davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-03
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. (WA)

It's seems that, I'm getting unfair credit decisions based on info that's provided by EQUIFAX. I've worked hard to try and rebuild my credit, but it seems that they keep providing lenders with derogatory information.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022 I received a call from Wells Fargo bank ( XXXX ) XXXX saying they caught two suspicious purchases in XXXX, Az. I denied making the purchases and the representative was going to reissue a new card and reset our account. They told me to verify my identity they would send a code to be read back to them. The text came from a Wells Fargo number ( XXXX ). Debit card was reissued then we started the password reset. At that time I realized I was locked out of my account and the call was dropped. I called Wells Fargo back using the number in my card. The representative stated no claim had been filed on my behalf and a claim was filed then. After I regained access to my account after over an hour on the phone with Wells Fargo I found several digital wallet tapped purchases were made. All purchases/withdrawals were made on XX/XX/2022, I found that {$1000.00} was withdrawn from our savings at a Wells Fargo ATM in XXXX, Wa, multiple cash advances were requested from our credit card to our checking account ( those were never processed by WF ) and several purchases were made at XXXX in XXXX, Wa. Purchases as follows {$52.00}, {$1300.00} and {$2800.00}. Our claim for unauthorized ATM withdrawal was approved and the funds were returned. Our claim for unauthorized purchases made from XXXX were denied citing a PIN was used. Per Wells Fargo claim department a PIN was also used at the ATM, but that action was determined to be unauthorized. Also note the first attempted purchase of {$2800.00} was originally declined by Wells Fargo and an ATM withdrawal of a smaller amount was declined.
Consumer complaint received 2019-04-17
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: SYNCHRONY FINANCIAL (IL)

My credit report is showing two tradelines for SYNCB/TJMaxx. ( Please see pages 2 and 3 attached. ) One card is charged off in XX/XX/2018 with a balance/past due balance that is incorrect. I went to TJ Maxx one time, forgot my card and they looked me up in the system. The account was a {$0.00} balance so they opened up a new card for me in XX/XX/2018. Now the balances, past due amounts, status and dates of last activity are all incorrect. In addition, they are reporting a balance on the card that was charged off even though they have sent it to a third party collection agency. This is illegal. I believe that someone fraudulently used my card. I have contacted the bank and they can't give me any information. Please help me get this removed from my report and stop XXXX of Ohio from reporting a fraudulent collection on my report. I have included a copy of my credit report as well as the letter from XXXX.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (TX)

American Express declined my new application due to prior card cancellation of over 16 years ago. I went thru a personal bankruptcy in 2000 in which my Gold AmEx card was included. I was never late on the card prior to that event for 18 years. American Express will not look at current financial situation in order to approve a new account. I believe they are violating the Federal Equal Credit Opportunity Act by using the cancelled account excuse from 16 years ago.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-02
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. (CA)

The last date that the dispute results have came back was XX/XX/XXXX. I have requested again. I have started disputing since XXXX. 
my financial service that I used has confirmed this information multiple times and confirms the information on the credit report is incorrect. 
My car was totaled in the month of XXXX, after a payment was made. My car was collected since it was damaged also a day later. I havent had my car since XXXX, yet it shows a 30 day past due payment in XXXX. I have disputed multiple times and they have refused to investigate stating that the information is correct when it is not.
Consumer complaint received 2019-04-17
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: EQUIFAX, INC. (CA)

one XXXX XXXX account ( student loan ) has been reporting under my equifax credit file, which doesn't belong tome, i have never went to school here let alone getting a student loan nor i have been helping someone or authorized someone else in order to inquire this loan, please help me to have this inaccurate account removed from equifax credit reporting. they have been running me around and even the XXXX XXXX does not have this account under my name, please help me to have mistake through their end removed thank you
Consumer complaint received 2021-09-05
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. (IA)

