davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FC HoldCo LLC (OH)

I called flagship credit. To inform them about the loan that was fraudulently opened using my personal information, without my permission. I provided them with my social security number ; Date of birth and more. They was not able to locate the account. Therefore, I asked them, well why are they reporting this to my account if they have no records of it? And for them to remove and stop reporting this to my credit report immediately under the fair credit reporting act.
Consumer complaint received 2022-09-07
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: Experian Information Solutions Inc. (TN)

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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to dispute inaccurate information on my credit report related to accounts reported by [ Company Name ]. Upon reviewing my credit report, I have identified a significant error that requires immediate attention and correction. The details of the disputed information are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX All three accounts appear to be associated with the same company, which suggests an error in reporting as they contain different information. I want to bring this discrepancy to your attention and request a thorough investigation to rectify this issue. 

I have attached supporting documentation, including [ list the documents you are attaching, such as account statements, correspondence with the company, etc. ], that confirms these accounts are related to the same company and should reflect consistent information. 

I understand that, according to the Fair Credit Reporting Act ( FCRA ), you have 30 days to complete your investigation. I appreciate your prompt attention to this matter and request that you provide me with a written update on the results of your investigation. 

If the investigation confirms that the information is inaccurate, I request that you update my credit report accordingly and provide me with a corrected copy. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute in accordance with the FCRA guidelines and work to resolve it as quickly as possible. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (MI)

On XXXX I stayed at the Wyndham XXXX XXXX in Florida. On XX/XX/year>, I was asked if I wanted a Wyndham Rewards Card. I said " no '' and thought that was the end of the interaction with the staff member. 

When I returned from my trip, I found a letter from Barclay 's explaining that my application for the Wyndham Rewards Card was denied.

I did not apply for a Wyndham Rewards Card. I did not want to apply for a Wyndham Rewards Card. Someone on the staff at the Wyndham XXXX XXXX resort took my information and applied for a credit card without my authorization and without my knowledge. 

This is unacceptable. 

I am now trying to remove this from my credit reports, and having difficulty as no one at XXXX, XXXX, nor XXXX believe me that I did not apply for a credit card, but I didn't! 

Isn't this illegal? 

We are trying to repair our credit in order to buy a house and now I have this unauthorized hard credit inquiry on my report for two years because Wyndham and Barclays are forcing staff to push credit cards on guests and when they say no, they just apply for credit cards to boost their metrics anyway. 

Please help. Thank you.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Open a credit card with Bank of America. When I close my account it was paid in full. 3months later I check my credit score said it had a 90 day late charge from Bank of America XXXX I call and try to resolve it but Bank of America still left the charge on my credit score
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had business checking account with Bank of America and account name was XXXX XXXX XXXX- Account number is XXXX. Bank closed in XX/XX/2021, but I have not received my balance check which was {$6400.00}, and Bank of America is not giving me my balance so I tried to call everyday even I visit the branch every 2/3 days in a week. 
Now I want to file complain against Bank of America because I dont have enough money to feed my family and bank is also not giving me interest of my balance. 

Please please help me to resolve my problems. I am in XXXX, I lost my weight so much because of this bank. 
I do not know how Im going to survive myself and my family members. If anything happens to me or my family, Bank of America will be fully responsible for any loss of me or my family members.
Consumer complaint received 2022-08-16
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

In XX/XX/2022, Bank of America reported to the credit bureaus ( XXXX, XXXX, and XXXX ) that I had a delinquent credit card account. I thought I had the credit card on auto payments. They never contacted me about being late on my payment and still proceeded to ruin my credit score. I've never been late on any payment in my life.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been requesting Validation of debt from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. My request for validation started back on XXXX XXXX and continued through XXXX XXXX and still continuing. I will only provide one of the XX/XX/XXXX Validation letter and one of the XXXX XXXX Validation letter because the pages are many. 

I'm being sued by XXXX XXXX XXXX on the behave of XXXX XXXX XXXX XXXX XXXX. a Law firm to be exact. I am aware of the rights that I do have as a consumer. And as a consumer, after a request for debt validation, the law states that the debt collector must stop all collection efforts until they send me the requested information. 

As you can see, my request for validation was ignored and a lawsuit was applied. I also submitted my Answer to the court on XX/XX/XXXX as required. I also sent the Plaintiff a copy of my Answer as well. Did the Plaintiff receive it I'm not sure. My answer I requested certain information to be showed to me and still I have yet to receive that information. For a resolution I'm seeking for this case to be dismissed per violation pertaining to failure to respond to debt validation request in a timely manner. In the attachments are the following : 1. A letter of complaint to CFPB 2. Dispute Letters dated XX/XX/XXXX and XX/XX/XXXX 3.The State Of Texas Original Petition Citation Lawsuit From XXXX XXXX XXXX XXXX XXXX XXXX 4. Defendant 's Answer 5. USPS Tracking : Certified Mail Receipt
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I applied and received a credit card from PenFed Credit Union and used it one time for a balance transfer offer, put it on autopay from my checking account and put it away in a drawer. In XXXX, their security was breached and charges were made to XXXX and XXXX XXXX totaling over {$1300.00} to the card. I did not discover the transactions until XXXX when reviewing the expiration date of the balance transfer. 

