davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
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: Experian Information Solutions Inc. (GA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account. 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

I tried to freeze my account with Experian Credit via their website which I have done in the past. I was told my login info was incorrect. I requested to reset my password but the verification to do so has a different phone number which is not mine. I have had the same cell number for 30 years which is the number I use 100 % of the time. I have tried calling 3 different customer service numbers for Experian which after trying every possible combination to speak to a live agent has failed. There is no option to speak with someone live and the advice is to login to my account. They will only give me instructions on how to do so which I can not because I can not identify myself per the wrong number. This is extremely frustrating and worrisome of how any of my info has changed. I need your help to be able to contact someone to get this ironed out. Please contact me with any questions. Thank you in advance for your help!!
Consumer complaint received 2023-07-14
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)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX I need all my freeze/block removed ASAP. I am trying to access my credit for business and every vendor and bank keep saying I have a block or freeze on my credit profile. DOB XX/XX/XXXX SS XXXX
Consumer complaint received 2024-03-14
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: AMERICAN EXPRESS COMPANY (CA)

I opened CFPB case about AMEX XXXX. They tried billing my bank account despite manual payment made to fulfill minimum payment requirements. 

I have requested a stop payment in XXXX to avoid repeat of same this month. I have already informed AMEX about stop payment made in XXXX in XXXX. 

But they seem to indicate that I must make auto payment. I made a manual payment on XXXX XXXX but it is shown as advance payment made for XXXX. I requested them to account the manual payment towards minimum payment due for XX/XX/year>. 

They were asking me if I want to cancel manual payment despite me explaining the fact that the automatic payment they initiated will not go through in XXXX.
Consumer complaint received 2023-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX, GAXXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX GA XXXX XXXX XXXX XXXX, GAXXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$8700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (MD)

I purchase a car from car max in XXXX for XXXX dollar. I had the car until XXXX was repossessed. The finance company was XXXXXXXX XXXX. I get a credit alert that collection agency was XXXXXXXX XXXX I never received anything about how much the car was sold for or nothing. I call XXXXXXXX XXXX to see why it was on my credit for owning XXXX its no way I had this car for 6 years and still own this amount. So I agree to pay XXXX a month and reduce to XXXX was the agreement but they still have it on my credit for XXXX its making my debt on my credit high. I just want to know how much is actually own and what can I do to get the XXXX off my credit. Im trying to resolve this matter. I also reach out to credit bureaus and file a dispute and they said its accurate its no way XXXX is still owe out of 6 years. Thanks
Consumer complaint received 2024-04-11
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)

In an extensive review of my credit report from Equifax, I have identified multiple inaccuracies that directly affect the fidelity of my financial records and, consequently, my credit score. Despite several attempts to rectify these discrepancies directly with Equifax, the issues persist, prompting me to seek intervention from the Consumer Financial Protection Bureau ( CFPB ). The disputes encompass critical personal information discrepancies, including my date of birth and current address inaccuracies, alongside incorrect employment details. Furthermore, a public record item relating to a Federal Bankruptcy ( XXXX XXXX. XXXX ) is inaccurately reported in terms of type, status, filed/reported date, closing date, asset amount, court details, liability, and exempt amount. This inaccurate portrayal extends to several accounts across different financial institutions, which remain unresolved. Specifically, issues have been identified with XXXX XXXX XXXX XXXX XXXX accounts ( XXXX XXXXXXXX and XXXX ), XXXX XXXX  XXXX XXXX accounts XXXX XXXX XXXX and XXXX ), a XXXX XXXX account ( XXXX XXXXXXXX ), a XXXX XXXX account XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX XXXX accounts ( XXXX XXXXXXXX and XXXX ), a XXXX XXXX XXXX XXXX XXXX account ( XXXX. XXXX ), an XXXX XXXX account ( XXXX. XXXX ), and a XXXX XXXX XXXX account ( XXXX. XXXX ). These disputes encompass a range of issues, including but not limited to incorrect high balances, dates of last activity, reported dates, creditor types, payment statuses, and credit limits. My attempts to have these inaccuracies investigated and corrected through direct communication with Equifax have, regrettably, not resulted in the necessary corrections, despite the provision of supporting documentation and repeated requests for review under the Fair Credit Reporting Act ( FCRA ). This situation has left me with no alternative but to seek the CFPB 's assistance in resolving these discrepancies, which unjustly impair my credit reputation and financial standing.
Consumer complaint received 2023-07-14
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (NC)

Dear CFPB, I am writing to express my concerns regarding a deferred-interest arrangement associated with my Wells Fargo Credit Card which was used for purchasing closets from closetsbydesign loan. I believe that the terms and conditions related to deferred interest have not been adequately disclosed or have been misleading. 

Here are the details of my situation : Account Information : Name of Financial Institution : Wells Fargo Issue : Interest of {$5400.00} on Balance of {$5200.00} I was not aware that interest would be retroactively applied if the balance is not paid in full by the promotional periods end. I request clear disclosure of the deferred-interest terms and a fair resolution to this matter. 

I kindly request that the CFPB investigate this matter and take appropriate action. As a consumer, I believe in fair and transparent practices, and I hope that my complaint will contribute to improving industry standards. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-14
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. (AR)

I am sending today my CFPB Complaint in contempt of my credit report I found out that there are some late accounts. I guess I have always made my payments on time. For some reason, I realized that there were late payment on my credit report and I do not believe I was late on the dates they are reporting. These accounts should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an accounts that has already been paid. These accounts should be corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I instituted a fraud alert via Experian in XX/XX/2023. It seems it was never put in place. I spoke with XXXX today and they said I dont have an account. Which would mean I dont have an account with the credit bureaus.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Northern Trust Company, The (AZ)

On XX/XX/2023 I found that there were 2 checks written on my account with out of sequence numbers, clearly forged signatures, not my handwriting and written and cashed by the same individual. The checks were for {$10000.00} and {$6200.00}. I immediately reported this to Northern Trust and my wife and I sent in drivers license copies, affidavits affirming the counterfeit checks and all other information requested within a couple of weeks. I have numerous email correspondence with them and was told that it would take 90 days before any money would be returned and that it was all dependent upon the bank that accepted the counterfeit checks before Northern Trust would refund my money.
Consumer complaint received 2024-04-11
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. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER - XXXX XXXX XXXX
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BlockFi Inc (CO)

Someone at the Deserve via BlockFi company fraudulently had an account under my name and social security number. Illegal and fraudulent charges were made and not paid on that card. Even though the company assured the account was closed and no longer connected to me, they continue to report it to credit agencies as a negative account on my credit report. Since this account was due to fraud, according to the FCRA, it should be removed immediately.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

1. Wells Fargo mailed the Debit Card AND the PIN that arrived on the SAME day BOTH TIMES!

a. See attached USPS Informed Delivery PROOFING this!

2. We NEVER got these items from XX/XX/2024! This was the Termite Tenting day and we were not there for the few days required when tenting.

3. Wells Fargo sent me 3 emails about declining transactions. These are FLAGS that theres abnormal activity occurring!

a. THEN still POSTS these out of our account!

4. Within 2 days of filing the Claim we got a notice saying its not your responsibility?? Obviously NO ACTUAL Investigation was conducted. Only the BASIC DEFAULT RESPONSE that the PIN issued was used NOT considering the DECLINE activity.

5. IF they actually looked at that and EVEN ASKED for more information to send these evidences then would be considered FULL INVESTIGATION. Seeing our banking history and our banking activities would also be evident that these transactions were NOT done by us.

6. The very fact that it was all at a NON-WELLS FARGO BANK with multiple transactions of withdrawing {$100.00} to {$200.00} each is also QUITE EVIDENT of FRADULANT ACTIVTY!

7. NOT to mention TRACE the ATM and LOOK at the VIDEO AT THE ATM!!

8. And AGAIN the COMPLETE IRRESPONSBILITY of Wells Fargo SENDING the DEBIT CARD and the PIN in the SAME DATE! ABSOLUTELY BANKS FAULT!
Consumer complaint received 2024-04-11
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-08
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: CITIBANK, N.A. (SC)

In or around XX/XX/ 2024, a credit account was fraudulently opened with my personal information at Wayfair via Citibank. In or around XX/XX/2024, I received notice of this fraudulent account via a Wayfair statement mailed to my address demanding roughly {$950.00} for purchased goods. I contacted Wayfair and informed customer service that I have not done any business with Wayfair or Citibank, and the account in question was fraudulent. Wayfair conducted an investigation and determined that since my personal information was used, I would be liable for the charges and that the unpaid balance would be recorded on my credit report. I intend to pursue legal action if Wayfair and Citibank can not correct this fraudulent account.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-03-08
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: CITIBANK, N.A. (SC)

In or around XX/XX/2024, a credit account was fraudulently opened with my personal information at Wayfair via Citibank. In or around XX/XX/2024, I received notice of this fraudulent account via a Wayfair statement mailed to my address demanding roughly {$950.00} for purchased goods. I contacted Wayfair and informed customer service that I have not done any business with Wayfair or Citibank, and the account in question was fraudulent. Wayfair conducted an investigation and determined that since my personal information was used, I would be liable for the charges and that the unpaid balance would be recorded on my credit report. I intend to pursue legal action if Wayfair and Citibank can not correct this fraudulent account.
Consumer complaint received 2024-04-11
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 : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account 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.