davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

On XX/XX/2018, I recevied a letter from XXXX XXXX, showing that my account with them was paid in full. XXXX XXXX, the Assistant Manager for Customer Service Department of XXXX sent the letter to my email. 

However, on the Equifax Credit Reporting System, XXXX continues to show that I have a late pay, ( which I don't ), and they show me 30-45 days delinquent although I have made past payments on time and paid the balance off completely. 

Each day this stays on my credit report, the days delinquent increase. I have contacted them and discussed the situation with them, it continues to remain on my report. This also has an impace on my credit score, causing it to drop. 

Equifax has also locked me out of my account but I can not get assistance with this over the phone with Equifax. The lock out is due to me perhaps answering one of my security questions incorrectly. So at this point I can not get in to see the details of my Equifax Report. The reps at Equifax do not speak clearly on the phone therefore it's difficult to get anything resolved. This dispute continues to go on and on eventhough I have paid this account in full.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction or removal of the erroneous information about my account has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reported on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2022, AT XXXX, I became aware of, and immediately reported to Chase Bank XXXX a {$1800.00} unauthorized XXXX payment to a XXXX XXXX with the email address XXXX. 

I did not authorize the {$1800.00} XXXX payment to XXXX XXXX nor did I input XXXX XXXX into XXXX as a payment recipient. 

i have never furnished my Chase Bank account USERID or password to anyone and I have not been the victims of a scam in which their USERID or password has been compromised. 

On XX/XX/2022, I initiated a claim # XXXX with the Chase Bank claims Department. On XX/XX/2022, I called the Chase claims department and was told the claim for the return of the unauthorized {$1800.00} XXXX payment was denied because the claims department " XXXX '' found no flags or triggers indicating fraud. 

A review of the JPMorgan Chase & Co XXXX XXXX XXXX profile clearly shows that Chase Bank is aware of thousands of Chase Bank customers complaints about rampant fraud on the Chase Bank XXXX platform. Chase Bank routinely denies account holders request for refunds for unauthorized XXXX transactions and blames the account holders for being responsible for the fraud. Chase Bank appears to have made a business decision not to comply with the requirements of 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) relating to unauthorized XXXX transactions.
Consumer complaint received 2022-10-18
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Consumer complaint received 2022-05-04
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. (GA)

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

This company showed up on my credit. I went through a very hard time, few of my family members passed away in a very short time of each other. And I lost my job. I fell behind on some of my bills. I did however keep every bill/bill collection I got. I looked through and I never received anything from midland credit. I tried to dispute this on credit bureau sites stating they didnt send me proof I owe the debt, not did they send me my right to dispute. 

I want all the documentation they have on this debt, that they own the debt and I owe the, the money stated. I also believe the balance is way off. The statue of limitations has expired on this debt as well.
Consumer complaint received 2022-06-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (IL)

COMPLAINT RE : SYNCHRONY BANK This is a complaint against Synchrony Internet Bank for holding onto account funds for an excessive amount of time ( two weeks ) in a high-yield saving account after request to close the account. 

On XX/XX/XXXX, I opened an account with Synchrony Bank and deposited {$270000.00} ( XXXX XXXX XXXX  XXXX XXXX dollars ). 

On XX/XX/XXXX, I attempted to close the account through Synchrony 's website and re-wire ( via ACH ) to my originating bank. This option was not available. 

On XX/XX/XXXX, I called Synchrony Bank 's customer service representative and was told I was not allowed to wire more than {$100000.00} and must wait a week before wiring another {$100000.00}. The representative agreed to overnight a check to me. 

After six phone calls and excuses made about an " internal bank mistake, '' the funds were finally wired to my account on XX/XX/XXXX, two weeks after my request.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

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.

has violated my rights. Or a 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 2022-06-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX 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 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

All of these accounts listed are all fraudulent account showing on my equifax credit report the creditor agreed to remove these fraudulent accounts but equifax fails to remove the accounts which is causing me financial hardship and breaking credit consumer law. 

