davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

n 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 a account without my written instructions
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C. (CA)

XXXX ( XXXX ) had not sent me invoices for over 6 months. They sent me one statement in XXXX, XXXX. I immediately paid {$320.00} on XX/XX/XXXX. Three days later I received a notice from Trident Access Management staying my XXXX  account was sold to them and stated balance was {$510.00}. That was incorrect as I paid XXXX {$320.00} on XX/XX/XXXX. When I called XXXX ( XXXX ) they said my account was sold on XX/XX/XXXX and payment of {$320.00} was in transit to Trident. I requested Trident remove derogatory information from my credit report as the information was wrong. They refused and stated they had not received the payment. One month later, I called back chasing this {$320.00} that was lost. I spoke to both billing reps at Trident and XXXX. They participated in a 3 way conference call. XXXX and Trident reps went back and forth saying the payment was sent but Tirdent saying they never received it. Requested how the payment was submitted to Trident and XXXX could not provide stating may be delayed due to Covid-19 and delays with mail. I argued it would not take over a month to get mail. I asked both agencies to halt reporting on my credit report and said they couldnt do that and I could file a complaint with the breau instead. It has been two months of being placed on extreme long hold wait times trying to chase this payment when my account should not have been sold to begin with. I am submitting this formal complaint as the balance owed is {$190.00} and has been paid. The {$320.00} is still out in cyber space and no one is willing to take the time to provide me with details of how XXXX submitted the payment to Trident on my behalf ( electronic or manual check ). I would like to request this derogatory information be immediately updated on my credit report. Incredibly frustrating that no one is taking the time to help me track down this payment.
Consumer complaint received 2023-01-09
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY ()

This is a follow up complaint to the complaint # XXXX described below. Wells Fargo 's reply to that complaint stated they could not find the CD account ending XXXX. Well, duh. That is not my CD account number, which ends XXXX XXXX. That number is clearly printed on the CD and the receipt for same. They need to more " thoroughly review '' their records and find my deposit. I also want to know how a renewable CD with interest reinvested can be " inactive '' or " dormant '' and turned over to the State without notifying me. Here is my original complaint : On XX/XX/XXXX I deposited {$15000.00} with Wells Fargo Bank and received a Certificate of Deposit. I still have it. On the back of this Certificate of Deposit is a cash register Transaction Record receipt for the same amount and a " Thank you, XXXX ''. I forgot about this cd which was to renew in 180 days at 5.02 % interest. Now retired, I'm trying to organize my finances and I discovered the fancy, scrolled, member FDIC, Certificate of Deposit and contacted Wells Fargo to ask about my welcomed discovery. After their search, they said they have NO RECORD of it. What? They said that I should check my state 's Unclaimed Property roster. I did, with no luck. I don't understand how my deposit could be handed over to the state, if that's what happened. I am and have been a Wells Fargo customer since XXXX. I don't understand how a renewable certificate of deposit could be considered " inactive '' and seized by the state, if that is what happened. Also, if this renewable cd was deemed inactive, why didn't the bank contact me? They have my address, the state does, too ( I file taxes every year. I am not dead, yet ). Should I have kept my $ XXXX under my mattress instead of with Wells Fargo?
Consumer complaint received 2024-10-15
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-06-25
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Pennymac has fraudulently tried to charge me for insurance on a loan without an impount account. I have always paid the taxes and insurance myself. I have had insurance the entire period and provided the proof multiple times when requested. Pennymac claims they paid for insurance as the lender, but will not provide the invoice they paid or even provide the name of the insurance company they paid. 
Now they have failed to apply my regular payments, they are charging me interest and late fee penalties even though I have paid the monthly amount required by the note every month and can document the payment. 
Please have then stop trying to collect on a debt I don't owe and they can't prove. Have them stop charging interest and penalties even though the loan has been paid on time. 

Thanks, XXXX
Consumer complaint received 2020-06-25
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. (MS)

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND A LIST OF FRAUDULENT ITEMS HAVE APPEARED ON MY CREDIT REPORTS PER SECTION 605B ... PLEASE BLOCK AND REMOVE THESE ACCOUNTS IMMEDIATELY! 

Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX # XXXX {$610.00} XXXX XXXX # XXXX {$200.00} XXXX XXXX # XXXX {$1400.00} XXXX XXXX XXXX XXXX # XXXX {$270.00} XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX # XXXX {$420.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Fraud Victim Assistance Department XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction XXXX s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX # XXXX {$1300.00} XXXX XXXX XXXX # XXXX {$51.00} XXXX XXXX XXXX # XXXX {$65.00} XXXX XXXX XXXX # XXXX {$150.00} XXXX XXXX XXXX # XXXX {$420.00} XXXX XXXX XXXXXXXX # XXXX {$1400.00} XXXX XXXX XXXX # XXXX {$200.00} XXXX XXXX XXXX # XXXX {$610.00} XXXX XXXX XXXX XXXX # XXXX {$270.00} XXXX XXXX XXXX XXXX # XXXX {$140.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX  # XXXX {$150.00} XXXX  # XXXX {$65.00} XXXX  # XXXX {$51.00} XXXX  # XXXX {$1400.00} XXXX  # XXXX {$200.00} XXXX  # XXXX {$610.00} XXXX  # XXXX {$1300.00} XXXX  # XXXX {$140.00} XXXX # XXXX {$270.00} XXXX  # XXXX {$420.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/2021 Address : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, SC XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/2021 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Address : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX I did not authorize these excessive inquiries to anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-01-09
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (CA)

I applied for an Apple Card on XX/XX/XXXX, and was notified that my application was denied because my outstanding balances were too high relative to my income, but that I could pay down my balances and reapply, without any detrimental effects. I began paying down my balances incrementally, reapplying each time, and being denied for the same reason, with the same guidance about how to get receive a different decision. I then paid off a large portion of my balances with birthday presents I received, and reapplied, this time noticing that I had previously underreported my annual income by only reporting wages. This time, I was denied because my information could not be verified, and instructed to call a Goldman Sachs Apple Card Approval specialist if I believed this was an error. I did so on XX/XX/XXXX, and was told that nothing could be done for 30 days, because the system was unable to take new information from me, at which time I could reapply. When I complained that I need the card right away, to finance the purchase of a new XXXX   for use in my job as an XXXX, and that I had been instructed repeatedly to reapply without any mention that doing so more than a certain number of times would prevent me from applying for 30 days ( if I had known this, I would have paid down my balances at once before reapplying, instead of doing it incrementally because I was told I could reapply repeatedly without penalty and was trying to get the card to finance my XXXX  purchase as soon as possible, for use XXXX  in these times ). After being transferred to a supervisor, I was told that I had to wait 30 days for the system to repopulate my data ; when I explained the situation and said I would contact the CFPB, I was told that a case would be opened for me and I would be contacted on XX/XX/XXXX. On XX/XX/XXXX, I received an email explaining that I had been rejected for the reasons detailed in the original rejection email, and to call a specialist if I believed this was an error. I called again, repeated exactly the process described above, was told again by a manager that all I can do is wait 30 days and reapply, although she initially said that there was no reason why that should be the case, so I am now filing this complaint. I am locked out of applying for a card I need to finance an urgent purchase for 30 days, because I did what the issuing bank told me to do in order to successfully reapply, at every point.
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (MA)

I discovered an unauthorized withdrawal was made from my checking account ( TD BANK ) on XX/XX/22. 
The autodebit was from XXXX XXXX XXXX XXXX AUTOPAY in the amount of {$1100.00}. 

This is a fraudulent withdrawal. I am going to the bank this morning to freeze my accounts with them. I don't know it there is anything I can do to get the money back.
Consumer complaint received 2022-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2022 I tried to use my Bank of America debit card in a gas station and it was canceled. Later that day I received XXXX emails that both my XXXX phone number and email were deleted and when I tried to log in to my account, I was not able to transfer or use my debit card. 
I have tried to call them throughout the week and they just told me there is a restriction on my account and to transfer me to a department that never answers. I waited on the call for XXXX hours and XXXX min and no one answered. I am left with no money and no access to my money due to the restriction and I am not in the US, so my access to money is XXXX. Bank of America has been treating me like a dog and it is not allowing me to use my money with no prior notice or any emails or messages to explain why they have restricted my account. 
I have XXXXe week in a foreign country begging for money because BoA has decided to freeze my account with no notice or motive whatsoever and no one is helping to make sure I have access to my money.
Consumer complaint received 2022-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

The docket on the bankruptcy is incomplete. The last 3 characters, ( XXXX ), is missing from the credit report. 

The court name is incomplete and the state of the court is missing. The correct name of the court is XXXX Bankruptcy XXXX XXXX XXXX XXXX Georgia XXXX located in XXXX XXXX GA XXXX 

XXXX XXXX XXXX was opened in XXXX of 2016 but none of the payment history for 2016 is provided in the payment history. Please provide payment history for XX/XX/2016, XX/XX/2016, XX/XX/2016 and XX/XX/2016.
Consumer complaint received 2023-01-09
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmerAssist A/R Solutions, Inc. (GA)

ve just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX,, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am filing a complaint against the three credit reporting agencies, XXXX XXXX XXXX and also XXXX XXXX.. sometime in XXXX I received a call regarding my cousin asking if I can be a reference for some XXXX  work he was getting done! I asked him why did he need a reference and he said so they can call because he was getting a loan and I would not be the only one. Next thing I know I receiving something in the mail stating that I have a loan.. I was not aware of any loan! I feel bamboozled, manipulated and taken advantage of.. I never gave my conceit for them to use my information. I never signed any paperwork and never went to any office to give anyone permission to run my credit.. My cousin also is blind to the whole thing. The XXXX  office have been giving my cousin and I the run around since this whole thing happened. They refuse to talk to us or even set up a meeting to know who it was that violated my privacy. They signed the paper work with the wrong name and everything.. Not only am I upset that this happened, I am afraid of what these people are capable of.. I have filed several reports to the lending companies as well as the city police station.
Consumer complaint received 2023-01-09
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting 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. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2022-06-14
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.