davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Someone fraudulently opens a credit card in my name with XXXX XXXX XXXXor XXXX $ The account was charged off and sent into collections without me being notified and also was reported on my credit profile even after I wasnt notified I placed a dispute even called the creditors told me nothing they can do about it nd it was bought by a debt collector. 
The credit buereus and creditors have to all follow the laws which they didnt they violated These codes/ laws and therefore this needs to be removed off of my report secotion 604- 15 U.S. code 1681 B Secotion 605 A -15 U.S. code 1681 C-1 Section 605 B - 15 U.S. code 1681 C-2
Consumer complaint received 2016-12-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (FL)

An unauthorized {$300.00} charge appeared on my Wells Fargo credit card on XXXX XXXX, 2016. The charge occurred in Florida at a restaurant XXXX XXXX while I was traveling in California. I immediately called to cancel my credit card and report the fraudulent charges. I then called the restaurant and they stated that someone purchased {$300.00} worth of gift cards under the name " XXXX XXXX '' ( not my name ). Clearly it was a fraudulent charge. Wells Fargo shipped me a new card, but the charge carried over to the new card. 

Wells Fargo first failed to identify the fraudulent charge, has been incredibly unhelpful in both their fraud and dispute departments, has not removed the charge or even attempted to contact the merchant ( to my knowledge XXXX/XXXX/16 ) but has billed me for my latest credit card statement including the unauthorized charge. When I called their fraud department they state " disputes is handling it '', yet when I call their disputes department they state " fraud is handling it. '' They said it would be resolved in XXXX10 days, but this process has continued for over four weeks now with no apparent care from Wells Fargo.
Consumer complaint received 2020-03-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (TX)

I contacted XXXX  XXXX XXXX XXXX  on XX/XX/2020 regarding my outstanding balance with Speedy Cash and they advised me that they have not had my account in years. They referred me to XXXX XXXX XXXX, Receiver because there was a judgement against me for this and XXXX XXXX was the appointed receiver. I came to a settlement agreement with them and paid the settlement amount. I then disputed the inaccurate reporting and XXXX XXXX XXXX XXXX " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have attached a copy of the release of judgement and also included that in the original dispute. This has caused me extreme mental, physical and emotional anguish.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (IL)

To whom this may concern, I want to first thank you for looking into this matter. This account shows in accurate information and should be removed immediately. I have attached an image of my most recent credit report, and as you can see, this account is not accurate across all three credit bureaus. I have reached out to the credit reporting agency multiple times, and I have not gotten a response. Please provide information showing accurate information. By law all inaccurate information must be removed from credit report. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Please remove from credit report.
Consumer complaint received 2023-09-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

Ive been trying to use their American Express Amex gift cards and all I keep getting is declined! Ive had a XXXX dollar XXXX and now a XXXX dollar one and everytime I try to use on online orders I get denied and authorization charges. I cant seem to find any help either regarding this
Consumer complaint received 2023-09-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

We went into the bank on XX/XX/XXXX to report fraudulant activity on our savings account and to close the account. The bank filed a claim. Fraud investigated and saw that their was suspicious activity on our savings account prior to what we noticed and were reporting to the bank. The fraud department reviewed our account, gave us a temporary credit for for {$1.00} which covered the initial debits to our savings account ( in which we never noticed ). 
XX/XX/23 {$1000.00} XX/XX/23 {$1300.00} XX/XX/23  {$1400.00} XX/XX/23 {$960.00} XX/XX/23 {$530.00} XX/XX/23 {$420.00} XX/XX/23 {$540.00} XXXX/XXXX/23 {$640.00} XX/XX/23 {$300.00} XX/XX/23 {$.00} XX/XX/23 {$.00} XX/XX/23 {$.00} XX/XX/23 {$1.00} Our savings account is not tied to anything. All of the debits were done by hacking and scam. We filed a complaint with XXXX and have requested an investigation. We have put a freeze on all 3 credit reporting agencies, are changing banks, have registered for life lock for monitoring on all of our financials. 
XXXX and Chase both are denying reimbuising us and just tell us to contact the other company. We have been loyal customers to Chase bank for over 20 years and can not believe this happened to us. We cant believe that Chase bank is not taking responsibility. Public record they were hacked last XXXX after we did some research trying to find out how this happened.
Consumer complaint received 2023-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Google Compare Credit Cards Inc. (MA)

