davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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: Experian Information Solutions Inc. (FL)

All XXXX main credit bureaus showed that I had a balance with XXXX XXXX XXXX XXXX opened in XX/XX/2022. I have never used XXXX XXXX XXXX XXXX in my life, as I thought it was only for servicepeople and their families. I called XXXX XXXX XXXX XXXX in XXXX and they confirmed to me that they also suspected fraudulent activity when the account was opened and closed it within XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ). They also confirmed with me in XXXX the account was closed, but the credit unions still showed I had an unpaid balance of over {$7000.00} for XXXX XXXX XXXX XXXX. I immediately disputed on all XXXX  credit bureaus. XXXX confirmed the XXXX XXXX XXXX XXXX card was fraudulent and removed it. but Experian actually said they confirmed the info on my account. XXXX did not show XXXX XXXX XXXX XXXX as XXXX of my accounts, so there is no issue there. 

My complaint is to Experian, since I'm not sure how they could confirm information that is clearly false and fraudulent. For Experian, the report number is # XXXX.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

I received in US Mail a USBank Reliacard Debit card. I did not know what it was ; I did not sign up for it. I called US Bank Customer Service in XXXX, FL ; agent said it is for unemployment benefits. I am XXXX ; I am not employed. Agent cancelled the card and said she would notify her manager. She advised me that someone has opened a claim for unemployment using my name and SSN. She said to file a complaint with CFB, file complaint with FTC, call the Ohio Attorney General 's Office to report, and notify Ohio Unemployment Services. I have now done all of these. I am in the process of checking my credit with all 3 credit- reporting companies. 
Thank you.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (NY)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. XXXX of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collection, from my personal profile. A copy of my XXXX XXXX, XXXX, and my Social Security XXXX are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX. XXXX requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the Better Business Bureau XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. XXXX very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, Passport, and my Social Security Number as verification of my ONLY address. Please remove these accounts ASAP.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (MI)

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 Account XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX Account XXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX  Account name : XXXX  XXXX Account Number:XXXX Account name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or 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.
Consumer complaint received 2023-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC. (FL)

I returned some items the store said I would get a refund never did. I disputed with my bank and they said it was authorized. I told them I RETURNED the items.
Consumer complaint received 2023-07-05
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: Experian Information Solutions Inc. (GA)

This is my Second 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$2300.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-01-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

I had been attempting to pay online after the account was about 60 days past due during the month of XXXX. However, due to Covid the company , XXXX XXXX, also known as Bridge Crest had certain departments closed and had forwarded my account in advance to their special debt department. I called several times to inquire on how to pay since my account t had been closed and blocked from online payments, only to be told that I would have to speak to another department. During these calls I attempted to make a payment and the collections department refused to take a payment without speaking to an agent in the specialty department. On one call the agent stated that she was new and didnt know how to inform me to pay. After an hour on the call she stated that I would need to negotiate my payments but would need to call back in order to do so. In the first week of XX/XX/2021, I called in again after noticing that the account was showing additionally delinquent in which it should not have. I once again had to argue and go back and forth and after an extended period on the call they finally allowed me to make a payment. Two weeks later I received a credit monitoring notice that the vehicle was a charge off as bad debt. On the call with the agent this was never explained to me. Additionally the debt was behind, but now where near 100 days. I asked specific questions on the phone and I was fraudulently lied to. I feel that the company acted in fraud and in doing so broke the law. Additionally I feel that the individuals and the company failed to meet their legal obligation and instead discriminated against me due to their hatred for me as an individual that use to be employed there. Furthermore, when I worked at BridgeCrest the CFPB regulations were violated without question and I am 100 percent certain that this is another circumstance of the same.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (NJ)

Someone took a loan out in my name, they used my checking account and email address. 

Im willing to send the money back to the company minus the money they have taken from my checking account. If it was an error on their part then I will return what was deposited in my checking account - minus what has already been paid to them. There were bi-weekly payments being taken from my checking account. I did not authorize this loan to be taken out in my name.
Consumer complaint received 2023-01-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX has deleted inaccuracies, items that report past statute of limitations, and incorrect personal information- HOWEVER! 

Transunion and XXXX WILL NOT follow suit with XXXX, my last claim they took almost 60 days. 

TRANSUNION and XXXX are reporting inaccuracies after I have made NUMEROUS attempts for them to fix it. 

TRANSUNION and XXXX are reporting items that are past their statute of limitations. 


