davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (NV)

In XX/XX/2022 XXXX XXXX was seeking Rental options. Her current lease at that time was expiring in XXXX XXXX XXXX. Using the XXXX market app as her primary resource. Like many social media apps, her new searches generated the XXXX for additional renal postings. Allowing her to be targeted by potential scam listings. 
After a few inquiries she was contacted via email. The owner of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX by the name XXXX. XXXX XXXX. They corresponded and agreed to a lease. Copies were sent via email. The owner was unavailable to show the house. The lease sippulated she was to send a deposit via XXXX XXXX  The lease stipulated the deposit was required to obtain the keys. The deposit funds were fully refundable should the leaser feel the home was not to her liking. 
Using caution, she inquired additional information from her bank before initiating the XXXX XXXX XXXX  The app is generated through Wells Fargo. Both Wells Fargo and XXXX company have anti fraud protection clauses on their websites. 
The money was funded using her debit card to fund the XXXX XXXX XXXX She sent the funds on the same day. Confirmed by reference number XXXX A week later she still had not received the keys or the requested paper lease documents. A search on the provided XXXX XXXX tracking number revealed the package slip was generated and paid. But not sent per customer request. It had become apparent she was the victim of a fraudulent offer. 
She filed a complaint/ dispute with Wells Fargo XXXX Claim number XXXX On XX/XX/2022 she received a denial letter from Wells Fargo claims dept. The investigator stated Wells Fargo is unable to track or refund any XXXX XXXX transactions. Full disregard for Wells Fargo anti fraud policy. Nor would she take accountability for the case as a debit card transaction. 
She received the same reposes when attempting to contact XXXX customer service directly. 
A complaint was filed through the FBI for cyber crime violations. Currently under review
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (IL)

I had tried numerous times, to resolve my dispute to no avail. American Express has failed to protect me, as a consumer, who filed a dispute against XXXX XXXX for failing to provide the service or product promised. I received both damaged merchandise and incorrect/incomplete installation of product and American Express failed to protect me as a consumer as outlined extensively in their advertisements. The furnace also does not correctly work in the winter because aside from being damaged, incorrectly installed, the unit was also incorrectly wired I went out of my way to use the AMEX card to ensure I was protected as a consumer and they failed to live up to their responsibility. They did nothing to complete a thorough investigation and I spoke with numerous people and kept refiling the same dispute that kept getting routinely closed without explanation. American Express made it very clear they were more interested in pleasing the merchant ( who they do a lot of business with ) than protecting me as a consumer. I filed a complaint with the Illinois Attorney general who also found that XXXX XXXX failed to respond. The company also stiffed me on replacing panels and fixing problems that American Express let happen. American Express has also made their dispute process incredibly hard and consumers can not see the process or speak to an actual caseworker which puts consumers who have been ripped off at a tremendous disadvantage in reclaiming funds. American Express makes it clear that they care more about merchants than consumers who have been ripped off. 



Amount : {$4600.00} Dispute Reference Number : XXXX Dispute Reference Number : XXXX
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (TX)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-30
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. (GA)

Transunion and XXXX is falsely reporting a bankruptcy on my credit report and they have put the data furnisher being the US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  and XXXX. I have attached a letter from the US Bankruptcy Court verifying that they do not provide this information to the credit reporting agency nor do they verify or validate this information and I also have a letter from XXXX XXXX having removed the bankruptcy from my credit report.
Consumer complaint received 2022-10-30
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. (GA)

Transunion and XXXX is falsely reporting a bankruptcy on my credit report and they have put the data furnisher being the US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX. I have attached a letter from the US Bankruptcy Court verifying that they do not provide this information to the credit reporting agency nor do they verify or validate this information and I also have a letter from XXXX XXXX having removed the bankruptcy from my credit report.
Consumer complaint received 2022-02-16
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. (KY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-16
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. (AZ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: PRIMARY RESIDENTIAL MORTGAGE (TN)

Requested my mortgage be put back on my credit report via email on XXXX, XXXX, XXXX and received a response from XXXX in Customer Relations that my account information was forwarded for review. No further action taken. 

Called XXXX got voice mail and left a message with ticket # XXXX. 
Called them XXXX and was told they had the ticket and someone was working it. No date of when it would be added back on credit report. 
Called them XXXX and requested the ticket and it was placed. Ticket # XXXX. Called them XXXX and asked them to add to credit reports. Just given excuses. 

