davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

This complaint is about my Wells Fargo credit card ending in XXXX. I made the full payment for {$3200.00} on XX/XX/XXXX for the XXXX statement of this card, but the payment wasn't processed until XX/XX/XXXX after contacting Wells Fargo customer service several times. The payment was initiated on the Wells Fargo website using ACH pull from my checking account from another bank, which was the account that I always used in previous months. The Wells Fargo 's website shows that this payment was received on XX/XX/XXXX, and on my bank 's website it is showing the fund left my checking account on XX/XX/XXXX. It appears that this payment wasn't processed by Wells Fargo for nearly XXXX weeks. I'd like to remark that the XXXX statement was due on XX/XX/XXXX, and I made the payment more than two weeks before the due date. This delay in processing payment caused some trouble in making subsequent recurring purchase in XXXX, and for which I was then charged for a non-sufficient fund fee.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

This complaint is for consumer XXXX XXXX XXXX XXXX, Social I.D . XXXX, address XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX, MI XXXX, phone number XXXX in regards to factual disputes I sent out to Experian Information Soultions Inc. around XX/XX/2020 and XX/XX/2020. 
Experian failed to investigate my dispute and respond within 30 days from XX/XX/2020 on my dispute as indicated in the attached letter to this complaint for XXXX XXXX, XXXX XXXXXXXX, XXXX/XXXX, and XXXX/ XXXX. On a response outdated from Experian dated XX/XX/2020 the Experian claims that I disputed these companies already and refused to investigate. Although this may be the case the disputes are different and factual in nature and the reasons for the disputes have been thoroughly documented in the attached letter. The issues were never disputed and different. I attached a picture of the letter since the letter was not certified mail I took a picture. 
On the dispute dated XX/XX/2020, I told Experian that they were late on my XX/XX/2020 dispute and to delete the information per the 30-day policy laid out under the Fair Credit Reporting Act I also raised additional disputes directly with Experian asking for an independent investigation under the Fair Credit Reporting Act of the following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Each dispute raised is different and although Experian responded to the XX/XX/2020 disputes they are in violation of the Fair Credit Reporting Act for denying me an " independent investigation '' with notes and documents by a real person and the failure to knowing and willing refuse to investigate is cause for deletion of the accounts and compensation for the act. 
Experian has not stated are attempted to provide an independent investigation with written documentation from a person stating how the above disputes and in my letters have been raised instead they are avoiding an independent investigation which is my right and now must delete the accounts and compensate me for each violation. 
Failure to delete these accounts is cause for a civil action of necessary and waives any and all prior negations, are agreements in this and all matters from here in forward.
Consumer complaint received 2020-05-19
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Williams, Alexander & Associates, Inc (NJ)

Derogatory balance last reported XXXX XXXX, 2020 of {$4900.00} by WILLIAMS ALEXANDER & ASSOC. Reports that the acct. remains open and not settled. Dispute resolved contingent upon goodwill removal of debt from all 3 credit agencies ; Settlement ( {$3800.00} ) negotiated and paid to original creditor XXXX XXXX XXXX XXXX XXXX. This has caused an enormous hardship in the wake of the COVID 19 and current unemployment status.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-07-07
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: CITIBANK, N.A. (CA)

Purchased an auto part XXXX XXXX XXXX XXXX for a XXXX XXXX  XXXX via XXXXXXXX XXXX located in South Carolina. Part showed up and was left at door. Shipment was refused and returned to XXXX XXXX. XXXX XXXX refused to credit my credit card. I filed a claim with CITIBANK who issued a provisional credit for the part. I provided proof to CITIBANK ; Postal Tracking information that the part was refused and returned, and received back by XXXX XXXX in South Carolina. 

CITIBANK contacted XXXX XXXX who acknowledged they received the part back but refused to issue credit back for the part and kept the part. The part cost {$1500.00} CITIBANK contacted me back and told me since the merchant ( XXXX XXXX ) refused to issue a credit, the provisional credit was going to be reversed and was now due. I asked them how they could possibly acknowledge everything I claims was accurate and still try to collect from me, and they told me to file a Lawsuit against XXXX XXXX to recover the money meanwhile I had to pay. I refuse to pay money for a part I do not have. It should be fraud and or outright criminal theft for a merchant to willingly keep both the part and the cash, and worse for CITIBANK to be unwilling as my credit card issuer to take no action against them.
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

XXXX XXXX claims that I owe them money for their service from XX/XX/2018. I have never in my life subscribed to XXXX XXXX. And I have had and maintain XXXX XXXX service at XXXX XXXX XXXX XXXX, FL. The debt is now with a collection agency called ERC and ruining my credit. I have tried to resolve it via disputes online to no avail. THIS IS NOT MY DEBT AND I WILL NOT PAY IT I have identity theft with the IRS as well and companies have breached my information. This is beyond wrong. 