XXXX - XXXX deleted in XXXX, but transunion and XXXX WILL NOT XXXX  - XXXX deleted in XXXX, but transunion and XXXX WILL NOT As well as inaccurate addresses and incorrect spelling of names/ relationships to people I have uploaded proof that XXXX has deleted items and transunion and XXXX continue to report
Consumer complaint received 2023-07-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Go Companies, LLC (WI)

I paid the XXXX XXXX. 
I met with a XXXX XXXX. 
They approved my mortgage. 
Friends and Family here told me that it is very weird that they would request a divorce decree from 2007. Someone told me that is private and none of their business. 
Someone stole from my bank account this month and it doesn't say who stole the money from me. 
I got very upset. 
I was suppose to close on a house on the XXXX of XXXX. 
They never tore down the garage that they said needed to be torn down in order for me to close. 
The XXXX XXXX XXXX told me they weren't going to start it until next weekend. 
XXXX XXXX told me the re appraisal needs to be done on the XXXX if you are going to close on the XXXX. That would mean that the garage needs to be finished by the XXXX of XXXX and it won't be. This is very unfair and mean.
Consumer complaint received 2023-07-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY ASSOCIATES , LLC has ignored their grave duty to investigate such dispute received by me through the mail on XX/XX/. As the attached pdf below ( VALIDATION OF DEBT XXXX ) is such letter sent requesting everything needed by the FDCPA act in which I got no response since! They had more than five days under 15 U.S. Code 1692g and are avoiding such duties.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (PA)

I was scammed by someone online posting to be a landlord of a place I was trying to rent from, I sent that person money through XXXX. I realized it was a scam right after and was trying to contact Chase Bank but they were closed. I called this morning to report the fraud and they said since it's a XXXX transaction they can't reimburse the fund to me, they can only file a report out.
Consumer complaint received 2023-01-04
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. (VA)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated or corrected as soon as possible. 
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 2023-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

To Whom It May Concern : I write to advise you of unfair and/or deceptive trade practices and improper debt collection processes engaged in by Wells Fargo against consumers. In XXXX, my mother took out two loans on behalf of her business, XXXX XXXX XXXX : one with an account number ending in XXXX and one with an account number ending in XXXX. Like many businesses, XXXX XXXX XXXX fell on hard times over the last few years and was unable to make timely payments. 


My mother began receiving notices regarding the debts earlier this year. I was not sent these notices. More importantly, I had no reason to believe that money in my Wells Fargo deposit account might be at risk as, over the years, I continued to put my own, hard-earned moneymoney earned from my own business enterprises ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX and unrelated to XXXX XXXX XXXX  the account. 


Yet, on XXXX XXXX XXXX, Wells Fargo clawed {$57000.00} out of my bank account ( account ending in XXXX ), ostensibly because they had a right of setoff that allowed them to take MY money. But while my mother is a co-signer on the account, she put none of the money on that account. The money in the account was mine and earned solely by me. It was not my mothers, not XXXX XXXX XXXX. Despite this fact, it has apparently been applied to business accounts with which I have no relationship. 


Curiously, despite my mothers repeated requests, Wells Fargo has not been willing to turn over the loan documents that allegedly permit them to steal from MY account. I continue to doubt that they have such a right and certainly dispute that they could do so without noticing me personally. Nothing required me to maintain my personal deposit account at Wells Fargo. In fact, if I had known that there was any chance that Wells Fargo would take money out of my personal account to satisfy the debt of my mothers business, I would have put my money into an account elsewhere. 


Consumers trust banks with their money and reasonably expect transparency, honesty, and fairness. Wells Fargo has failed to meet any of these expectations in my case. I entrusted Wells Fargo with my money, and they stole it. I ask that the Consumer Finance Protection Bureau act swiftly to right this wrong. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I have found incorrect information furnished by credit reporting agencies. I have reached out to all credit reporting agencies with the correct information for update. After waiting for months for them to update my information, it appears no update has been made. This is in violation of my rights as a consumer. All information reported must be correct according to the FCRA. Please correct this concern, because it has caused great damage. Only one address should appear on each credit report.
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX 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, has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

U.S.C 1666B : A creditor may not treat a payment on a credit card account under ar open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (MD)

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

XXXX XXXX # XXXX, XXXX XXXX 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, 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. ( 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 2023-01-02
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX  accounts 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (TN)

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

XXXX XXXX Last reported XXXX XXXX, XXXX {$500.00} Open balance XXXX  XXXX XXXX Original creditor XXXX  Opened XX/XX/XXXX ( XXXX mos ) 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 2023-01-02
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. (WI)

I RECIEVED A COPY OF MY CREDIT REPORT AND NOTICED SOME HARD INQUIRIED THAT I DO NOT RECOGNIZE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (CA)

I told XXXX XXXX XXXX to close my account because they dont credit my account for charge back told me was in more than 3 years paid them XXXX XXXX dollars in one year didnt listen to me 4 months later they stole my deposit and finally closed the account and even offered them XXXX dollars and they closed my checking witch they stole over the years thousands of dollars and they said it was voluntary i finally told them i am XXXX XXXX XXXX which they knew so they financially abused me which is criminal the government is supposed to go after XXXX XXXX so I am asking XXXX equifax and XXXX the 3 credit agencies to remove the negative charge backs and anything associated with XXXX XXXX XXXX XXXX credit reports and credit files ask XXXX XXXX XXXX XXXX account because they refused to give me any type of credit and make unsecured
Consumer complaint received 2023-01-02
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. (WI)

I RECIEVED A COPY OF MY CREDIT REPORT AND NOTICED SOME HARD INQUIRIED THAT I DO NOT RECOGNIZE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX