davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (NC)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2020-03-29
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: WELLS FARGO & COMPANY (FL)

I have been disputing the identity theft I discovered on my credit report. Most of the accounts have been removed but there are still quite a few that are still fraudulently reporting. They are affecting my score and credibility.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: World Acceptance Corporation (MO)

World Finance will not update my chapter XXXX on my acct i called spoke with Supervisors and managers they stated they will not update it on my report but i included my Creditors list with them on it and they have acknowledge the Chapter XXXX but want update it on my Credit report
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (PA)

I would like to file a complaint regarding a recent experience with Synchrony Bank and XXXX regarding two failed XXXX transactions and the subsequent inability to retrieve the funds. Here is a summary of the events : On XX/XX/XXXX, my wife and I set up XXXX joint CD accounts with Synchrony Bank under my wife 's profile. We linked my XXXX savings account as the external account and initiated two ACH transactions, one for {$20000.00} and the other for {$30000.00}, to fund the CD accounts. 

However, on XX/XX/XXXX, we received emails from Synchrony Bank stating that both transactions had failed. We expected the funds to be returned to my XXXX savings account, but after several days, the funds had not been credited back. 

Upon contacting Synchrony Bank, we were informed that due to the CD accounts being under my wife 's profile, only she was authorized to make deposits into them. Therefore, my funds were rejected for deposit. Synchrony Bank attempted to return the funds, but their policy prevented them from doing so because I, as the sender, did not match the intended receivers ( my wife and me ). They advised me to contact XXXX to request an ACH return. 

I contacted XXXX and initiated a dispute. However, after their investigation, they found that the ACH transactions were successful and stated that they had no reason to request an ACH return. I relayed this information to Synchrony Bank, but they maintained that the only solution was for XXXX to request the ACH return. 

Despite multiple attempts to resolve the issue with both XXXX and Synchrony Bank, neither party has been able to provide a satisfactory resolution. This has left me in a frustrating situation where my funds are stuck between the two institutions, with neither taking responsibility or providing a viable solution. 

I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to help facilitate a resolution to this matter and ensure the return of my funds. Thank you for your attention to this complaint.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CO)

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-Off THD CBNA I am contacting you to formally challenge and seek immediate investigation and removal of incorrect charge-off entries made by a third-party collection agency on my credit report. These entries have severely impacted my financial standing, hindering my ability to secure a home mortgage, an auto loan, and additional credit facilities. 
I wish to highlight that I have no contractual ties with this collection agency. Their actions of reporting my credit information without any contractual basis are unjustified and breach multiple legal norms concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : The reported charge-offs, which suggest debts I do not recognize, have been documented on my credit report without my agreement, violating established principles of lawful credit reporting, also referred to as certificates of indebtedness.

2. **Absence of Form 1099-C** : I was not provided with Form 1099-C for debt cancellation by the agency, which is essential for accurate tax reporting and compliance with IRS requirements. This omission could lead to potential risks of tax non-compliance.

3. **Infringement of Privacy Rights** : This action violates the Privacy Act of 1974 ( 5 U.S. Code 552a ), which ensures stringent safeguards against the unauthorized release of personal information.

4. **Lack of Contractual Agreement** : There is no formal contract between myself and the agency, thus their reporting of my credit information directly infringes on my consumer rights.

5. **Exercising Opt-Out Rights** : In accordance with regulations under 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805, I am formally revoking any implied permissions for the dissemination or reporting of my credit information.

Given these concerns, I urgently request a review and elimination of these incorrect records from my credit report, and I ask for a written confirmation of this deletion. Please note that I am prepared to take further actions, including legal recourse, to rectify my credit report and protect my rights.
Consumer complaint received 2018-09-24
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: Experian Information Solutions Inc. (AZ)

My XXXX XXXX, XXXX XXXX XXXX, UT XXXX XXXX # : XXXX is lost/stolen, and all the transactions on the account is fraudulent and unauthorized transactions. I have never used my XXXX XXXX.
Consumer complaint received 2021-07-29
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. (AL)

XX/XX/2021 XXXX  Experian XXXX  has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything
Consumer complaint received 2017-10-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BlueChip Financial (CA)

In 2015 I fell victim to an online payday lender, XXXX. This company is owned by the Blue Chip Indian tribe and was a scam. Neither XXXX or Blue Chip are licensed in the state of CA therefore, any and all loans or agreements are null and void. 
I received multiple calls and was harassed at work by XXXX, until I made them aware that they are not licensed and they need to cease and desist. 
The calls stopped and I had not heard about them until recently. 
I checked my credit report as I had been being turned down for things and I noticed my score dropped. XXXX XXXX sold this illegal debt to a company named XXXX XXXX XXXX - I immediately initiated a dispute with the credit reporting agencies, and I also emailed the owner of XXXX XXXX XXXX. I let her know this debt is illegal and it is illegal for her to be reporting it on my credit report. She would not give me their license number either, and kept giving me the runaround. When I asked more questions she stated she would not longer email but would speak with me on the phone due to me threatening her. I was n't threatening anyone. I was exercising my legal rights. I need them to remove the illegal debt from all of credit reports and not to sell it to anyone.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2024-04-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Thank you for taking helping out with my business account, I was advised last time my account would be modified to not allow transactions to post if there was not enough funds.

However that doesnt seem to be the case as I was assessed six ( 6 ) overdraft fees of {$35.00} each totaling {$210.00} I am please requesting for these fees to be waived as I was promised transactions wouldnt post if there werent funds yet its happening
Consumer complaint received 2024-04-21
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: CLGF Holdco 1, LLC (TX)

I HAVE SEVERAL INQUIRIES AND ACCOUNTS THAT WERE PLACED ON MY CREDIT REPORT THAT WERE FRAUDULENTLY APPLIED FOR AND OPENED IN MY NAME.
Consumer complaint received 2024-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (GA)

In XX/XX/24 my cash app account was hacked/ unauthorized login. Then they proceeded to changed all my personal information on account took my number off my account password and email. They sent all my available funds to someone of their choice. I wasnt able to gain access to my account. A cash app representative help me gain access to my account after XXXX XXXX hours and instructed me to make a despite so I did. All to get denied
Consumer complaint received 2023-03-01
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. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (VA)

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 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 2024-03-22
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. (NY)

" I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts/Collections that are being challenged 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 NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2017-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.
Consumer complaint received 2023-01-10
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: WELLS FARGO & COMPANY (NY)

I was sent a credit card statement from Wells Fargo Bank N.A for credit provided to an individual who applied online for and received credit, made online purchases from XXXX XXXX XXXX XXXX whose corporate offices are located in XXXX, CT. The account was opened on XX/XX/XXXX and two purchases in the amount of {$380.00} were made on XX/XX/XXXX and again on XX/XX/XXXX. 

I contacted Wells Fargo immediately to report the incident. I was informed my social security number, maiden name and disconnected telephone land line from XXXX was used to create the account. They tagged the account as fraudulent. 

I contacted XXXXXXXX XXXX XXXX XXXX  directly and spoke to a gentlemen at a call center in XXXX who informed me that XXXX XXXX delivered desks and office chairs to an apartment at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

I contacted XXXX Credit Bureau to put a fraud alert on my remaining credit card.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (IN)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CO)

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines SYNCB AMAZON ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (AZ)

I had my transmission fixed, at XXXX XXXX XXXX XXXX, in XXXX AZ and I was told that I would be able to use the promotion, that I wouldn't have to pay interest, for XXXX year, since it was a large purchase. I was hit with a large interest, for the past couple of months. I spoke to Synchrony car care and they told me to speak with the merchant. I called and spoke to XXXX XXXX XXXX, they told me that it was the problem with the credit card company and I would have to contact them back.
Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC (OH)

The credit card company will not allow me to activate my new card due to not having access to my old phone number. I have verified every piece of information and they will not allow me to change my phone number, activate my card or close my account although I have been an established customer for over 2 years. No where in there terms or conditions, or user agreement requires you to have a phone to activate their services. I spoke with XXXX XXXX XXXX XXXX and she refused to escalate my call or provide a resolution. She said that is a " rule '' and not a policy written anywhere. There is no way to update contact information online or speaking with a representative.