davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-07
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)

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 TOL Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2022-12-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

In apprx. 2012, I was scammed by a XXXX romance scammer.. 


This scam was very complex, and I went to the FBI here in XXXX 


I SENT {$10000.00} TO A BANK IN XXXX Tennessee, and the unknown woman or recepient of the {$10000.00} was posing as an Aunt to the romance scam as his Aunt.. 


I SPOKE WITH HER... 

i FOUND OUT SHE HAD A BANKING ACCOUNT AT THIS XXXX Bank but when I called to complain the vice president or manager I can not remeber I am XXXX, a senior female, said that yes this woman had an account but they had closed her account because of multiple complaints.. So I said well wells Fargo wired your client my {$10000.00} and I want it back! My entire savings.. and she said well you sent it it so its not our fault even though they knew! this woman was part of a scam!! 




I KNOW WELLS FARGO IS INSURED AND THEY WERE WRONG TO WIRE IT OR AT LEAST SHOULD GIVE ME BACK THIS MONEY.. 

They closed my account and a bout 8 months ago sent me {$14.00} or some such amount for my inconvenience??? 

So that is part of my story.. 

Thank you..
Consumer complaint received 2024-03-07
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: Experian Information Solutions 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 XXXX  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 2 out of 3 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 Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (AL)

Affirm.inc leveraging XXXX XXXX debt collector is engaged in bad faith deceptive loan origination and debt collection practices. It is not possible to engage in the steps necessary dispute or negotiate a debt without personal information being used for enduring and continual marketing financial products with no ability to opt out. This makes it impossible to seek remedy for alleged debts without having personal information sold in exchange. The process is described here XXXX  : XXXX XXXX Once XXXX  owns the customer relationship and has helped those consumers out of debt, it can begin to layer on additional financial services : partnerships with neobanks, debit cards, banking services. These are excellent businesses once the customer is in the door, but many attempts die at the hands of high CACs. XXXX is playing the long game, and has been for the past seven years, because it knows it can do well by doing good. 
Fewer consumers in debt, more consumers with access to financial services, more profits for XXXX. '' Affirm did not positively identify individual using their buy now pay later service and a loan was created in my name. The loan was not paid on. When the loan went to collections it was disputed via Affirm and XXXX credit report. The company provided no documentation showing the loan was valid and simply confirmed the loan. Affirm then advised to contact their debt collector to continue the dispute. Contacting their collection agency XXXX XXXX results in a new and permanent account with XXXX XXXX being created that market financial products from. Affirm never had consent to open the line of credit and therefore had no consent to give to XXXX XXXX for marketing of financial products to the non-consenting party. The current practices prevents the consumer from taking action on items reported to their credit report without unknowingly signing up for unwanted financial services.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX, XXXX is reporting incorrectly. They are reporting that my account is still delinquent as of XX/XX/XXXX, but it was paid off in XX/XX/XXXX. I did dispute this with XXXX XXXX XXXX which was the original creditor. Also, XXXX has reported to the bureaus according to XXXX XXXX XXXX that there is a medical code on the account. Which is also inaccurate because it is not medical. XXXX XXXX put the issues of the reporting errors on XXXX XXXX, XXXX.
Consumer complaint received 2024-03-07
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CO)

Experian.com has a membership to lock your account that they promote. They do not promote their free credit freeze, nor do they make it available to consumers are in need to freeze their credit without having to pay a membership fee. They force you into a membership to lock your account because you can not find credit freeze easily on their site or app. 

The representative I spoke to today XX/XX/2024 gave me information and steps to find and it was not under the credit or protection area of their site. 

I had to search their FAQ 's on locks to see the freeze option. This is predatory marketing to get people who are trying to stop fraud on their account to pay for a service that should be free. There should be no lock option we have to pay for. 

