davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OR)

In early summer of XXXX  I received a call from US Bank saying there was some fraud on my account in the amount of approximately XXXX. That fraud was blocked and the money was returned to my account. US Bank also issued me a credit card with a borrowing limit of XXXX. 
A few days later, when checking my accounts I noticed that all my money ( approx XXXX was gone and my account was at negative XXXX. Also, the credit card they had given me had been charged XXXX by the same people that committed the original fraud. I have tried extensively to have this problem fixed. US Bank has stopped taking my calls and refuses to reopen the fraud complaint. Im only trying to get my money back and be absolved of the XXXX in debt that I did not accrue.
Consumer complaint received 2023-05-17
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: JPMORGAN CHASE & CO. (OH)

I HAVE AN FRAUDULENT CREDIT ENQUIRY ON MY CREDIT REPORT WHICH WAS NOT AUTHORIZED BY ME OR WITH MY KNOWLEDGE 1. JPMCB CARD SERVICES on XXXX XXXX 2. XXXX XXXX on XXXX XXXX THESE HAVE A HARD ENQUIRY ON MY CREDIT REPORT BUT I HAVE NOT INITIATED OR AUTHORIZED IT TO MY KNOWLEDGE, SO IT IDENTITY THEFT AND I WANT THIS ENQUIRY TO BE REMOVED FROM MY CREDIT REPORT, SO AFTER KNOWING THIS I CONTACTED XXXX XXXX AND THEY ASKED A DOCUMENT FROM CFPB FOR THEM TO REMOVE THE CREDIT ENQUIRY FROM MY REPORT
Consumer complaint received 2022-11-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/2022 I attempted to transfer funds from omy Amex Savings to one of my external bank accounts. The bank apparently does not do phone verifications, my transfer was not only cancelled, but blocked for fraud and my accounts closed. Both info matched both incoming and outgoing accounts, names, addresses etc. No fraud in the slightest. 

I was told I was going to be sent XXXX checks on my closed accounts. They never arrived. I had to fax account indemnity forms over and over before it was finally acknowledged they were received. Because the checks never arrived, I was told that I need to file a stop check and indemnity form for each account. Over and over I was told the forms were emailed, mailed etc but there was never an attachment. After finally requesting a supervisor, he personally emailed the form o to me. 

I filed a form for each account and again ... Nothing in the mail, no phone calls etc. Here it is XXXX, and this has been going on for long enough. 

Last communication was telling me I did not check the box asking if the checks were going to be reissued. Yes I left it blank because why would you ask me?? Of course I want the checks re-issued. I've been trying to get them for 6 months. I resubmitted the forms with the boxes checked and stiff nothing... not a call, email, letter, etc. 

This needs to be fixed. It has been long enough
Consumer complaint received 2020-12-15
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. (NJ)

THE ACCOUNT BEING DISPUTE IS A COLLECTION ACCOUNT THAT I PAID FOR AND IT HAS BEEN SETTLED WITH THE COMPANY. I HAVE BEEN REQUESTING TO HAVE THIS ACCOUNT COMPLETELY REMOVED OFF MY CREDIT FILE FOR IT IS STILL BEING REPORTED AS A DEROGATORY COLLECTION. THIS ACCOUNT HAS TAKEN A TOLL ON ME. I HAVE BEEN TRYING TO ACQUIRE NEW CREDIT AND I HAVE BEEN DENIED OVER AND OVER AGAIN DUE TO A MISTAKE. PLEASE HAVE THIS MATTER RE-INVESTIGATED AND HAVE IT REMOVED PER MY REQUEST. ATTACHED IS THE LETTER SHOWING PROOF OF PAYMENT THAT THE ACCOUNT IS PAID AND SETTLED.
Consumer complaint received 2022-11-21
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. (IL)

XXXX had a database breach and I was effected by it. All 3 of my credit reports were effected XXXX, Experian and XXXX Credit inquiries on my reports that I don't recognize. I am uploading documents that support my claim Along with documents that shows I file a settlement claim with XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This constitutes fraudulent activity and is a serious violation of my right to privacy. Not only is this a breach of my rights, but this is a defamation of my character. When you provide a negative account that you claim I own, other businesses notice it, which has an adverse effect on my credit report and quality of life.
Consumer complaint received 2019-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

Step 1 : What is this complaint about? This complaint is about Wal-Mart selling their credit card account to capital 1 and as a result, my credit score dropped 23 points in one day from XX/XX/19 to XX/XX/19. I had nothing to do with them selling the account so why should I be negatively effected by this as the account was moved from my experian account. 

