davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (AZ)

I received a letter dated XX/XX/XXXX from wells fargo telling me that they did a risk review of my credit card account and had decided to close it. I have never been over the limit or late on a payment as a matter of fact I paid the balance in full every month. Immediately called on XX/XX/XXXX ( when i received the letter ) and was connected to the executive office and spoke with XXXX. I explained that I was unable to redeem the rewards I have been saving for years from the card because they closed it. She put me on hold and looked into the matter verifying that I had indeed earned XXXX points through my purchases. She agreed that I am due the rewards and gave me a case number and phone number and said that the case manager would call me the following day. 

The following day I returned a missed call from XXXX my case manager on two occasions but she didn't return my call. On the third call I spoke with the person that answered the phone and he said he would look into whats going on, after a long hold he returned and said that the rewards have been forfeited and that was a final. After informing him I was never given notice or any chance to redeem my honestly earned rewards he just stated again that they have been forfeited. 

I see that closing accounts for no good reason is a common practice at Wells Fargo but I have earned those rewards and this amounts to theft.
Consumer complaint received 2023-01-10
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX has violated my rights. 


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

15 U.S. C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-24
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-05-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AL)

THIS IS MY SECOND TIME DISPUTING FRAUDULENT ACCOUNTS AND UNAUTHORIZED INQUIRES. I HAVE SENT IN MY POLICE REPORTS, FTC REPORT AND IDENTIFICATION VIA MAIL CONTINUOUSLY. THESE ACCOUNTS KEEP COMING BACK VERIED AND ACCURATE WITH NO PROOF. I HAVE LOOK AT MY XXXX XXXX AND NONE OF THESE ACCOUNTS ARE LISTED. I WANT TO KNOW HOW ARE THESE FRAUDULENT ACCOUNTS ARE BEING VERIED. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THESE ACCOUNT COME BACK ACCURATE AND VERIFIED COULD I PLEASE GET A COPY OF MY WET SIGNATURE ON THE DOCUMENTS TO SUPPORT MY FRAUD CASE. 

ALSO, THERE ARE INQUIRES THAT WERE NOT AUTHORIZED BY ME. CAN I HAVE ALL INQUIRES THAT ARE NOT ATTACHED TO AN ACCOUNT REMOVED.
Consumer complaint received 2018-03-06
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: CAVALRY INVESTMENTS, LLC (CA)

I have absolutely no idea what this account is, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report this account. 


Also this debt was proven to be fraudulent by the original creditor and deleted off my reports, Im contacting this creditor to ensure that they know that this debt here is uncollectable under the Fair Debt Collection Act 2009 ( a )
Consumer complaint received 2017-05-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (TX)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due  XXXX ,  XXXX ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (AZ)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX, KS XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXXXXXX : {$12000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00}, XXXX XXXX XXXXXXXX : {$14000.00}, XXXX XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX : {$14000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$25000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired onXXXX XXXX XXXXXXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX
Consumer complaint received 2023-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NE)

On XXXX I sent {$2300.00} worth of XXXX XXXX from my XXXX XXXX to my Coinbase account. The transaction showed that it was successful but I never got access to the XXXX in my Coinbase account. I later found out that Coinbase does not suppport XXXX so I would never get access to the roughly XXXX XXXXXXXX that I sent. This did not make sense to me since the Transaction said it was successful. By working with XXXX support I learned that I had sent the XXXX to a private Coinbase wallet that had private keys that only Coinbase has access to. XXXX instructed me to ask Coinbase to simply send the XXXX back to me at my XXXX address ( the source address for the transaction ) since Coinbase does not support that type of XXXX XXXX. Coinbase flatly refuses to help me and they keep acting like the money is just gone. Well the money had to go somewhere and I want it back. I know that happens to other customers they serve because I have seen similar complaints on the web. Why was the transaction successfull if Coinbase does not support it? I still have access to the Coinbase address I sent the XXXX to. If I do subsequent transactions to that address will it over write the transaction I did by mistake and I will loose access to that money forever? Coinbase will not answer these questions they just keep saying they don't support XXXX and I should be more careful about what I send them next time. The XXXX  ID ( transaction ID ) is : XXXX The Coinbase case ID was XXXX. The XXXX case ID was XXXX. I am still learning how to work with XXXX XXXX. I have done other transactions that were not correct and the transaction fails ( as it should ). I am simply asking Coinbase to send my XXXX back to me at my XXXX account if they can't process it internally. They need to send my case to a server expert instead of their law department.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (NY)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belongs to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-20
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. (NY)

I have sent multiple complaints thru CFPB and FTC but I don't see why this 9 inquiries I didn't authorized are still on my credit report when I have done my part. I've check this and reach out to the creditors that I am not aware and have no knowledge with this.
Consumer complaint received 2023-05-24
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Hi, I recently found out that there was a credit card opened on my Capital Onen account without my knowledge a few years ago and I have contacted the company twice about it and both times they have said I'm the one who opened it, when I wasn't. 
The total is close to {$600.00}! and I honestly don't know what happened. I could really use your help because this has been reported to my credit companies and is impacting my score greatly. 

