davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
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. (NJ)

My Credit Report is showing an Active Account Was Closed & Deleted from my credit report & dropped my score all the way to XXXX. I originally called my secured card credit company to dispute the fraudulent chargers. My credit company told me they were then going to send me a new credit card and that the old one will not work. So Im just confused as to why it says I have no accounts open when In fact I have one credit card open.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (PA)

I WENT TO OPEN A CHASE ACCOUNT AND MY security security number BEEN EXSPOS I NEVER HAD ANY OTHER ACCOUNTS THEN CHASE IT WOULDN'T LET ME DUE TO XXXX  I believe MY SSN AND DAY OF BIRTH BEEN USED PLEASE REMOVE ME OFF OF XXXX SO I CAN HAVE A BANK WITH CHASE!
Consumer complaint received 2021-11-23
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. (FL)

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 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX  XXXX is reporting a credit card on my credit account that I have never opened with them, my information was exposed in XXXX  data breach and some other stuff was on my credit profile as well. That other stuff was deleted because they knew it was not mines.
Consumer complaint received 2021-03-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved. On XX/XX/2021 I submitted a dispute with Equifax and its been over 30 days and I havent heard anything back in regards to that dispute. This is unacceptable.
Consumer complaint received 2015-07-28
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CONSUMER PROTECTION ASSISTANCE COALITION, INC (MO)

Did XXXX bank take credit for paying off a {$35000.00} merchants bank loan and a {$7700.00} university bank loan? XXXX which ultimately became XXXX bankThese notes would have been under XXXX.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2023, around XXXX XXXX I attempted to deposit {$300.00} cash at the Wells Fargo ATM, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. After inserting my debit card and entering my pin, I selected DEPOSIT and inserted {$300.00} cash into the feed. I then noticed that the machine feed was not working properly so I canceled the transaction and started the process again. I then re-entered my debit card and pin, selected DEPOSIT, and inserted {$300.00} cash a second time into the feed. The feed accepted the cash deposit, but due to a malfunction started rolling over repeatedly as though it was processing the deposit without stopping. I waited approximately five minutes for the deposit to be returned or for the ATM to render a receipt. Neither happened. After that, on the ATM screen appeared a goldish/yellowish sign that read words to the effect of a " technical issue ''. I then selected " return card '' for fear my ATM card would not be returned. I immediately summoned the Security Guard at the entrance to the bank who was a few feet away. I asked him to look at the ATM to witness the problem with the machine. He then directed me to go inside the bank and inform the teller which was near closing time. The teller gave me her business card and told me to contact the Claims Department since she was unable to resolve the issue at the Branch. The name listed on the card is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. Tel : ( XXXX ) XXXX ). XXXX. Around XXXXXXXX XXXX  on XX/XX/2023, I left the bank and contacted the Claims Department around XXXX XXXX  from my mobile phone. Sometime later the bank granted me a " provisional credit '' pending the outcome of their investigation. However, upon completion of their investigation, they indicated that there was no malfunction with the ATM and opted to reverse the provisional credit by debiting my account for {$300.00} which devastated my finances. I have been a long-time customer of Wells Fargo for over twenty-plus years and have never experienced anything of this magnitude. Although at times when I deposited cash at the ATM if there was a problem with the currency being wrinkled or too many bills, the machine returned the money to me. I would then re-enter the cash deposit with no problem. As a result of their decision to rescind the provisional credit of {$300.00}, I may be forced to close the account. I am heartbroken that I was treated this way by a bank I thought I had established a long-time relationship with. Apparently, they are no longer interested in my business.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXX above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. Information on the consumer report must maintain Maximum Possible Accuracy. Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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. The details of the accounts are inaccurate they are not exact in details and amounts. ( TransUnion/XXXX  XXXX XXXX XXXX you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! ( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE Yours Truly XXXX XXXX
Consumer complaint received 2023-08-17
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: Prosper Marketplace, Inc. (FL)

In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ), ( Prosper Marketplace Personal Loan ) has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 also states that consumer reporting agency can not furnish my account without my written instructions. under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer 's credit plan as late for any purpose. My missed late payments that were under 60 days are current now. please assist in removing late payments.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

My Equifax credit report is not reflecting any changes or updates that current on my other credit reports. It has not updated in years not sure whats going on but needs to report correctly to reflect accurate info as needed please help me with problem with equifax not sure what is going on with them thank you
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Credit Collections U.S.A., L.L.C. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH XXXX XXXX AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

XX/XX/2021, {$2500.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$5000.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$5000.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$5000.00}, the money was used to purchase XXXX at Western Union at XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XX/XX/2021, {$2500.00}, the money was used to purchase XXXX at Western Union at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper is my mortgage holder. I recently inquired about a refinance with them. 
Yesterday I went to pay my normal monthly payment. There was a {$20.00} fee added to my payment amount. After talking to 3 people and being told someone would call me ( who didnt ) I have found out it was for a pay off quote that was generated by the lender I was working with re : refi. I want that removed because not only did no one inform me of It and that there was a fee but it was never brought up i.e. I wasnt informed what it was. 
In calling Mr. Cooper I have been told that it can not be taken off. 
How can that be? 
How can they charge someone for something they never knew about or were told would be charged to them. 
XXXX XXXX
Consumer complaint received 2021-03-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

We hired a contractor to do repairs on our home after Hurricane Michael in XXXX. The contractor was terminated on XX/XX/XXXX for breach of contract. However, sometime in late XXXX of XXXX we finally received insurance checks ( dated XX/XX/XXXX XXXX, two of which contained the contractor as a payee. They were issued by XXXX XXXX, from their account with JP Morgan Chase Bank, Check # XXXX for {$120000.00} and Check # XXXX for {$6700.00}. Both of these checks were deposited and cashed at a Chase Bank, sometime in XXXX of XXXX, by our previous contractor, XXXX XXXX XXXX XXXX, without my endorsement or that of my Mortgage Company XXXX XXXX XXXX XXXX XXXX! After contacting Chase about the banking error we were informed that we must prove the money belongs to us even though XXXX XXXX was allowed access to those funds without all the necessary and required endorsements, and a violation of Chase Banks own deposit account policy! 

A complaint has been filed with the XXXX XXXX XXXX Department for fraud and theft against XXXX XXXX, case # XXXX.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have filed a dispute with Transunion XXXX/XXXXXXXX and the company is failing to honor the identity theft account under the 605B which is a FCRA violation. The other two credit bureaus have already removed the information.
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (MA)

I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Please see attached letter and FTC Report for the inquiries that I am disputing.
Consumer complaint received 2023-08-17
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. (MD)

This is my 3rd XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I sent in a request to have items I believed to be fraudulent removed from my Experian credit report. All inquiries that extend from XX/XX/XXXX through XXXX Since I had not seen any activity, I contacted them to today XX/XX/XXXX and I spoke with a fraud specialist. I explained that I had not authorized these inquiries and that I would like to have them removed. He responded by saying that all the inquiries were a result of my auto finance loan that I opened. And that they were attached to my financing loan account. I explained that I contacted the finance company directly, to be approved for the loan that I currently have with them, and that it made no sense that they would have sought out other financing options with other companies if they were the ones extending me financing options. He insisted that my finance company sought out to search for financing for my auto loan which is absurd. They did not have my permission to do so, they only had permission to seek financing through their company, and to date I do not know of any financing company that would seek to get you financed with someone else. So I am filing this complaint to see if I can get this issue resolved.
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (MO)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Hello. 
On XX/XX/2021. 
I used my government prepaid Bank of America XXXX to make a withdrawal at an at Bank Of America ATM. ATM ID number XXXX located on trails village in XXXX XXXX NV. I entered for XXXX dollars to be withdrawn from my account. The ATM gave me XXXX dollars. XXXX XXXX XXXX dollar bill XXXX XXXX dollars bill and XXXX tens. Which one XXXX and XXXX dollars would be missing from my withdrawal. I called the back of my prepaid card they issued me a new debit card right away which XXXX not able to access! Which has now closed my deposits from my unemployment. I need my prepaid government debit card re opened so that I can receive my weekly government benefits. When I call Bank of America XXXX department they transfer me to numbers that eventually hang up on me.
Consumer complaint received 2021-03-12
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. (TX)

My name is XXXX XXXX XXXX On my credit report the fraudulent listed account number is XXXX with XXXX XXXX XXXX XXXX  This is not my account. I have tried over and over to clarify that this account does not belong to me. I have disputed it with the bureaus to no avail.I have sent letter and faxes to XXXX XXXX with my Identity theft report from the FTC. The only thing that the bureaus and XXXX XXXX  are doing is validating the account. How can you validate a fraudulent account. This account is not mine.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

I started disputing a late payment on XX/XX/XXXX with the bureaus. At that time, I did not receive any responses from them letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX and again on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.