davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (GA)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-08
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: EQUIFAX, INC. (KS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2023-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I purchased a laptop charger on XXXX and it became defective shortly after purchase, heating up, not charging, heating up my computer, black goop leaking out of the electrical connection. I requested a refund from seller on XXXX who continued to insist to send a replacement. The seller removed the listing right after I requested a refund. 
XXXX blocked the refund and said it was too late although it wasn't. It was the last day to request. 

I contacted Capital One who received my complaint. They removed the entire credit charge for two items on that date rather than the discussed amount of just this one item. 
They then sent a letter stating the seller disputed. It was the other seller. 
They then charged me the amount back on my card for both purchases. 
Again, I contacted Capital One on the phone ( they refuse to allow written messages ). 
They sent me an encrypted email to upload all communication with seller and photos. 
I uploaded multiple times and site kept crashing. I finally succeeded to upload all documentation including screenshot of site issue. 

I received a letter yesterday XX/XX/23 that Capital One has decided that I should work with the seller and refused to honor that XXXX approximate refund for defective product. 

Capital One is charging 28.75 % interest rates. I am reporting them to AG office as well. 
They are not abiding by their credit card agreement.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

There is incorrect personal information on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
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. (NV)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXX XXXX.
Consumer complaint received 2024-02-06
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. (LA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (AK)

Early morning of XX/XX/2024 I got three emails from Chime stating I had opened an account and the phone number was changed. I did not open an account. 

Later that day I called customer support to get the account closed but they stated it does not exist despite the fact I was getting emails from the ( verified by the company ) official email. I had an account number as well. Im still trying to get it closed.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CO)

Sometime in XXXX or early XX/XX/XXXX the tenants in my apartment community received notice of an awards program for paying rent. The complex is named XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX. I sent an e-mail to the leasing office stating I was not interested in the awards program. I received a XXXX XXXX issued by former bank through the mail. I was encouraged to activate the card which I did not do. Myself and other tenants had the XXXX XXXX activated voluntarily or involuntarily. Paying rent for XX/XX/XXXX I could not pay through my online checking account. I had to pay through the XXXX portal. I received an invoice for a XXXX XXXX payment. Upon receiving the invoice Wells Fargo was contacted. The representative understood the situation and deactivated the XXXX XXXX. A police report was filed and the first card activated in my name was given to law enforcement. When I went to pay my rent XX/XX/XXXX the rent was already paid. XXXX rent payments were made in XX/XX/XXXX. All rent payments have been made by personal check since XX/XX/XXXX. Another XXXX XXXX was activated in my name but was not sent to me. The first card and second card had the same account number except for the last XXXX digits which are different. XXXX XXXX for the apartment community is activating cards by fraudulent means. I do not have a problem paying XX/XX/XXXX rent. The XXXX card is on my credit report and I want it removed. Will not pay any penalties or late fees on the XXXX invoice received in XX/XX/XXXX. To everyone who has taken the time to read this report thank you.
Consumer complaint received 2023-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (IL)

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 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 listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name XXXX XXXXXXXX - {$1500.00} XXXX XXXX {$3300.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2021-09-20
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2023-02-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I am requesting the following items should be remove asap. Please provide the documentation of the verifying process. 
The items are not correct and are causing me financial distress because of their derogatory information. The items are as follows : ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX  # XXXXDisputed before yet still remains XXXX XXXX, XXXX # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX  XXXXDisputed before yet still remains XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX acct # XXXXDisputed before yet still remains XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains XXXX XXXX XXXX ACCT # XXXXDisputed before yet still remains XXXX XXXX XXXX XXXX XXXX XXXXXXXXDisputed before yet still remains
Consumer complaint received 2023-06-22
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. (TX)

XXXX XXXX XXXX DECLINED A HOME EQUITY LOAN BECAUSE, XXXX XXXX XXXX INSISTS ON REPORTING DEROGATORY REMARKS ON MY CREDIT REPORT. I SPOKE TO XXXX XXXX XXXX When I had COVID XXXX AND INFORMED THEM I MISSED A PAYMENT. I ASKED THAT THEY NOT SHOW ME 30 DAYS LATE DUE TO XXXX XXXX. I WAS TOLD SINCE I HAD COVID AND CALLED IN THAT TGEY WOULD NOT REPORT IT TO THE BUREAUS. THEY INTENTIONALLY REPORTED IT TO INSURE TO DRIVE MY FICO SCORE INTO THE GROUND AND PREVENT A HOME EQUITY LOAN. FICO IS ALSO TO BLAME FOR THIS BY HIDING CREDIT SCORE FROM THE CONSUMER. IF THERE WAS ONLY ONE SCORE THERE WOULD BE NO DECEPTION.
Consumer complaint received 2022-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (CA)

I have sent letters to this debt collector and they are attempting to collect on a debt not authorized by an original agreement. They have not produced any agreement that shows that I owe a debt yet they are continuing to collect on a debt, fees, interest, and costs not authorized by an an original agreement. They have also threatened me with legal action that they can not actually take and I feel very harassed. Additionally, they have failed reported inaccurate information to my credit report including, but not limited to failing to update the credit bureaus to state consumer disputes. I am requesting that your office please investigate this matter I am a XXXX citizen and this is causing me a lot of anxiety spending all of these countless hours trying to fix the mistakes of this company tying to collect on a debt that a contract does not even exist for. I am requesting that none of the companies listed contact me by telephone and communicate with my authorized representative only.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 : XXXXXXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXXXXXX XXXX  Account number:XXXX has violated my rights. Or 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 2023-02-10
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. (OH)

XXXX XXXX XX/XX/XXXX payment history wrong XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XX/XX/XXXX payment history wrong for all 3 credit bureau XXXX XXXX XXXXXXXX XX/XX/XXXX payment history wrong for all 3 credit bureau
Consumer complaint received 2023-02-10
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 I was notified creditor-XXXX XXXX report 30 day late in XX/XX/XXXX to credit bureaus. I contacted XXXX to get this resolved for several days from XXXX XX/XX/XXXX and submitted a dispute to XXXX on XXXX and to Experian on XX/XX/XXXX. 

It is very difficult to speak with someone at XXXX on the mgmt team, resolutions team and the US corporate office. I have only spoken with customer service located in XXXX. I have sent several emails to resolutions team however there is no ph # to speak with a human. 


My acct was paid several months ahead periodically, the account has never been late. 

I received an email from resolutions on XX/XX/XXXX indicating the correction would be submitted to the bureaus XXXX. 

XXXX I emailed XXXX XXXX XXXX XXXX get a status on the correction. 
I then contacted XXXX and was advised a XXXX Representative, XXXX, verified the accuracy of the late pmt on the account on XXXX. I completed a conference call with XXXXXXXX Customer Relations XXXX and XXXX Customer Service XXXX XXXX XXXX indicated that he would contact a supv and get back with me. XXXX has indicated that the creditor has the ability to update the account electronically and update on their end same day. 

Experian never showed the XXXX account as reporting, however XXXX rec 'd notification on XX/XX/XXXX the acct reported late in XXXX. Experian has not received any correction request from XXXX XXXX XXXX Resolutions Dept responded back indicating that the correction was submitted on XXXX. I responded back indicating the conversation that I had yesterday with XXXX and XXXX Customer Service Rep and that I need to speak with a supervisor. I called XXXX and there is no other ph # than the one that transfers you to a Customer Service Rep in XXXX who can not assist with this matter. This is not acceptable to have a US based company however can only speak with CSR in XXXX and unable to speak with anyone with authority to resolve the issue. 

Experian is showing my dispute still in process This has caused my credit scores to drop significantly and causing stress and financial hardship. Also, I did not give this creditor authorization to report this account nor transaction history to my consumer report based on USC 15 1681, USC 15 1666b
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

bank of America Prepaid credit card. this account is 7 years old and was paid in full. please remove from credit profile. the information is incorrect original balance of card was {$200.00} and paid upfront. please provide original contract to verify information. if you do not have the original contract please remove from credit history has this account has already been settled. or i will sue for damages that this causing me financially.
Consumer complaint received 2023-03-28
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. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-10
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. (MD)

Inaccurate reporting on all 3 bureaus also fraudulent reporting demand account deletion and block XXXX Show no reporting Equifax shows reporting on time payments XXXX Show no reporting Demand account deletion on Equifax and blocked
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MO)

First they removed my current payment method and added a checking account that was closed in XXXX, that we never added to our auto loan account that we got in XXXX. We went through a month of not being able to make payments to find out what happened. they said the payment method from the closed bank account was added by my husband in XXXX, we never added that method to our auto loan, yet they still did. Our account was locked and we had to contact the fraud department to have it unlocked and they made us create a new user name and password ( do not understand why we needed a new username? ) and now we try to login to make a payment this month and we are getting an error saying we need to re-enroll to online banking again! Why do we need to sign up for so many different accounts for XXXX auto loan? Also the customer service asks for you full social security number for verification which is very unsafe, I though they could only ask for your last XXXX digits? 

Online access is currently unavailable To access your accounts online please try again later or re-enroll for online access : Online Banking customers, please visit XXXXXXXX and select Sign Up at the top of the page, or call XXXX Online Brokerage customers, please visit XXXX and select Sign Up, or call XXXX