Someone got all my information and started applying for credits cards. They applied for XXXX XXXX card for XXXX XXXX ( XX/XX/2023 ). XXXX was for Google for a credit card on there through XXXX bank ( XX/XX/2023 ). Another was from Google North America INC. I disputed all inquiries through the XXXX credit places. Called XXXX to cancel the application and the XXXX XXXX XXXX was able to cancel that. The Google North American ( XX/XX/2023 ) would not help me stop or cancel it. Google was no help.
Consumer complaint received 2018-05-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

BOA has refused to pay the settlement of this class action suit for 2 years. The original check was lost during a move. They say they will send a new check, but never do. My reference number of last phone call and request is XXXX. Please have them pay the money due and since it has taken 3 years interest for that time period in addition to the settlement fee.
Consumer complaint received 2023-09-12
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. (IL)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-11-12
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. (CO)

I have submitted two CFPB complaints, XXXX & XXXX - Equifax XXXX & XXXX XXXX and still to date I am yet to receive what was requested by law from these XXXX agencies. XXXX has complied. The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition. 

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority. 

EQUIFAX AND XXXX are obligated by the FCRA to report accurate accounting. I have advised them of the accounts that resulted from fraud. By LAW, these companies had 4 days to remove the items, to date they are not removed. A FTC fraud report was filed along with CFPB and a statement from me the consumer. I am now requesting EQUIFAX AND XXXX to remove accounts immediately. I am not asking for an XXXX XXXX. SAID companies are liable under the SEC to follow certain rules. EQUIFAX Commission number XXXX, XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers account. EQUIFAX AND XXXX are securitizing consumers data yet refuse to provide correct resolution per the LAW. Again, per, XXXX XXXX XXXX XXXX XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition. 

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority.
Consumer complaint received 2018-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (NY)

I have written to XXXX XXXX on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewalled and not answer my request as required by law but failed to mark the account as in dispute.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2023-09-12
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. (NY)

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 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 2023-07-08
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was victims of identity theft, I have had a lot of accounts open up under my SSN. Such XXXX XXXX XXXX XXXX XXXX XXXX OF THE ATTY GENER I have addresses open up under my SSN. This has set me back tremendously dealing with these accounts and addresses Its bring my credit score down i cant get car or house.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-09
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Incorrect information and account from XXXX XXXX. I have never done any type of business with them for {$2600.00} to be reporting as a collection to this company. I have no knowledge of this account. Validation of debt requested on XX/XX/XXXX and request for delete also submitted on XX/XX/XXXX.
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

after checking my credit report on XX/XX/XXXX I received a copy of ny credit profile I notice Fraud Hard inquiries, I contacted the companies and they stated they don't have an existing account and they can't help me to resolve the issue. I then contacted XXXX XX/XX/XXXXXXXX  the gave me a confirmation number that they will resolve the Fraud Inquiries from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FTC report # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX FTC report # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (MD)

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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-09-12
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-05-01
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (FM)

My credit was compromised by Equifax with their breach. I put a freeze on my credit report to avoid any further issues. I have been trying since XX/XX/XXXX to unfreeze my credit so my mortgage company can do a soft pull to close my mortgage. ****my furniture has been on a truck since XX/XX/XXXX and myself, children and pets are staying at a friends. 

First Equifax unfroze on-line request processed. Mortgage company pulled and it was still frozen. Called Equifax they said they couldn't find me in the computer and that I had to fax in identifying information. Faxed on XX/XX/XXXX - was told it took 48 hours to process fax. Called back on XX/XX/XXXX told documents couldn't be located. Called again on XX/XX/XXXX ... still can't find documents. Called XX/XX/XXXX and talked with supervisor he reviewed faxed documents and said my credit freeze was lifted. 

XX/XX/XXXX mortgage company tried soft pull - still frozen. 3 calls later was told freeze permanently removed. Mortgage company soft pull again - still frozen. After 1 hour 28 minutes and 2 supervisors ... .told 3 to 5 days ... TOTALLY UNACCEPTABLE. I proved my identity and credit should be unfrozen. Have faxed documents 7 times and called at least 4 times a day .... 

EQUIFAX breach is causing me issues after I have followed all of their instructions ...
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-09-12
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. (MA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (IL)

I believe my credit has been ran without my permission multiple times. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The last time XXXX XXXX reported account to Credit Bureaus was back on XX/XX/XXXX and havent reported any account activity since. Its currently reporting a balance of XXXX to all credit bureaus when thats not accurate. I only owe XXXX on account XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
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. (IL)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.