davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (VA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX ACCOUNT # : XXXX!!! VIOLATIONS!!! 
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 XXXX XXXX  ACCOUNT # : XXXX & EXPERIAN has Violated my Rights. 

Agencies can not utilize outdated information : EXPERIAN is Reporting outdated information. 

Agencies can not use incomplete, unverifiable, or false Information : EXPERIAN is Reporting false information EXPERIAN IS FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT HOW DID YOU VERIFY ACCOUNT ITS REPORTING 100 % INCOMPLETE & INACCURATELY )!! ! REMOVE THIS ACCOUNT IMMEDIALELY!!! 

LAST DATE OF ACTIVITY : XX/XX/XXXX LAST VERIFIED : NO DATE REPORTED CLOSED DATE : NO DATE REPORTED REMOVE THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!! ! REMOVE THIS ACCOUNT IMMEDIATELY!!! 


XXXX XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) ACCOUNT # : XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) ERROR 1. CLOSED DATE XXXX : XX/XX/XXXX EXPERIAN : NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) HOW IS THIS ACCOUNT WITHOUT CLOSED DATE. 


ERROR 2. PAYMENT HISTORY XXXX : NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) EXPERIAN : CONTINIOUS CHARGE-OFF FURNISHING AFTER CLOSED DATE. EXPERIAN IS NOT FURNISHING A CLOSED DATE ON THIS CLOSED CHARGE-OFF ACCOUNT, WHICH IS MAKING IT KEEP REPORTING EVERY MONTH EVEN THO ITS A CLOSED ACCOUNT ERROR 3. DATE OF LAST ACTIVITY : ( THERE ARE 2 DIFFERENT DATES OF LAST ACTIVITY, THERE IS NO WAY YOU VERIFIED ACCOUNT DATES OF LAST ACTIVITY IS NOT EVEN UPDATED ) XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX ERROR 4. LAST VERIFIED XXXX : XX/XX/XXXX EXPERIAN : NO DATE REPORTED FOR LAST VERIFIED ( HOW DID YOU VERIFY ACCOUNT THERE IS NO DATE ) ERROR 5. DATE OPENED : ( THERE ARE 2 DIFFERENT DATES OPENED, THERE IS NO WAY YOU VERIFIED ACCOUNT ) XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX ERROR 6. PAST DUE AMOUNT : {$420.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX : {$420.00} EXPERIAN : {$420.00}
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (NC)

I am writing to formally submit a complaint regarding the discriminatory experiences I encountered while attempting to apply for a credit card at Wells Fargo Bank, specifically at the branch located in XXXX, North Carolina. My complaint pertains to the bank 's inconsistent treatment of credit card applicants based on their immigration and residency status, which is in direct violation of U.S. regulations and the principles of equality and non-discrimination.

During my attempts to secure a credit card from Wells Fargo Bank, my applications were repeatedly declined, with bank representatives insisting that I needed to provide proof of XXXX citizenship or XXXX residency. It is important to note that this requirement was never communicated in any pre-application documentation or during the application process, and there is no public disclosure of such a requirement as a condition for credit card approval by Wells Fargo. 

Of great concern is the fact that two acquaintances with immigration and residency statuses similar to mine were able to obtain credit cards from the same Wells Fargo branch without any issues. This discrepancy in treatment has led me to believe that there is an inconsistency in the bank 's application evaluation process. 

In an effort to address this issue, I visited the branch and filed a complaint for resolution within the Wells Fargo system. However, to my disappointment, no one from the bank has reached out to me to address my concerns, nor have I received a clear and satisfactory response regarding the specific requirements, if any, for XXXX citizenship or residency for credit card approval. 

I hold a valid Social Security card and am currently legally employed in the United States. Additionally, I possess credit cards issued by other financial institutions, which suggests that I meet the necessary criteria for credit card eligibility, provided that consistent standards are applied to all applicants.
Consumer complaint received 2020-12-29
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. (TN)

I am a victim of ID Theft. 

Please see the ID Theft Affidavit attached for the fraudulent account, and inquiries listed on my credit report. I've attached a scan of my ID front & back for purposes of verifying me. I've also attached a NOTICE TO FURNISHERS stating you guys must do your jobs and remove all of this information. 

FYI ; on some of the inquiries some of them appear more than once and I did my best to try and list them all correctly.
Consumer complaint received 2023-07-19
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 inructions 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 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

