davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$6400.00}.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I used XXXX to transfer {$290.00} to a beauty salon, after getting home and inspecting my hair, I was not satisfied and attempted to get a refund or have my hair fixed thru the salon to no avail. Sometime around XX/XX/XXXX I had exhausted all avenues to fix this issue with the salon, I then filed a complaint thru Wells Fargo thinking that they could help me. On XX/XX/XXXX WF issued a temporary credit while they investigated the claim. WF ended up denying my claim. On XX/XX/XXXX they took back the provisional credit. Then, on XX/XX/XXXX WF took the {$290.00} out AGAIN! The same transaction number is attached and everything. WF basically told me 'too bad, contact XXXX ', which I have also done. No one seems to want to own up to the mistake and make it right. All I want is my money back, please help! 



XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX   XXXX Visa Direct AZ XXXX CARD XXXX {$290.00} XX/XX/XXXX CARD PROVISIONAL CREDIT XXXX {$290.00} XX/XX/XXXX CARD REVERSAL OF CREDIT XXXX {$290.00} XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX*VISA MONEY TRANSFER Visa Direct AZ XXXX CARD XXXX {$290.00}
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (NY)

Good day. i was going through my credit report when i noticed an unauthorized inquiry on my report, according to FCRA Fair credit reporting act, Legally this unverified and Unauthorized items must be removed or deleted from my credit report.
Consumer complaint received 2024-02-27
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. (TX)

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.

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 2023-03-20
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX, and again on XX/XX/XXXX, a fraudulent charge in the amount of {$99.00} was posted to my account. After noticing these transactions and calling the institution, a temporary credit was issued while they continued to investigate. In mid-XXXX, I received notice that the temporary credit would be reversed, as these were determined not to be fraudulent. In a call placed to the institution on XX/XX/XXXX, reasons provided for the reversal were : ( 1 ) relatively low dollar amount / no attempt to drain the account and ( 2 ) repeated pattern of transactions. However, they failed to find suspicious the fact that {$100.00} is the minimum limit to set for account alerts. Moreover, when I questioned as to the shipping address on the invoices from the merchant for both of these transactions, the institution indicated it had not obtained said invoices. The institution used presumptive evidence rather than evidence specific to this case in making its decision. During this call on XX/XX/XXXX, I also indicated my desire to have this case re-opened for investigation, and the customer service representative stated that I would be receiving an email confirmation of that shortly. Now on XX/XX/XXXX, I have still not received an email.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I am writing to submit a complaint in reference to the following information that XXXX XXXX XXXX XXXX supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to XXXX accounts ( XXXX open XX/XX/XXXX & XXXX opened XXXX XXXX ) Prior to the Pandemic I had an Impeccable Payment history XXXX credit score, I value being a financially responsible client. However, during Covid-19 I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID -19crisis. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 
Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-10
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. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Consumer complaint received 2018-12-27
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: Experian Information Solutions Inc. (NV)

Please remove the inquiries listed below as they are not familiar to me and I did not authorize them. The inquiries are damaging to my credit and score. Please Remove these items from my report ASAP. 

XXXX XXXX XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX  XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX   XXXX XXXX-Inquiry from XX/XX/2018 XXXX XXXX-Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX XXXX XXXX  XXXX-Inquiry from XX/XX/2018 Experian XXXX XXXX  XXXX- Inquiry from XX/XX/2018 XXXX-Inquiry from XX/XX/2018 XXXX  XXXX XXXX- Inquiry from XX/XX/2018 XXXX  XXXX XXXX  XXXX-Inquiry from XX/XX/2018 XX/XX/2018
Consumer complaint received 2024-02-08
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. (PA)

I am writing to delete the following information in my file. The items I need to be 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 Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-20
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: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/XXXX I received a letter from the XXXX loan servicing center. The letter states that they received my complaints, but this is the first correspondence that I have received from SECU regarding the issue. The letter states that signatures on promissory notes match the signature on the license. The also state that public records show a change of address from XX/XX/XXXX. The did not provide copies of the promissory notes or license. The advised that I have a SECU account which is inaccurate. When my identity was stolen, the person who stole my identity also stole my license. The same person signed the promissory notes replicating the signature on the license. SECU also did not provide copies of the documents that they claim to have.
Consumer complaint received 2019-01-03
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 — Investigation took more than 30 days
Company: Colony Brands, Inc. (AR)

XXXX XXXX IS FALSELY REPRTING INCORRECTLY, THIS ACCOUNT WAS INVALID AND BELONGS TO DECEASED AND WAS DISCHARGED DELETE THIS ACCCOUNT FROM ALL BUREAUS OR BE SUED.
Consumer complaint received 2019-01-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX IS FALSELY REPRTING INCORRECTLY, THIS ACCOUNT WAS INVALID AND BELONGS TO DECEASED AND WAS DISCHARGED DELETE THIS ACCCOUNT FROM ALL BUREAUS OR BE SUED.
Consumer complaint received 2019-01-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

XXXX XXXX IS FALSELY REPRTING INCORRECTLY, THIS ACCOUNT WAS INVALID AND BELONGS TO DECEASED AND WAS DISCHARGED DELETE THIS ACCCOUNT FROM ALL BUREAUS OR BE SUED.
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (CA)

I sent a dispute for inaccuracies in my report, they reporting late payments on accounts named XXXX and XXXX XXXX. They removed one of the lates. However this is inaccuracies and against the law to be reporting what is considered an exclusion in the transaction, the lates.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is reporting Lates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX they are incorrect. I asked for verification, but they have not provided information and keep reporting it on my credit reports.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (TX)

Working with Loan Depot on a refinance since application on XX/XX/2019. Was told I could shop for title company of my choosing. On XX/XX/2019 I notified my loan officer that I would be using XXXX XXXX and provided the branch managers contact information. On XX/XX/2019 I was given a loan estimate showing their providers title fee estimate in section C, when I asked about why they didn't have the correct title fees, we had been provided a fee sheet from title some weeks earlier, I was told it was because they hadn't gotten everything back from Title yet. I found out on XX/XX/2019 through the title company ( XXXX XXXX ) that they in fact had never been contacted by Loan Depot until after business hours on XX/XX/2019. I was then issued a closing disclosure on XX/XX/2019 to find out not only are they not disclosing the title company of my choice, they had in fact ordered title from their chosen service provider and disclosed it in Section B as an item I can not shop for. Being an industry professional, I reached out to them and said this is an issue, it's a TRID violation and not only was I told I was wrong, I was given an untruthful account of TRID compliance and told that the lender could choose whichever title company they wish. Now because of this my closing will be pushed even further, because they never ordered title from the correct title company after it has already taken 45 days to get to closing on a simple refinance.
Consumer complaint received 2021-07-20
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. (NJ)

A mortgage I co-owned with my daughter at XXXX XXXX  was paid off. XXXX by mistake reported a new mortgage under may name. As a result, my FICO score dropped 30 points in XX/XX/2021 After XXXX was notified about the mistake, they deleted the information but the score remains low and unchanged. 

My numerous attempts with Experian to understand the issue and correct it were unsuccessful. Experian claims it is the algorithm that is never wrong and there is no human intervention and no one can share or do anything about it. Suggested I hire an independent credit consultant.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OK)

I have a Delta Skymiles AMEX account. On XX/XX/XXXX I went to upgrade my Delta Skymiles Gold to a Delta Skymiles Platinum. AMEX sent the incorrect link and opened a AMEX platinum instead. When I received the wrong card in the mail, AMEX admitted their mistake, canceled the card, and removed the credit pull from the Credit Bureau Report. 

I went to apply for a AMEX platinum in XX/XX/XXXX and was told I couldnt receive any bonus offers since I had technically had the card before- despite the fact it was AMEXs error. I called again in XX/XX/XXXX and XX/XX/XXXX and was told they admitted the whole thing was their error but couldnt technically give me a bonus since it was a computer issue. On XX/XX/XXXX, I was told on the phone that a supervisor could manually audit my spending and give me a lesser bonus- but wouldnt give me any documentation that i was guaranteed to receive the points. Plus it was a lesser bonus than the 60,000 points for {$5000.00} spending. I messaged again on XXXX XX/XX/XXXX and was told again it was their fault but the customer service agent couldnt do anything.
Consumer complaint received 2024-02-08
Product: Credit reporting 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)

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Experian, XXXX and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. I have included XXXX privacy policy which clearly states XXXX does not share to NON AFFILIATES. Experian, XXXX and XXXX XXXX are NON AFFILIATES.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am the owner of a cash / investment account # XXXX at XXXX XXXX XXXX have been for over 10 years. Six weeks ago I was erroneously advised that I could not transfer from or to this account from any of my other accounts. After the restriction was removed I am still unable to transfer to or from this account to my other accounts on line as I was before the restricting was applied, as XXXX  advertises you can & evidently as all their clients can. XXXX XXXX, my Premium Elite Relationship Manager, has been telling me for six weeks he is  working the problem but obviously he is getting nowhere and there is no indication he has made or is making any progress.
Consumer complaint received 2024-02-08
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. (NC)

The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 

XXXX. Account Name : XXXX XXXXL Account number : XXXX Date opened : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I signed up for Experian credit report in XX/XX/XXXX and paid the XXXX $ trial fee. I then on XX/XX/XXXX canceled my account. However, though it shows account is closed on the Experian dashboard and I have an email showing this, I was charged XX/XX/XXXX for another monthly fee of XXXX $ Due to this I was also overdrafted from my bank and charged a XXXX $ overdraft fee. 

I have tried to call all of their numbers and can not connect to anyone to dispute this or ensure the account is closed. I would like to report Experian for Fraud on my account of charging me this monthly fee after having closed the account over a month ago.