davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX and XX/XX/XXXX I sent payments of {$350.00} through XXXX to a tattoo artist as I was told by the artist the shop takes payment upfront since he was a guest artist. The artist never showed up to our appointment so I asked for a refund. He said the shop had my money and he would send it back when he had it, after 4 days of messaging him and hearing nothing I called the tattoo shop he was a guest artist at and they told me they do not require payment up front and it sounds like he scammed me, so they would reach out to him. Miraculously the artist then responded to my messages and admitted that he spent the money I sent him ( {$700.00} ) to fly down to Florida to visit the shop he was a guest artist at and he doesnt have enough money to pay me back. Almost daily since he canceled the appointment on XX/XX/XXXX I have tried to contact him to get my money back. I have also been in contact with the tattoo shop and they have been trying to contact the artist so I get my money back as well, however the artist still hasnt refunded me. So I tried to get my money back on XXXX, Ive filed three disputes on there however they were unable to anything and suggested I file a police report. Before filing a police report, I tried to get my money back through my bank. I filed two disputes for the {$350.00} charges through Wells Fargo. I received a letter in the mail on XX/XX/XXXX from Wells Fargo dated XX/XX/XXXX stating that my first {$350.00} claim was denied. On the same day I received the letter, XX/XX/XXXX, I called Wells Fargo three times to gain an understanding of why my claim was denied when the requested services I paid for was not provided. After being placed on hold for XXXX minutes Wells Fargo dropped the call.
Consumer complaint received 2022-06-08
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. (NC)

n 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 a account without my written instructions
Consumer complaint received 2022-04-05
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. (CA)

I have been trying for about two years to get this account off of my credit report. I have contacted XXXX XXXX twice, they have sent me two different letters stating that they have contacted the three credit bureaus to have this trade line removed from my credit report. 
It still appears on all three reports! 
This a a fraudulent account that is affecting my credit score.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I wrote a letter to Equifax on XX/XX/2022 stating that they have inaccurate information on my credit report, wrong addresses and inaccurate employers and it has been longer than sixty days and I have not received any updated information from them.
Consumer complaint received 2022-06-08
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)

n accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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 2022-04-04
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2022-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (MN)

I have multiple accounts with Synchrony Bank providing me credit at multiple retailers. I have kept all of my accounts in good standing, always paying off the cards or making monthly payments on time. Out of no where Synchrony cut all of my credit limits to within {$20.00} to {$50.00} of my current balance. For example, Lowes. My Lowes account had a limit of $ XXXX. I had a XXXX balance and it was cut do a limit of {$150.00}. XXXX XXXX had {$8500.00} limit and was cut down to {$600.00} as I had a {$580.00} current balance. I have two accounts at Sams Club with this bank. I had account protection/security purchased but cancelled this during the first week of XX/XX/2022. They continued to debit monthly charges for this security and will not refund. Because of this both my Sams accounts have accrued these fees bringing both over the limit and am now being charged multiple fees every month. 
Multiple others as well, all in good standing. Because of this my debt to credit ratio skyrocketed and my credit score dropped almost 200 points. I have a car lease that is up this year. I just found out that because of my credit utilization so high and score so low, that I will not be able to purchase out my lease or lease a new vehicle. I was also working on getting approved for a mortgage on a property but that was cut as well. I understand Synchrony is taking this action on many card holders. Either lowering credit limits, or closing accounts. They have closed two of my accounts that had XXXX balances. I worked very hard to stay above water during the pandemic. I was unemployed for two years yet I continued to meet all of my monthly obligations and was never late or over the limit on anything. This is how I'm paid for being on time every month?? This has caused me to miss paying other bills over the last few months and completely ruined me financially. Soon I will have no transportation and no options to turn to. I don't know what to do as I've never been in this type of situation before. Is there any help out there??
Consumer complaint received 2022-07-04
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. (TN)

I have several unauthorized Inquires on my report I have already file this Issue with Identity theft.gov confirmation number XXXX. Especially with XXXX there is several. They had someone to hack their system a couple years ago. I dont know if someone hack their system again and did these inquires but they do not belong to me. I have no remembrances dealing with companies below. 

XXXX report Date of Inquiry 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 XXXX XX/XX/XXXX I also completed an Identity theft .gov confirmation number again XXXX Transunion Date of Inquiry 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 Also for Experian which I left a complaint with Identity theft .gov to look into the following inquires that was not authorize by me Experian Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-04-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2022-07-04
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. (CA)

XX/XX/2022. {$660.00} In accordance with the Fair Credit Reporting Act 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 2022-07-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

National credit adjusters contacted me re a unpaid collection account with the XXXX XXXX XXXX XXXXXXXX of {$430.00}. After speaking to a representative he told me I could pay {$320.00} and it will be reflected as paid in full. I also received a letter confirming this. When I went to check my credit reports they all claimed I still owed {$100.00}.
Consumer complaint received 2022-06-08
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 FCRA 15 U.S. Code 1681c2 and 15 U.S. Code 1681 consumer credit agencies Equifax and XXXX have violated my rights to have my information blocked as result of identity theft and have failed to report fair and accurate information on my consumer report profile.
Consumer complaint received 2022-04-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Please update this account completely from my Credit XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-14
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)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2022-04-04
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. (LA)

I have disputed the following accounts multiple times with Equifax and they have come back verified and updated. The following accounts have been re-aged and according to the FTC, FCRA, it is illegal to re-age debt. XXXX Account # XXXX XXXX Account # XXXX. XXXX is reporting a payment history in XXXX when this account was paid and closed in XX/XX/XXXX. The account also states that it is open when it is in fact closed. There should be no reporting after the date closed. XXXX is reporting 20 late payments and the first major delinquency date changed to XXXX. This account was also closed in XXXX. Which means the date was changed on both of these accounts and the debt was re-aged. My next response will be with a lawyer as this is bringing down my credit score. These accounts are inaccurate and unverifiable so they need to be removed immediately. I have attached a copy of my drivers license and utility bill for ID purposes. I will also be reporting this to the FTC for failure to investigate properly.
Consumer complaint received 2022-07-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

On Monday XX/XX/XXXX I got an alert from my chime account of a transaction in the amount of {$120.00}. I signed in to the app, and looked at the transaction. I did not make the transaction. I contacted my bank, and reported it as fraud. My bank is chime. I filed a claim, and a police report, and the claim was not ruled in my favor. I would like for the {$120.00} to be put back in my account. That transaction was not made by me, and i have records stating that i was not out of the state. If needed i can provide the police report. I have called chime several times, and no solution is being reached.
Consumer complaint received 2022-06-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (MD)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This MBA LAW account with a balance of {$590.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they have NEVER written me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Consumer complaint received 2022-07-04
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: WELLS FARGO & COMPANY (GA)

I did not authorize my information to be shared 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment Consumer law
Consumer complaint received 2022-07-04
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. (MD)

On XX/XX/XXXX, I contacted TransUnion about the following negative account XXXX BANK ( Opened XXXX XXXX, XXXX, Balance {$41000.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NJ)

It's been 2 weeks already I spoke to customer service representatives at equifax they said that everything looked fine on there end but I can't access my credit report and it does not allow to me freeze my credit report. This happened 3 other times since I've paid for the service/product. 
I've attached screenshot shot of what I see. 
I don't know if my credit report is frozen or if my information is being taken without me knowing
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (CA)

I sent a letter on XX/XX/XXXX requesting Equifax to reinvestigate and update this Account from my report during the investigation period. As of this date, the Equifax has failed to respond to my written requests. Equifax must validate this account in line with the FCRA 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 from erroneous reporting in my file is listed on my credit report : XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2022-03-31
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: ALLY FINANCIAL INC. (NC)

My credit was pulled by XXXX XXXXXXXX XXXX  on several ocassions. I didn't apply for credit or authorize a credit inquiry. I want them removed asap. The dates of the inquiries are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
The same for XXXX XXXX XX/XX/XXXX XX/XX/XXXX and lastly Ally bank XX/XX/XXXX