davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Ive been going back and forth with the credit bureau XXXX, XXXX, Equifax, trying to get my credit report fixed but to no avail theres inaccurate accounts that dont belong to me that Ive noticed which is XXXX XXXX XXXX accounts that arent mine and XXXX XXXX account that isnt mine either.Neither credit bureau does any complete investigation into this matter which frustrates me that I cant get help. This is causing me harm and is very detrimental for me to obtain credit.
Consumer complaint received 2022-12-11
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. (NV)

In Accordance With The fair Credit Reporting Act. The list of Accounts Below HasViolated My federallly Protected cosumer rights to privacy an confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c sectiobn ( a ) ( 5 ) section states ; no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than the 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Consumer complaint received 2024-04-08
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. (OK)

Ensuring prompt payments on this account has been my priority, never allowing them to lapse. The presence of late payment remarks on my accounts leaves me uncertain. Under 15 USC 1666b - Billing Error, corrective measures are called for.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In Accordance With The fair Credit Reporting Act. The list of Accounts Below HasViolated My federallly Protected cosumer rights to privacy an confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights 15 U.S.C. 1681 section 602 A states i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c sectiobn ( a ) ( 5 ) section states ; no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than the 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

All my GA UI Covid benefits were stolen off mybWay2go from GA DOL. I have filed several fraud complaints with GADOL, IRS, FEMA disaster fraud but have not been able to recover any of the funds. I spoke on the phone with DOL and the issuer of the card, however my situation has not been resolved after a year of continues complaints online and on the phone. The card is FDIC insured which I would assume would refund the lost funds, while waiting for GADOL to investigate. I need help in order to successfully recover the {$18000.00} stolen from me using my Way2go from the GADOL. My previous attempts and complaints have been unsuccessful at resolving this matter and recovering the funds. I need to know who to contact an what steps I need to take in order to get my money back.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

I had fraudulent activities on my checking account. Business account unauthorized purchases that I said I did not purchase, and Wells Fargo said they will not return my money and process my fraud claim because theyre claiming that the fraud charges were authorized by me which they were not the amount is up to {$4200.00} and its affecting my business because the money was taken out of my business account now I do not have working capital to run my business.
Consumer complaint received 2024-04-08
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. (FL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-06-05
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: EQUIFAX, INC. (TX)

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 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 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In Accordance with the fair credit reporting act XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WA)

These companies checked my credit WITHOUT MY AUTHORIZATION XXXX  XXXX  XX/XX/XXXX. 
XXXX  XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX. 
I have an FTC report on my credit files and it clearly says that they should call me to make sure I am the person applying. I have NEVER applied with any of these companies. I demand that EQUIFAX DO ITS JOB BECAUSE THEY NEVER DO INVESTIGATION. THEY ONLY WRITE YOU PURE LIES. AND THEY DISCLAIM RESPONSIBILITY. 

EQUIFAX PLEASE PLEASE DO YOUR JOB AND INVESTIGATE DEEPER. IT IS NOT FAIR THAT THEY FILL MY CREDIT WITH INQUIRIES THAT I HAVE NEVER APPLIED. OTHERWISE, I REQUIRE YOU TO PROVE ME WITH DOCUMENTS SIGNED BY ME THAT I MADE THOSE APPLICATIONS
Consumer complaint received 2023-09-27
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. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-12-11
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: EQUIFAX, INC. (NV)

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND EQUIFAX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts 4. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My phone numbers XXXX XXXX XXXX
Consumer complaint received 2022-12-11
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. (NV)

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. TRANSUNION AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts 4. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX My phone numbers XXXX XXXX XXXX
Consumer complaint received 2022-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. 


Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer reportcontaining any of the following items of information : Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : { dispute_item_and_explanation } By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Consumer complaint received 2022-12-11
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. (FL)

checking my credit profile ive notcied alot invalid information that is hindering my credit profile. I am intrested in disputing all incorrect data. all credit reports are not 100 % accurate. please update the information submitted asap.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations, I the consumer may have given you written, unwritten, verbal, and nonverbal, per 15 USC 1602 effective immediately. The privacy act of 1974 explains that it is illegal to report transaction history. Not to mention as you can see from the attached snippet the account is paid off. The information reflecting on my credit is not accurate. It should be {$0.00}. This has affected my mental health greatly, especially since my utilization is high, other businesses would not work with me.
Consumer complaint received 2023-02-12
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Cedars Business Services, LLC (NY)

The defective product was returned to XXXX. Without a membership the product will not work. The collection tactics have been harassing and my ex husband was called. They call me 3-4 times a day, send texts and emails. No balance owed. Debt should be removed from my report.

I am disputing this debt accuracy, This account is closed & settled & was sold to collections without my consent. I have received harassing calls & mail it's required by the Fair Debt Collection Practices Act ( FDCPA ) to remove inaccurate reports. 





CEDARS BUSINESS SERVIce XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OK)

Here I will list all the companies that the performed inquiries not authorized by me : XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

On XXXX XXXX Purchases were made for the amount of XXXX with my Gap credit Card in Texas, while I was physically in XXXX NY. It all started with a sim swap for a XXXX account where my identity was stolen. Later used fraudulently for a credit line. I did file a police report as soon as I realized that I was a victim of identity theft. I filed the police report on XXXX XXXX contacted Barclays the company for the Gap card too many times since XXXX when I found out I was being over charged with items I never purchased. The Account was closed on XXXXXXXX XXXX XXXX  for further investigation. After the investigation they said the activity is valid because the card was identified as being in my possession and chip card technology was used. I'm being accused for something that I'm a victim for.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc. (MI)

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 [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ NEED UNWANTED INFORMATION DELETED ASAP PLEASE ]
Consumer complaint received 2022-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have fraud on a account right after I set a payment to come out for my capital one credit card and I couldnt cancel the payment so when the payment came out there was no money in my account due to my bank account having fraudulent activity, so capital one closed the account. I called them and they stated that once they closed the account they could not reopen it.
Consumer complaint received 2022-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-11
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCF Intermediate Holdings LLC (CA)

I talked to XXXX @ XXXX that this was not the number of who he was looking for, then two weeks later called the same number and asked them not to call anymore. XXXX calls twice a week or more adding to the over 30 junk calls a week.
Consumer complaint received 2022-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2022 I have noticed that my bank account was accessed by unauthorized individual/s and funds were transferred through XXXX to XXXX I don't know, the first transfer made was in the amount of {$10.00} to XXXX then the second transferred was in the amount of {$3400.00} to XXXX as well amounting to a total of {$3500.00} transferred in total. I have contacted the Bank of America and specifically told them that my phone number was compromised and I no longer have access to my online banking and that I would like the online access be XXXX and the accounts frozen as well as requested an in-person identification of identity. The Bank of America did not honor my requests and to thus day XX/XX/2022 still did not disable the online banking and the unauthorized individual/s still have access to my account and even opened up new credit card accounts and new bank accounts to my name. This individual also managed to to go back into the frozen account after the claim was approved and took the {$3500.00} again through XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in order to go into the branch in person and get the funds I had out of my bank account and also to tell them the same exact thing about disabling my online banking and freeze the accounts and also require in-person identification ; however, my request fell on deaf ears. I have now reached a dead end and do not know what to do at this point.
Consumer complaint received 2022-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had a Bank of America travel rewards card for some time since XX/XX/2021... I kept the balance low or paid in full. For some reason after have this card for years they suddenly closed the account without warning. This card was kept for purchases and possibly emergency situations. The card was in good standings but for some unknown reason, the bank decided to close it. As a result, this caused my credit score to drop. Sure, over all those years of having the card, I faced some hardships like many other people do but I was not late on the account many times. Nor before closing the account, had I been late for some time. The account was being used responsibly and had an ending balance of XXXX. So I'm trying to understand why would they close this? This was an unfair move by this Bank and I would like my account to be re-established.