davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
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. (NJ)

This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I have noticed this several times where I will make a purchase that I can afford. The charges arent in line with when I purchased it. Then I will get paid and at the same time a subscription will be charged but they will be rearranged that my account will be in the negatives before my pay from my job can be fully approved. On XX/XX/22 I noticed I have {$5.00} left in my account. I wake up this morning XX/XX/22 I randomly have over {$100.00} in my account I look and I see no transactions that would have caused it. Later today around XXXX XX/XX/22 now my account is $ XXXX but is still showing I have XXXX but I can not access it. Also all my charges since XX/XX/22 are still pending accept XXXX from the same company.
Consumer complaint received 2017-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Upon initiating a mortgage with Santander Bank I forwarded tax bills to their mortgage servicing department. Santander Bank did not pay my real estate taxes in a timely manner resulting in a {$1000.00} penalty by my township. To date I have made approximately 18 calls to resolve this issue to the tax department and mortgage department but they refuse to return my calls or resolve this issue. The last conversation was with   XXXX   XXXX    XXXX . I have left her repeated messages and she has not returned my calls.
Consumer complaint received 2023-05-23
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. (NY)

Unauthorized Inquires on my and Equifax credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-23
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. (AR)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not authorize Equifax to furnish this information onto my credit report. On XX/XX/, I submitted a dispute with Equifax to remove the unauthorized inquiries on my credit report. Equifax investigation results stated that the inquiries will remain on my credit report for at least 2 years. I submitted documents showring I had filed a police report showing that my identity had been used without my knowledge or consent. I am asking for Equifax to provide the original documents showing my legible signature or showing where I gave these companies authorization to view my credit report. If original documents can not be furnished, I am asking Equifax to remove these inquiries on credit report.
Consumer complaint received 2022-12-31
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 conversion account numbers have violated my rights.

15USC1681Section 604A states that I have the right to privacy.

15USC1681Section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1100.00} ) XX/XX/XXXX Account XXXX XXXX  ( {$390.00} ) XX/XX/XXXX Account XXXX XXXX XXXX XXXX ( {$220.00} ) XXXX
Consumer complaint received 2022-11-18
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account 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. 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. NO WRIITEN INSTRUCTIONS, VIOLATED PRIVACY.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (SC)

Back in XXXX, I believe it was my mother has a mobility scooter and the mobility scooter we not go in forward, so I called the repair shop and I took the mobility scooter there to have it diagnosed with the problem or two up, tells me that the unit has two dead batteries and he was trying to sell me new batteries and I told him no thank you theres nothing wrong with the batteries in there probably just need to be charged so come pick the scooter up so I pick scooter up paid {$95.00} back. I was looking at the paper. He doesnt write anything about the diagnostic report on what was causing the mobility scooter to not go forward so I disputed it with Wells Fargo Wells Fargo came back yesterday with a reversal of the charge Saying the guy provided documents something so I asked them to see him. I want all of them. The guy did not provide me with a diagnostic report. I paid for tried to sell me new batteries when I left there. I still had the same problem and causing it to sell new batteries. He did not provide me with the description of what was wrong with the mobility scooter so therefore the diagnostics was incomplete. I want my money back.
Consumer complaint received 2022-04-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (WA)

Accounts opened in my name from the internet in XXXX and closed 2 months later in XXXX, never was notified. I believe that my entire account at Wells Fargo was subject to fraudulent activity. I was never notified. I had over 10 accounts opened in my name. I have never had access to a full set of statements. I became XXXX  in less than 2 years after depositing over XXXX in XXXX. 

I have many files but I don't want to open myself up to more possibilities of identity theft.
Consumer complaint received 2023-08-18
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. (NY)

Equafax, Please verify proof of application of account report negatively along with written signature XXXX reporting XXXX hard inquires and multiple soft pulls inquires XXXX.reporting XXXX closed unknown account negatively XXXX. Reporting unknown closed accounts in collection adverse action 12 cfr 1002.7, 15 USC 1691 and 12 cfr 1002.1 12 cfr 1002.2. 15 USC 168 12 cfr 1002 cfr 1002.16 I gave no written consent this is invasion of privacy. This fraud and unauthorized use of my credit card which do not benefit. damaging creditability to my charter I demand very verifed hard copy proof of these reported beats and ownership of the debts reported unknown to my knowledge
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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 2023-05-23
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)

THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting and disclosure to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately and completely, I WILL FILE FOR LITIGATION.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be deleted. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached. I am urging you to take action on these inaccurate and fraudulent accounts on my credit report.
Consumer complaint received 2023-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

Someone opened a checking account in my name online. I called wells Fargo because I also recieved a debit card in mail. Someone activated the card and I ask for account to be closed and card they gave me such a hard time even though I proved it wasnt me that opened it I actually was told by Wells Fargo I c as not open an account with their bank due to fraud also. I'm not understanding how this account and card was opened? They had no explanation for it and I finally got them to close it after they investigated it. I am furious with Wells Fargo this keep happening. It's someone I. Their bank association I believe that's responsible for this.
Consumer complaint received 2020-06-16
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. (MS)

The following information is fraudulent. Enclosed is a police report and FTC Identity Theft affidavit. The following items are due to fraudulent activity - XXXX XXXX, {$2200.00}, XXXX, XX/XX/XXXX, credit card. XXXX XXXX XXXX XXXX, {$4500.00}, XXXX, XX/XX/XXXX, credit card. XXXX XXXX, {$130.00}, Collection.
Consumer complaint received 2017-07-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Acceptance Solutions Group, INC (OH)

No one wants to have to borrow money, but sometimes we have to. also when we borrow money we plan on paying it back, but other life trials and tribulations come up. With that being said I took a loan out with this company back in   XX/XX/XXXX . Wh ich was my first loan of  XXXX  paid that back. Then life hit me hard and I had to take out another of  XXXX  .Well m oving ahead sad to say my son passed away and that same day this loan company called me asking for there money saying I need to borrow it from someone being very rude. even after telling the woman what had went on. not once did she say sorry for my lost. That wa s  XX/XX/XXXX  wh ich at that time she said I owed  XXXX . Now today she calls same woman saying I owe  XXXX . I tried to make payment arrangements with her, but the amount I said she says was not enough. As I reminded her I just got to work from medical leave from losing my child she then threatens me with garnishment. What kind of people work at this place I called back to only get cursed at and hung up on.
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 — Account information incorrect
Company: EQUIFAX, INC. (MA)

Late last year in XXXX I heard about a company named XXXX, an App that could assist you with increasing your credit score. At the time I was looking for products to do just that, I debated for a bit because this particular company requires a down payment. Eventually I went ahead and moved forward I signed up and gave a security deposit of {$150.00}, the idea is you are borrowing against your own money and they report it as a trade line to the bureaus to assist with your credit. Everything was okay at first until one day my bank account which must be synced was disconnected. XXXX has essentially poor communication with their customers, I found this out when the issues raised. Due to the lack of real communication and explanation of why my account would disconnect or why I wouldnt be able to log in at times payments would have issues because the only way to make payment would be via autopay with synced account, or through the app to my knowledge. XXXX started to report me to the bureaus for late payments in the midst of me emailing them for assistance to get access to my account to make payments. They have virtually no response to emails outside of copy paste, their number doesnt give live agent access. If you dispute them with the bureaus you get no response from this creditor they just respond to the bureaus again with inaccuracies, The bureaus keep allowing them to report inaccurate information even when I provided proof. I even reported them to XXXX  and they were dishonest about following up with me repeatedly. Fast forward to this month they took {$120.00} from my bank after reporting my account as a charge off and still not responding to my correspondences. No explanation, my account is now paid in full and they refuse to update the bureaus with accurate information that the account is paid in full they refuse to delete the accounts from the bureaus and they refuse to return the security deposit. I dispute this with the bureaus and provided proof that they are indeed not reporting correctly and the bureaus still wont correct the information and are allowing inaccurate information to be reported! After doing research I should have done from the beginning I realized I am not the first customer to experience this with this company or the bureaus in relation to this company! They have ruined my credit history, essentially stole my money and at this time seem illegitimate. So I am reporting them in hopes that they stop this poor practice of false reporting and not communicating, or validation of the information they send. The bureaus are investigation must be more thorough to determine what is legitimate and what is not this is unacceptable.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
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. (TN)

THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER 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 XXXX XXXX XXXX XXXXXXXX Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.
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. (IL)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights. 


- 15 U.S.C 1681 section 602A section 2 : states I have a right to privacy.

- 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an 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 of 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 1681 s-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 reasonanble cause to believe that the information is inaccurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-23
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: EQUIFAX, INC. (TX)

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 XXXXXXXX : 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 XXXX 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.