davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2024 my XXXX XXXX XXXX XXXX was kidnapped, and robbed at XXXX point. The assailants beat him until he gave his pin number. He did not authorize or make these transactions.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The facts : I applied for a form of credit through a Matress company. I was approved for around {$4000.00} then I decided to shop around further for the best deal for me. I found another vendor with better pricing so I informed them of my approval with XXXX and they said they accepted them and could move my approval to them. The owner attempted to move the original approval. A code was sent to my phone to verify my identity and he said it had been done. He called and talked to the company on the phone in front of me as thats what needed to happen and they went through the process with him so he did his part. Then I get the lease information and an email saying I had a certain amount of credit left and that I could make an additional purchase. The credit was way less than my original approval so I chatted with XXXX  customer service and the lady stated she was a supervisor and attempted to disconnect because she said I was rude. I was direct and professional. She stayed on and continued to not help but tell me company policy and would not escalate my concern to management. I told her I wanted to undo everything and return the product and she said that it would report as repossessed property on my credit report. I still have the mattress and have until XX/XX/2020 to exercise my 90 day payoff and Im waiting until that time to complete the payoff as thats the full 90 days. Its being reported on my credit report for some huge amount thats not the original purchase amount of XXXX plus tax. They need to be fined and reprimanded for the service they are providing. They also did a second pull on my credit report, it was a soft pull but I did not authorize a second pull period. So at what point does a company take responsibility and follow set standards and regulations and hold their employees accountable for not doing their job correctly. I want a positive resolution for both parties and want to be treated with respect and to be heard. I disputed this and Im guessing since they are a partner vendor with Experian they didnt make XXXX change anything. Because the item was updated the only change was to show my good payment history for the next month.
Consumer complaint received 2023-01-16
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)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

NOTE : THIS IS NOT A COMPLAINT, BUT TO APPRECIATE American Express Bank. 

I want to show here my appreciation to the Amex team for their kind attention to my complaint. I am very proud of them and so I want to use this medium to publicly express that. This is the stuff that make customers become brand loyalists. 
I will hereby start here to spread the goodwill by word of mouth. 

Last week I sent in a complaint about my cards with Amex. Within a day or two later, in another routine attempt, I was finally able to upgrade those cards. This made me very happy. I do not even know whether or not the concerned Amex team had received this complaint before the cards became 'upgradable ' but I can feel that they care about my experience with their brand. I therefore feel very satisfied that Amex see me as a worthy customer. To the Amex Rewards team, " Thank you! '' and " Happy holidays! '' PS : The only other issue is the problem with the credit limit on my main Rewards card. This had not been fixed. I want my account and credit limit terms to be better. I used to have a card that adjusts to my spending and has no set limits, until an error from my XXXX or XXXX  report which had since been corrected but these bureaus. I want them to investigate this occurrence and if they need any documents from me, I can produce them. Amex should be able to trust me more as I have been a good customer. The circumstances of this incident is very sad and I am not happy about it because I did not do anything wrong to deserve that. 
The responsible lending team was not thorough in their assessment. They arrived too quickly to their decision and refuse to walk back on it when they found that it was an error, despite the various ways I tried to inform them and by examples with the credit bureau record of that issue. 
The same company whose payment delay system created this problem last year had since doubled my credit limit. They would not have done that if I was a bad user of the account or a credit risk. So, it is disheartening to experience this from Amex 's end of the equation. 
I hope that the team will look into this matter again and isolate the issues that created it and consequently reinstate the spending limit criterion on this card as well as double the credit limit on it along with the others. That way I can put the negative impact of this experience behind me. 

Thank you.
Consumer complaint received 2019-11-20
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)

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/2019
Consumer complaint received 2022-09-16
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. (CA)

My credit report showing XXXX and XX/XX/2021 i was 30 days late with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX was victim of XXXX  XXXX while I was involve and helping other people overseas. i was hospitalize for 2 months. I called XXXX about the payment, they put me hold for an hour, next few days later i called again no one answer my call and transfer me from here and there. finally i send the payment but i was late. After i saw a negative report on my credit bureau report, i talk to XXXX credit service and they have no sense of people affected from XXXX XXXX and get late of payments. I would like to ask if you can investigate and help me to resolve the issue. i was in the hospital so i could not make the payment on time, finally i paid off the account.
Consumer complaint received 2021-11-11
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. (OH)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft :
Consumer complaint received 2019-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Synovus Bank (CA)

I have a credit card by the name of XXXX. The website XXXX is serviced by XXXX and the card is issued by Synovus Bank. The website is not working and I need to make a payment. If you have issues with their website, they provide the following number : XXXX. The number on the back of the credit card is : XXXX. 
I attempted to call both numbers on XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19. The options are pay your credit card by pressing 1. There are no other options ; however their website says to speak with a friendly representative call : XXXX. I do not want to pay my credit card over the phone because I am afraid that they have had a breach or have been hacked. How do I know that the number provided does not give my personal information to an unauthorized user? I have never had an issue logging on to make a payment to their website. 
Time is of the essence because my payment is due XX/XX/19. Do I take the chance that my money will not go to them and I may expose my bank information? Finally, on one attempt I was able to login the website ; however when I clicked the 'account information ' page it says our website is unavailable, and again to call one of the numbers above to speak with a representative. There is no option to speak with a representative and when you hit the " 0 '' button on the telephone or any other button for that matter, the numbers hang up on you. 
These are clear violations and I know because I am a data privacy attorney. If I am not able to pay my bill or a breach has occurred exposing my information, things are not going to go well for the above parties. 
I tried calling Synovus since they service the card to see if they had any information. Apparently, they do not know their own vendors. These are deceptive practices.
Consumer complaint received 2022-09-16
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. (NC)

So I talked to several reps at Experian, XXXX, XXXX Sent multiple letters off on ( XX/XX/XXXX XXXX, XX/XX/XXXX ). Here is my USPS tracking numbers ( XXXX ) for all letters. To remove personal information that I dont want on my credit report because it is inaccurate and not mine. I believe that they have mixed or merged my information with someone else. This is very worrisome for me, because identity theft is a very big concern in today 's times, and I do not want to fall victim to it. The Rep informed me to contact my creditors and to submit a letter to them with my correct information. I contacted my creditors and they all have my updated personal info. After submitting my letter via Certified Mail, they still refuse to remove some of the information that is not accurate or mine. The letters were received by their company. I would really appreciate it if my information could be updated to the only name and address that I currently have. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2019-12-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NM)

I sent XXXX $ over Zelle to my housemate for rent on XX/XX/19. I sent it to the correct phone number and my housemate received a text that the money was available but was not given the option to accept or decline the money they simply said it was in her account. She uses an online bank called XXXX for her account and money never showed up in it. Today XX/XX/19 I sent her XXXX $ over Zelle to see if we could figure out where the money had gone but the same thing happened. When I call Zelle they transfer me to XXXX and when I call XXXX they transfer me to Zelle. I can not pay my rent without getting the money back. Zelle and XXXX say they can not help me because the money was " accepted ''. My housemate has not received any of the money in her back account.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NJ)

My name is XXXX XXXX, my wells fargo Acc no are XXXX, I have around XXXX XXXX + in my Wells Fargo checking account, but there fraud prevention team first stopped my online access and then blocked my account for sometime and then i called them so after verification they reopened my account, and they did this same for 3, 4 time, then finally they decided to close my bank account, as a XXXXXXXX XXXX, for me visiting branch is not possible, so they people are holding my balance, I want you to please transfer my balance to my bank account before I XXXX, so I can utilize it. 
This is an utter nonsense banking where bankers and fraud prevention team do not understand the helpless of a human being, if someone is about to XXXX and you are harrasing him for your security excuse, My only last hope is this platform, I have faith in consumer financial protection bureau, I hope i get my funds transfer to my other bank account before I XXXX. 

Yours Truly XXXX XXXX
Consumer complaint received 2021-11-11
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. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. XXXX feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 
Edited
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (FL)

I closed my chime account. A balance of {$1500.00} remains. They will only send me a check to my old address and not allow me to update my address. The check is then returned to chime " do not forward is on the envolope ''. So i can not have my money!
Consumer complaint received 2022-01-20
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NY)

This debt collector, using the name XXXX, has called my place of work on numerous occasions after being told that I do not consent to him calling me at this number. The debt is not even in my name, it belongs to my boyfriend XXXX XXXX. When I told him not to call my job anymore, he told me that he is aware of the law and that he does not need my permission to call.
Consumer complaint received 2022-09-03
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. (CA)

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/21 I started receiving notices from other merchants that my card was declining prescheduled monthly charges. Upon inquiry with XXXX Bank on XX/XX/21 I was told that the card was frozen because of non-payment on the balance. The next due payment date was XX/XX/21. I have an excellent credit rating, have had typical balances of {$3200.00}
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have made several attempts to dispute the accounts on my file and I still have not had them removed. There are also inquiries that are unknown. I would like for these accounts to be removed according to the FCRA- unauthorized items must be removed.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC (GA)

I tried several times to make auto payments with my debit card but they quit taking debit cards for auto. Then when I tried to put routing and account number in for auto payment it took it and then kicked it out.! 
It has caused 2 late payments and Im asking those be removed
Consumer complaint received 2023-01-16
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: LEXISNEXIS (IL)

This is my other endeavor 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 alleged fraud or extortion. Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-16
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. (NJ)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax / XXXX / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I believe it was reporting in error.
Consumer complaint received 2022-10-03
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. (TX)

I saw XXXX XXXX XXXX Hard Inquiry on my report on XX/XX/2022. 

I didn't apply and/or authorized anyone to use my credentials.