Where was this service located?? Again, I have never owned a XXXX satellite or received their services nor anyone else in my home.
Consumer complaint received 2020-05-19
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. (MO)

Not sure if this was caused by me losing my wallet, or being a victim of the dark web and/ or the XXXX  data breach, however my identity has been compromised and the following accounts are unauthorized and unknown to me. Therefore, I'm demanding that these accounts be removed and blocked immediately from my credit files. 

1 ) XXXX XXXX  {$210.00} 2 ) XXXX XXXX  {$570.00} 3 ) XXXX XXXX XXXX {$5100.00} 4 ) XXXX XXXX  XXXX {$380.00} 5 ) XXXX XXXX XXXX {$50.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX  8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX  XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX  12 ) XXXX/ XXXX XXXX
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Account # XXXX on XXXX of 2021 I was late on my monthly payment due to XXXX. Me and my wife where both XXXX  during that time and unfortunately we were unable to make the payment. I called XXXX XXXX XXXX to see if they could remove my late payment and the representative that i talked to said they where unable to remove the payment. He said that even if I sent a good faith letter they would not remove it. I pleaded with him and let him know that the payment was missed due to being XXXX XXXX XXXX XXXX He went on to tell me that if I would have made the payment 2 weeks before hand this wouldn't have happened. I let him know that getting XXXXs where not in my plans and that if I forgot about the payment was because I was more worried about getting out of the XXXX XXXX  then making sure I made my payments on time. He then went on to make fun of my illness. That's when I asked him if I could speak to his manager. He took down my number and told me that the manager would reach out to me within 24 hours. Its been a week and still no call from the manager. I'm writing this complaint to see if you can remove this late payment from my report since XXXX XXXX XXXX will not do anything even under my circumstances. I hope you can find it in your heart to remove this for me. I would really appreciate it from the bottom of my heart.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been tiring disputing these fraudulent items on my Credit File since the Credit Bureas have never even cared about my disputes. I have been disputing the fraudulent items from my Credit Report for a long time while informing them that I am a victim of Identity Theft. The last letter I sent to the Credit Bureaus was on XX/XX/2022, urging the Credit Bureaus to remove these items that were opened due to the theft of my Identity. It is also as clear as daylight that the Credit Bureaus have been negligence of the FCRA section 605b and continued reporting unverified and fraudulent information on my Credit File! Is it that troublesome for the Credit Bureaus to take a look and investigate my Credit File? Despite the multiple written requests for them to investigate and remove these items, they have done nothing to correct my Credit Report! How many letters do I have to send to the Credit Bureaus for them to actually do their job? Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any account and information that resulted due to identity theft. The following accounts and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately : XXXX XXXXXXXX XXXXXXXX XXXX Balance {$11000.00} ; XXXX XXXX XXXX XXXX  Balance {$3300.00} ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (CA)

I am utterly frustrated to see that the Credit Bureaus have done nothing to remove the inquiries that were the result if the Theft of my Identity despite the countless written letters that I have been sending to the Credit Bureaus. It has been drawn out into the open that the Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that the Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Consumer complaint received 2022-07-07
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. (MT)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$4400.00}, XXXXXXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$6200.00}, XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1900.00}, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$450.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$270.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$350.00}, and XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$310.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX ( Original Creditor : XXXX XXXX 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
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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
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: Exeter Finance, LLC. (GA)

I noticed a inquiry on my credit reports from XXXX XXXX showing a credit card. I XXXX XXXX did not apply for a credit card. And I wish that its removed from my credit report due to fraud.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2022-07-07
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. (IN)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices SOC SEC ADMIN OFFICE O Account Number : XXXX Delete this account immediately as you failed to perform an investigation 3. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Failure to perform an investigation XXXX XXXX XXXX XXXX  Account Number : 51 Delete this account immediately as you failed to perform an investigation
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

While the XXXXXXXX XXXX XXXX  XXXX issued Guidelines regarding non impact of XXXX Score due loan restructuring in the event of Global Pandemic, My XXXX Score has impacted due to appearance of loan restructuring in the XXXX Report. When, contacted TransUnion Customer care, a request number has been generated regarding the issue and was said to resolve the same in 30 days. 45 days passed since the complaint raised. No reply nothing from TransUnion. Also, when tried to contact their Same old Customer Care Number it is saying invalid.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I need these hard inquiries removed from my TransUnion credit report as they are fraudulent and I am a victim of identity theft. They are listed below : Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXXXXXX XXXX  - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, 2022 - Bank ( XXXX ) XXXX See an error? 
Find out how todispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX