davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
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. (AZ)

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX # XXXX Certified Mail # XXXX XXXX, Arizona XXXX XXXX XXXX SSN : XXXX Equifax Consumer Solutions XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 Re : Unauthorized Hard Inquiries Dear Equifax : The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report and discovered some inquiries that I have no knowledge of. 
Because I did not apply for credit with XXXX, XXXX XXXX XXXX and XXXX, I have also reached out asking that they remove the inquiry from my credit profile.
Consumer complaint received 2022-09-25
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. (AZ)

XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX # XXXX Certified Mail # XXXX XXXX, Arizona XXXX XXXX XXXX SSN : XXXX Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XX/XX/2022 Re : Unauthorized Hard Inquiries Dear Experian : The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report on experian.com and discovered some inquiries that I have no knowledge of. 
Because I did not apply for credit with ( XXXX XXXX XXXX, CERTIFIED CREDIT REPORT, XXXX XXXX XXXX and US SMALL BUS ADMIN ), I have also reached out asking that they remove the inquiry from my credit profile.
Consumer complaint received 2022-09-25
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. (PA)

When I went to the Car dealership they said they were only going to pull XXXX and now I have multiple different inquires. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-09
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX  Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 2020-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I need to know by which methods they used to verify that that was my bankruptcy? If they used a 3rd party to " verify '' the erroneous bankruptcy, which 3rd party company was it i.e. XXXX. 

If they used XXXX, as the lettet from XXXX stated, " They couldn't very that the bankruptcy belonged to me, so we removed it '' Also the credit bureaus saying " We verified it was your bankruptcy ... because we said so '', isn't proof. 

Until the 3 credit bureaus provide attachments in response of either a certified letter from the bankruptcy clerk or a letter from a 3rd party i.e. XXXX, then you have no credibility. 

I provided my proof via XXXX attachment to the complaint, where is your attachment credit bureau? 

The only way for this credit bureau to be lawful, CFPB, is to threaten them with fines! 

The fact that despite XXXX removed the bankruptcy because they could verify beyond the shadow of doubt, and the credit bureaus still refuse to do so, is because they do not care about the integrity and accuracy of my credit report, and they also do so because they make a profit over my erroneously low credit score!
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (ID)

I was contacted by someone claiming to be from the Wells Fargo fraud department. She attempted to verify some transactions that were not mine. I was sent a text code, also from the normal Wells Fargo number i get the 2 factor authentication from. I gave her the code. I believe she then was able to login to my account. She asked for my XXXX secure token id for some reason. I gave it to her but then immediately realized something wasn't right. I hung up the phone and called Wells Fargo immediately. While i was calling i got a notification that a wire went through. They told me on the phone that she wired money to XXXX XXXX XXXX XXXX and i didn't understand why they couldn't ' call them immediately and say 'do n't let this money leave '. They ( wells fargo ), did not seem in a hurry to do anything. They reset my username and pw for online access and told me i needed to go into the bank and close the account and open a new one, which i did the very next day. They have now denied my claim saying i'm responsible for all wires on my account regardless of whether i authorized them or not. This is crazy. I was also told in the bank that i would get the money back and now i'm told i want. This is absolute fraud, i did not authorize this wire and I was scammed.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (AR)

Received collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( aka XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX. XXXX dated XX/XX/XXXX stating that I was responsible for a medical debt of {$380.00} for a patient whom I have no knowledge of and with a medical group I was unfamiliar with. On at XXXX XXXX  CST XX/XX/XXXX I called XXXX and spoke to XXXX XXXX, disputing the debt. He indicated that the debt had been recalled the previous day and they were no longer attempting to collect. I asked to speak to a supervisor and was referred to XXXX XXXX who indicated the matter was no longer active and that they would update with credit bureaus. Suspecting fraud I asked for and was given a number for patient advocacy XXXX ( XXXX ) XXXX. No one answered. I received a recording and opted not to leave a call back number because I didnt want a collector on a bogus debt to have my phone number. 

I then received a letter from Capio Partners dated XX/XX/XXXX to collect the same bogus debt. Interestingly, the XXXX XXXX  and the Capio Partners letters showed the same return address of XXXX XXXX XXXX, XXXX, CA. XXXX. The correspondence from both also listed an address on XXXX XXXX in XXXX, TX. 

I sent Capio Partners a letter certified mail return receipt dated XX/XX/XXXX disputing the validity of the debt entirely and requesting written verification of the debt. 

In a letter dated XX/XX/XXXX Capio Partners send a copy of a purported medical bill from original creditor XXXX XXXX   XXXX XXXX, XXXX. The statement was addressed to an address I have never resided or been to in XXXX, GA. I have not been in or around XXXX in over 5 years. I have no friends, relatives, associates living there and not even aware of any acquaintances living there. This correspondence did include personal information that demonstrates that this debt has been fraudulently created through identity theft. 

I am actively disputing this debt with Capio Partners and credit bureaus and am exploring reporting this matter to local law enforcement, the FTC, and my state AG, as well as the AG of Georgia and Texas.
Consumer complaint received 2021-06-04
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. (CA)

There is one account on my credit report and this is not my account this does not belong to me I have not applied used or know what this is for I dont own anything like this nor have I!!! I need this taken care of ASAP. 

XXXX XXXX - ACCT # XXXX XXXX {$0.00}
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WA)

this is the 4th complaint that I come here to make against Wells Fargo. On the XXXX they want to close my account because I haven't paid the outstanding balance and I haven't paid because I don't agree with the abusive fees I've been suffering since last year. I want to pay my balance but I want the bank to be fair to me. in 5 days you will close my account and I am crying out for a solution by all possible means. I have been a customer since XXXX and I find this treatment absurd. I demand a solution to my problem. and it's no use leaving a message on my mailbox, I WANT Wells Fargo SOLUTION!!!
Consumer complaint received 2021-06-04
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: EQUIFAX, INC. (FL)

XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately. 


15 U.S. Code 1692g - Validation of debts U.S. Code ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; You Violated The United States Code Law 15 U.S. Code 1681b- Permissible Purpose 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible Purpose of Consumer Reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I never gave you any written consent to report anything on my consumer report no consent is Identity Theft. 


I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-02-19
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: U.S. BANCORP (AR)

THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND HAVE NO SIGNATURES ON FILE FOR ME XXXX XXXX XXXX  XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX AND US BANK.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (VA)

PNC Bank allowed a merchant XXXX XXXX XXXX to withdraw money from my closed debit card. A fraud alert was placed on this card due to a dispute with this merchant. The debit card was closed in XX/XX/XXXX and the merchant was able to still withdraw money using the closed debit card in XX/XX/XXXX. This transaction wasnt authorized neither was it a revolving payment and most importantly, the debit card was closed. PNC refuse to accept responsibility for their error and credit my account accordingly. Ive filed 3 disputes with PNC but of course they have denied all 3 leaving me hanging to deal with their mistake.
Consumer complaint received 2022-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (TX)

My wife passed away. I started letting her creditors know of her passing. I called Barclays and informed them that my wife had passed. I asked if the account could be transferred to my name. I was told no. The account had been delinquent. I offered to pay the account off in full if they would remove the derogatory from my credit. They would not even after I had been making monthly payments. I found out that I was on there as an authorized user. T/his is not my account and I want it removed from my credit.
Consumer complaint received 2022-03-27
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: EQUIFAX, INC. (GA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/2021 2. XXXX XXXX  XX/XX/2021 3. XXXX XXXX XXXX XX/XX/2021 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-04-20
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. (TX)

XXXX XXXX XXXX XXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over 7 years and should be removed You can see via the attachments that it was already reporting as charged off and then XXXX updated to reflect the same and increased the balance on a charged off loan.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

Online Discover account shows transaction activity as either pending transactions or posted transactions. When Discover moved one transaction from pending to posted they also left it in pending list so a single charge ( {$1000.00} ) shows both as pending and posted. I have spent over an hour on line chatting with customer service over 2 days but they won't fix this - clearly a system error. CS confirmed that there is only 1 charge not duplicate, but say they can not remove the pending and that I can't dispute it until it becomes posted. But it will never become posted because it already has been posted but not removed from pending list in error. Discover provides no way for me to address this beyond simple chat service who won't help solve the problem.
Consumer complaint received 2021-06-04
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: AFNI INC. (IL)

After I reviewed my most recent report I found an items that I have never applied for nor have any communication. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. Be aware that this is an attempt to a violation of the federal law under FDCPA 1692.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (AZ)

This is associated with cfpb report # XXXX whereby Mr. Cooper ' Home Rewards Credit Card 's account wouldn't credit my returned merchandise to the account balance. Each month I kept making principal payments, along with interest each month. All the payments were on Auto-Pay so that I wouldn't be concerned with missing a payment. 
After Mr. Cooper ' Home Rewards Credit Card received your report, my next statement showed a corrected remaining balance of {$26.00}. I believe in retaliation, the credit card company received a report showing this last payment as being over 30 days late, yet it was still on Auto-Pay. My credit rating dropped substantially. 
When you see the monthly payment scale for this company, you see flawless payments throughout it's history until the last payment of {$26.00} being over 30 days late. Remember, this last payment was on Auto-Pay also and I don't know how it can be over thirty days late. 
I disputed this to XXXX, but they ignored it.
Consumer complaint received 2021-06-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Home Loan Center, Inc. (NY)

Lending tree has been running my credit since XX/XX/2020 every month without my authorization. I need all the inquiries be remove from my report. And I am Requesting financial protection bureau to please Do so something for this company to put a stop to this company behavior. 
I am looking for credit score damage repair compensation.
Consumer complaint received 2022-09-25
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. (FL)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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 2022-04-25
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX- Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # XXXX, XXXX XXXX XXXX - Account # 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 also states consumer reporting agency can not furnish a account without my written instructions.