XXXX XXXXXXXX {$3100.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$38000.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-04
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2019-11-17
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: Bread Financial Holdings, Inc. (AR)

XXXX  XXXX  WAS DELETED BY XXXX  XX/XX/2012 IN ERROR, FILE NO.XXXX, SEE ATTACHED.
Consumer complaint received 2022-05-04
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-05-04
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. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-12-14
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: Experian Information Solutions Inc. (OK)

I have recently discovered that Experian Credit Bureau is not reporting my credit score to any new creditors nor am I able to see my credit score from Experian. I checked the other two credit bureau 's and all of my creditors appear on their system and my score is available. Experian had my score and information in XX/XX/2020 verified in my paperwork on a refinance of our home. I contacted Experian several times and have spoken with their specialist ; they indicated that my file has been lost. I have contacted all of my creditors and they verified that they report my credit history to all three companies. One of my creditors a Major Bank stated that Experian is not attaching my file that they send to Experian to their system that's associated to my personal information. 

Experian is not doing anything to correct this issue but they have a major impact on my financial needs. Two of my bank creditors and my mortgage company have sent documents to Experian requesting them to populate my current credit history associated to my SSN # file. As of XX/XX/2020 there is no change to my situation.
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX 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 2022-10-18
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. (CA)

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 15USC 1681. 

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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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. 1681 s-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 2022-05-04
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)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, DEPTEDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXBalance Owed : {$0.00}, XXXX XXXX Balance Owed : {$18000.00}
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CT)

I was referred to a tax professional by Wells Fargo rep whom replied to prior CFPB complaint regarding a reported amount of {$5100.00} for tax year 2020, this amount was not received from Wells Fargo as detailed in numerous prior CFPB complaints to date. Tax professional advised Wells Fargo needs to correct reporting information to show no payment received or IRS will collect taxes on payment regardless if received or not... I've attached 1099 form showing amount reported, needs to be corrected to show no such amount received. As explained numerous times prior and again here, payment was supposedly sent via XXXX, no signature required, to my old address in XX/XX/2020 after I moved in XXXX of 2020. Payment sent to address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX, I currently reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX was intercepted, cashed by a third party, no funds received.. IRS reporting information needs to be corrected to show no funds received, if not, they are liable for tax penalties I may incur. I attempted to resolve matter with a XXXX XXXX, manager with Wells Fargo executive office, offered three options to resolve including reissuing check in amount of {$5100.00}, correcting IRS reporting to show no payment received, or offer a settlement amount including missing payment to cover damages for unauthorized accounts ... None of the options were chosen, matter remains unresolved.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2022-05-04
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)

I would like to dispute certain information in my file which I believe is possibly Identity theft.This account was opened fraudulently therefore I am a victim of identity theft. The accountwas opened without my knowledge, consent, or authority. I have no idea how the theft tookplace, nor do I have knowledge of the suspects. I did not receive any money, goods, orservices as a result of the identity theft. This is a strict violation of FCRA Section 605b.The 3 Credit Bureaus needs to remove the account from my file. 

XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (VA)

XXXX XXXX credit card by XXXX XXXX  charged me a late fee despite receiving a payment each month that I had the credit card. Each payment was made at the beginning of the month and for amounts far exceeding the minimum payment due. In XX/XX/2018, despite receiving a payment of {$2000.00} at the beginning of the month, I received a bill saying that I owed the minimum payment again by the end of the month. I communicated with the company that I had already paid over that amount and was basically told that I had to pay it again because they had applied my previous payment to the previous billing cycle. I did not have the money to pay the bill again as I had already paid it that month so I paid the bill as I always do at the beginning of the following month and I was charged a late fee. So basically I was charged a late fee for not paying my bill twice in one month. My attempts to get them to realize their error have fallen on deaf ears. I feel like this company is abusing the system.
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

On XXXX I ordered a motorcycle accessory from XXXX XXXX, a company in XXXX. The payment was through Pay Pal. I have never received the merchandise and I get a run around from Pay Pal. 
Order # XXXX Pay Pal transaction # XXXX Merchant transaction # XXXX When I try to contact the merchant, I get a request to buy the same product again.