davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-31
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have been living at XXXX XXXX XXXX. XXXX, XXXX, VA for the last 11 years the previous addresses on my credit report I no longer live at these places. I also have been working at one job for the last 7 years and that is XXXX. All I want to show on my credit report is my Home for the last 11 years and my job for the last 7 years. I have been doing everything in my power to work on my credit for the better and I feel that this information on my report is misleading.
Consumer complaint received 2023-02-08
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: Bread Financial Holdings, Inc. (CA)

I had called Comenity bank on XX/XX/XXXX, about a fraud on my card. Comenity bank had cancelled card due to fraud. A few months later I noticed that I had a balance with Comenity bank for a card I did not have possession of. I called on XX/XX/XXXX. Let the girl know that I did not have any cards in my possession from comenity bank. She stated " No you don't '' she transferred me to fraud dept. Let them know of situation they will take care of it. ( sorry, I did not get names ). 
So as of today XXXX XXXX, XXXX I still have that card on my credit report and no help from the credit bureau with filling a fraud. Also I have a police report that I filled out. Case # XXXX.
Consumer complaint received 2024-01-31
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. (MI)

I've had student loans in the past but they're reporting to my credit report and I know that they are invading my privacy per violation of the Educational And Privacy Act and The Family Educational Rights and Privacy Act of 1974 XXXX XXXX XXXX XXXX ( G ) XXXX XXXX XXXX XXXX XXXX XXXX ( A )
Consumer complaint received 2024-01-31
Product: Credit 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: ALLIANT CREDIT UNION (OR)

I made two purchases that in hindsight were both likely XXXX scam websites. One from XXXX, and one from XXXX XXXX XXXX XXXXXXXX has failed to provide timely chargebacks on these fraudulent activities, leaving me footing the bill thus far for {$2000.00}. 

The XXXX  purchase ( {$31.00} ) was made on XX/XX/XXXX after seeing a XXXX ad linking to that site, and I disputed this transaction on XX/XX/XXXX when I finally received the item that shipped directly from XXXX, and it was markedly different from the product description ( details of this are described within my chargeback message ). The website is now recognized as a malware/scam site, because trying to navigate to it throws the error shown in Appendix 1 below. There is no way I can safely contact the vendor given that web browsers now prevent navigation due to known malware risks discovered only a few days after I made my purchase. 

The XXXX purchase ( {$1900.00} ) is much more concerning due to the large cost. This purchase was made on XX/XX/XXXX, and a dispute filed on XX/XX/XXXX, two days after the last day my item should have shipped, as well as after the 3 communication attempts I made to ask about order shipment status and eventually order cancellation went unanswered by the vendor. Since that date ( at least as of XX/XX/XXXX when I last checked ), XXXX has removed the vendor from their website, as XXXX no longer exists. They must have determined it to be a scam. 

I have ample evidence in both cases that I was scammed through seemingly legitimate sources ( a XXXX ad and a XXXX-hosted storefront ). However, Alliant has not only been dragging their feet in providing this money back to me as I am still required to pay for these charges, they are not communicating over their messaging system or through phone calls to me regarding status updates on these disputes. I have no idea what the status is of these chargebacks, particularly the {$1900.00} one, and I don't want to have to pay for being scammed. This is a VISA card, and VISA 's policy is as follows : " If it relates to fraudulent use of your card, you are protected by our Zero Liability Policy. If you can't get a refund from the seller, you should make a chargeback claim within 120 days of purchase. '' Appendix 1 : XXXX XXXX XXXXXXXX Page blocked by Threat Protection Weve detected malicious code on this web page and blocked it for your security. We do not recommend visiting this page as it may harm your device.

Threat detected : Malware This website has been identified as a malware site. Malware infects your computer and can include viruses, worms, spyware and trojan horses
Consumer complaint received 2023-02-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CA)

I have been a customer with Wells Fargo since about XXXX, having a personal checking as well as a savings account with them. 
around XXXX I was talked into opening business accounts with them. it's not that I was young at the time, but I was not savvy as to why that would benefit me. the young fellow working at the bank spun it to sound like it was needed. 
the XXXX new accounts, a business checking and business savings accounts have monthly charges of {$30.00}. I have never received any account protection, or special services for these fees. in fact, as memory serves, I have paid overdraft fees on more than a few instances while having these accounts. so what is the purpose of having my money in an account I am paying monthly fees for if I am not receiving any benefits?? 

I feel as if I were conned by this bank employee into a situation where the bank is making money of their customer, me. 

the reason I am here, writing this report is that their current class action situation has come to my attention I do intend to close the XXXX business accounts and return to my XXXX personal accounts as I am not benefitting from these business accounts and I am in fact paying for ultimately nothing
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (NC)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$750.00}.
Consumer complaint received 2021-10-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation (TX)

The company is straight up harassing me. I had already received a letter that they turned me over to a collections agency. Then they call me at work, on my cell phone. They even showed up at my house to drop off a letter. I understand the phone calls on my cell phone. But calling my job and also showing up at my house is where I draw the line. That has pushed it past where it needs to be
Consumer complaint received 2021-03-23
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: Mercedes Benz Financial Services (FL)

I have made every attempt to have this situation corrected and remediated with credit disputes to the three bureaus -XXXX XXXX XXXX XXXX and XXXX to no avail. I have contacted Mercedes Benz and they were of no help. They advised me that they do not get involved in credit disputes and that all their credit reporting is done automatically. They suggested I dispute the item with the credit bureaus that they would not dispute the update. 

I have 100 % payment history on all three bureaus XXXX XXXX XXXX XXXX XXXX XXXX  and Mercedes Benz reported me late or over 30 days on my XX/XX/2019 file with the XXXX agencies. This has made my credit payment history 99 % and less than perfect.
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX 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 2024-01-31
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. (MD)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (GA)

XXXX XXXX is furnishing deceptive information to XXXX XXXX Equifax. The account is reporting inaccurately and this information is damaging my consumer report and hindering me from getting credit. XXXX and Equifax does not have my written or expressed consent to report my private financial information XXXX XXXX.
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (CT)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 XXXXXXXX
Consumer complaint received 2022-10-27
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: VEROS CREDIT, LLC. (CA)

I am truly a victim here. 

XXXX collection XXXX XXXX XXXX Veros credit And over XXXX inquires This is stopping me from getting my home. 

I never had any of the above accounts. I spoke to the bureaus and the evidence they sending me is insufficient, without my signature I didnt approve nor apply for any of the above accounts
Consumer complaint received 2023-02-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

Comenity bank has been calling me from unknown numbers 7 times a day throughout this week since my payment became late on XX/XX/2023. I asked them to not call me excessively and that late into the evening, and they stated that they are allowed to call as many times as they want as long as its between XXXX and XXXX and insisted on that when I repeatedly asked to not be called excessively as it feels like harassment. I have missed calls for job interviews due to avoiding the phone because of their excessive calling from unknown and random numbers. They do not even verify that Im the right person when they call, just ask for my first name and go straight to demanding payment. I told them that I would pay the bill as soon as Im able on my next pay day, but they were at that point still insisting that they would call as much as they wanted to. They only relented and said they would stop when I said I would seek legal help with this is they did not stop. The amount owed is less than {$100.00}, I should not have to deal with days of harassment and rude phone calls when I am already agreeing to pay the debt as soon as Im able and kindly requested not to be contacted excessively.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-05-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

XXXX and is {$1500.00} for a XXXX XXXX XXXX. Service received XX/XX/XXXX I had two forms of insurance at the time of service : XXXX XXXX and XXXX. For the past two years, Id been caught in between both medical providers for the service I received. When the smoke settled and I thought Id received my last bill, I got an alert on my credit report that on XX/XX/XXXX, I had an account go into collections for this same service. After researching it thoroughly with both my insurance providers, I learned that neither one was presented with the opportunity to pay this bill. 

I was pretty shocked that while Im trying very hard to build my credit back, I could be negatively affected by this type of surprise billing practice ; thinking this is a federally regulated practice to protect people. This doesnt seem to be the fault of CACI XXXX from what I can ascertain, but that the medical provider billing department didnt send it to insurance ; just you all. I ask that you all remove this collections from my credit report and allow my insurance companies a chance to pay what they owe first, then come to me with the balance.
Consumer complaint received 2023-03-06
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. (MI)

In XXXX of 2022, I applied for a small credit union loan at my personal credit union and was told that the amount of approximately {$40000.00} of another unknown persons STUDENT LOAN was showing up on the TRANS UNION report. I am a XXXX XXXX  age XXXX and have only had one student loan for {$1500.00} PAID OFF IN FULL over 40 years ago. I was denied the loan based on the debt to income ratio. This fraud was disputed previously and removed and was placed back ion in XXXX of 2022. Additionally, I have discovered that 15USC 1861b it is a violation to report anything on the credit report without written consent this is identity theft. furthermore there was no consent. I want this code to be applied immediately to this dispute. Thank you for your prompt attention.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

While checking my credit report I noticed accounts and inquiries that were on my account that I did not authorize. I filed a report with XXXX and submitted information to all three bureaus discussing what is wrong on my report and what I needed taken off. It is unlawful to punish people for acts that they did not commit. I would like for these items to be removed from my account. 

Collections : XXXX - Balance {$3900.00}, Account # XXXX XXXX XXXX - Balance {$950.00} Account # XXXX Inquiry : XXXX XXXX XXXX. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date XX/XX/2023 XXXX. Inquiry Date XX/XX/2023 XXXX XXXX XXXX. Inquiry Date XX/XX/2023