davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I disputed some suspicious accounts on my credit report that came back as verified by the credit bureau. I then asked for the method of verification [ ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ] which was received by the company and i never received the requested Documents which is a violation of my rights [ FCRA 611 ( a ) ( 7 ) ] pursuant to federal law these deceitful inaccurate accounts must be deleted for the violation of my federally protected consumer rights. accounts # XXXX, XXXX, XXXX, XXXX. these accounts are in violation of my rights and must be permanently deleted immediately.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SANTANDER HOLDINGS USA, INC. (NY)

Request to remove Hard inquires with FTC. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Santander Consumer USA XX/XX/XXXX Santander Consumer USA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-02
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. (PA)

XXXX XXXX XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was a victim of fraudulent charges placed on my credit card becuase of a stolen card number. I have reported this to the company and have recieved a new card with a new number, however, the card that I recieved has a contactless NFC chip installed. Using a cell phone with NFC capabilites, I had no problem getting the phone to read the card number, expiration date and CVV code. This is a very insecure sustem and I do not want this card since the information can just be stolen again. When I call in to request a new card, I am told that there is nothing that can be done and that I can not get a card the does not have this insecure feature disabled or removed. Since this is how the fraud on my account occured before I no longer trust this company since there is no way to opt out or ask for a card without this feature and there is no zero fraud liability and I am being asked to pay for the unathorized charges on this card. With this company, you are guily until proven innocent -- with the fraud department constantly siding with the merchants by not allowing customers to prove their side and rebilling those charges several months into the future, hoping the customer won't notice ; and even if they do, customer service will do nothing to remove those charges. While I can defeat this feature by wrapping the card in foil, one the card is removed from that foil to be used at a cash register, the card becomes vonerable again. I do not truse this technology, and will not fall for the lies of thier zero fraud liability claim.
Consumer complaint received 2022-02-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (OR)

I paid off my personal loan, and at the same time made a separate payment to my credit card. Apparently both payments went to my loan, so it was overpaid by ~ {$2400.00} ( the extra payment was for {$2500.00} ). After noticing what had happened, I called my bank immediately. They told me to call back the next day after things were processed. On that first call, they told me that the extra payment would be refunded to my checking account ( the account it was paid from ) within 2-3 business days. The next day I called the number they gave me, and they also told me that it would be credited back to my checking account within 2-3 business days, and told me the exact amount ( since som interest would still be due after my intentional payment of ~ {$10000.00}, the principle shown on my account portal ). I called, and had several chats, and a chat with one of their XXXX accounts, and each time since the 2nd call I made Ive been told it will be 7-10 business days for the money to show up in my checking account. Right now, it has been over 10 business days, I'm on hold with someone now who told me they will send me a cashiers check. Every person I've spoken with until now said explicitly that the cashiers check they normally would send in this situation was canceled and the money would just be credited to my account. Between the erroneous overpayment and today I have overdrawn several times and been charged overdraft fees numerous times. This seems criminal to me, plus its Wells Fargo... So you know... Probably legit they are being shady here. They have collected $ XX in overdraft fees, not to mention their collections dept. called me and asked when I would pay my overdraft amount. I asked them when they would pay me the money they owed me, since it more than enough covered the overdraft amount. 

Date of disputed overpayment : XX/XX/2022. Amount : {$2500.00} Overdraft fees since XXXX : {$140.00} Currently still overdrawn, ad of XX/XX/2022
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

Fraud Activity on my Wells Fargo Debit Card, Now my account is negative XXXX. 

These are all unauthorized and i have no idea how this happened. 

Never had a problem with Wells Fargo before, my card was used without my permission Transactions going to XXXX and ATM WITHDRAWALS., Fraud Deposit into my account as well
Consumer complaint received 2022-02-02
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: CAPITAL ONE FINANCIAL CORPORATION (AR)

On XX/XX/2021 there was four inquiry on my credit report from the companies listed : XXXXXXXX XXXX XXXX, Capital one auto finance ( finance ), XXXX XXXX ( finance ), XXXX XXXXXXXX XXXX that i do not recognize. I have dispute them with the companies and also XXXX, XXXX, and XXXX has verified and remove the inquiries from credit report but XXXX and XXXX will not remove them. Even though i have put a fraud alert on all 3 accounts.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-02
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. (GA)

Equifax is WELL AWARE that I am a victim of identity theft. It is obvious that this company is NOT concerned about violating my consumer rights by reporting incorrect information. The following accounts are not only frivolous and fraudulent accounts, but Equifax continues to IILLEGALLY report them as if the information is correct : 1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX, XXXX # # # # # # XXXX The following inquiries are also fraudulent, not authorized by me, and being reported. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
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: EQUIFAX, INC. (TX)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XX/XX/2022 I never authorized this inquiry XXXX XXXX XXXX XX/XX/2022 I never authorized this inquiry XXXX XXXX XXXX XXXX I never authorized this inquiry XXXX XXXX XXXX XXXX XXXX  I never authorized this inquiry XXXX XXXX XXXX XXXX  XX/XX/2022 I never authorized this inquiry XXXX  XXXX XXXX XXXX XXXX I never authorized this inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-03-08
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions I have not given anyone permission to buy, sell, share my personal credit information with anyone. I want these account deleted immediately. My right to privacy is being violated and the law has been provided to you.

Only my credit card was agreed to and my bill payment with experian boost
Consumer complaint received 2019-03-01
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. (VA)

My loan with XXXX XXXX XXXX for my XXXX  XXXX XXXX was paid in full on XX/XX/2018. I was sent the tittle and the congratulations letter from the company stating that it was paid in full and the account was settled. When I applied for another loan for a car I was advised that the car I paid off was showing on my credit report as a repossession instead of paid off as it should have been. I contacted the loan company, after telling me that my car was repossessed they saw that it was an error and they were sorry. i've been denied for 2 loans as an result of this being on my credit report, causing my score to drop considerably.
Consumer complaint received 2023-02-08
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)

In accordance with the Fair Credit Reporting act Convergent these accounts XXXX XXXX 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX has all 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 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NJ)

I transferred an amount of {$10000.00} on XX/XX/2023, and {$15000.00} to Wise Inc. on XX/XX/2023 through wire transfer from my bank account. These were already both deducted from my account the same day then Wise closed my account after receiving all these money on XX/XX/2023. I called in today XXXX XXXX ( XXXX ) and they said they didn't know why my account was closed and they would get back to me after 30 days for them just to perform some review without guarantee that my money will be returned. 

I want this resolved as early as possible as those are for my child 's medication ; hence, the transfer.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. I demand an immediate deletion and appropriate remedies as per the law. The following items should be deleted as they are fraud in my credit file : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : - ; XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX. ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance : {$940.00} ; XXXX XXXX XXXX ( XXXX XXXX  ) XXXX Balance : {$680.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$740.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : {$480.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AP XXXX XXXX XXXX XXXXXXXX XXXX : {$630.00} ; XXXX XXXX Balance : {$880.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IN)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, requesting the investigation, verification and deletion of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These items were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following items : items : XXXX  XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, must be deleted to reflect accurate information on my Credit File.
Consumer complaint received 2023-03-08
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. (TN)

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Consumer complaint received 2022-02-03
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. (NY)

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EQUIFAX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 


XXXX XXXX XXXX