If the payment was late, they would report it. 
They took my XXXX Payment and I have my XXXX Mortgage Statement. 
Please get them to put it on my credit report because not having it there is detrimental to my credit score!
Consumer complaint received 2018-08-07
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. (CA)

XXXX XXXX XXXX has failed to respond to my cfpb complaint XX/XX/2018. I have yet to receive a response from the cfpb or XXXX XXXX in regards to this matter. XXXX XXXX failed to complete an accurate investigation within 30 days and report back to you and I accordingly. Both postings totaling XXXX in bad debt posted to all credit reports should be removed immediately. XXXX XXXX failed to adhere to the collection standards as defined by the FCRA.
Consumer complaint received 2022-10-30
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. (TX)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : INQUIRY - XX/XX/2022
Consumer complaint received 2022-02-16
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-02-16
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Financial Credit Network Inc (CA)

I'm a XXXX  XXXX and I was asked to do a background check for a company I deliver to and in my background check shows I have 2 criminal records. It shows they were in XXXX XXXX, but i've never had a criminal record anywhere. I've always lived in XXXX and XXXX XXXX County. I'm trying to remove them from my background report but don't know what else to do. I need this to clear as soon as possible or I may loose my job because of this. I've been working for XXXX XXXX XXXX in XXXX, CA since 2010 and the new route I got is requesting me to this background, but I can not deliver to them because of the Criminal reports in the report. I have attached the Criminal Report I received from XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-01-04
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. (GA)

I reached out to XXXX about my account at the beginning of XXXX of 2020 to settle my debt in the amount of $ XXXX.I was advised by the representative my account was sold to a collection agency called XXXX XXXX XXXX XXXX I proceeded to call and email XXXX XXXX to settle my debt, however, my emails went unanswered and the number listed on the website and provided by XXXX just continuously rang. I was finally able to get a representative on the phone on XXXX XXXX and that representative then informed me that account was then sold to another collection agency XXXX XXXXXXXX XXXX. That same day, I called XXXX XXXX XXXX  to settle my account, which I did for less than the amount that was owed and advised by the representative the status of the will be updated with the credit bureaus within 14-30 days. My issue is after I received my settlement letter it states. " XXXX XXXX XXXX XXXX XXXX is in receipt of your payment ( s ) and they have been applied to your account. The above referenced account has been considered paid-in-full with a balance of {$0.00}. Contact the following credit report agencies and send them a copy of this notice according to their instructions. 
XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX Experian : XXXX WWW.EXPERIAN.COM ''. I have done this action and each credit reporting agency has come back and says that the debt is valid and still derogatory and owed. I have done my due diligence to pay the debt, and I expect the correct information to be reported on my credit reports.
Consumer complaint received 2022-02-16
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)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-16
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. (IL)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Peter Roberts & Associates, Inc. (MA)

on XXXX, 2022, Peter Robert associates ( agency ) reported a debt collection in my Credit report, but I never had a contract with them. the original creditor was XXXX XXXX. and they violated my rights selling my account without my consent. I never received any information about that. I am requesting that this debt collection be removed from my report.
Consumer complaint received 2022-10-30
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. (MN)

On XX/XX/2022, I mailed a dispute to EXPERIAN XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I informed them that they were reporting inaccurate information in my file. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This item is inaccurate because the Payment History, The Date Last Active, and The Account Status are wrong, I am requesting this item be removed from my file immediately. 

I also supplied supporting documentation.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (TX)

Below is a copy of the letter mailed to this trustee 3 weeks ago. 

SYNCB/PPC\XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2024 Effective immediately and indefinitely, per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 U.S. Code 6802. 


Respectfully Without Prejudice, XXXX : XXXX XXXX
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (FL)

Regardless of the multiple written requests, the ITEMS listed below are 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 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XX/XX/2022.
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (TX)

When I performed a name search on the Internet, I learned that some of my personal data was being used without my consent. As a result, I filed a complaint. My information was collected by an aggregator website, which instructed me to contact around nine different websites in order to have it removed after checking the website 's FAQ section first. In addition to feeling violated since I value my privacy, having to ask to have my possessions taken made me feel ashamed. My report contains unapproved fraudulent accounts, and I would like such accounts to be terminated and fixed. Take away all inaccurate and negative accounts from my credit report. My capacity to get credit has been harmed by this. I'm making every effort.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (GA)

While looking at my credit reports I have noticed my " XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) has a discrepancy in the " Date of Last Activity '' section of the listing. XXXX is reporting a date of XXXX. '' Equifax is reporting " Date of Last Activity '' as XXXX and XXXX is XXXX a date of " XX/XX/XXXX. " XXXX XXXX '' XXXX is reporting * {$13000.00} XXXX * {$0.00} and Equifax XXXX. " PAYMENT STATUS '' XXXX is reporting LATE 120 DAYS. XXXX is reporting CURRENT and Equifax is reporting LATE 120 DAYS. " LAST PAYMENT '' XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX " PAST DUE AMOUNT '' XXXX is reporting {$3000.00} XXXX is reporting {$0.00} and Equifax is reporting {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX