davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-18
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. (GA)

I ordered a copy of my report in XXXX and XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. I sent a letter to the 3 credit bureaus on XX/XX/2022. As of XX/XX/2022, Equifax, XXXX, and XXXX have not responded to my dispute. This is my sixth attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any account which was opened without my knowledge, consent or authority. 
XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2017-08-14
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. (CA)

XXXX, transunion and XXXX have a negative report on my credit report which is fraudulent to XXXX XXXX XXXX XXXX by XXXX XXXX for {$370.00} .... not my address and my XXXX XXXX XXXX XXXX is up to date at my home address,,, they used my social security number to open the account XXXX XXXX account number is XXXX
Consumer complaint received 2022-07-18
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. (MS)

Regardless of the multiple written requests, the unverified public records, accounts and inaccurate information listed below are still reporting on my credit report in violation of federal law. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF THE WEST (CA)

Spoke with XXXX the Supervisor from the call center at Bank of The West XXXX XXXX An account was opened fraudulently and I need this taken care of. XXXX did not make me feel safe that this would be handled. He reiterated the importance of protecting the bank, but not me or my personal information that was stolen.
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MD)

XX/XX/22 Received written notification of attempt to collect debt from Transworld Systems INC on behalf of XXXX XXXX. This was mailed to my home address. 
To my knowledge, there were no outstanding charges on my account with XXXX XXXX XXXX XXXX I had not received any invoices or statements. 

XX/XX/22 Called per notice to dispute debt. Left voicemail. 

XX/XX/22 Called again, spoke with Customer Service representative XXXX. Requested documentation of debt so I could verify dates of service, payments made by myself & insurance company. 

XX/XX/22 ( dated XX/XX/22 ) Mailed letter of dispute of charges. Again requested documentation of debt. 

XX/XX/22 Called again because I had not received any response. Left message. 

XX/XX/22 Called XXXX XXXX XXXX XXXX XXXX ) billing department & left a message requesting documentation of dates of service, charges & payments. No response to date. 

XX/XX/22 Received a call from XXXX XXXX with TSI informing me that the account had been turned over to their Insurance Department for investigation. I asked to speak with investigator & was told that person would be able to see notes in system. 

XX/XX/22 Sent letter detailing my attempts to resolve issue & again requesting documentation so I could research the dates of service & charges. 

XX/XX/22 Filing complaint with CFPB. As of this date, I have not received anything other than the initial collection letter, despite repeated requests for documentation of the disputed debt. There has been no contact from TSI via phone or email regarding this disputed debt. 

It is impossible to research the claim of debt without a detailed list of dates of service & charges. I have no way to verify payments made by me or my insurance company.
Consumer complaint received 2016-12-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (GA)

Ordered a report for a loan app on XXXX XXXX, have been billed since for monthly tracking report. I cancelled by calling XXXX number, rep tried to talk me into keeping the service AND adding other security services. XXXX now claims they have no record of my call. Very convenient. I want a refund for all the months they have billed me.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

I have a chime account and on XX/XX/22 someone in a different state logged into my account and sent my money to a XXXX XXXX XXXX. I logged into my account XX/XX/22 and when I saw that my money was gone I instantly filled a dispute. The representative on the phone asked if I had any proof and I say on the phone with her and found email showing that my account was logged into 3 time on XX/XX/22 and only once by myself. The other 2 time were in two different states. I sent here screenshots of the emails and she let me know that it could take up to 3 days for me to receive my money. I received and email 2 hours stating that my request was denied due to no error occurring. The amount that was taken from me was {$650.00}.
Consumer complaint received 2022-11-05
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)

Unauthorized bank wire from my Wellsfargo Business account for {$24000.00} to a fraudulent account to a XXXX XXXX fraudulent name to a XXXX XXXX XXXX  account. 

Date of transaction : XX/XX/22 Filed claim XX/XX/22 with Wellsfargo Filed claim with FBI XX/XX/22 Claim with Wellsfargo denied XX/XX/22 and is doing nothing to assist me to recuperate my money.
Consumer complaint received 2022-07-18
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: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, per my accountant, I am required to include the charged off amount in my " income ''. I requested that XXXX XXXX  XXXX forward me a copy of the required 1099-C that should have been generated as a result of accounts ( # XXXX and XXXX ) being charged-off in XXXX. XXXX XXXX  XXXX  responded with what I take as a stall tactic, not acknowledging the request for the 1099-C, stating that the investigation has been completed. I was not given what is legally requested/required and no specifics regarding the investigation resolution were given as to how the resolution was determined. I am demanding that XXXX XXXX  XXXX, delete this account from the consumer report as well as forwarding the 1099-C to the address they have on file. 