A refund for my {$24.00} was given but sadly wonder how many people in a panic have been coned into getting a membership to lock their credit report when they could have placed a freeze for free. Even in this site link below the links and how to get to the site to do this freeze is not promoted the same way that the lock is. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-07
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX IN Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/2022 I called Capital One to ask if I could make arrangements to pay XXXX $ of my XXXX $ payment, due on the XXXX, with the balance of XXXX $ for the XXXX payment on the XXXX of XXXX. I was told, " no problem ''. When I called on the XXXX with my XXXX $ payment, my account stated I owed XXXX $ for XXXX. This included my XXXX $ minimum, a late fee of XXXX XXXX and the XXXX $ I was paying that day. In talking to them, they waved the late fee and accepted my XXXX $ payment, completing my XXXX payment. With the understanding that my autopay would return to normal minimum of XXXX $ for XXXX payment. On XX/XX/XXXX my bank was charged XXXX $ from Capital One. I called again and explained that this was erroneous, that this payment included the XXXX XXXX waved, late fee and the XXXX $ I payed on the XXXX, as agreed by them. This was argued with me that the XXXX $ was my minimum due. I asked to be credited back the XXXX $ and the XXXX XXXX which would make my actual payment XXXX XXXX as it should have been. I just received a letter and statement that I was refunded XXXX XXXX With an added XXXX $ late fee and a payment due of XXXX XXXX The letter was dated XXXX XXXX. As of the XXXX of XXXX, I have not recieved any notification from my bank of any refund. 
There is no one at Capital One who speaks enough XXXX to understand any information given them. They make arrangements with you and do not keep their word. I have never been late with any payments. This company is completely disconnected with one another and their autopay system is completely dysfunctional. 
A final attempt to converse with Capital One produced a response that they see no indication of these arrangements and are standing by their actions.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

Items where deleted from my report, and return after being deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-01
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

The theft occured in XXXX An XXXX account was opened in my name, spent to the limit then left for me to pay. I called the company and told them this was a theft and not my account. I opened up a page on XXXX, sent XXXX a letter and am still getting bills and it still shows up on my credit.
Consumer complaint received 2024-03-07
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-07
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)

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 XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2023, I filed a claim in the amount of {$180.00} for an ATM withdrawal. The ATM didn't dispense any cash and it read " error. '' Unbeknownst to me, my account was debited the entire amount. I explained the entire situation to a claims representative and I was told to wait for the investigation to be completed. However, my claim was ultimately denied. I am now out of my money and there is nothing else I can do besides file this complaint in hopes of getting this resolved in my favor. I've provided as much information as possible, but I have been unsuccessful at getting my funds returned. I work very hard for my income and I'd appreciate a thorough investigation into this matter.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2023-02-24
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. (TX)

On XX/XX/23, XXXX XXXX sent me a notification about credit inquiries from XXXX XXXX Someone fraudulently applied for credit cards for Buckle, Game Stop, XXXX XXXX, and XXXX XXXX. 

I have called Equifax and XXXX XXXX  about the issue and so far the fraudulent activity remains on my credit report.
Consumer complaint received 2024-03-07
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)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to XXXX XXXX, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (AL)

I have a unauthorized inquiry on my credit report with equifax Ive sent dispute letters Ive called now Im submitting my ftc complaint here is the name of the hard inquirie The XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-06-16
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. (CA)

These credit bureau are reporting this information incorrectly and fraudulently. I will attach supporting documents in hopes of finalizing this report to be removed immediately. This company was paid in full and requested an additional amount weeks after being paid the contract amount. Along with a data breach this company is involved in. Please remove from my report showing any late payments or derogatory remarks.
Consumer complaint received 2024-03-07
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. (OH)

In accordance with the XXXX XXXX XXXX convergent 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 account without my written permission. 

Reporting a late payment on credit report. 
Account # XXXX was also being review cause of the changes to the account. XXXX XXXX agreed to a new term for my loan and I have to cover the month of XXXX first in order to do so. I attached files.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (TX)

Received notice of a collection on my credit report from Spring Oaks Capital LLC. I never received a notice to dispute this debt. I filed a dispute with XXXX on XX/XX/XXXX and received the results on XX/XX/XXXX stating that the debt was verified as accurate. Furthermore, this collection agency is not licensed to transact business in the state of Texas.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

Experian is not following the rules of the FCRA. I requested they investigate XXXX specific accts on my credit report. I felt they were reporting in error. Experian reported back that they verified all the information & when I requested they re-investigate the information they said I needed to contact the data furnisher directly. So on XXXX XXXX, XXXX I sent letter, via certified mail, to the XXXX data furnishers requesting additional information. To this date not XXXX data furnisher has provided me with any information about my accounts. So on XXXX XXXX, XXXX I sent a letter to Experian informing them that all data furnishers have ignored my request & I requested they remove the negative errors on my report. I included the letters I sent to the data furnishers as well. Experian has since responded & said they will not remove any information that they 've already investigated these accounts. They are in strict violation of the FCRA. I would like these accounts removed immediately.
Consumer complaint received 2024-03-07
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. (IA)

I've tried to send letters to the bureaus who's reporting these false Information on my Credit report, they've broken the law by not replying to me in a timely manner, according to 15 USC 1692G Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.