious fees just to close their account! 

Hopefully, CFPB can protect customers from these dubious rules and fees that make no sense. 

Thanks.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I noticed unauthorized inquiries on my credit report, called the bureau & was told that the account is accurate. 
According to the FCRA these unauthorized and unverified items must be removed. Ive sent paperwork and proof of my identity & they still refuse to delete items
Consumer complaint received 2023-11-17
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. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX On my credit report the fraudulent listed account number is XXXX with XXXX XXXX XXXX XXXX This is not my account. I have tried over and over to clarify that this account does not belong to me. I have disputed it with the bureaus to no avail.I have sent letter and faxes to XXXX XXXX with my Identity theft report from the FTC. The only thing that the bureaus and XXXX XXXX are doing is validating the account. How can you validate a fraudulent account. This account is not mine.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

This is my last warning to this company before I proceed with litigation. I had requested that midland credit management cease all communications as described in the Fair Debt Collection Practices Act. To date they are still communicating with me. In my last complaint, they stated that they are allowed to report to consumer reporting agencies and that the term communication only refers to direct communication. However this completely goes against the procedures that were clearly defined in the FDCPA which defines the word communication as " the conveying of information regarding a debt directly or indirectly to any person through any medium ''. Consumer reporting is an indirect medium that this agency has chosen to continue to communicate a debt. This clearly violates my cease and desist request. As mentioned previously, this is my last warning before I proceed with legal action.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX My SS is XXXX My phone : XXXX Please remove all other variations of my personal information. 

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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

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 a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reports containing any of the following items of the information. Any other adverse item of information, other than records of convictions of crimes which anteater the report by more than XXXX years. 


15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any into relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One allowed someone to open a account in my name using XXXX. I dont use XXXX I use my married name XXXX. This person is hacking into my emails and getting my information and ordering things. My credit cant approve because of this person applying for everything. XXXX   got 17 off my record and my credit is still poor. I made police report and FTC report
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Credit bureau is reporting inaccurate information and unauthorized inquiries on my credit reporting this matter has been disputed and brought to their attention on many occasions it also have been removed and placed back on the credit report under different collection agencies. I am trying to keep a good credit history I pay my bills on time on a fixed income please give this matter your attention so I can enjoy things in life like all other individuals.
Consumer complaint received 2023-04-14
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: EQUIFAX, INC. (MS)

XXXXXXXX XXXX  ( secured ) XXXX XXXX  ( credit card ) XXXX XXXX {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXXall of the above has violated all or any of my rights..15. u.s.c. # 1681 section 602 A. STATES -a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-08-04
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WI)

We filed a complaint here and dispute the vague response from the servicer Ocwen XXXX. The procedure to keep up with this complaint is a bit confusing to us. We called the phone # given XXXX XXXX XXXX and the person handling this case has a message that she will not be back in her office until XX/XX/XXXX. We were not disclosed the papers submitted to this case. Total bologna.
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

On XX/XX/2016, this debt for {$1500.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2023-10-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

PLEASE DELETE THESES accounts I have never given my Premission for anyone to furish these Negative accounts. I know the law and I HAVE right Privavcy 1 ) XXXX XXXXXXXX Account # XXXX Delete 2 ) XXXX XXXX XXXX XXXX account # XXXX NEVER LATE 3 ) XXXX account # XXXX Delete 4 ) XXXX XXXX account # XXXX Delete 5 ) XXXX XXXX XXXXXXXX  account # XXXX Delete 6 ) XXXX XXXX XXXX  Account XXXX XXXX Never Late I never gave my permission to furnish any negative accounts.
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights. Under 15 USC 1681 section 602, states, I have the Right To Privacy.

15 USC 1681 section 604a, section 2, it also states a consumer reporting agency Can Not furnish an account with out my written instructions. Under 15 USC 1666b, a creditor my not treat payment on a credit card account under an open and consumer credit plan as late for ANY purpose.
Consumer complaint received 2023-04-27
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: JPMORGAN CHASE & CO. (IN)

Someone I dont know open 7 credit card accounts in my name and maxed out all the cards and now theyre starting to affect my credit score tremendously and I cant gave the companys to close my accounts they think I am lying so Im in need of help!
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (CA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 15 US-CODE 16921 ADMINISTRATIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Inquiries XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I noticed charges on my account, I called Chime, they did a claim to dispute charges, and issued me a new card. They told me the claim was valid and asked me to provide information in the claim. I explained to them that I didnt have information on the claim, and I have never used my Chime Credit Card at the place they authorized. They asked me to do a rebuttal with new evidence. I dont have new or old evidence, how can I have evidence if I never made those charges? 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$360.00} Claim ID : XXXX Dispute Type : Credit - Unauthorized Transaction Date Error Reported : XXXX Claim Amount : {$630.00}
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2023-07-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

A so called loan company ( XXXX ) contacted me and went in my account and reverse payment on old bill. They did that, to make it look like the loan was in there, they called back the next day and ask me to wire the money after I started to pay bills with it
Consumer complaint received 2023-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I was scammed by a breeder who asked me to pay by XXXX and did a bait and switch with her contract I never signed. 

My attorney wrote a demand letter and Ive submitted two claims to Wells Fargo their executive team has declined. Ive asked in both instances for Wells Fargo to allow me to submit documentation and they failed to do so siding with the breeder.

Im holding Wells Fargo complicit to the breeders crimes and filing a complaint. I want my money back as I dont want to have to escalate this to an attorney!