davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (NV)

I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Why dont you actually research my account history this time and see the errors yourselves? These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX, XXXX XXXX XXXX, STATE OF AK SUPPORT XXXX
Consumer complaint received 2023-05-21
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. (LA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account 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
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: U.S. BANCORP (SC)

Unauthorized credit inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nd XXXX The date is XXXX
Consumer complaint received 2022-11-21
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XX/XX/XXXX a savings account was open online at Bank of America using my identity. I got an email stating it was open and confirmed. I was not the person who opened the account. I had to go into a Bank of America branch to fix this. There was nothing the branch could do but have me wait on hold for an hour with there fraud department. They could not tell how it was opened. I have a credit freeze with the credit bureaus for over a year so my social security number can not be used to pull credit. Bank of America could not tell me if someone used a false ID card to open or anything no Id seemed to be asked for in regards to opening the fraud account. The address I grew up with was used to open the account, I have not lived there for over 8 years.
Consumer complaint received 2023-03-21
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. (TX)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (FL)

In Accordance with the fair credit reporting act these companies have violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies.

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

XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
Consumer complaint received 2017-07-26
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: WELLS FARGO & COMPANY (WI)

I received proof of a VISA credit card charge that was refunded to me by a XXXX merchant, XXXX XXXX XXXX XXXX, through their bank XXXX on X/XX/2017. The merchant claims that the money was returned and the funds withdrawn from their account. My credit card issuing bank, Wells Fargo, states that they never received the money. I tried to contact XXXX, but they tell me to contact Wells Fargo. The dollar amount that was charged was {$4600.00} and the proof of refund from the merchant through XXXX banks states the amount as XXXX XXXX. I have contacted the merchant, Wells Fargo and XXXX, but know one can tell me where my refund is.
Consumer complaint received 2023-05-21
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. (FL)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete formation on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

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
Consumer complaint received 2018-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I would like to file a formal complaint against Kohls/CapOne. I have sent several formal requests, dated XX/XX/XXXX through XX/XX/XXXX which I have certified mail receipts for, to validate accuracy of debt being reported to the credit bureaus. Their first response was we no longer have your credit application on file, as the retention period has passed. Then they turn around and send a separate notice stating our previous research indicates the information that was furnished to the credit reporting agencies is accurate. My question is how is this accurate/validating debt if at first you no longer have application on file bearing my signature, then somehow after their research it is now accurate. Then out of the blue a different amount of debt starts reporting to the credit bureaus. Their reporting is inaccurate and incomplete. Tried disputing with the credit bureaus, and they too say debt has been verified and updated but when requesting to provide how they verify, they can not. That is not legitimate verification/reportingaccurately. My requests have been clear and specific, but yet Im getting the same responses over and over that are not addressing my requests to validate this debt and the accuracy of the information being reported.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: W&A Intermediate Co., LLC (MO)

This letter is regarding an account : WAKEFIED AND ASSOCIATES XXXX XXXX XXXX XXXX, TN XXXX AMOUNT : {$1500.00} ORIGINAL CREDITOR : XXXX, XXXX, XXXX. This company have been reporting fraudulent inaccurate information on my credit report. WAKEFIELD AND ASSOCIATES, agreed to remove from my credit report and notify all three credit bureaus ( XXXX, XXXX, XXXX ). They removed/deleted account information from XXXX ; but reopened the account on XXXX and XXXX. The account was disputed ; fraudulent reporting. This is a clear FTC violation and must be investigated. 15 USC CODE 1681S-2, congressional reporting must be 100 % accurate. This a violation according to the FDCPA and the FCRA ; along with the corresponding local state laws.
Consumer complaint received 2023-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to delete/block the items listed on an id theft report. Please find the required documents to assist in the blocking/removing of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2023 I prepared a dispute in which I sent to Experian, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Since expediting this dispute it has been over 30 days and I have yet to receive a response to my dispute.The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( XXXX XXXX XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. 
( XXXX XXXX XXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 
( XXXX XXXX XXXX XXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. Experian, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in violation of my consumer rights and the law and the CARES ACT.
Consumer complaint received 2021-06-19
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. (NV)

There are some accounts on my credit report that are not mine. I just became a US citizen and I am brand new to this country legally. I noticed that there are already negative items that do not belong to me. Please remove them from my credit.
Consumer complaint received 2018-03-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I went to BofA XXXX XXXX, TX branch to close my safe deposit box. The banker, XXXX XXXX, took care of that. Before I left, I asked him when and how the {$25.00} deposit for the keys would be refunded since i returned both keys. XXXX XXXX told me that the deposit would be refunded automatically within a couple of days. 

However, I still have never received the refund by now. I contacted customer service ( XXXX ) twice ( once on XX/XX/XXXX, the other on XX/XX/XXXX ). The CSR either told me to wait, or asked me to contact the branch. The branch is not close, and the hours are ridiculously short ( XXXX ). During the conversation on XX/XX/XXXX, I requested the CSR to help open a case, and let the manager who is capable of handling this small issue investigate and contact me. The CSR agreed, and promised that the manager from the branch would contact me within 2 business days. 

