davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. However, to my dismay, the process of removal has been unduly prolonged, causing me significant XXXX and inconvenience. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-13
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. (NM)

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 XXXX XXXX # XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX  ), Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name, XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A. States I have a right to privacy. 

15 U.S.C.1681 section 602 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 than records of convictions of crimes which antedates the report by more than 7 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 2024-04-13
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. 

XXXX ) XXXX XXXX XXXX XXXX - Account number XXXX XXXX XXXX XXXX XXXX  - Account XXXX XXXX ) XXXX XXXX XXXX - Account Number XXXX XXXX ) XXXX XXXX XXXX XXXX  Account number XXXX XXXX ) XXXX XXXX Account number XXXX XXXX ) XXXX  XXXX - Account number XXXX XXXX ) XXXX  XXXX - Account number XXXX  XXXX ) XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX XXXX - Account number XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX, XXXX  - Account number XXXX XXXX ) XXXX, XXXX  - Account number XXXX XXXX ) XXXX XXXX XXXX - Account number XXXX XXXX ) XXXX  XXXX XXXX  - Account number XXXX All accounts listed above have violated my rights under 15 USC 1681, 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 conviction of crimes which antedates the report by more than seven years, 15 USC 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 2024-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XXXX Filed disppute of {$150.00} for XXXX transaction sent to wrong individual XX/XX/XXXX Spoke to WF representative, XXXX, his response was that case is with XXXX. 
XX/XX/XXXX Spoke to WF representative, XXXX, his response, no updates from receiving bank XX/XX/XXXX Spoke to WF representative, XXXX, her response, no updates from back office but would follow up and also included AirBnB fradulant transaction. 
XXXX Spoke to WF rep, XXXX, her response was she'd send another message to back office requesting update. 
XXXX to WF rep, XXXX, her response XXXX no updates and no guarantee of a resolution. Filed copmlaint with CFPB XXXX XXXX Returned call from XXXX from WF executive office. Left voicemail. 
XXXX Spoke to XXXX again from WF executive office, her response to the complaint is that there are no funds to reverse back.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (FL)

I filed several disputes for transactions in my Netspend / XXXX Account l. After having my settlement check direct deposited into that account the account was drained by a sudden surge of transactions all of which were not authorized by me, had no knowledge of, and really had no way of making the transactions as I didnt even receive the debit card until days after the account was already at.a XXXX balance. I submitted the disputes in a timely manner and after 30 days was informed they found no error which is completely absurd as this is a MAJOR error. I honestly believe this company wasted my time by making me wait 30 days and clearly investigated nothing at all and cost me hundreds of dollars in additional late fees and a multitude of other problems by having that money stolen from me. I feel this company is a total scam / fraudulent company full of theives who are stealing peoples personal finances and telling people they found no error in their investigating cause why would they investigate themselves. There is a major problem here and something must be done.. the transactions I disputed were in 2 separate disputes and are as follows : 1 ) XX/XX/XXXX for  {$1400.00} 2 ) XX/XX/XXXX for {$1500.00} I am formally requesting an investigation be done on this company and for the disputes i had sent to them and was denied.. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-16
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. (NC)

This was my 19th complaint to REMOVE the specific accounts from my credit reports Experian and XXXX. As a victim of identity theft, I want to emphasize that I did not initiate the charges for these accounts, and I am seeking their removal to rectify my credit reports. In accordance with FCRA Section 605b, Credit Bureaus are mandated to remove any items or information listed on an identity theft report, specifically XXXX XXXX. I am urgently requesting the removal of the following fraudulent accounts from my credit file within the next 15 days, coinciding with the approaching scheduled update of my credit reports : 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 2023-10-31
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)

I called and have sent letters to Equifax due to noticing unauthorized inquires on my credit report and that maybe someone applied for something in my name and FRCA requires all unverified and unauthorized items must be removed from my credit report, but no one is assisting in getting this done. I am being told that I need to contact the original credit bureau and I have assured Equifax each time that I have but they give me no other options and tells me there is nothing they can do. This is very frustrating, and it does not comply with Fair Credit Reporting Act.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (ME)

Please see attachment for all details. I have tried many times to get this fixed and no one wants to do anything. Citizens has been caught before for not handling disputes properly. They keep claiming they researched these claims from years ago but i have followed up and it is not valid. They will not refund my for the transactions. I have been trying for years but they are still not taking disputes seriously. Please help get this fixed and do not listen to them when they respond " we looked into the transactions and they are all accurate ''
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