Their credit card was NEVER associated nor linked with with my XXXX account in any way so I know the breach had to occur directly within their system. I am liable for the charges given the breach occurred more than 2 months ago but I offer this as a cautionary tale to those who work with smaller credit organizations such as PenFed. In my more than 15 year credit history this has not happened with any other bank from whom I regularly receive messages alerting me to suspicious transactions, no such system in place here.
Consumer complaint received 2022-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Hi I am writing today on behalf of reviewing my credit report and for years Ive tried to resolve this account listed in my name. I believe my information got into the hands of someone and this account was applied for without my consent .. at the time I was still in high school and Ive been trying to get this resolved for years with no hope Ive submitted many fraud disputes over the years and only in return received a letter with a XXXX XXXX bill stating consumer disagrees. A bill in fact does not provide proof that a account is mine or was in anyway possible accrued by me. I would like strict proof a wet signature that verify this account was created or applied for by me or simply delete this account. Its 17 years later and this fraudulent account is affecting my credit worthiness and a defamation of my character. I ask that you would please consider the removal of this account Ive filed identity theft reports # XXXX with Identitytheftreport.gov also with the consumer protection bureau. Please provide a wet signature or strict proof or remove the account.
Consumer complaint received 2022-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (OH)

In XX/XX/XXXX, notified by Fidelity Visa of fraud activity on account. I was told the account number would be closed and I needed to update any automatic payments to the new account number. 

On XX/XX/XXXX XXXX XXXX XXXX sent a transaction to my Old ( fraud ) Fidelity Visa account number. Fidelity Visa then transmitted my new Fidelity Visa Number XXXX XXXX XXXX XXXX and authorized the transaction. 

On XX/XX/XXXX I contacted Fidelity Visa customer service. They informed me that since I had a prior relationship with XXXX XXXX XXXX and 1 previous transaction with them ( XX/XX/XXXX ) - as a courtesy that are allowed to give out my new account number. They stated that any vendor who had my old number could successfully charge to my new account as long as that said they had a prior relationship with me. 

They then stated that if I could tell them who has my old ( fraud ) number they could close it only to those vendors. But that it cant close to all! 

My thinking is if the account number is closed down that is closed. But that is not the case with Fidelity Visa. 

My question- is it legal for them to release my new Credit Card account number to a vendor?
Consumer complaint received 2022-05-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX 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 2022-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

Shellpoint is my mortgage servicer. I can't get an answer as to who my primary contact/XXXX  will be going forward. 

I have been working with my assigned XXXX, XXXX XXXX, on bringing my account current. I have also been in correspondence with his supervisor, XXXX XXXX. 

Now I am receiving emails -- sometimes multiples in a day -- from people whose names I do not know. These emails do not contain introductions or how they are related to the servicing or processing of my loan. These new individuals include : XXXX XXXX -- Emailed us on XX/XX/XXXX XXXX XXXX -- Emailed us on XX/XX/XXXX XXXX XXXX -- Emailed us on XX/XX/XXXX at XXXXXXXX XXXX EST XXXX XXXX -- Emailed us on XX/XX/XXXX at XXXXXXXX XXXX EST We also haven't received any responses back from XXXX XXXX or XXXX XXXX, our assigned XXXX and his supervisor. The last email we received from XXXX was on XX/XX/XXXX. 

Note that XXXX and XXXX 's emails were sent an hour apart on XXXX, XX/XX/XXXX. They did not introduce how they are related to our account. Both claim to be servicing our account. Both asked for the same information. This is really suspicious as I don't know if they are legitimate representatives. If they are, why are there XXXX of them asking for the same information? 

Please note that representative XXXX XXXX, after we responded, had an out-of-office notice on her email. Her out-of-office notice says she is unavailable until XX/XX/XXXX. Her notice is confusing as it suggests she only works there occasionally if her message is set to XX/XX/XXXX and she hasn't changed it since. She has not responded since we received her out of office reply. 

Given rampant identity theft, I want to verify who is responsible for my account going forward. This is also in addition to the fact that I do not want to keep restating information that was given to one rep. I do not want information to be lost in the servicing of my loan. 

I have emailed all of these individuals, individually, and in cc asking who will be our primary contact going forward. No one has responded and taken responsibility as the primary contact. 

Attached are email correspondence from these different individuals. 

Part of our requirements for loan modification from Shellpoint is that we maintain biweekly contact with our XXXX. It seems that Shellpoint is incredibly disorganized in the handling of our loan, and the service representatives are not working in coordination with XXXX another. 

How can we maintain contact if we don't know who is the actual service representative?
Consumer complaint received 2022-07-13
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. (PA)

Hi, my name is XXXX XXXX. Its been over 2 months since I sent a letter to yall about severals on my report. I have been waiting for your response since I sent my dispute letter on XX/XX/2022, but it seems my letter has been ignored I am not sure if it has something to do with my race, but I was told by a financial expert that I can file a complaint on several agencies should you continue to ignore my letters. I'll be waiting for 15 days from now to see if there will be any changes and will take my next step after that. Thank you!
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX  is reporting an account of mine that was opened in XX/XX/XXXX as having late payments, and they're also reporting that this vehicle was included in a bankruptcy. 
This vehicle was totaled XX/XX/XXXX, XXXX and an insurance claim was paid out to them in full from my insurance company. 
They continued reporting negative information about this vehicle up until XX/XX/XXXX and then of which they stated that this vehicle was included in bankruptcy which is highly incorrect. This vehicle was paid entirely in full. 

I have emailed the CEO, XXXX XXXX, and my next step if I don't hear back from him with a resolution is filing a law suit against this company as they are defaming my character. I have a police report statement number : XXXX.