davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I asked that XXXX, XXXX, and experian delete and remove inaccurate information from my credit report they are showing third parties on my credit report that are attempting to collect a debt that I had No binding contract or agreement with on behalf of the original creditors. Original creditors are XXXX XXXX  XXXX that I had a contract with not XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX number is XXXX also known as csf solutions. XXXX said account that I have no binding contract with is XXXX collections located at XXXX XXXX XXXX XXXX, MA. XXXX contact number is ( XXXX ) XXXX original creditor was XXXX XXXX demand these said accounts be removed from my credit report due to inaccuracies I have, nor had any association with the following third party businesses nor did I have a binding contract with the said stated third party businesses and they were not granted permission to any of my credit reports or credit files by me instead its was through the original creditors in attempt to collect a debt. By law they are not allowed to access or report any information pertaining to the original accounts without a binding contract these are third parties instead of the original creditors that I did have a contract with I demand these accounts be removed from my credit reports with all three credit bureaus experian, XXXX, and XXXX immediately
Consumer complaint received 2022-06-02
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: Block, Inc. (SC)

I noticed several unauthorized transactions made on my cashapp account on XX/XX/XXXX XX/XX/XXXX. I contacted cashapp about this situation on XX/XX/XXXX as soon as I noticed unauthorized transactions were made on my account. Cashapp responded to me today stating that no error occurred with the transactions that were made. I never used my card with the merchants where the unauthorized transactions were made. I reported the unauthorized transactions as soon as I noticed them. XXXX {$160.00} XX/XX/XXXX at XXXX XXXX- {$290.00} XX/XX/XXXX at XXXX XXXX- {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX at XXXX XXXX XXXX {$110.00} XX/XX/XXXX at XXXX
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (MN)

Hi, Someone withdrew my money at Wells Fargo Bank on XX/XX/XXXX {$600.00}, then {$700.00} and {$1500.00} on XX/XX/XXXX. I called and worked with many departments of Wells Fargo. Police confirmed that not me who withdrew money. Until now, I can not take back my money. 

Here is the details : - XX/XX/XXXX, someone went to Wells Fargo XXXX XXXX XXXX XXXX MN to withdraw {$600.00} from my account ( Photo # 1 ). I dont know how the thief could do that without my ID. 

- XX/XX/XXXX, I called Well Fargo to file claim fraud transaction and asked them suspend all withdraw money from that day. 
- After that I received the decision from claim department to deny my claim. 
- I called many times to Wells Fargo trying to find out what happened. I found out that Wells Fargo XXXX was the branch where the suspect withdrew my money. 
- I filed police report about this case. 
- I called well Fargo many times, back and forth in person with Wells Fargo XXXX representatives many times and worked with police office from XXXX to XX/XX/XXXX  - Police Office sent request to have video record of the branch. Finally, the Officier got the video and photo of the suspect ( photo # 2 ) -After having the conclusion from police, Wells Fargo still denied to return my money. 
- XX/XX/XXXX, XXXX XXXX ( branch manager of well Fargo XXXX where the incident happened ) emailed me about denied claim ( photo # 3 ) - XX/XX/XXXX, I replied XXXX, cc the police officer to explain him about polices conclusion. 
- XX/XX/XXXX, XXXX ( police officer ) asked XXXX to provide email or contact of decision maker of well Fargo. She confirmed that the suspect was not me. ( photo # 4 ) -XXXX  DID NOT provide decision makers contact. He gave me claim department number and denied to follow my case.

- I tried to call claim department many many times but nothing change. I almost GAVE UP - XX/XX/XXXX, my account was withdrawn {$700.00} with reason check is being returned due to altered check. ( photo # 5 ) - XX/XX/XXXX, my account was withdrawn $ {$1500.00} with the same reason. ( photo # 6 ) - I called Wells Fargo to find out these check that were deposited on XX/XX/XXXX and withdrew right away at well Fargo branch ( photo # 7 ). 