Unfortunately, that never happens. It's XX/XX/XXXX, 9 business days after my last phone call with BofA, there has still been no contact, no apology, and no resolution for the refund. Earlier today, I sent a XXXX complaint, and some reps from BofA social media team contacted me. XXXX from that team called me, all he did were crediting me the deposit but no apology and explanation. He started arguing with me after I questioned him regarding the complaint/ How can a consumer bank handle business and customer complaint in such way? I'm looking forward to hearing some explanation from the executives of BofA.
Consumer complaint received 2023-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (ND)

There is incorrect personal information on my credit reports specifically an address that I have never lived at nor have any knowledge of. There is also accounts affecting my credit that do not belong to me, the address attached to a few credit cards with outstanding balances that are not mine nor have any knowledge of. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX so there is no way these accounts belong to me. 
XXXX XXXX  act # XXXX Balance amount {$2300.00} Date opened XX/XX/XXXX XXXX XXXX act # XXXX Balance amount {$920.00} Date opened XX/XX/XXXX XXXX  XXXX XXXX  act # XXXX Balance amount {$1000.00} Date opened XX/XX/XXXX
Consumer complaint received 2023-05-21
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. (FL)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete formation on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX, my credit card account was hacked by someone who drew {$1000.00} through XXXX XXXX XXXX NY Digital Account Number XXXX. By that time, I did not know about this case. Started from XX/XX/XXXX, the late fee and interest began charging. Until XXXX, XXXX, I found this charge when I checked my credit card online. That I reported to Citicard. They spent several months to do investigation. Then in XXXX, they cancelled the {$1000.00} charge but not the late fees and interest. The late fee and interest was {$110.00} in XXXX. This charge continued to grow and right now, it accumulated to {$360.00}. Around in XXXX, XXXX, I gave a call to Citicard with the phone number of XXXX. The representative could not help and transferred me to other department. Turn out no solution. A few days ago, I received a message from Citicard and requested me to pay the due charge. I gave a call to the phone number of XXXX and told to the representative with my story. She called her manager for help. But the manager said that she could not do anything.
Consumer complaint received 2023-05-21
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: Experian Information Solutions Inc. (ND)

Credit was pulled without my permission on XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX/loan expert did not ask when he pulled credit. Now I have more inquiries than I was supposed to. Effecting my score. XXXX XXXX XXXX Experian.
Consumer complaint received 2020-12-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: SandP Solutions, Inc. ()

I had some winning from XXXX XXXXXX/XX/XXXXbut they only Pay in Bitcoin.I received the Bitcoin.as I am new to this and know nothing about it I tried to sell my Bitcoin.I tried to transfer it from Bitcoin wallet to Bitcoin cash as this seemed the obvious thing to do being a cash XXXX address populated which I entered then it said it sent.it didnt hit my Cash wallet.after speaking to Bitcoin in much detail they say there is nothing they can do! Surely if the address populated and it went somewhere but they dont know where then its sat somewhere! This was over XXXX dollars just vanished and cant be traced or given back?!
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I tried to add funds to my Chime checking account and tapped their instant deposit on their app. I got an error message so gave up. Next day I notice the {$25.00} was taken from my us bank account by chime and being held for over 5 days by chime saying it will be available next week. I did not choose this option nor gave authorization for them to take my funds and hold for this unbelievable length of time. I called and spoke to XXXX people before getting a worthless rude supervisor who refused to do anything at all. Their system made the error and they dont care and will not return my funds to where they stole them from. Worst banking experience and management ever encountered.
Consumer complaint received 2023-03-24
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. (OH)

In accordance with the Fair Credit Reporting act XXXX, XXXX. 
Closed on XX/XX/XXXX XXXX  Closed on XXXX XXXX, XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Last reported XX/XX/XXXX {$80000.00} Reported balance XXXX XXXX  XXXX Last reported XX/XX/XXXX {$20000.00} 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 2023-03-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-04-09
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Cohen & Associates (NY)

I was contacted by this " attorney '', to help me settle a debt. I was told that if I did not make settlement arrangements that I would be served with court papers at my place of employment. Because he sounded legitimate, I made arrangements to make payments on the debt by giving him my debit card number. Upon speaking with my spouse, I found that I have never had an account with this alleged attorney 's client. I can not find this man listed on any states Attorney 's Bar list, however, the emails that they have sent clearly look like they are from an attorney 's office, and the gentleman did tell me he was an attorney.
Consumer complaint received 2024-03-05
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. (PA)

I am writing to dispute unauthorized hard inquiries listed on my credit report on accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. 

I have noticed several unauthorized hard inquiries that I did not authorize or initiate. These inquiries negatively impact my credit score and financial standing. ( Listed below ) XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX