davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-24
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: WELLS FARGO & COMPANY (TN)

I have a wells Fargo jewelry card and tried to contact them to get into a hardship program and could not get a representative on the phone or sign up online. This caused me to be 30 days late, I would like to have this removed due to that and the cares act.
Consumer complaint received 2023-07-22
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. (TX)

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

Recently, I did an investigation on my credit report and found several items on there to be in accurate under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerned the individual about whom the report relates, This account was charged off XXXX XXXX since then, the account has been updated as charged off every month. This is an update in the payment history. A charge off account should NOT include active payment history. This inaccurate information falsely manipulates the statute of limitations. They have failed to investigate this account properly and the neglect has violated my rights. I am demanding a deletion of the account.

15 U.S. code 1681i ( 5 ) treatment up in accurate or unverifiable information in general, if after any reinvestigation under paragraph one of any information disputed by a consumer and item of the information is found to be in accurate or incomplete, or can not be verified the consumer reporting agency, XXXX promptly delete the item of information from the file of the consumer or modify that item of information as appropriate based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my report immediately. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm sendig this complaint because I have submitted my dispute letter to Transunion since I become a victim of Identity theft, I was disputed hard inquries on my report that been placed by FRAUD. I have Fraudulent Hard Inquiries on my credit report. Someone applied to Financial Organizations in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiries and the copy of my ID. Here is the list of Fraudulent Hard Inquiries : XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX, Used XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Used XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion These hard inquiries dont belong to me, please remove them from my credit report. Thank you very much for your consideration and help, I really appreciate it. 

They are not factual data, they are result of fraud activity. 
Please remove them immediately. I have included copy of FTC Report that I filed and copy of documents to verify my identity : SSN, ID, proof of addrss
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NH)

The complaint is regarding a Chase XXXX XXXX credit card. This card has been open but has remained inactive for years. It came to my attention in XXXX of this year that I had an outstanding balance secondary to the yearly fee. In XXXX I spoke with customer service and was told that the account would be closed and all of the fees would be waived and that I would have a {$0.00} balance. 

On XX/XX/2022 I realized that there was an outstanding balance listed on my credit report for several XXXX dollars related to this account. I called J.P. Morgan Chase customer service on the above date and described the phone call in XXXX. At that time, they stated that they would perform a " call pull '' and review the phone call in question in XXXX. They stated that they would rectify the problem if I was in fact told that the account would be closed and there would be no further fees/account balance during the XXXX phone call. I was told I would receive a call back in XXXX to 10 days On XX/XX/2022, 14 days after the initial call, I called back to check on the status. Customer service informed me that my account was sent to collections on XX/XX/XXXX. They stated that they were obligated by law to perform the call pull within 14 days. They stated that they would attempt to do so and call me back in XXXX business days. 

On XX/XX/2022, received a call from customer service stating the reason for the late fees. They confirmed that the account was closed and that there were late fees that were due. They did not perform the " call pull '' to review the call from XXXX as they mentioned they would. 

Ultimately, I was told in XXXX that the account was closed and that I had a {$0.00} balance but despite this, the fees remained active and were ultimately sent to collections after I started to further investigate in XXXX. The call any question in XXXX was never reviewed after numerous calls to customer service.
Consumer complaint received 2024-03-26
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

Proof of debt submitted because of CFPB compliant is fabricated. They made up a promissory note with made up information that I have never signed or seen. 

This company is clearly committing fraud. 

The alleged debt was from XXXX  and is well beyond the statutory collection period.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2024-03-26
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. (MI)

I looked at my report back on XXXX 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 are not accurate XXXX account ' acct # XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied for the Capital One Venture X credit card from Capital One bank and paid {$390.00} as the annual fees. However within less than a month, my card usage was blocked. I called the bank and was told to send various personal documents such as ID, bank statements etc. The following month i called multiple times for a status update after sending the requested documents. Finally a few weeks later i received a letter saying that my credit card account was closed by bank. No specific details were given. 

I have since reached out several times over the course of the last XXXX mths to request a refund of the {$390.00} annual fees but to no avail.
Consumer complaint received 2023-02-25
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: Experian Information Solutions Inc. (IL)

Experian and XXXX says they have investigated and found whats on my credit report is accurate. however my name is wrong my employer is wrong and inquires are fraudulent i asked several time for the to send me proof that i gave these companies permission to pull my credit because i didnt
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. (SC)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XXXX and XXXX XXXX and Capitol one the number on the credit card was stolen I was notified by C/O of this they cancelled out the number were supposed to send a new card never did continue to pay amount on bill then C/O stop accepting payment then they blow the amount to {$5700.00} dollars you try to explain the situation then the finger pointing starts with C/O and XXXX XXXX XXXX XXXX and I'm caught in the middle all they have to do is look in there computer and they will see it but again neither one will do that my wages are garnished now which is wrong they dropped the ball not me.you can't talk to neither of these idiots right now
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Over 2 months fighting against to XXXX or XXXX credit account. 
By the FCRA the credit card issuer should report correctly to consumers credit report, this company is full of false, I paid 2 days before payment ORIGINAL DATE but they reported as no payment, second : I will upload 3 credit Bureaus report and there is showing 3 different names and account numbers. By the Law, account must report at least XXXX digits or numbers in credit report which are missing, In Equifax and XXXX is showing me issuer name is XXXX and XXXX showing XXXX credit, I contacted XXXX credit and they responded that they are no longer owning XXXX account, 4 months ago I receive message that XXXX will be reporting as XXXX credit, now XXXX is responding that they don't control XXXX accounts. Major thing is they sold the company without getting consumers authorization, I don't allow anyone to sell my information even to trusted banks in XXXX. I'm getting chagred for some transactions which shouldn't be like that. I know the Federal Law and I DEMAND THIS ACCOUNT SHOULD NOT REPORT ANYMORE AND ASKING CFPB TO FOLLOW THE FEDERAL LAW AND PUSH THEM TO DELETE THIS ACCOUNT OF MY XXXX CREDIT REPORTS ....
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Multiple attempts to remove outdated and inaccurate addresses on my credit report have been made to TransUnion and XXXX. 

On attempts dated XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

After multiple attempts outdated and inaccurate addresses remain on my credit report.
Consumer complaint received 2022-10-19
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: Experian Information Solutions Inc. (TN)

My account was closed XX/XX/XXXX with XXXX, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today XXXX will not report my balance as {$0.00}, they are still reporting my balance on my XXXX and Experian as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. XXXX XXXX is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why XXXX  are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with XXXX anymore
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize the above hard inquiries on my credit report
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My account was closed XX/XX/XXXX with XXXX, is supposed to be {$0.00}. Balance they are no longer my servicer. I have a new servicer XXXX. The transfer was completed in XX/XX/XXXX all loans are with XXXX. As of today XXXX will not report my balance as {$0.00}, they are still reporting my balance on my TransUnion and XXXX as open as if Im my account is still with their company. I have done several disputes and they are being updated as balance remains and Im no longer with them. I have spoken with the credit bureau and they state they only update what the company is putting out. XXXX XXXX is reporting to them that the balance is still open when clearly on my credit report I see when it was closed and transferred to another lender. One supervisor said the loans werent converted yet thats why XXXX  are still reporting a balance. False I have documentation from my new servicer showing all loans were transferred in XX/XX/XXXX to XXXX. I just need my account updated accurately Im no longer with XXXX anymore
Consumer complaint received 2023-07-22
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. (AZ)

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 2024-03-26
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)

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 2024-03-26
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. (GA)

Ignores all of my hand written request never wants to furnish who they have spoken too to say they've completed investigation refused to furnished names of parties spoken too and refused to answer as to how they have violated my consumer laws completely
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
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 2023-07-22
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. (AL)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
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