To Whom It May Concern May I please request your assistance in resolving a matter regarding a Hard Inquiry on all three of my personal credit reports that is fraudulent activity not requested by me. The company is known as : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH,XXXX This is for a charge card this inquiry is scheduled to continue on record until XX/XX/XXXX. My personal statement on all three credit reports clearly states that I am a victim of identity theft and that I am to be personally contacted before any credit report is pulled. Furthermore I have a credit freeze on all three credit bureaus. I never initiated any inquiry of any kind for a credit card
Consumer complaint received 2022-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

I spoke with this company back in XXXX, I told them to send me proof that I owe this company. pursuant 15 USC 1692c ( b ) I never gave the company written permission to communicate with me concerning alleged debt. I.C. systems has placed this account on my credit report without notifying me about the proof of alleged debt, and have disregarded what the proof of alleged debt that I asked for. When they contacted me by phone at my work place. I.C.SYSTEMS continues to run my credit report without my permission, they have stolen my identity and they are selling securities using my name which is fraud under 18 usc 1348 selling securities and commodities. This XXXX  company is in bankruptcy and I am still a customer with this company. I am aware of the certificate of indebtedness which XXXX  and i.c systems uses assets on the trading market also they filed a 1099 c with the irs for all debts. yet failed to provide me with that 1099 c copy. I expect i.c.systems to be removed from all three of the credit reports immediately, and I also expect for XXXX  to stop stealing my information and giving it to these companies because I know that they are in bankruptcy and it is illegal what they are doing. I am still a customer with this company. I have paid a deposit to be with the company BACK IN XXXX and now with the second attempt to collect a debt that I do not owe they steal my information to make money by selling my securities. My name is copyrighted and I do not appreciate them stealing from me. I will be contacting the sec. exchange and comptroller because this is out of hand. I am also aware that all debts are a obligation of the united states and that both companies have already been paid.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! 
Also its illegal to freeze a consumer account you have been put in notice
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (AL)

Ally Bank said they were closing the account on XX/XX/22 due to unauthorized activity totaling around {$160.00}. I know its not a lot of money but it shouldnt matter. I mean if its my account and I didnt make the transactions why am I at fault? The past two months Ive regretted ever having an account with them. I have read reviews online where they did the same thing to others but much worse. They closed their accounts and stole their money. I mean I just dont want that to happen to me. I would advise anyone thinking of opening an account with them to rethink their decision to do so.
Consumer complaint received 2021-03-20
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. (FL)

XXXX XXXX never gave me a loan for {$1000.00} as well as my checking account was linked for payday advance that is the same as my employer direct deposit. Account is not is collections and closed, incorrectly reported my account as delinquent on my credit. Please help Im being scammed.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (CA)

Experian sends regular non-account specific marketing emails and tries to pass them off as non-marketing emails. On the bottom of these emails they say you can not unsubscribe from them. 

" Why am I receiving this email? 
This is not a marketing emailyoure receiving this message to notify you of a recent change to your account. If youve unsubscribed from Experian XXXX XXXX emails in the past, dont worryyou no longer receive newsletters or special offers. 

You can update some alerts and communications preferences any time on your Experian XXXX XXXX profile, but youll continue to receive notifications like this one on the status of your account. '' A " recent change to your account '' can be : - a change in credit balance This is NOT a legitimate account specific update, and even if the company argues it is, then I should be able to unsubscribe from it.
Consumer complaint received 2020-04-03
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: EQUIFAX, INC. (NY)

To Whom It May Concern I am currently looking at my credit report XX/XX/2020 it says on XX/XX/2020 I applied or gave an approval for them to run a hard pull on my account. This information is inaccurate to my knowledge. I called XXXX  and gave them my social they said I did not apply for anything new. So I than asked what is this hard pull about they had said there shouldn't be one on my credit report. I did not open or authorize any new account or give my information out. So I believe this to be some type of fraud. The customer service rep told me to dispute with equifax directly. This way the hard pull comes off my account. 

