davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-21
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. (CA)

In accordance with fair Credit Reporting act XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

I had a JetBlue Mastercard for many years. It was taken over by Barklay 's Bank. 
They issued a duplicate card to an impersonator in a different city, which was rectified by closing that card and issuing a new one. This fraud called them again, and again, against the assurances I received, they sent him another card on my account. We went through the same procedure and then they sent this hacker another new card with my new information. At this time I closed the account. 
Unbeknownst to me, they added a charge for the interest incurred by the hacker, which they assured me would not happen. I received no notice of this until they sent me notice on XXXX that my account was delinquent by the XXXX cents and a XXXX dollar late charge. I spoke to them on XXXX and they assured me it would be taken care of. Today, XXXX they reported the " debt '' to the credit bureaus.
Consumer complaint received 2024-03-08
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)

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family with a baby on the way Please remove unauthorized inquiries AND ACCOUNT that is not mine. from my credit report As soon as possible
Consumer complaint received 2023-04-21
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. (OH)

I've found that my credit report has erroneous information for the third time, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: Experian Information Solutions Inc. (TX)

This is in response to complaint XXXX. Experian said that some inquiries that I disputed were not reporting which they are. I do believe that Experian is stalling, and an investigation was not conducted. They removed 7 inquiries but there are still inquiries from the letter that I sent on my credit report. Please refer to the letter attached and remove the inquiries that are still reporting on my credit report. At this point I will be seeking {$1000.00} per violation if this situation is not resolved. I also reported this to the FTC being that I was involved in a data breach.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

There are several unauthorized inquiries on my report. I have mailed investigation letters to the bureaus and organizations. I have also created a report with the FTC, yet there have been 0 attempts for resolve. These unauthorized inquiries should be investigated and removed immediately, as requested.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

I have been banking with Wells Fargo for many years now. at times I have notice that some of the items that I have paid have been healed for a week till the money in the account is at a minimum. Then it's sent out as a payment to where the account dose not have enough funds to pay out and I'm hit with a fee. I have called them several times and asked why does it take so long for the money to be sent to the merchant? their reply was sometimes it takes time for us to receive the payment that was put in. I went on and did a test to see if what they were saying was true. not at all. I have bought some items from the same merchant where the payment comes out immediately to where it takes one to two weeks to come out of my account.
Consumer complaint received 2022-11-09
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. (MD)

I have provided all three bureaus copies of my report filing from where someone stole my personal information and obtained credit in my name without my knowledge. To date the bureaus have not removed these items as clearly required by law according to my attorney. They have also not provided details of how they claim to verify these items even though we have requested these details several times now. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Fair Credit Act 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 

These are the accounts in question : XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX Account XXXX : XXXX
Consumer complaint received 2022-11-09
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: Fidelity National Information Services, Inc. (FNIS) (MI)

I am opting out of reporting my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights of privacy and copyright protection. Im requesting that my personal data be deleted from your company data base immediately.
Consumer complaint received 2022-11-09
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)

In accordance with the Fair Credit Reporting act XXXX inaccurate inquiries being reported By XXXX and Equifax, 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 Inaccurate Inquiries being reported by XXXX and Equifax Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

An account was opened on XX/XX/ for a student loan that I had no knowledge of, I never agreed to a loan in my name and was not given any paperwork to show proof of ownership of this account! I would like accurate proof to verify that I consented to having a student loan opened in my name '
Consumer complaint received 2022-11-09
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)

Back in XXXX there was 2 credit card accounts fraudulently opened in my name XXXX XXXX  and XXXX XXXX as well as a collection account XXXX XXXX in the amount of {$690.00}. 

The XXXX account has been removed from my Equifax credit report but remains on both XXXX and XXXX. XXXX XXXX remains on my XXXX credit report. XXXX XXXX  account has been removed from Equifax 5 times but the company keeps reselling the account every time it is removed this account is back from XXXX which is way past the XXXX statue of limitations which I was not responsible for. 

I have been disputing these accounts for XXXX yrs and have provided all documentation to prove that these accounts have never belonged to me. I also explained in details that all my personal property and wallet had been stolen I have provided police reports Affidavit and ftc reports. 

This has been very disturbing and embarrassing that I have not been able to move ahead with my life because of these inaccurate accounts. 

I am asking that you guys can please help me to get these accounts removed. 

I am filing a complaint against XXXX, Equifax, XXXX, XXXX XXXX, XXXX and XXXX XXXX for continuing to report inaccurate data to my credit report and not fairly investigating the accounts.
Consumer complaint received 2022-11-09
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. (IN)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-08
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: EQUIFAX, INC. (NJ)

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 XXXX days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd (WY)

I XXXX XXXX XXXX, and I was doing my business through. Beginning of XXXX I was facing problem of buying through this online account. I did my all efforts including approaching XXXX my supplier but all in vain. Then I posted my problem on my XXXX  account and few account holders of my business approached me but they couldn't fix it. 
Then a XXXX XXXX on dated XXXX XXXX XXXX, contacted and he told me to deliver XXXX $ to an account for proxy and I did at XXXXXXXX XXXX XXXX from my mobile. And then at XXXX XXXX XXXX XXXX I received a message from wise bank by email that XXXX $ delivered to same account which I did not deliver even no one asked any XXXX  or any account details. This boy was setting proxy on my account when I asked him about money he started abusive language and disconnected the call. Then wise bank responded my query which I quickly registered and refund my amount after all investigation on XXXX. But unfortunately wise bank took back my amount XXXX $ XXXX $ on XXXX XXXX  without any prior info and emailed me that they are not responsible for this fraud. My humble appeal is that if bank can took back my account money without any prior info, why not a culprit account can be access as he is also using the wise bank for his business purposes. Bank has done all the required details and investigation bout his account already.please help me regarding this illegal approach of my personal business account and grabbing of big amount XXXX $ from my account with out my permission. I am waiting for your kind response
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NV)

After filing a complaint ( COMPLAINT ID XXXX ), Citi deposited {$500.00}, short of {$200.00} bonus. I spoke with the manager today, XX/XX/XXXX at XXXX. She said the reason for the shortage is because the {$25000.00} deposit to open the account must be from other financial institution. I made her aware that all deposits were made from other banks. She said she was with a customer and that she will call me back after she reviews the file. She called back at XXXX. She said her hands are tied because I filed a complaint with CFPB. She said " they will contact you ''. I asked, " who are they? ". She said, " another department handling your case ''. I asked, " do they know about the shortage? '' She said, " no, this case is closed ''. She continued to argue that the part of the deposit came from Citi Bank funds. I explained that $ XXXX came from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, another $ XXXX came from XXXX XXXX XXXX XXXX XXXX the next day on XX/XX/XXXX ( these files I attached is from Citi Bank transaction record ), $ XXXX from XXXX XXXX another $ XXXX from XXXX XXXX a total of $ XXXX. Attached you will find the sources of these deposits. XXXX did not do thorough investigation. She doesn't even recognize her own bank 's transaction records.
Consumer complaint received 2023-04-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : 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
Consumer complaint received 2023-12-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

I deposited {$1200.00} into a savings account on XX/XX/2023 and Wells Fargo closed the savings account I transferred the {$1200.00} and I have not received my {$1200.00} after the closure of the account. I requested my statement for the account Wells Fargo closed and the statement inaccurately reflects that Wells Fargo closed my savings account with a XXXX balance and that deposit i made to that account was not reflected in the statement. I have another statement that accurately reflects I did make a {$1200.00} transfer to the savings account that Wells Fargo closed. I have filled XXXX claims and have not received reimbursement for the funds that were taken from me by Wells Fargo. I am missing {$1200.00} and Wells Fargo has denied both of my claims for mishandling my funds and inaccurately recording my electronic funds transfer. In the attached documents you can see I transferred the funds from XXXX account to the other online in XXXX statement and in the other account statement it did not reflect the transfer and shows that only {$4.00} were deposited when in fact the other statement shows I deposited {$1200.00}.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AmerAssist A/R Solutions, Inc. (NY)

Ameriassist AR Solutions is now reporting my settlement as a Public Record to XXXX. It is my understanding that only bankruptcies are allowed to be reported as a Public Record. ( Ameriassist is doing in this addition to reporting my settlement to XXXX. ) Again, this had caused my credit score to plummet. Sadly, I had believe that by making things right with the creditor, my credit score would increase.
Consumer complaint received 2016-09-21
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Consumer Portfolio Services, Inc. (CA)

I sent a letter back in XX/XX/2014 not to contact via phone to write me a letter because the calls were harassing me. The calls stoped until recently my voice mail has a recording of a message from this company and a couple other messages just asking for me, but the voice is the same. The harassing had started again.
Consumer complaint received 2022-11-24
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2024-03-08
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. (MO)

Experian, XXXX, and XXXX have all violated 15-USC - 1682. They do not and have never had my written consent to place these items on my report. In fact the only true credit reporting agency is the cfpb.
Consumer complaint received 2024-03-08
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-09
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. (IL)

Despite the multiple CFPB complaints that I have been submitting to the XXXX Credit Bureaus, my request for proper verification and deletion of the fraudulent accounts on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have done nothing and ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. I am submitting yet another CFPB complaint to the Credit Bureaus to request that the following Fraudulent accounts listed below still reporting on my credit report and have caused a large decrease in my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following accounts removed from my Credit Report as soon as possible : XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$6400.00}