davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
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. (NY)

so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. 
Inquiries from XXXX XXXX  ( multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my birthday is incorrect which should be XX/XX/1999 my only address is XXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX I do not work for XXXX My name is XXXX XXXX XXXX needs to be removed also
Consumer complaint received 2022-08-03
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 (MN)

I was scammed out of {$4400.00} in fraudulent charges in XXXXXXXX XXXX. I was offered a job that required that I purchase a laptop, iphone, accessories and send them to an engieer to have software installed. The representative of XXXX, XXXX XXXX, gave me a XXXX routing number number and account number for a ACH deposits of {$3400.00} and {$980.00}. These would bring my Discover Card balance to {$0.00} and I could purchase the laptop and iphone with my Discover Card. I did this as he directed. Once I did this, he stopped payment on the ACH deposits, left me with a {$4400.00} bill on my Discover Card and no job. Discover Card will not write off this {$4400.00} as fraudulent charges because I authorized the purchases. I have argued with Discover Card that I was scammed into fraudulent purchases. The definition of a scam is " a dishonest fraudulent scheme that attempts to take money or something of value from people ''. Discover Card refuses to listen and insists there is a diffence between a scam and a fraud and I was scammed. I argue these are fraudulent charges as a result of a scam. I am making the monthly payment but it is draining my savings. They are negatively effecting my XXXX score as my balance is above my approved credit limit. I'm a XXXX year old woman trying to survive on Social Security and Discover Card is flexing their muscle of Corporate Greed and will not listen to any rationale. Help me please get this issue resolved. I have no other options.
Consumer complaint received 2022-10-24
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}. 

According to FCRA XXXXction 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-10-24
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. (NC)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (MN)

On XXXX I sent a letter regarding unfamiliar and wrong information on my credit profile, I still over 45 days later have NOT received a response yet! Im obviously being taken advantage of and my disputes are being ignored. According to SECTION 611 ( a ), a failure to investigate these items within 30 days give legitimate reason to immediately remove those items from my credit profile it has been well over 45 days so they should be deleted right away. I demand these accounts be deleted immediately or I promise to file for litigation due to the frustration, confusion, and stress you caused me. My information was also impacted by the equifax data breach and someone may have gained access to my information.
Consumer complaint received 2022-12-22
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. (OR)

So I sent a letter of on XX/XX/2022. To remove Inaccurate Personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people.

These are clear Violations of my Federally Protected Consumer Rights.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo has an overdraft protection option on their accounts which charges {$35.00} Per transaction. I opted out of this service awhile ago as to not get charged these ridiculous fees. I usually get an email saying my bank declined a transaction due to insufficient funds. Now Wells Fargo has made a loophole so they are able to charge you these overdraft fees for your account being negative more than a day. The issue is, I opted out of overdraft protection so my account should have never been overdrawn. Wells allowed two transactions to overdraft my account and now they charged me {$70.00} in fees. How can they justify charging me fees when I opted out of this service a long time ago. It shouldnt matter if Im using my debit card or electronic check. If its going to overdraw the account, it should be declined so the fees dont get charged. I want Wells Fargo to refund the two fees totaling {$70.00} because they never should have accepted the transactions since I dont have overdraft protection.
Consumer complaint received 2022-09-30
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1300.00} and XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance : {$740.00}.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

For XXXX, Equifax and XXXX XXXX Correctly reporting individual and total credit limit and balance figures for revolving accounts. 

However, falsely reporting utilization ratios for totals as 100 % when well under 50 %, in turn causing false credit score reporting.
Consumer complaint received 2022-10-24
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. (NC)

I sent a letter on XX/XX/XXXX to XXXX and Equifax to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and Equifax are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (MO)

Over the less than a XXXX  period that PNC Bank managed my bank account ( they took it over through a purchase from BBVA Bank, who owned the immensely-popular-in-the-XXXX XXXX XXXX XXXX Simple which I was XXXX XXXX XXXX of ) I was charged over {$570.00} in overdraft fees. Near the end of my usage of PNC Bank, this brought my account far in to the negative. 

During attempts to gain control of my finances, I attempted to get these predatory overdraft fees refunded/removed. 

PNC bank only refunded {$140.00}, leaving me with at least {$430.00} in overdraft fees pushing me into the negative. 

They closed my account and sent me to collections following my refusal to pay for these predatory practices. 

PNC Bank should have a more customer-centric and permissive overdraft policy more alike XXXX XXXX XXXX and others.
Consumer complaint received 2022-12-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (AZ)

In the past months I have been faced with a financial hardship with me being sick with XXXX  and being on unemployment witch I only receive XXXX I have reached out to ally financial about my situation over the phone and Thay have ignored my situation with more calls more harassment and I paid them XXXX on XX/XX/2022 and tried to get on a payment plan Thay would not let me so the came in the night to reposed my car and my personal items in the there as well I contacted them about this matter but all Thay want to discuss is money
Consumer complaint received 2022-08-02
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: ID Analytics, Inc. (FL)

TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX
Consumer complaint received 2022-09-30
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items 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 items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-24
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. ()

Hi team, The fraud has been done on my credit card of amount XXXX XXXXXXXX and XXXX XXXXXXXX on XXXX XX/XX/2022 and I have immediately report the incident to the bank and blocked the card. 
The customer care member told me not to lodge a complaint as they will check and now after 5 days they are saying that its a secured payment so they cant do anything. But as per XXXX guidelines if you complaint within 3 days they will refund all my money. 
Please look into this matter and take action as its not a small amount for me.
Consumer complaint received 2022-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX at XXXX I went to pay {$950.00} to my Chase Freedom Credit card. I used the atm located inside the local Chase at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. During the transaction the atm gave me a reciept stating that and error had occured while process the payment, " It looks like there was a problem completing your payment please call XXXX XXXX XXXX for personal credit cards and XXXX XXXX XXXX for business credit cards cards XXXX. '' The next day I went to speak with a banker by the name of XXXX XXXX. She was very helpful and submitted a form and gave a confirmation number, " XXXX - XXXX ''. On the confirmation page there was a number that I called and they told me they recieved my complaint and would investigate. I got a call 5 days later, the representative asked me to verify the particulars and told me that the case is still under investigation. Throughout the time the case is under invesstigation i go back to the locate bank and ask what is being done with the account as it should not reflect the {$950.00} that was paid. The bank temporarily credited the card XXXX but as on today XX/XX/2022 the account still reflect the {$950.00} as not being paid. This entire ordeal is unnecessary and very inconvienent.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CarMax, Inc. (GA)

Remedy resolve, correction of damages to my credit. These damages of fraudulent and incorrect filing on my credit report have been devastating to my life. I gave not give permission to any of these fraudulent claims reported, the address is incorrect, XXXX XXXX reports eight late payments while XXXX reports 13 all from car max, the inaccurate fraudulent auto lone defaults need to be removed from my credit report. 
I do not consent 15 U.S. Code 1681s3 15 U.S. Code 1666b 15 U.S. Code 1679c 15 U.S. Code 1681i
Consumer complaint received 2022-10-24
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-01-25
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 (NM)

i have a problem with wells fargo. on XX/XX/XXXX i have noted that there was two unauthorized charges in my business account ( {$5200.00} and {$1300.00} ) the description says " BUSINESS TO BUSINESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ( i have one account for my business ) so i called them on XX/XX/XXXX to put a complain to the bank. On XX/XX/XXXX i received a letter from the bank and says that they are not able to reimburse the money because too much time passed before i notified the bank. i went personally to the bank for help at least three times and the last time they told me that they can't help me and the claim was closed. 
* i noted that the amount of the unauthorized transactions match with two checks deposited by me in my business account on XX/XX/XXXX so i asked the person who gived me the checks and says that the money gone out of him account on XX/XX/XXXX.