davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Subject : Urgent : Address Dispute and Breach of Personal Information Dear Equifax Dispute Resolution Team, I hope this message finds you well. My name is [ Your Full Name ], and I am reaching out to address a critical matter regarding my personal information that has been breached, compromised, and fraudulently used by a former employee. 

In support of my dispute submission, I have attached the necessary documents through the Equifax XXXX XXXX, as per the outlined procedures. XXXX, I must express my deep dissatisfaction with the lack of fairness and attention my case has received from Equifax. 

The specific concern at hand pertains to the inclusion of an address that is inaccurately listed in my file. This address, a po box XXXX is not only outdated but also fails to reflect my current residence. It is crucial to emphasize that I neither receive mail at this po box nor is it representative of my current address, which I have owned for over XXXX years. 

Equifax 's failure to promptly rectify this discrepancy has not only compromised my standing as a consumer but also as a creditor to my estate. Given the urgency of the matter and Equifax 's apparent negligence, I am left with no recourse but to consider legal action if the inaccurate address is not promptly deleted and amended to reflect my accurate and physical residence. 

I trust that Equifax will address this matter with the urgency and seriousness it deserves to avoid further legal implications. 

Thank you for your immediate attention to this pressing issue.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (NY)

So the credit card company XXXX closed my account without my knowledge and now we can even use the card anymore and now we are asking for a settlement and they are refusing to work with us so. I am filin a complaint against this credit card company. i refused to keep forking hundreds of dollars into this company at the max if i cant even use the card anymore when i didnt authorize the closure. i dont care about their excuses i want them shut down and closed for good i am beyond XXXX.
Consumer complaint received 2023-09-05
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. (VA)

This is my4th 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, VA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX US PROBATION OFFICE Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX : {$1100.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-05
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. (TN)

This is my NUMEROUS 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, TN XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$2300.00}, XXXX XXXX XXXXXXXX Balance : {$4700.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-05
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-11-23
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: Byrider Franchising, LLC (GA)

My credit was used on XX/XX/XXXX and I did not authorize anyone to pull my credit and to leave a hard inquiry the company name that shows on my report is XXXX its only showing on my XXXX report. I would like for this inquiry to be removed I also filed a report with identity theft gov
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (FL)

i checked my credit score and it decreased. i noticed an auto loan and tried to dispute it because it is not mine. the report came back that the account was mine. i do not own this vehicle. the company says the vehicle was purchased in new jersey. i live in florida. i never signed anything or was in person to set up this account. i would like this account removed immediately. i also did a police report.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

This is my 20th 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 Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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. (GA)

XXXX XXXX is fraudulently reporting a credit card debt and delinquencies to my credit profile. XXXX XXXX has been found guilty for deceptive and predatory practices, including reporting inaccurate account information to the two major CRAs, Experian and XXXX. There is a XXXX XXXX account that MUST BE REMOVED from my credit profile immediately! My request to block is not being made in error ; nor is my request being made on the basis of misrepresented material facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading, or factually invalidated information. I have been made aware of the following accounts that can not be verified and it must be immediately BLOCKED and DELETED from my credit profile. I have completed and filed an FTC IDENTITY REPORT and attached the document to the complaint filed and delivered via CFPB communication portal to the 2 CRAs, EXPERIAN and XXXX. 

XXXX XXXX XXXX Credit limit {$300.00} XX/XX/20XXXX XXXX
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation (FL)

I reached out to Aspire about a hardship I am currently dealing with. I received a correspondence on XX/XX/XXXX that I was enrolled into a special payment program that will reduced my monthly payments to XXXX a month. I was told that I was enrolled and I havent used my credit card since the hardship. I received a notification from XXXX XXXX  that my card was removed I reached out to aspire XXXX and I spoke to an agent and the agent told me that I am not enrolled. But an agent I spoke to last week told me I was enrolled. I should be enrolled into this program. I am being told different answers I am on a fixed income barely making it. I reached out again it is saying that the account is past due and in order to be in the program I need to make that payment I was not told that previously I responded to the correspondence on XX/XX/XXXX. And I agreed with the outcome and now your agents are giving me mixed answers
Consumer complaint received 2023-09-05
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: Experian Information Solutions Inc. (FL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

So my tenants were approved for rentals assistance in 2022 by Georgian rental assistance program DCA. As at that time my fianc was with and I gave her bank account info with wellsfargo to DCA to make the payment. The first of {$1200.00} came in for a month because they were two tenants who was approved, others werent. Late on they deposited all outstanding payment for both tenants which was amounting to about {$43000.00} into the checking account on XX/XX/year>. They put the account on hold after three days and when we contacted them they said they wanted to verify the source of payment and they said theyve sent DCA information and they needed DCA to answer them before they release the payment. On contacting DCA they said they didnt get any request from the bank and they fund is with wellsfargo. Wellsfargo later closed the account promising to send my fianc a check for the money in her account but never did and DCA said there was no return of payment because thats what I asked them to do if they couldnt release the payment. Ive lost my ability to walk. Currently disabled thats why I needed my fianc to help me. Till now, Wellsfargo has refused to release or return the payment. The last time I called myself, they said theyll release the payment once my fianc visits the bank or called, when she did, they still didnt release nor return the payment. Sometime when I called, an agent told me its with Georgia unclaimed funds which I dont know why or what that means. 