I have been applying for credit cards but I am being told that my score can not be computed because I have no XXXX score, but around XXXX I did have a fine score., now I can not apply for credit due to this fact
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I've consistently maintained punctual payments on this account, never allowing them to lapse. I'm uncertain about the reasons for the late payment remarks on my accounts. Referring to 15 USC 1666b, billing errors should be rectified.
Consumer complaint received 2023-11-16
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)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance Owed : {$4.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$560.00} ; XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX  XXXX Balance Owed : {$1800.00} ; XXXX XXXX Balance Owed : {$0.00} ; EXPERIAN XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-13
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. (TN)

Subject : Dispute of XXXX XXXX XXXX Account [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally dispute the inclusion of the XXXX XXXX XXXX account, identified by account number XXXX, on my credit report maintained by XXXX. Upon reviewing my credit report, I discovered this item which inaccurately reflects my credit history. I respectfully request the immediate removal of this erroneous entry in accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The XXXX XXXX XXXX account is inaccurate for the following reasons : 1. **Violation of the Fair Credit Reporting Act ( FCRA ) : ** According to Section 611 of the FCRA, consumers have the right to dispute any inaccurate information on their credit reports. The inclusion of this XXXX XXXX XXXX account, which I believe to be erroneous, violates my rights under this federal law. 2. **Inaccurate Reporting : ** The reporting of the XXXX XXXX XXXX account is incorrect. I have never had an auto loan with XXXX, nor have I authorized any such account. Therefore, this entry is patently false and must be rectified immediately. In light of the aforementioned violations and inaccuracies, I demand the immediate removal of the XXXX XXXX XXXX account [ Account Number : XXXX ] from my credit report. I also request written confirmation of the removal once the investigation is complete, as per FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2024-04-13
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)

I was a victim of identity theft and 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. 


I told XXXX, XXXX, and Equifax to reinvestigate these 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 XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-04-13
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. (NC)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX FIN XXXX Balance : {$3200.00} CAPITAL XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XX/XX/2023
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

In the past, I have utilized the dispute function on the credit bureaus websites and have found the results inadequate. After months, the errors have not been corrected. There are multiple inconsistencies, such as an account showing open, yet its closed, and vice versa. As well as accounts showing a CO on the monthly reporting for years at a time
Consumer complaint received 2024-07-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (GA)

Lvnv is attempting to collect a debt and using the incorrect date of delinquency. I have tried to get this corrected numerous times and also asked for an entire payment history for the accounts they are trying to collect. I believe the date of delinquency is XX/XX/year>. Please investigate this and provide proof of the date. Please update my credit reports.
Consumer complaint received 2023-07-16
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. (TX)

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 reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-13
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)

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the correction of late open accounts on my record, despite my several attempts to rectify the situation. Despite providing extensive documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

This recurring issue not only causes me significant inconvenience but also undermines my trust in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX, XXXX XXXX Balance : {$23.00} ; XXXX XXXX XXXX XXXX Balance : {$4100.00}.
Consumer complaint received 2023-11-17
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (CT)

My Prepaid Center emailed me an activation code for the Prepaid Mastercard I purchased ( {$200.00} ). However, for the past hour I receive the following message : Oops. There's an error on our side. Please try again soon. 

I looked this up online and XXXX is filled with complaints about similar issues with this company. Many indicating the issue never gets resolved.
Consumer complaint received 2024-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

I found out my federal student loans were transferred again, this time to MOHELA. After calling and waiting on hold over 2 hours, I finally spoke to someone to set up auto debit withdraw to make sure my payments would be timely, as you can see my credit score I pay everything on time. I was assured over the phone in setting up the date for payment each month. Then I got a notice I was charged a late fee due to the date the mohela representative told me would be appropriate for keeping my payments on time and in line with the expectations for repayment. I have reached out through their secure portal inquiring and requesting they remove this late fee as it occurred due to the guidance is their employee. They have not provided any documentation about who that person was or when it was it processed, just sent me a form about auto debit and didnt even address my question at all. I then sent another message asking them to please address my question about the late fee and they just sent me a document talking about late fees. They have been absolutely awful to work with, do not know what they are doing, providing false and inaccurate information with ridiculous wait times, and fraudulently charging late fees. I just want the late fee removed at this point and would love to switch to another company due this but I dont think I have any ability to do so as it was switched to mohela without my consent. 15 years ago my now ex husband had a loan through mohela and they were horrible then and even worse now.
Consumer complaint received 2024-04-13
Product: Credit card — General-purpose credit card or charge card
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)

I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.