I will post a picture of what Is coming up so that you guys can see it.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2022-06-02
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WAKEFIELD & ASSOCIATES, INC. (PA)

The Hospital has taken my information and without my consent has sent it to a collection agency who is calling me non stop and threatening me if I do not pay. This collection company has also sent wrong information to all 3 credit bureaus, affecting my credit score and my life.
Consumer complaint received 2022-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Used XXXX of my Capital One Credit Cards to purchase XXXX gift cards at XXXX XXXX in XXXX California, yet when using that purchased card ( and amount ) to load the value into my XXXX account it showed as no value on the card. I'm aware of, and received notice, of a class action settlement for using debit or credit cards at XXXX ( http : /XXXX/, XXXX v. XXXX XXXX XXXX XXXX and am concerned about both the initial issue, as well as XXXX 's response when I made them aware. I took the card, and receipt, back to the exact location it was purchased was asked to leave my name and number, and the clerk made a photo copy of all the documents and said someone would call the next day. The next day passed, and then the following day I followed up again, in person. Again, I was asked to provide my name and number, and they still didn't follow up are offer refund for a faulty product they offer. It's been several days beyond that point and still they have not follow up on their statements or promise. 
I've alerted Capital One of the issue, and am looking for resolution.
Consumer complaint received 2022-06-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Nothing under the Fair Credit Reporting Act require a furnisher to furnish negative information to any consumer reporting agencies. The term negative information means information concerning a consumer delinquencies late payments insolvency or and form of default. The term non-public personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer. Congress stated results from any transaction with the consumer so sharing non-public personal information to the consumer reporting agencies such as late payments you are in violation .Furnishing negative information is a violation of the consumer credit protection act. You are only furnishing this negative information because your company policies allow you to use unlawful extortionate means to coerce a consumer to make payments on extension of credit. No negative information should be furnished to a consumer credit report without their lawful authority. You are committing unlawful extortionate means such as furnishing nonpublic personal information i.e late payments charge off etc Credit acceptance you can get 20 years for violating 18 u.s.c. 894.Credit acceptance remove all late payments immediately
Consumer complaint received 2020-03-31
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)

all ftc violations XXXX XXXX {$13000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX co {$1200.00} XXXX XXXX XXXX {$490.00} XXXX {$10000.00} Pursuant to 16 C.F.R. 2.10 (  a ), Petitioner SLAC , Inc. ( SLAC ) petitions the Federal Trade Commission ( FTC ) to limit or quash the Civil Investigative Demand ( CID ) issued to SLAC on  XX/XX/XXXX, XXXX SLAC objects and seeks to quash and/or modify the CID as being improper and unenforceable because the CID seeks information that is irrelevant information beyond the scope of the FTCs investigation and is part of an unlawful, unauthorized investigation. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.
Consumer complaint received 2020-03-31
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: PNC Bank N.A. (FL)

PNC is such a fraudulent organization, they told me that me my account balance would be restored by XX/XX/20. They have hundreds of cases like mine where they have decided to temporarily credit the account while investigating the charges. 

They have advertised " zero fraud liability '' and have also advertised a temporary credit no later than 10 business days from the day that I disputed the charges. 

10 days have come and went, and my account balance states that I have {$15000.00} available to spend as of XX/XX/20, but they will not allow me to spend any of the money.
Consumer complaint received 2022-06-02
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 XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL 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
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION (KY)

Reports were made about incidents last the 7 year look back rule. I did not get the job I was seeking even though my record is clean for the last near ten years and information from almost ten years ago was released for a job paying less than XXXX XXXX a year.
Consumer complaint received 2022-06-02
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

someone had applied for a capital one account in my name and i did receive a phone call to find out if i submittted an credit application and i don't recall applying for a credit card and i was told that the inquiry should be removed
Consumer complaint received 2020-03-31
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)

I noticed that there is an account from XXXX XXXX XXXX XXXX on my Experian credit report ; The only reason this account was brought to my attention today XX/XX/20 is because I was trying to buy a car at XXXX and when they ran my credit to see if I qualified for the auto loan, I was told that I did not get approved de to this account reflecting badly on my credit. That account is not mine. I never opened it and I did not allow anyone to open it in my name. I do not have any type of contract or agreement with this company nor did I allow them to access my credit file. I did not benefit anything at all from this account. I have already filed a police report and got in contact with that company to make them aware that they are reporting inaccurate/fraudulent information on my credit report.