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 accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (PA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX  XXXX Bankruptcy Filed XXXX & XXXX XXXX Bankruptcy XXXX XXXX
Consumer complaint received 2022-10-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I made a purchase for XXXX from a company called XXXX. The clothing was delivered on XX/XX/XXXX. Per their policy, you have 14 days to return. The clothing did not fit so I contacted them on XX/XX/XXXX in three different ways by chat, instant message, and by ticket on their website. On XX/XX/XXXX the company responded by asking for the SKU number and pictures of the clothing, on the same date I responded by providing the information. Instead of providing what I requested which was the return address the company offered me a XXXX XXXX refund on XX/XX/XXXX. I responded to the next date again XX/XX/XXXX declining the offer, since the clothing did not fit. Again placing in my email, I wish for a return/refund. Two days later XX/XX/XXXX XXXX responded offering me a XXXX XXXX  refund and suggesting that I give the clothing away to family and friends. I responded the next date XX/XX/XXXX explaining I did consider however again I would prefer a return/refund. On XX/XX/XXXX responded by offering me XXXX XXXX refund and keep the items. By this time I was frustrated however on XX/XX/XXXX responded by agreeing to that offer. That same date XXXX responded " We can not process a return request or refund since I did not contact them within 14 days. The clothing was delivered on XX/XX/XXXX, I contacted XXXX on XX/XX/XXXX. Bank of America did not protect me or my funds as a consumer even after providing the proof. Bank of America responded that I should reach out to the merchant again, even after over XXXX past messages to XXXX. I then reached out to BOA for further explanation the supervisor XXXX XXXX ( XXXX stated that the card provider Master Card denied my claim! I contacted Master card spoke to a supervisor XXXX XXXX and he advised that the information was inaccurate however no noteworthy help on that end either. BOA allowed an online company to take my funds.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT.

# 4 ) THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - I WILL ATTACH MY CONSUMER REPORT FOR THIS ACCOUNT -- -PAYMENT HISTORY DOES NOT MATCH BETWEEN XXXX XXXX XXXX XXXX ALSO TRANSUNION DOES NOT HAVE PAYMENT HISTORY, PLEASE DELETE OFF MY CONSUMER REPORT -- - 15 U.S. Code 1681 -- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-07-19
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)

I took out a personal loan with this company to pay off some credit card debt, etc. in XXXX, I was fired in XXXX of that same year and I was having financial problems to the point of not being able to pay timely. In XXXX of XXXX, I lost my job as they were trying to make the arrangements to help me repay this debt and get back on my feet. However, I was denied unemployment along with no financial assistance due to having friends and family that disowned me due to my financial situation as they felt I never learn. My family disowned me due to my XXXX lifestyle telling me that I was an " abomination '' to them and a XXXX XXXX I was also evicted from my home along with losing my vehicle, I have not had a place to live since XXXX of XXXX, they continue to send mail anyway and my former landlord explained to them MULTIPLE times that I was not allowed to have mail UNLESS pre-approved to do so and they CONTINUE TO LIE on top of EVERYTHING else. I was going to repay the debts out of XXXX, but Upgrade the original creditor CLAIMED that COULD NOT accept payment for the personal loan account, I called them in XXXX to arrange payment having spoken to SEVERAL representatives, they claimed they were investigating the account for my debt forgiveness/repayment plan and THEY LIED ABOUT SELLING THE PERSONAL LOAN to XXXX XXXX XXXX XXXX in which they sold my credit card account that I had with them as well. I opened the accounts to rebuild my credit and I was going to use the credit card as make a down payment on a vehicle that I wanted to acquire and go from there. I had EVERY intention of repaying this debt and NO intention of this situation escalating to a financial situation that was BEYOND my control. This issue has triggered my XXXX and other mental health issues causing me to be on medical leave and five medications. This issue HAS ALSO made me want to XXXX XXXX SEVERAL times. I have NO money for therapies as I am trying to get back on my feet with stable income, a place to live and a vehicle. 

Thank you for your understanding and attention to this matter. 

XXXX XXXX
Consumer complaint received 2023-12-29
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: EQUIFAX, INC. (GA)

I was trying to buy a house and I realized that I had damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.
Consumer complaint received 2023-07-19
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: Chime Financial Inc (RI)

Since XX/XX/XXXX of this year i have been receiving emails from Chime stating that i need to register my account on line for easy access to my checking account and then on XX/XX/2023 my mother recieved a letter at her address, addressed in my name with a debit card that has my name on it. I have not lived at this address in 3 years and I have no need for a chime bank account. The account was opened in fraud using my personal information, when i called chime they couldnt tell me how or when the accout was opened and they dont have my id on file either
Consumer complaint received 2024-08-09
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. (TX)

I am appealing for your help regarding this erroneous account listed on my credit report. I have reported this issue because it has negatively impacted my reputation, and I need your support. Your mismanagement of my credit report put me in a difficult position due to your inaccurate reporting, which damaged my reputation. These mistakes need to be corrected so I can live normally with my family.
Consumer complaint received 2022-10-25
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: EQUIFAX, INC. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I'm trying to close my Huntington checking account - XXXX. Normally I would use a bank online message center, but Huntington doesn't have one. Then I tried to use their online chat, but it tells me I need to go in person to a bank, although I have an online only account and there are no Huntington branches near me. I can't get past the virtual assistant to a live person. So I phoned Huntington XXXX but it asks me for my debit card number which I don't have. I was finally able to get through the automated message, only to be told that my estimated wait time is more than 45 minutes. So ... no online message center, no live chat, no bank branch, no phone help. This is insane.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ XX/XX/XXXX ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ) , specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15. 
As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you may lack the necessary procedures to verify the accuracy of the late payments reported. 
Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( XXXX, XXXX, and TransUnion ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves. 
Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above. 
Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX : XX/XX/XXXX SSN : XXXX