davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-04
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (PA)

On XX/XX/XXXX I was XXXX  and my wallet that contained every card I owned, including my social security card and my XXXX  XXXXXXXX XXXX card. Within hours the thief was able to change the pin on my prepaid Netspend card by using my SSN. Once I was alerted thru text that a transaction was made I immediately reported it stolen and shut the card down. The company provided no provisional credit nor did they help with identity theft protection as they promised and when closing the dispute they tried to say the pin change came from a number or IP address that was somehow linked to me. Upon requesting this documentation, they even provided me the actual thiefs cell number from which the pin was changed and still didnt consider the activity fraudulent. They also never called as promised multiple times. Then at end of XXXX I realized there were more unauthorized charges done by the thief creating a virtual card. Once again they did nothing at all to resolve this this trying to hold me accountable
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (TX)

The company IC Systems at XXXX keeps reporting a debt that i am not aware of but have currently found it came from XXXX. I currently have a current account with XXXX in great standing. Not sure where this comes from.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (CA)

I seen a charge on my account of XXXX dollars. I looked at the purchase and I was at work during the time of purchase 3 hours away from the location! I contacted chime they filed a claim and 5 days later they denied this claim I reopened the claim and they denied it again chime has been doing this to allot of people
Consumer complaint received 2023-08-08
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. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-12-05
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. (CT)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (MD)

American Express arbitrarily decreased my credit limit today right after I made a payment on my credit card and right before I initiated to pay a heating bill. I didn't find out until after I got off the call with the heating company when they said that my credit card transaction wasn't going through. Because of this I can not pay my heating bill and the best suggest that they could give me is to wait 4 days in which case I will most likely run out of heating fuel in my home. I am very upset about this course of action on American Express 's part and couple that with them refusing to reduce my interest rate on both of my credit cards as well as both of my wife 's American Express credit cards have left us both with a bad taste in our mouths when dealing with American Express.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX is the number of my last complaint to Equifax. 
( Submitted to the CFPB on XX/XX/2024 ) I asked that all information on my report be investigated and verified due to incorrect accounts/information. I asked that if the information was proven to be incorrect that the accounts be removed from my credit report. I have stated that my name is XXXX XXXX XXXX. ( I have attached my legal name and address in the form of my I.D ). The Verification document i received from Equifax in the mail stated XXXX XXXX on some information and XXXX XXXX XXXX on others ( Confirmation # XXXX ). 

XXXX XXXX XXXX XXXX Balance/Schedule amounts on credit report attached below from XXXX are inaccurate with verification document ( # XXXX ) attached below. 
XXXX XXXX XXXX XXXX Balance/Schedule amounts on credit report attached below from XXXX are inaccurate with verification document ( # XXXX ) attached below. 
XXXX XXXX XXXX  XXXX The information doesn't seem to be verified extensively and this account appears to not be mines.
Consumer complaint received 2022-11-11
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete this 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
Consumer complaint received 2022-11-11
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. (IL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX XXXX, I Account Number : XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX  XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, WI XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, IL XXXX 10. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX 11. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
14. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX IL XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts EXETER FIN XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of re-investigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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 2023-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (DE)

my checking acct was hacked on or about XXXX XXXX.the bank put a lock on my acct and no money was transferred. I have communicated with the bank on several occasions to get access to my acct but they have not been forth coming why they still have not given me access to my money. this is causing an undue burden on me
Consumer complaint received 2023-09-04
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WI)

Hi, I am not sure where or to who am i speaking about the mortgage fraud. It happened when I filled out for a forbearance only for XXXX  months ... XXXX, XXXX XXXX XXXX last year, and then after XXXX  months suspended for forbearance, I started regular payments on XX/XX/2022 and continue payments. So when I looked at the mortgage statement, they are try to say that I owe them more than what I know how much I owe. I called the mortgage company and discussed and expected to solve it several times, so when we were done discussing through a phone call, they emailed me the mortgage statement with the correct information for how much I owe, but it seem the same and won't change, they refused to fix the error. I have information on mortgage payments regularly and always on time. 

Attach documents ( optional ) Include copies or photos of documents related to your issue, such as contracts, letters, and receipts, and we will forward all materials to the company for review. 

I prefer to email you with attached documents if you give me your email address.
Consumer complaint received 2023-09-04
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly 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
Consumer complaint received 2022-04-27
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: BMW Financial Services NA, LLC (TX)

FRCA Violation credit card XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation loans XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRCA XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX 
{$850.00} Balance updated XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$390.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX  Original creditor : XXXXXXXX XXXX  {$540.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX  Original creditor : XXXX XXXX {$380.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXX XXXX. 
{$1000.00} Balance updated XXXX XXXX, XXXX XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX XXXX$3100.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX BANK {$2400.00} Balance updated XXXX XXXX, XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
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. (IN)

I have mailed / certified mailed each credit bureau multiple letters requesting them to uphold Consumer law and Fair Credit Reporting act ( FCRA ) -15 U.S.

Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ) as well as numerous violations to 15 U.S code 1602. I have received one letter back stating that they " appreciate me for trying to fix my credit but they could not confirm that it was me sending in the info because it was sent from a credit repair company. '' even though i had my valid drivers license and current lease agreement attached to the bottom of each dispute letter. I've also called each bureau and spoke with agents for them to remove all incorrect information on my reports where they attempted to lie to me and tell me they couldn't be removed bc their are creditors attached to the incorrect names on my report. At one point i had 6+ incorrect names on my credit report and believe today i still have 2 or 3 in correct names and address attached to my credit report. FOR THE RECORD MY NAME IS XXXX XXXX ; XXXX XXXX Dates amounts and account numbers are in attached documents. 

I am aware that my personal information is not to be shared or made public without my consent and I DO NOT CONSENT to any negative item, or collection or late payments to be on my consumer profile report
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Equifax is reporting Unauthorized inquiries on my credit profile. I called the company to advise them of the inaccurate information that is being reported on my credit profile, Equifax advise me that they are just a reporting agency, even after I advisee them of the two unauthorized inquiries that is listed on my credit profile. Equifax refused to removed the items listed : XXXX 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 XXXXXXXX Dispute this I did advised them of my Consumer laws rights that they were violating, I am aware, these unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and { EQUIFAX } is in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.
Consumer complaint received 2022-11-11
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. (HI)

In aqccordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  '' : account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602A, states that i have a right to privacy. 15 U.S.C. 1681 section 604A, section 2 : it also states that a consumer reporting agency can not furnish my account information without my written instructions and consent.