Thank you
Consumer complaint received 2023-07-12
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southern Oregon Credit Service, Inc. (OR)

Southern Oregon Credit Service INC dba Fidelity Collection Service served me a letter on XX/XX/23 with legal action in small claims court to pay two medical bills ( and the company 's fees ) totaling XXXX . After reviewing the notice and speaking with my girlfriend, I found out that this company had mailed a copy of my medical debt, addressed to my girlfriend, at our shared address. She was confused over this because she hadn't accessed any medical care at the places listed in the bill and called the company to clarify. When on the phone with employee- XXXX XXXX , he disclosed the bill was for me not for her, and that it wouldn't hurt her credit. He then tried to clarify if we were married, to which she told him we weren't married ( and still aren't ) and demanded to speak to his manager for disclosing this information to her without us being legal spouses OR my consent. He denied her request and quickly hung up on her. 
She was extremely upset and felt preyed upon and that the letter was worded to be misleading her on purpose. 
There is no way they can legally disclose my debt information in paper AND verbally to someone I'm not married to and haven't given consent to them contacting. I want this company held accountable for breaching the Fair Debt Collection Practices Act Section 804.2 Acquistion of location information stating, " Any debt collector communication with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- not state that such consumer owes any debt ;. '' and Section 805.b Communication with third parties, " ... a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer... ''
Consumer complaint received 2023-02-02
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)

the credit bureaus stated that my account was properly investigated this can not be fact at as as the account listed are all reporting inaccurate across all three bureaus. 
15 USC 1681 section 602 A. states i have a right to privacy 15 USC 1681 section 604 A section 2 : a consumer reporting agency can not furnish an account with out my written permission 15 USC 1681e compliance procedures 15 USC 1681b accuracy of report when ever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates, 15 USC 1681a ( 5 ) if any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or unverifiable the consumer agency SHALL promptly delete that item from the file of then consumer these accounts are all being reported wrong across all three bureaus account name : XXXX XXXX XXXX account number : xxxxx account name : XXXX XXXX  account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX XXXX account number : XXXX account name : XXXX XXXX account number : XXXX these accounts have been disputed and re disputed with no change or fixes to my report under the laws that govern these credit bureaus my rights as a consumer have been greatly violated
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AZ)

My children and I visited XXXX is located in XXXX to unlock credit file and to recieve credit report as customer relation team advised me to submit XXXX failed to provide credit report and credit score. 
Attached files visiting XXXX and submitted in person, staff of XXXX scanned documents. 

Let me get my credit report and score ASAP.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MD)

I hope this letter finds you well. I am writing to dispute a hard inquiry listed on my credit report from XXXX XXXX XXXX, dated XX/XX/2023. And XXXX Bank dated XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( b ) ( 3 ) ( A ) and the Fair and Accurate Credit Transactions Act ( FACTA ) Section 604 ( a ) ( 3 ) ( A ), I have the right to request information regarding any inquiries made on my credit report.

I have thoroughly reviewed my credit report, and this specific inquiry was made without my knowledge or authorization. As a consumer, I have the right to be informed about and give consent for any access to my credit information. The FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) states that a consumer reporting agency must have a permissible purpose and obtain the consumer 's consent before releasing credit information.

Given the above information, I kindly request that Equifax immediately investigate the validity and authorization of this hard inquiry and provide me with a written explanation within the time frame required by law, as outlined in FCRA Section 611 ( a ) ( 1 ) ( A ).

If it is found that the inquiry was made without my consent, I request that Equifax remove the inquiry from my credit report, as it is causing negative effects on my creditworthiness and financial well-being. Under FCRA Section 611 ( a ) ( 1 ) ( B ), inaccurate or unverified information must be promptly corrected or deleted from a consumer 's credit file.

Please provide me with a written response and a copy of my updated credit report after the investigation is complete. Additionally, I would appreciate any information you can provide regarding the source and purpose of the unauthorized inquiry.

I understand that you are obligated under the FCRA to complete the investigation within 30 days of receiving this dispute letter. Failure to comply with the FCRA guidelines may result in legal action.

Thank you for your prompt attention to this matter. I look forward to receiving your response and the resolution of this dispute. Please do not hesitate to contact me if you require any additional information or documentation to facilitate the investigation. 

Sincerely,
Consumer complaint received 2023-01-19
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)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I froze my accounts with all XXXX agencies last year. I called to have my Experian credit freeze lifted on XX/XX/15. They claimed they did and provided a confirmation #. However, I am told it is still frozen. 

I have attempted dozens of ways to get in contact with them and they are unresponsive. They overly rely on automated phone system that will not answer my question. I need to know if the freeze was lifted. 

I attempted to use their website, and someone had already logged on as me and used a different email. Now all of their comms are going to the fraudster 's email account. I can not get anyone to help me. They keep sending me to a phone tree that does not help, or a website that I can not log into. 

This is a company that I do not want to do business with. But I have no choice.