On XX/XX/XXXX, I also requested that Wells Fargo Bank, provide me with the required ( per IRS rules on Canceled Debts ), 1099-C. Wells Fargo Bank Charged-Off account numbers XXXX and XXXX in XXXX. Wells Fargo Bank has not responded to my request. For both creditors, I agreed to pay the past due amount that would re establish my account into good standing, with no reply being given.
Consumer complaint received 2022-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (TX)

On this date company opened a collection Account # XXXX XXXX XXXX Balance- {$680.00} Account # XXXX XXXX  XXXX XXXX  Balance- {$450.00} Account # XXXX XXXX  Balance- {$600.00} Account XXXX XXXX Choice recovery Balance- {$600.00} Account # XXXX Choice recovery Balance- {$320.00} Account # XXXX Choice recovery Balance- {$320.00} Account # XXXX Choice recovery Balance- {$600.00} Account # XXXX Choice recovery Balance- {$600.00} I have never signed any written document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer I do not know who they are and have not written consent from my end Also they have not verified that owe this debt to this alleged company Please have this removed from Al three credit bureaus XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-07-18
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: EQUIFAX, INC. (NJ)

In Accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 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 2022-07-18
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. (MS)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX. Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4.00} XXXX  XXXX AUTO XXXX Balance : {$0.00}
Consumer complaint received 2022-07-17
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

JP MORGAN BANK CHASE BANK, NA Continues to report to this day to XXXX XXXX up till XX/XX/XXXX per XXXX  report dates XX/XX/XXXX for the XXXX  checking account ending in XXXX charge off closed XX/XX/XXXX with a balance of {$1800.00} that was reported to Chase as fraud on or about XX/XX/XXXX and XX/XX/XXXX due to fraudulent payday loans. Also the balance was discharged on XX/XX/XXXX bankruptcy case XXXX and should reflect a XXXX balance.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. Buyer requested to pay via XXXX. Requested my email & full name. Stated had sent the {$400.00} payment for the washer & dryer via Seller. Received email stating my account was not set up as a business account. XXXX requested buyer to stand as guarantor to my account be sending {$600.00} to help maximize my limit and upgrade my account limit. When buyer made additional payment then I received a confirmation email that the money was sent. Buyer requested I reimburse him {$600.00}. Buyer played on on my faith to gain my trust. Money sent to Seller account : XXXX with name XXXX XXXX. XXXX initially showed pending then buyer stated having issues with his account so requested I send to his co-workers XXXX account : XXXX with name XXXX XXXX. {$600.00} sent and transaction completed. Buyer stated received email from XXXX they had server error which caused double payment of {$600.00}. Requested I send another {$600.00} and they would credit my account {$1600.00} and then buyer would reimburse me {$1000.00}. Requested money be set to Seller account : XXXX with name XXXX XXXX. Buyer pressuring to hurry. Requested me to cancel payment and XXXX to XXXX account : XXXX XXXX XXXX 
Then revived call and email from Wells Fargo that my online accounts were locked and I couldn't access. Called Wells Fargo as soon as I got the call and email and learned of Seller scam Submitted fraud report with Wells Fargo All of this occurred Sunday XXXX. Wells Fargo Checking account transaction dated XXXX and posted XXXX
Consumer complaint received 2022-07-18
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. (TN)

I have been submitting multiple written appeals to Equifax regarding the fraudulent information being reported on my file. The last letter I sent to them was XX/XX/2022, with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized nor did I receive any benefits as a result of the theft of my Identity. This Complaint is to follow up on my Previous Complaint last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The account listed below is the result of such crime and must be deleted immediately : DPT EDXXXX-DEPARTMENT OF EDUCATION/XXXX XXXX
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (OH)

PayPal closed my account due to unauthorized account activity back in XXXX or XXXX after me filing several disputes due to this unauthorized account activity that I had no knowledge of nor did I authorize them. They completely blocked me from my account with no access to to nothing including my disputes and the bitcoin an euthcoin that I investmented in and bought through my account PayPal. XXXX it's XXXX and still nothing. I've tried
Consumer complaint received 2022-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Integrated Recovery Services (NC)

The total payment was {$1200.00} and it was split up into 6 payments of {$200.00} on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 I have already contacted my financial institution as this is an illegal attempt to collect a debt that already was paid.
Consumer complaint received 2022-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Foris DAX, Inc. (LA)

I have been having problems since XX/XX/20 due to some fraudulent transactions that I have been claiming and also with the returns of the merchants towards the card I have been claiming and to this is added a deposit made by an XXXX  device that has already released me the money but it is not reflected in my valance what and I also have the history that it shows me in the app and comparing it with a state that I asked them to send me by mail and it does not agree in the two histories there are differences in this regard and also They do not add up the total balance to reflect what I am missing. I have enough evidence that they are doing fraud to clients since I got into the forums and they complain about the same thing that they are not clear, the institution that manages is CRYPTO.COM and the bank that handles the card in XXXX XXXX XXXX  and I have called them and only what they do they transfer me to Crypo.com and apart from all this the rewars have taken them out of those transactions but it is very good that they have not returned the money from those transactions there is a lot of disagreement regarding accounts and balance
Consumer complaint received 2022-07-17
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. (FL)

To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX XXXX XXXX pulled my credit reports without my authorization on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I fully expect these to be removed from the XXXX main credit reporting agencies of XXXX, Equifax, and XXXX immediately. 

Your failure to act will be this matter being referred to the Attorney XXXX XXXX. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2022-07-17
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: EQUIFAX, INC. (TX)

There's a XXXX 's credit card on my account that was paid and closed on XXXX. However XXXX 's kept it open until XX/XX/XXXX to accumulate more fees despite the card to my knowledge been closed on XXXX. Now the card is showing on my credit report as a charge off on XX/XX/XXXX when this information is not accurate because the account was paid and closed on XX/XX/XXXX. I need the XXXX 's account to report the accurate closed date on my Equifax and XXXX credit report and to show as paid and closed because they where paid and closed on XX/XX/XXXX.