Step 2 : What type of problem are you having? When Walmart sold the credit account to Capital One, either Capital One or Wal-Mart closed out the account on my XXXX  credit report and it is possible that the other credit reports will be effected tomorrow XX/XX/19. If I didn't make this decision to close out the account, why should i be negatively effected by it. I am in the process of buying a house and 23 points in one day is mind blowing. By them closing out the account it messed up my credit utilization and my score went down 23 points. I was not notified of this and it is not fair.

Step 3 : What happened? My score went down 23 point in one day on my XXXX report and it is a possibility the other reports will go down tomorrow. This is a huge inconvenience.

Step 4 : What company is this complaint about? Wal-Mart, Capital One, XXXX XXXX, XXXX. 

Step 5 : Who are the people involved? Myself was effected by Wal-Mart, Capital One, XXXX XXXX, XXXX.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan
Consumer complaint received 2024-06-17
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Account Information Management Corporation (OR)

I received a letter on XX/XX/XXXX. Stating I had 48 hours to pay XXXX dollars plus XXXX in interest for a total of XXXX dollars to a company called XXXX XXXX. The letter stated they are representing a company called XXXX XXXX, who I rented a townhouse from in XXXX. This is the first I have heard of this debt, so I called and the person whom I spoke with offered no information. Just threatened me and put me down with insulting comments
Consumer complaint received 2022-11-20
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)

