davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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.
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 — Account status incorrect
Company: EQUIFAX, INC. (NV)

Contrary to XXXX XXXX bank response IN CFPB XXXX regarding XXXX XXXX  and the transferring of XXXX XXXX it appears according to CFPB bank examiner documents that are attached : XXXX  IS REQUIRED TO REMEDY FOR THE FRAUD OF XXXX XXXX  and furthermore was required to receive substantive elements of the conversations between XXXX XXXX AND XXXX, XXXX REP at the time of transfer to XXXX. 

SEE ATTACHMENTS PG4 AND 5 OF CFPB DOCUMENT
Consumer complaint received 2021-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (GA)

I closed my Paypal account. They owe me XXXX and change, it has been over 8 months. I have waited for the refund check, which they claim to have sent 3 times. It has not come. No matter what I say, there are excuses, like the address was wrong ( which it wasn't ), anything. I'm tired of their excuses. How many seniors are they not refunding?
Consumer complaint received 2022-05-16
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. (GA)

These accounts do not belong to me XXXX XXXX XXXX $ XXXX dispute XXXX XXXX XXXX $ XXXX $ XXXX dispute XXXX XXXX XXXX  $ XXXX dispute XXXX XXXX {$270.00} /dispute
Consumer complaint received 2022-05-16
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: Santander Consumer USA Holdings Inc. (TX)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These accounts do not belong to me XXXX XXXX XXXX $ XXXX dispute XXXX XXXX XXXX $ XXXX $ XXXX dispute XXXX XXXX INT $ XXXX dispute XXXX XXXX {$270.00} /dispute
Consumer complaint received 2021-10-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

I made the XX/XX/2021 payment, in full, a day early. For some reason PNC 's systems, following the acquisition of XXXX, can not process this transaction. PNC is refusing to fix the problem or accurately reflect the payment. Worse, PNS is engaging in harassing debt collection practices to collect the payment I have already made. Thus, PNC is effectively attempting to double collect the payment due in XX/XX/2021.
Consumer complaint received 2022-03-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (TN)

I own two Wells Fargo lines of credit. In XX/XX/XXXX, Wells Fargo sent notices to customers of this product stating it would close zero balance accounts unless customers drew funds from their lines of credit by the end of XXXX. In order to keep my lines of credit open, I drew nominal amounts ( {$50.00} and {$65.00} respectively ) from these accounts. Now, I used to have an automatic payment set up for these accounts. Perhaps, due to dormancy, Wells Fargo deleted those automatic payment schedule. As a result, I received notices in XXXX stating I had late payments and fees of {$26.00} on each accounts. I immediately called Wells Fargo. After countless redirects, I spoke to someone who understood the issue supposedly and agreed to remove all late fees from my accounts. However, they failed to follow through and only removed one fee from account A. I paid the underlying balances on both accounts on XX/XX/XXXX, and continued to follow up with Wells Fargo regarding the promised removal of the late fees. 

During months of disputing these fees, Wells Fargo reiterated their mistake multiple times and their agreement to remove them. On XX/XX/XXXX, they finally removed the last fee from account A. However, they somehow failed to do the same on account B again! I emailed them immediately on XX/XX/XXXX yet again, and they apologized for the oversight, but it took until XX/XX/XXXX to remove the fee from the account B. 

In the meantime, despite the ongoing dispute over the fees that began in XXXX and my payment of the initial principal that was not in dispute, it appears Wells Fargo had been reporting my non-payment to all credit bureaus at least since XX/XX/XXXX. My score has tanked from XXXX to XXXX solely from their reporting on these two disputed {$26.00} fees. I discovered this issue only today, XX/XX/XXXX, when my credit union stated I was no longer in the preferred category for car loan rates. 

I have complained to Wells Fargo to ask them to reverse their reporting to the credit bureaus, but Im lodging this complaint because I no longer trust them to follow through and feel there needs to be a backstop on their accountability.
Consumer complaint received 2022-03-24
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: CCS Financial Services, Inc. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I applied a lease buyout auto loan from XXXX. When XXXX try to pull my credit. They unable to pull my credit score. Im been back and forward calling XXXX and equitably. Nothing can be done. Please help me out.
Consumer complaint received 2022-03-24
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account : 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
Consumer complaint received 2022-03-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$20000.00}, {$5600.00}, XXXX, {$0.00}, {$10000.00}, {$7700.00}, {$0.00}, {$4800.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$4100.00} -This is not my account. 

XXXX. XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$20000.00} -This is not my account. 

XXXX. XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$5600.00} -This is not my account. 









XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- PERSONAL LOANS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$10000.00} -This is not my account. 

XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$7700.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$0.00} -This is not my account. 




-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX SUNSET PL XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security XXXX, CFPB, FTC, Police Report. 




______________________________ ______________________________ XXXX XXXX DATE
Consumer complaint received 2022-05-13
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. I did not authorize the credit inquiry. 

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 2022-03-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (PA)

I made a purchase from a merchant for {$59.00} back in XXXX of XXXX, and I paid for the merchandise through Affirm, which is a lender whom pays the vendor where the merchandise came from. I had to make four ( 4 ) {$14.00} installments for the merchandise, which was charged to my credit card every two ( 2 ) week until the debt was satisfied. When I received the merchandise, it was defective and did not work. I sent the item back, but was never refunded by the merchant. I have tried to contact the merchant, but never got a response back. Affirm would not refund me for the {$59.00}, so the only recourse I has was to contact my credit card company to dispute all four ( 4 ) installments and was refunded by my credit card, however, I was notified by Affirm today, XX/XX/XXXX, that my loan in the amount of {$59.00} was charged-off ( due to the charge-backs from the credit card co ) and that I will be sent to a collections agency. I called Affirm today to explain the situation about receiving defective merchandise that I no longer have in my possession, and the man stated there would nothing they could do. He said the dent will be sent to a collections agency. This is a disgrace that I have to deal with this headache for less than {$60.00} and I have a very good credit score. I feel this should be refunded and not turned into a collections agency when this was an unfortunate situation that happened. Please help. This is totally ridiculous.
Consumer complaint received 2021-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I DIDN'T RECIEVE ANY RESPONSE HOWEVER, SOME OF THE ITEMS THAT I REPORTED WERE DELETED AND SOME WERE NOT. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was a victim of fraud and a victim of XXXX XXXXXXXX. I disputed the accounts that were nor mine several times and they left it on my account. Then they said if I paid off an account my score qould go up..i paid it off and it still shows open and unpaid. My score hasn't gone up. Then they suggested I open a secured credit card. I did and my score still hasn't gone up. I have a credit first card with a XXXX limit. I put XXXX on it paid XXXX off early and my score dropped again! I have never been late. I have contacted them several times and they do nothing and my score keeps dropping
Consumer complaint received 2023-07-18
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX 15 U.S.Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity Theft! l Please delete these items IMMEDIATELY! 


These accounts should not be fumished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. 1 NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT, IS IDENTITY THEFT. As a consumer, I am demanding the deletion of accounts listed IMMEDIATELY! 

I have attached my Identity Theft Report
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was a victim of fraud and a victim of XXXX XXXXXXXX. I disputed the accounts that were nor mine several times and they left it on my account. Then they said if I paid off an account my score qould go up..i paid it off and it still shows open and unpaid. My score hasn't gone up. Then they suggested I open a secured credit card. I did and my score still hasn't gone up. I have a credit first card with a XXXX limit. I put XXXX on it paid XXXX off early and my score dropped again! I have never been late. I have contacted them several times and they do nothing and my score keeps dropping
Consumer complaint received 2021-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (GA)

I currently have an American Express blue card since XXXXwhich I have maintained religiously. Last two months I received an email that a platinum card in my name is approved and issued and it will cost me more than {$500.00} yearly. Since I dont have that kind of money and didnt apply for this card, I immediately called American Express and asked them not to issue the card. They promised not to send the card and with no effect on my credit score, but the card came anyway and my credit score went down from XXXX to XXXX. When I called a second time to complain about the arrival of the card and the damage to my credit, I was told to disregard the card and no solution was offered to the damage to my credit. My question is, whos benefiting in opening this account and drastically affecting my credit.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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.
Consumer complaint received 2023-07-18
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX 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 XXXX XXXX
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN 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