davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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: EQUIFAX, INC. (FL)

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-23
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. (FL)

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

Account name : XXXXXXXX XXXX XXXX XXXX : ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX ACCT # 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 instruction 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 conviction 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 a to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-31
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. (IN)

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 name : XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account name : XXXX # XXXX Account name XXXX  # XXXX Account XXXX XXXX XXXX # XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX  # XXXX has violated my rights.

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 2023-09-27
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. (CA)

Based on Fair Credit Reporting Act I have unknown inquires on my credit report that are 100 % inaccurate and the agencies have not removed them : Here are my steps : I called the Fraud department for the below Credit Agencies : XXXX Equifax XXXX XXXX XXXX XXXX After speaking to someone at each of the agencies about what I consider possible fraud since I don't recognize any of the extra inquiries on my credit report I was informed that the ones I have listed would be removed immediately. It has been 42 days that I have been waiting patiently and I decided to check today only to my surprise they are still there!!! 

I have been beyond patient yet my rights continue to be violated. I am about to lock all of my credit reports but The following listed below are the inquiries that are fraudulent : 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 2022-12-23
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. (FL)

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

Account name : XXXXXXXX XXXX XXXXXXXX XXXX  : ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX ACCT # 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 instruction 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 conviction 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 a to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-25
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: EQUIFAX, INC. (FL)

Equifax did not respond within 30 days. according to USC 1681i ( 1 ) ( A ) ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I made my original complaints # XXXX on XX/XX/XXXX and XX/XX/XXXX to Equifax. they never responded by mail or other wise. I gave them 11 extra days and sill no response. 

I made another compliant # XXXX about the non compliance to USC 1681i ( 1 ) ( A ) ( 5 ) on XX/XX/XXXX. 

Equifax finally responded to me on XX/XX/XXXX. Equifax responded that I didn't provide enough verification of my identity. However I sent them a certified letter ( # XXXX ) on XX/XX/XXXX that had 2 pieces of ID, 2 pieces of address verification and a copy of the complaint that I filed. 

It is damaging to me as a consumer because I am trying to clean up my credit so I can buy a home. I can't do that until I fix my credit. I am doing everything I can to improve my credit scores and the bureaus need to follow the the laws just like I do.
Consumer complaint received 2022-12-22
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. (MO)

XXXX XXXX XXXX XXXX it has reported my account information as late for XXXX & XXXX of 2021 under 15 U.S. Code 1681a - Definitions ; rules of construction. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTION or EXPERIENCES between the CONSUMER and the PERSON making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated to direct that such information is not communicated among such persons ; Source Link located at XXXX : XXXX XXXX has conspicuously disclosed what information should be excluded from a Consumer Report. The Consumer Reporting Agencies are in violation
Consumer complaint received 2022-12-22
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: WELLS FARGO & COMPANY (WA)

I received notification about a new inquiry to my credit report. I called Wells Fargo to inquire why they asked for.my info since I did not seek credit from them. I was informed that an account from XXXX XXXX  had been.opened in my name. They are an online retailer that I had no contact with. Wells Fargo put me thru to their fraud dept and I was told I would recieve info in the mail for this to be taken off my report. Well, 2 days later, I received a credit card from bobs furniture!! I just want this closed and taken off my credit report.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (TX)

When my GM Card transferred over to Marcus by Goldman Sachs, I received a new credit card agreement, so I looked up the associate reward program rules. The agreement says nothing about rewards expiring, and the program rules say they do not expire on an active account ( which mine is ). On my latest statement, rewards expired. When I called the help line, the rep says it is a " XXXX '' card, and is under a different set of rules. I ask to see the rules, and they are not available online, and they would have to dig up some rules based on the XXXX XXXX version of the card. I received a new set of rules with the new card, so why should the old rules apply? 

{$230.00} of points expired on my XXXX statement, and it says another {$220.00} will expire next month! 

I just want to keep my points. 

Thanks
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

I received a California Middle-Class Tax Refund Visa Debit Card from XXXX XXXX XXXX XXXX a service of XXXX XXXX XXXXXXXX XXXX for {$1000.00} and managed by Money Network . 
I activated the card 10 days ago and created an online account with the Money Network. 
They requested the last 6 numbers of my social security to create the account. That was already weird. I waited 4 days for a balance transfer to my XXXXXXXX XXXX account. 
When I logged back to Money Network the balance was ZERO dollars because the card had been used five times at XXXX store in XXXX, CA on XX/XX/XXXX in the afternoon. 
I called the number on the back of the card and the representative told me they could not do anything about it and were taking notes of my issue and they did not know when this will be resolved. 
I also called the California FranchiseTax Board which has an arrangement with these fraudulent companies and every time you selected money network you will be directed to Money Network to tell you the same thing : " they can not do anything about it '' I need to get that relief money back into my account to use it as it was meant to be : a relief.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2018-04-15
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. (GA)

ALL 3 CRA 's have not updated my balances for my XXXX   account in months my balance is {$0.00} 's yet XXXX   EQUIFAX AND XXXX are still showing a balance of {$620.00}. XXXX  has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET EQUIFAX KNOW MY CORRECT NAME IS XXXX XXXX XXXX not XXXX XXXX XXXX!
Consumer complaint received 2023-06-06
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 (AL)

