davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/25 there was a charge on my Wells Fargo credit card for {$8800.00} for XXXX. When I received the statement, I immediately called the bank and file a dispute. I was not familiar with this organization and was surprised to see the expense on my card. When I spoke with the credit card rep they started the dispute process and cancel my card. I also filed a police report as I was very concerned. Police report- XXXX. 
A few days later, I received a letter from Wells Fargo advising me that they will reverse the charge claiming that it was authorized by me. They stated that they sent us two-way notification, and I approved the charges. I saw a text on my phone but I never responded. In addition, this is a large charge overseas to a charity in XXXX. The card is rarely used by us. We have no relationship with any organization in XXXX. 

I was back and forth with a few rep from Wells Fargo and they reopened the case a few times but now they advised that we need to pay. I don't understand how is possible... did they reach out to Merchant in XXXX? They mailed us the investigation results and showed some IT transactions and we called back and asked for an explanation they could not provide. Never had any credit issues and I don't understand they can think that they can charge us for something we never approve or requested. When they sent the case to one of their internal investigator, XXXX XXXX, she wrote back to us the following : I name XXXX XXXX as a victim. We desperately need your help as Wells Fargo refused to assist any more.
Consumer complaint received 2023-12-08
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. (NY)

I hope you are doing well as I write this. I'm writing to discuss a very important issue with my credit report. I've discovered multiple unauthorized accounts on my credit report, which has adversely affected my creditworthiness. I firmly think that identity theft is the cause of these accounts, and they need to be resolved right away. 

The following are the specific accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX To be clear, in no way have I initiated or authorized these accounts. Without my knowledge or agreement, these accounts were opened fraudulently. In order to resolve this matter, I have taken the required actions to notify the appropriate authorities about the alleged identity theft, including submitting a report to the Federal Trade Commission ( FTC ) and [ Name of Local Law Enforcement Agency ]. For your information, I've also included a copy of the Identity Theft Report that was submitted to the FTC. 

Since these accounts are not the result of any legal transaction or credit application filed by me, I respectfully ask that you look into the authenticity of these accounts and take the necessary steps to remove them off my credit report.
Consumer complaint received 2023-08-03
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: U.S. BANCORP (FL)

There is an inquiry on my XXXX Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my XXXX credit report immediately. Please remove the following : XXXX XXXX XX/XX/2023. Thank you. XXXX XXXX
Consumer complaint received 2024-04-28
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. (FL)

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 XX/XX/2023
Consumer complaint received 2023-12-08
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: Experian Information Solutions Inc. (TX)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




Closed Account : XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-08
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)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$6700.00}.
Consumer complaint received 2023-12-08
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: Experian Information Solutions Inc. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-28
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-12-08
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. (TX)

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit.
Consumer complaint received 2024-05-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Foursight Holding LLC (TX)

Foursight repossessed my car they gave a third-party my information without my consent and they have the car back in there possession and they are steady reporting late payments on my credit report they have broken laws : 15 usc 1692F ,15 usc 16802 , and 15 usc 1681 ( A )
Consumer complaint received 2023-12-08
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. (NY)

I am writing to express my extreme frustration and impatience with the ongoing presence of fraudulent accounts on my credit report. It has been an unacceptably long time since I first reported these fraudulent entries, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
Account Details : XXXX XXXX XXXXXXXX -PLEASE DELETE!!!! 
XXXXXXXX XXXX  XXXX -PLEASE DELETE!!!! 
XXXX XXXX  XXXX -PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!! 
I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. These fraudulent accounts are not mine, and I have never authorized any of the transactions associated with them. To address this issue, I have previously taken the following actions : The continued presence of these fraudulent accounts on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report.
Consumer complaint received 2023-12-08
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. (NJ)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/ and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-21
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. (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 2024-05-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX I tried to log into my Citibank account but was locked out. I called Citibank to inquire about the account and was informed that my account was scheduled to be closed and a refund check would be mailed to the address on file within 1-2 months. Citibank informed me that the balance of my account was {$97000.00} at the time of closing. Before the account was closed there was approximately {$100000.00} in the account. After waiting more than 2 months for a disbursement check I received a check for {$12.00} dated XX/XX/XXXX check # XXXX. Currently Citibank will not answer any questions concerning my missing funds nor refund my full balance. 

On XXXX XXXX, XXXX I wired {$100000.00} from my XXXX XXXX account to Citibank. 
XXXX processed successfully Account : XXXX The electronic funds transfer ( EFT ) from your XXXX account to your CITIBANK  XXXX XXXX XXXX  savings account ending in XXXX in the amount of {$100000.00} was processed on XX/XX/XXXX. No further action is required on your part. 

Before calling Citibank about my locked account I attempted to withdraw funds from Citibank via wire back into my XXXX account. On XX/XX/XXXX I received a message from XXXX that the funds were pulled bank into my Citibank account as the Citibank account has been Frozen.
Consumer complaint received 2023-12-08
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: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-07-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NY)

Dear XXXX : Pursuant to my rights under federal debt collection laws ( FCRA ), I am requesting that the above-mentioned account be removed from my report. 
This account is fraudulent because I left at the end of my contract year and did not renew the lease. Recently I called National Credit System to explain that I did not owe the amount and that they are reporting it twice. They said this was owed because there was damage to the apartment, which is not true. We left the apartment in perfect condition and totally clean. They made an offer of {$2700.00}, which I refused since I do not owe, XXXX XXXX Apartments any money. 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New York State Attorney Generals office. Civil and criminal claims will be pursued. 
Sincerely, XXXX XXXX XXXX This account is being reported to my account and my wife 's account. 
We are XXXX  speakers and are working with XXXX XXXX XXXX.
Consumer complaint received 2023-12-08
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. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (TX)

I've repeated contacted customer support to get my account unfrozen and a new debit card issued. They are holding my money hostage. I've been on the chat with agent after agent. Each one treating me with absolute disregard. I was forced to pay fees for a new card they refused to give me. They are holding my money and they refuse to help me. I first contacted customer support a WEEK ago and they still have my funds held. I'm absolutely disgusted with the blatant disregard for my concerns and wish to file any complaint and seek every punishment possible. This is extremely bad business practices. I asked them to have a member of management call me XXXX  I asked several times. Each time they refused. I'm done with being lied to and treated like an advisary.
Consumer complaint received 2024-05-26
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: SUNCOAST CREDIT UNION (FL)

1 ) On XX/XX/2023, there is an inquiry from XXXX XXXX made to all 3 majors XXXX XXXX Agencies against my report file. I never had nor have i ever initiated any type of credit account with XXXX XXXX. 
2 ) On XX/XX/2023, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file. 
3 ) On XX/XX/2023, XXXX XXXX was place to my XXXX credit file by XXXX XXXX. 
4 ) On XX/XX/2023, an XXXX was place by XXXX XXXX XXXXXXXX to my XXXX credit filefile. 
5 ) On XX/XX/2023, an XXXX was placed by XXXX XXXX XXXX to my XXXX credit file.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-08
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. (NY)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit card account with XXXX XXXXXXXX, and I kindly request your assistance in addressing it. 

Upon reviewing my credit report, I have observed the presence of late payments on my account, specifically for the months XXXX in 2023. I understand the importance of maintaining a positive credit history, and I am committed to ensuring the accuracy of the information reported. 


XXXX XXXX XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX customer service. 

I kindly request your assistance in reviewing my case and considering the removal of the late payment entries from my credit report. I believe that by doing so, my credit report will more accurately reflect my financial responsibility and positive payment history.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My account was charged for multiple purchases totaling {$9800.00} in XXXX XXXX before I received my card. I was physically located in XXXX with my family at the time as well. I noticed this by checking my balance in the app. I called Bank of America immediately and notified them. They asked me if I would participate in any investigation that would be started. I agreed. They also told me any funds that would be resolved would be deposited into my account. Within the following two weeks the funds were replaced. At no time was I contacted about any investigations or was I informed that these funds were temporary. Later I was issued a notice stating that my disputed had been declined and I could request all information used to come to this decision and I was to pay back the full amount. I requested the decision be reviewed and I also requested all documents available. I have not received any documentation at this time. I have called and further requested the documents and continued to have no communication on this subject. I have received a notice that I was credited {$3.00} for fees associated with prior claims.
Consumer complaint received 2023-04-27
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. (NV)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX