davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MA)

I received a direct XXXX message from a family member asking to send a XXXX as she ran out of availability for the day. As we were talking personal things a few minutes before thru XXXX I did not think much of it, and sent {$520.00}. Minutes later I found out that she had been hacked and called my bank immediately. They failed to give me any information on the matter and I had to find the case was closed with little investigation by calling them.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (MI)

I noticed on my XXXX XXXX app on my phone, that a Wells Fargo credit card had been opened in XXXX of XXXX. I called Wells Fargo and notified them and they opened a case and are working to resolve it now. I also called XXXX to warn them of identity fraud, as the person who opened the credit card did so using my social security number. The card was used in the amount of {$430.00} as of today. XX/XX/XXXX.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This is in regards to account XXXX under XXXX XXXX XXXX XXXX credit report. All 3 credit bureaus are reporting that I have late payments with XXXX XXXX XXXX XXXX - XX/XX/2019, but this is incorrect information as I was not late on payments during this reported time frame. I have tried to resolve the issue directly with XXXX but they claimed to not be able to make any changes. I understand under my legal rights that any information that is inaccurate must be removed from my credit report.
Consumer complaint received 2022-07-08
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. (SC)

I, XXXX XXXX, am stating that XXXX, XXXX, Equifax are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX XXXX, Equifax may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave XXXX, XXXX, Equifax any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, XXXX, Equifax credit report XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : ACCOUNT # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, XXXX, Equifax permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, XXXX, Equifax are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, XXXX, Equifax wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, XXXX, Equifax consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Consumer complaint received 2022-07-08
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: CORELOGIC INC (IL)

In accordance to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address
Consumer complaint received 2022-07-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (NY)

Under the GLB Act of 1999 nonpublic information such as late payments, charges off and debt shouldn't be disclosed to any non affiliated third party such as credit reporting agency without my lawful consent 15 u.s.c 6802.
Consumer complaint received 2022-07-08
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. (AR)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 604 section 2. It also states a consumer reporting agency can not furnish accounts without my written instructions.
Consumer complaint received 2022-07-08
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. (VA)

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. 

XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX acct # : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: COLLECTECH DIVERSIFIED, INC. (TX)

Called my cell phone 6 times on XX/XX/XXXX and so far 3 times on XX/XX/XXXX before XXXX XXXX. I do not know who this is but when I looked up the number it came up as CDI - a debt collection company.
Consumer complaint received 2022-07-07
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: Foursight Holding LLC (GA)

I went to purchase/finance a vehicle through XXXX XXXX XXXX in XXXX, SC. I gave them consent to pull XXXX credit report later to find out they told me it was pulled XXXX  times and l was lied too it had actually been pulled XXXX  times for hard inquiries. I became so frustrated with them I actually paid cash for the vehicle due to the fact they had pulled it so many times especially after negotiating with them about the price due to the markup of the vehicle. I just want these hard inquiries removed from my report. I had decent credit before and now it has dropped my score to the low XXXX due to no fault of my own.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

LexisNexis continues to provide false and misleading verification to credit agencies XXXX, XXXX XXXX XXXX even after suspending the right to share reporting. 
In accordance with Fair Credit Reporting Act, XXXX Has Violated my rights. Delete Public Record Bankruptcy XXXX XXXX. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting Act, XXXX XXXX Bank # XXXX has Violated my rights. Please Delete XXXX XXXX Bank Account from my credit profile. In accordance with the Fair credit reporting act, XXXX Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions. In accordance with Fair Credit Reporting ActXXXX XXXX  - I didn't approve double hard Inquiry, XX/XX/XXXX & XX/XX/XXXX - only one credit pull was authorized for this transaction. In accordance with the fair credit reporting act Delete one inquiry. Delete 90 days late on my XXXX XXXX Account. Has Violated my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the FRCA The term " investigative 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. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 

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.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Consumer complaint received 2022-06-09
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. (GA)

1. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit. 

2. I never applied for any type of credit or financing from XXXX XXXX XXXX nor did I give them permission to run my credit. 

3. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit. 