Ill attach the screenshot of the payment profile with DCA and when my fianc got the money into her account but wasnt returned to DCA even after it was removed from her account Please help me I need this money
Consumer complaint received 2023-09-18
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. (NJ)

I DONT RECOGNIZE THESE ACCOUNTS CAPITAL XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-09-19
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. (KS)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (UT)

I used Moneygram on XX/XX/XXXX to send XXXX usd. And i git a messsage saying the money was sent with the reference number XXXX, but minutes after i got an email saying the opened a case XXXX. They lied because they said it was the receivers bank problem and i told them many times that we spoke with the branch manager ( XXXX bank ) and they are very opened to receive the money so we drove many times to the branch wasting money and time. 

Please we need our money back because we have so many things to pay for. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
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)

Experian, XXXX XXXX, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting Experian, XXXX XXXX, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian, XXXX XXXX, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If Experian, XXXX XXXX, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, Experian, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers ' accounts.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (FL)

My credit lender are experiencing difficulty in accessing my credit information through service this has not only caused delays, but also has the potential to negatively impact my financial plans and credit standing they said it identified theft on my report i keep getting denied due to this on my credit report
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (IL)

I started an account with Coinbase. Upon doing so I made a small deposit via my checking account to purchase crypto currency. Shortly after the purchase my account was restricted and I was unable To retain the funds deposited which has successfully cleared and been deposited. The company stated I had multiple account which is inaccurate I have never established a relationship prior. They give me scripted statements and no real answers resolution steps or time frame to resolve. 
My email associated with account is XXXX XXXX
Consumer complaint received 2023-09-05
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24
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. (NJ)

I am writing to delete XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$510.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX  XXXX XXXX XXXX {$1100.00} XXXX  XXXX XXXX XXXX {$9600.00} XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$4600.00} XXXX  XXXX XXXX {$9000.00} XXXX  XXXX XXXX {$7200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {>= $1,000,000} XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Subject : Request for Correction of Payment Status Dear Experian Team, I am writing to bring to your attention an error on my credit report that requires immediate correction. According to the information provided, my payment status was supposed to be updated to " on time/never late. '' However, upon reviewing my credit report, I noticed that this update has not been reflected. I can see that Experian has updated the account with a notation " Updated '' as well as, Balanced updated " XX/XX/year>24 ''. However the 30 day late notice has not been changed. This account was paid on time and was never late and could you please update the late payment to Paid/Never Late. Just for extra reference it may display as paid on the XXXX however, it was paid on the XXXX ( Paid/Never Late ) Please find the details below for reference : Account Name : XXXX I kindly request that you update the payment status for the above-mentioned account to " on time/never late '' as agreed upon. 

Please confirm receipt of this letter and provide a timeline for when I can expect the correction to be made. 

Thank you for your prompt attention to this matter. I look forward to your response and the timely correction of my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I am lodging this complaint personally. Following a comprehensive examination, I've pinpointed inconsistencies in the recorded payment history. I contend that there might be an oversight or miscommunication, given my consistent adherence to timely payments. My aim is to resolve this matter and ensure the fidelity of my credit history portrayal.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-05
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. (NV)

These accounts are not mine, I noticed them when trying to make a purchase. XXXX XXXX {$8000.00} opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$3100.00} opened XXXX. XXXX 15 u.s.c 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Consumer complaint received 2023-12-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (LA)

Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the handling of the investigation into unauthorized charges on my account. On [ date ], I noticed several charges on my account statement from XXXX XXXX XXXX for products that I never received. Despite reporting these unauthorized charges to Chase Bank and requesting an investigation, I have not received a satisfactory resolution. I have evidence in the form of an email from XXXX confirming that they issued a refund for the unauthorized charges and advised me to check with my bank to ensure the funds were returned. However, the charges have not been reversed, and as a result, my account is now in the negative, causing significant inconvenience and financial distress. It is clear that the investigation conducted by Chase Bank into these unauthorized charges was inadequate and failed to rectify the situation.