Supprisingly, those transactions DID NOT appear on the statement of my account. Of course, I was NOT deposited these checks. 
- I continued to file the claim for XXXX cases. 
- I also emailed to XXXX XXXX ( Vice President, District Senior Manager ). He is XXXX boss. Hope he would follow up and help me to take back my money. 
- Im very disappointed when receiving XXXX email. 
- 7 months passed, Police have conclusion. Wells Fargo have video records. However they still dont change decision and NOT RETURN MY MONEY Please help me to bring my voice to Wells Fargo high level manager to take action Thanks and best regards. 

XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My loans were in deferment until XXXX along with the rest of the student loan borrowers. As you can see on the XXXX statement included, all loans were current through XX/XX/2023. In XXXX when clarifications became announced I first applied on XX/XX/XXXX and then again on XX/XX/XXXX for consolidation and deferment until the consolidation is approved. As you can see the application on the XXXX and the statement by XXXX that NO PAYMENTS ARE DUE UNTIL XX/XX/2023. 

On XX/XX/XXXX, you reported me 90 days late on my payment A total shock considering the above and that your own documents show I was current through XX/XX/2023. I need your kindness and help to rectify this please as the downgrade in my credit is now forcing me to close my business and my vendors are all now shutting down my credit with them due to the dramatically lower credit score.

This is urgent. Can you please help? If you need additional info, please reach out. Attached is the XX/XX/XXXX, loan modification along with that is also the date of my second request to apply an administrative deferment to allow for time to get this processed. Also included is the XXXX statement showing no payments due until XX/XX/2023. 

I first contacted XXXX on XX/XX/XXXX and again on the XXXX as the info from the XXXX did not get to XXXX for some reason. 

Also, this loan likely will qualify for total discharge due to the length of payments on it. I have 15 years of public service but do not qualify for discharge for that since I am a volunteer! 

PLEASE HELP! 

You can reach me at XXXX if you have any questions or email me at XXXX XXXX
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (FL)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX ; XXXX XX/XX/2023.
Consumer complaint received 2022-10-26
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am not liable for this debt with XXXX XXXX XXXX  Account # XXXX, I never signed a contract with this company. I have filed with the FTC It is attached.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-11-04
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. (FL)

Equifax, There is a fraudulent hard inquiry due to identity theft on my credit report that was not authorized by me - that needs to be removed as soon as possible as it is damaging my credit. 

XXXX XXXX - XX/XX/2023 Attached to this is : - My complaint - My FTC complaint - My drivers license - My social security card - My proof of address
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Called to inform Citizens Bank, that I had not applied for a checking account with them. I do not bank with them currently, and I had just received an email stating that an application had been submitted, and declined. I gave them the XXXX XXXX XXXX XXXX, to the representative, and wanted to be sure my credit had not been effected or reviewed, and that I did not attempt to open an account with them. They took the information, and were submitting a fraud investigation, and stated that I should receive a coy of the fraud file results within a month or so.
Consumer complaint received 2023-09-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC (AZ)

Got XXXX XXXX XXXX  2.75 % in XXXX, XXXX. Balance now $ XXXX. No late payments. Current value : XXXX XXXX  Only box checked on REASON FOR CREDIT DENIAL is value of collateral insufficient. Credit report says PAYMENT HISTORY EXCEPTIONAL FOR ALL ACCOUNTS. Perfect credit history on all mortgage accounts. All debts unsecured other than home and car ( XXXX XXXXXXXX ). All payments on XXXX on time. Attitude changed when I revealed my age. Unreasonable denial leaves us cash poor. We are both retired with only income Social Security and an annuity my wife received for being 100 % XXXX in workers comp case. She was a XXXX XXXX XXXX and I a XXXX XXXX XXXX XXXX 

We requested a heloc of XXXX XXXX ( less than 75 % XXXX ) and way within the safe range of our XXXX XXXX equity. Our XXXX includes insurance and property taxes and we pay XXXX XXXX monthly to principal!. Please help. Thank you.
Consumer complaint received 2023-09-13
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. (NC)

In accordance with the Fair Credit Act, the following list of accounts have violated my federally protected consumer rights to Privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX ; has violated my rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX Account # XXXX XXXX, has violated my rights to Privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX Account # XXXX, has violated my rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. ( a ) ( 5 ) Section states no consumer reporting agency may make any 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. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any other 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 2023-06-15
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. (OK)

In Accordance With The Fair Credit Reporting Act XXXX XXXX Is For What You Are Disputing ), 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 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I have a credit card by jet blue Barclay bank. I also set up a monthly withdrawal for the full amount of my spending. The last month was a special month I had a bill of over {$2.00} so I called up the bank a week before the due date, and told them not to charge me this month on my regular account, and I gave them a different account with the banking routing number and account number and told them to charge {$2300.00} instead of {$2000.00} they took the information. The next week I go to my account and I see that they charge me {$29.00} for a return fee so I called him up and told him its impossible. The account has much more money than the {$2000.00}. The bottom line is that they told me that they try to get the money out of XXXX XXXX which is the regular bank that they took it out from XXXX XXXX, so I told them why did you do that? I gave you a different account number specially this month that you should take it out from there i usually do it with other cc companies and I have no problem. He told me this is what we do we go to the regular bank. I told him but I told you you cant take it out from the regular bank, well anyway theres nobody to talk to he claims that he did the right thing, and Im telling him that I gave you a special account number where to take the money out from he says I see it but thats what we did and we are not giving you back the {$29.00}, and I think that he is not right, they should give me back the {$29.00} because the mistake is theirs. I am very annoyed at what they did. They had no right to go to XXXX XXXX after I gave him all the information from the other account where to take the money from.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.

Validate/inaccurate reported late payments. 
XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-13
Product: Credit 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: JPMORGAN CHASE & CO. (NY)

First and foremost my dispute is with Amazon I had canceled XXXX  XX/XX/2022 however it appears a company this large feels that they're untouchable once I canceled it they went to another card that was on file which was my Chase Amazon XXXX XXXX they continue to charge I disputed it with my banking institution Chase who then stated they can't do anything past 118 days I then disputed it with Amazon provided them the screenshot it took me 40 minutes to finally get a hold of someone after circling throughout their website which is purposely designed to be difficult to navigate and get the answers that you need especially when it comes to canceling or anything that has to do with the Amazon XXXX aspect of it with that being said I then incurred interest charges on top of that which Chase Amazon refuses to lower this is a trifecta of issues that have happened and it's just added to it I am not here to abuse any type of system however I do not feel that I should be taking advantage of as a consumer by a multi-billion-dollar company as well as a multi-billion dollar banking Institution. 
I have found many published articles one that struck me interesting is by an underwriter to a bank who noticed Chase Amazon Amazon themself create a conundrum for their clients pretty much in the same situation that I'm dealing with more so on the interest fee and charges aspect from Chase but Amazon as well with the loopholes that they have and continuing to charge people even after they've requested cancellation and gone through the motions for cancellation of XXXX. 
In addition XXXX  promises to have things there two days or less a majority of the time that was not true so that is why XXXX did not suit me I was still waiting hence the fact that I canceled it and it wasn't until me noticing my interest charge fees even after making a double payment we're still accruing and I noticed that charge from Amazon XXXX on my Chase Amazon card I have since removed all of my cards and canceled it once again for everyone in my household once again I'm expecting all of my months refunded as well as the interest charges and fees to be waived that is the least that can happen for taking advantage of a client and using legal loopholes to do such
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

in XXXX i took a look at my credit report, i found a couple items that are fraudulent. i contacted the credit bureaus and they instructed me to file a police report. I did everything that i was instructed to do, but they havent removed the fraudulent accounts.