On Saturday XX/XX/XXXX my Wells Fargo debit card was hacked. I called phone banker. He wouldn't close it, assuring me their system would decline any suspicious charges made with it. Sunday XX/XX/XXXX, XXXX XXXX CDLS time I got email from WF that a charge on my debit card was denied. I immediately called phone banker. We both opened my account. XXXX fraudulent charges went through bringing my account down from {$5400.00} to {$80.00}. I filed fraud claim # XXXX & personnel claim against banker who wouldn't close my debit card, claim # XXXX. The fraud claims specialists paid my account back {$350.00} on XX/XX/XXXX closed the case & then reversed those those credits by about {$150.00}. Claim was reopened. # XXXX. The findings for the banker claim said basically " sorry for the inconvenience, but we are doing nothing about it '' & closed that claim. The resolution on the 2nd fraud claims case will be made Friday XX/XX/XXXX. I highly doubt I will get much if anymore money back. All along I've been told '' don't worry, you'll get your money back, but they've done almost nothing so far. Please make them restore my fraudulent losses.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (LA)

I opened a dispute for {$490.00} and {$830.00} respectively and did not receive the refund from the merchant like they promised so I opened a dispute with Discover. The company was a moving company who was supposed to move me on XX/XX/XXXX but I hired another company to move me at another time in XXXX. Discover refused to refund me even though they did not provide the service.
Consumer complaint received 2022-12-22
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. (PA)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I was contacted by Chase to let me know that my debit card # had been stolen. Someone in XXXX TX tried to use my card # at XXXX XXXX and Chase blocked the transaction, however, they were able to withdraw {$120.00} from our Checking Account and over {$1100.00} from our Savings Account, which was taken out in XXXX separate {$100.00} transactions listed from NY. Chase canceled my old debit card and issued me a new one. Chase had me speak with the claims department to file a claim for the money that was stolen from us. Chase issued XXXX separate claims, XXXX for our Checking Account and XXXX for our Savings Account. I was told they would look into this and let me know the result. On XX/XX/XXXX I received an email from Chase letting me know that they deemed these transactions as authorized by me and will not refund my money. This is ludicrous. It was the same day my debit card # was stolen. I found out whomever stole my number used XXXX XXXX to take the money from our Savings Account. Neither I, nor my husband own an XXXX. Chase asked me to prove we do not own XXXX by faxing them our phone bill, which I did. As of today, they are still denying both of our claims, saying that we authorized these transactions. I am insulted they would think we did this when Chase themselves notified me of my debit card number being stolen. I want action taken against them so I can get my money back.
Consumer complaint received 2022-12-22
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. (MI)

These accounts are not mine, fraudulent activity on my credit report. 

XXXX XXXX on credit report not opened by me. 

XXXX XXXX Account fraudulently opened, paid off XXXXXXXX Dept of EdXXXX payments 180 days past due as of XX/XX/XXXX to XX/XX/XXXX not on this account. The account was opened XX/XX/XXXX. 

STATE OF MI/OFFICE CHILD SUPPORT account never late and paid in full XXXX paid in full XXXX XXXX XXXX fraudulently opened
Consumer complaint received 2023-06-06
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: MoneyLion Inc. (CA)

Money Lion. Keeps reporting to my credit report that I owe them money. I have been trying to remove them off my credit report for years. 

I cant stress this enough I am a victim of identity theft since XXXX. A lot of accounts have been opened with my name and even unemployment has been opened using my name because of an on going case I cant get into details. But unfortunately money Lion cant provide me with signatures or proof about the account as many times as I contact them. I would like to receive them and have them delete their account off my credit report
Consumer complaint received 2023-01-25
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. (TX)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights. There has been an unauthorized credit inquiry that has been performed without my expressed, or written, permission. 

XXXX Inquiry - XXXX XXXX XXXX XXXX XXXX Equifax Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 Attached you will find an email from XXXX acknowledging the unauthorized attempt, as well as proof that they were aware of our cancellation on XXXX XXXX 14 days before the unauthorized credit inquiry.
Consumer complaint received 2022-12-22
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)

There is an inquiry that appears on my credit report that I did not authorize. I have notified both XXXX XXXX XXXX XXXX and Equifax and neither have resolved the issue.
Consumer complaint received 2023-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (NM)

I have been trying to get information from my mortgage company since XXXX. They have sent me the note that they have, however it has been altered and additional pages have been added to it. I have asked multiple times why and what those papers were, and they keep sending me letters that say they need more time, it's going to take longer than 30 days to get that information. Now I am receiving calls, multiple, everyday, and when I answer the line starts ringing but nobody answers. Then I receive calls with an auto response that says Mr. Cooper is trying to contact me. I have called them and when I've asked to speak to the loan specialist on my account they never transfer they say they can help me. Then I get put on hold and hung up on. I don't know what to do now.
Consumer complaint received 2023-06-06
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: NCB Management Services Inc. (MI)

On XX/XX/2023, I received a letter from NCB Management Services , Inc stating that my personal information has been affected and compromised. NCB claim on XX/XX/2023, NCB discovered that an unauthorized party gained access to NCB 's systems on XX/XX/2023. After a thorough investigation, on XX/XX/2023, NCB confirmed that MY information was accessed by the unauthorized party. NCB claims that the unauthorized party no longer has access to my information. I'm highly upset as I was never aware of this company until they sent me a letter. How did this company NCB get my personal information? I never had an account with this company nor did this company have a permissible purpose to access any information about me.