I have submitted several disputes regarding this issue!! I received a letter from Equifax dated XX/XX/2022 stating that they have verified this alleged XXXX  with XXXX XXXX and XXXX XXXX XXXX XXXX. Meanwhile I received a letter from XXXX XXXX on XX/XX/2022 stating that this XXXX XXXX has been removed due to incorrect information. I also received a letter from the XXXX XXXX  XXXX stating that they do not verify any information with credit bureau 's. I submitted a complaint via CFPB and EQUIFAX AGAIN!!!!! stated that they have VERIFED this account!! WHICH IS IMPOSSIBLE!!!! Equifax is now in violation of several consumer laws! I did not receive a fair investigation and they are failing to follow proper dispute procedures according to FCRA guidelines. They are not furnishing and reporting inaccurate information and according to 15 USC 1681s-2 ( A ) ( 1 ) it states that 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. I have the right to an accurate credit report. I also have the right to seek damages for violations according to FCRA. If this is not removed, I will be seeing legal counsel for Willful violations. 
I have attached correspondence from Equifax, XXXX XXXX  and The XXXX XXXX XXXX.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ), I have the right to have accurate information on my credit reports. All three credit bureaus have inaccurate personal information on my credit report. I've attached my Driver 's ID and address.
Consumer complaint received 2024-06-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I have a XXXX with Wells Fargo that will mature on XX/XX/XXXX. I dont want automatic renewal. I want the funds, upon maturity, be transferred to my checking account at the same bank. Bank policy is that I would have to physically be at a branch to accomplish this. However I already know XXXX be overseas around that time and cant visit a branch. I have had a similar issue previously and eventually was resolved ( after much delay ) by reaching senior enough banker in the bank. This is unacceptable.
Consumer complaint received 2022-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the same issue with all XXXX credit reporting agencies for the past XXXX XXXX dating back to XX/XX/2021 on an error that was not made by my own doing. There are late payments reporting XXXX of the XXXX student loan accounts I have. I have asked them to verify the information they had with XXXX XXXX verifiable proof XXXX and all I received were automated responses that were generated from the XXXX system they use to automatically verify an account which is a violation of the FCRA. By law the information that they are reporting " SHALL, '' meaning MUST by LAW, report XXXX XXXX accurately. Here are reasons as to why they are inaccurate : XXXX. ) They failed to include the transaction history within my credit report with each delinquent account on my credit report which violates XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( B ) " EXCLUSIONS FROM A CONSUMER REPORT '' XXXX. ) Dates of delinquency are reporting inaccurately across all XXXX agencies. If a furnisher is reporting information to each bureau, they all SHALL report the same. 
XXXX. ) Failure to notify me of delinquency within XXXX XXXX of delinquency which is a violation of XXXX XXXX XXXX XXXX XXXX XXXXXXXX I've asked the bureaus to provide complete and maximum possible accuracy of this issue and still received an automated response of them items being verified which means they are now intentionally reporting these inaccuracies on my credit reporting after being made aware of the errors.
Consumer complaint received 2023-02-15
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Consumer complaint received 2022-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I received an email from XXXX XXXX  that said I applied for a XXXX XXXX credit card account. I immediately check my credit score and see that they did run a hard inquiry on my credit score ( I NEED THIS REMOVED ). When I called them they could not locate the account. This led to me needing to dispute that inquiry and thus I ended up here.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name on and age on all three of the main credit reporting agencies is incorrect I disputed it with XXXX and was granted a little correction but still have adverse information showing signs my idenity is not secure.
Consumer complaint received 2022-11-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-27
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. (GA)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). Account Names has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX department store XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Accounts above illegally obtained personal and private information and sold it to other reporting agencies, including XXXX and XXXX. I did not grant Account Name permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. As the consumer and natural person, I am invoking a specified remedy and making the following demands : -Cease and desist reporting of the account filings above. 
-Remove reporting of the account name filings above from all consumer reporting agencies you may be sharing too. 
-Attached is my FTC report since this is also fraud and is against the law since I have no Knowledge of these accounts. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have a bank account with Fifth Third Bank. Due to my medical condition, I was unable to check my account and discovered fraudulent charges had been made, causing my account to go into the negative. Instead of assisting me, the bank closed my account, claiming it was overdrawn. However, they failed to take into account that I was in the hospital and that there were fraudulent charges on my account. 
My banking details are as follows Account Number : XXXX Fraud charges details XX/XX/2023 -- - {$100.00} XX/XX/2023 -- - {$480.00} XX/XX/2023 -- - {$200.00} XX/XX/2023 -- - {$100.00} XX/XX/2023 -- - {$100.00} I noticed that all the charges on my account are from a company called XXXX XXXX. However, I did not make any transactions with this company and never authorized them to charge your account.
Consumer complaint received 2022-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

Received a letter on XX/XX/XXXX from Credit Collection Services in XXXX, MA of a past due account to XXXX XXXX in the amount of XXXX from XX/XX/XXXX Spoke with Credit Collection Services on XX/XX/XXXX and informed them I have never met the person who ordered the test, XXXX XXXX XXXX, in XXXX, GA or been to that XXXX location in Georgia. They advised me to file this report of fraud.
Consumer complaint received 2024-04-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

I received a letter from Nation credit Systems Inc stating I owed my previous landlord {$20000.00}. My Landlord filed an eviction on XX/XX/year> for an amount I didn't owe. They stated I owed {$1300.00} for XXXX which was incorrect. The lease they submitted to court stated my rent was {$1100.00}, and from XXXX the amount I would have owed XXXX {$6900.00}. The final ordered amount was less than {$6000.00} and I paid them {$10000.00}. so I don't owe them anything. They have reported me to NCS for owing {$20000.00}. How is this possible, if my rent was {$1100.00} and if I didn't pay anything at all, the total for the year would be {$13000.00}. I don't owe them anything and I have no intention on paying anything I don't owe
Consumer complaint received 2023-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-07-07
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. (FL)

I have only applied for 2 loans in 2 years and there are several inquiries on my report that I did not do. 

XXXX 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 Please verify or remove these fraudulent inquiries