4. I never applied for any type of credit or financing from XXXX XXXX nor did I give them permission to run my credit.
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN I AM WRITING TO REPORT ALL OF THE INCORRECT INFORMATION LISTED ON MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. I AM INTRESTED IN ALL ORIGINAL CREDITORS REVIEWING THE FILES WITH THE DATES, ACCOUNTS, AMOUNTS LISTED AN REMOVE THE INFORMATION IMMEDIATELY. THIS HAS HENDERED ME FROM MOVING FORWARD DUE TO THESE ERRORS. MY CREDIT REPORT IS SUPPOSED TO BE 100 % ACCURATE ON ALL 3 CREDIT REPORTS. THAT IS NOT THE CASE. PLEASE REVIEW THE DETAILS IN THE FILES.
Consumer complaint received 2022-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In Accordance with the Fair Credit Reporting ACT XXXX, Account Name : XXXX 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 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

On or about XX/XX/XXXX I submitted a request to Truist Bank regarding two transaction by a merchant that should not have been charged to my account and to invesitge and obtain a refund for both changes totalling {$560.00}. The Claim # XXXX. On XX/XX/XXXX as part of Trust process I was asked to complete a document and proivde my supporting documentation. I proivde supporting documentation including warranty documents showing AC unit was still covered under warranty, along with email from my home builder and email from merchant company stating they responded to Truist request to refund the funds. However over the past 45 days I continure to get the run around by this bank. I have requested 5 escalations to have someone from the bank to contact me regarding this issue and as of today, I have not recieved a resposne. My most recentcall on XX/XX/22 on a recorded line I was treated with such disrespect, the rep stated that I should just have the merchant refund the money instead of going through the bank. If that is the case why offer the service, why do I need to bank here. It was made clear to me, that Truist have no intent on crediting funds back to my account dispute the overhelming documentaiton and email communicaiton from the merchant stating the funds should be returned.
Consumer complaint received 2022-07-07
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  Account XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX {$5800.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX hard fraudelet hard inquiries XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 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 2022-07-06
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: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX, My credit card account with apple was compromised and I lost all access to bill pay on the account. In XXXX, Apple reported that I was late on payments erroneously and that I was late on payments ( when i have no correspondence from apple on this ). I requested at this time that apple suspend my card. Now they have continued to accept charges on my card and have reported, again to the credit agencies, that i owe money on this card and was late in may, when my first correspondence was in XXXX on this. Please request that apple take these notes off of my credit report.
Consumer complaint received 2022-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services (FL)

NACS sent me a collection notice in the amount of {$1000.00}. I have no clue what this bill is for and NACS refused to give me information on the bill. My health insurance was never billed. I have sent NACS a Cease and Desist letter with my health insurance information for proper billing if a legitimate bill actually exist.
Consumer complaint received 2022-07-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX, XXXX has been on my credit report for 4 years, 7 months. It is for a credit card debt, I dont think I even owed and as a credit card debt, it shouldnt even be collectable at this point. They keep increasing the balance by {$1.00} everytime I dispute it with XXXX XXXX instead of responding. They also change the activity date to stay on my credit report longer.
Consumer complaint received 2022-08-23
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. (AR)

Hard inquiries by XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Sunbit, Inc. (TX)

I acquired a line of credit from Sunbit in XXXX of this year. At the time I was unaware the agent set up automatic payments when the account was set up. Payments are for the amount of {$130.00} and due on the 6th of the month. I sent a certified letter to Sunbit in XXXX to cancel automatic payments, per the contract and I began making manual payments in XXXX, XXXX, and XXXX. For some reason, Sunbit resumed auto drafting my account in XXXX. I woke up this morning to see they've auto drafted my account for the second consecutive time without my written or verbal consent.
Consumer complaint received 2022-07-06
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. (IL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX  XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-06
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)

ALLY FINANCIAL XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX HOME FURNISH XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XX/XX/XXXX NO RESPOINSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN COTNACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACTED ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION ALLY FINANCIAL XXXX, XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX  XXXX, XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX NO RESPINSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX XXXX XXXX, XXXX NO RESPONSE WHEN CONCTACT ABOUT INQUIRY WITHOUT AUTHORIZATION CONSUMER XXXX XXXX  XXXX XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XXXX XXXX. XXXX, XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION XXXX XX/XX/XXXX NO RESPONSE WHEN CONTACT ABOUT INQUIRY WITHOUT AUTHORIZATION
Consumer complaint received 2022-09-26
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)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

Hi! Me and my fiance used the app Venmo and our friend sent us {$35.00} for gas money so my fiance could get to work and Venmo froze our account, told us they couldn't do anything about it couldn't tell us anything other than we had to verify our identity. We did, and this over OVER a month ago, and tonight they just suspended his account and told us basically that they took our money.