davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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.

A copy of my Bank statement, drivers license, and W2 for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MA)

Hi XXXX XXXX Sequium Asset Solutions/ XXXX XXXX / Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (WA)

I received a letter dated XX/XX/2021 indicating I had a new single point of contact with the person 's name and phone number, but the number is the general number for the company, not the person 's extention. There was a second number to use to " escalate an issue '' but that person never answers the extention. 

It feels like the letter was sent because it had to be sent, but the firm ( PennyMac ) really was just giving lip service to the requirement. The letter was at best confusing and at worst deceptive. My call about the issue was shuttled around with no real answer.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

There are too many hard inquiries on my credit report. I have been shopping around for a mortgage. I verified we have 45 days to shop around from the first inquiry that we make and it wont affect our score however each time I shopped around in the same day I had four hard inquiries added to my report. This was just on XX/XX/XXXX. I also noticed two years ago XX/XX/XXXX we were looking for financing for an auto loan and there are three hard inquiries on the same day in XX/XX/XXXX when we were shopping for financing for the auto loan. This should not be happening these are clearly errors can this please be corrected?
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

I am having trouble managing my account online with Experian. I have a registered account with Experian but I am unable to unfreeze/freeze my credit online. Experian website directs me to a telephone number to call ( XXXX ). When I call this number, I am unable to get a real person to help. The automated call system will direct me to the website, resulting in a senseless circular loop, and then disconnect the call.

I have tried this every week since XX/XX/year> to XX/XX/year>. While I understand I may be able to unfreeze/free my credit by phone, I wish to do so using the Experian website. To fix this problem, I need someone real to listen to and address my problem.

Experian has made it impossible to talk to anyone. Their automated phone system will not even allow the choice of speaking to someone, it will actually hang
up. At least XXXX and XXXX gives you the option to speaking with somone even if it takes awhile.
Consumer complaint received 2021-05-25
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. (CA)

There are many many accounts on my credit report that are not mine I have not applied for these nor signed or used any of these I am not even finding any cards like these with me I have opened an FTC for these I have Mailed out letters since XX/XX/XXXX and nothing is being done I am getting frustrated and I need help to clean this off my credit ASAP!!! 
XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$14000.00} XXXX XXXX  XXXX XXXXXXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$4800.00} XXXX XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$6700.00} XXXX XXXX XXXX -Acct # XXXX OPened XX/XX/XXXX Amt {$340.00} XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX - Acct # XXXX Opened XX/XX/XXXX Amt {$2300.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2500.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$1100.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$2000.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3400.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3000.00}
Consumer complaint received 2021-05-25
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: EQUIFAX, INC. (CA)

There are two accounts onn all three bureaus that are not mine They have never been mine I have not applied used or owned such credit cards I need this off my credit I have opened an FTC regarding this and I have sent out disputes to all bureaus and furnishers to remove these since they do not belong to me!!! 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hello. The account in question was closed due to fraud and was removed from my report. I still had to make payments on the balance i accrued. I no longer had access to this account online and no longer received statements as thr account was closed. I called in monthly to make the payments to pay the balance off. In XX/XX/2021, i called in, received the balance and paid it off to my knowlede. Since i paid the balance, i thought everything was taken care of and i was done with the card since it was already a closed account. I went on and no longer considered this account because to my knowledge the account was now {$0.00}. I recently received a notice that capital one reported this account to my credit for {$2.00}. When i called, i was told that at the end of the cycle, the account accrued {$2.00} interest. I never received a statement, an email, or a phone call informing me that the {$2.00} was still owed. I would not ruin my credit for {$2.00}. I have asked Capital one to honor my integrity in all the times i have paid and the fact that they provided no notice to me. I am trying to purchase a home and this is affecting me greatly. My credit is good and now has dropped XXXX pts because of this. Capital one is refusing to remove this, even though i paid the balance and they neglected to notify me.
Consumer complaint received 2022-08-15
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: SYNCHRONY FINANCIAL (MI)

Bought a guitar online, thought it was XXXX, but it must have redirected me to another place. Never received item, no response to my emails to the seller, so I filed with paypal for a refund. They sent me a confusing email about how I filed this complaint with my financial institution. 
ITS SAYS IT WAS PAID THRU PAYPAL CREDIT. 
They even charged me a {$6.00} fee. Looks to me that they are the bank. 
I just want my money refunded.
Consumer complaint received 2023-02-18
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, has violated my rights. 

15 U S. C 1681 section 602 A States I have the right to privacy 15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U S C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse litem of information other than records of convictions of crimes which antedates the 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating tc consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2022-11-19
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: Experian Information Solutions Inc. (NC)

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to 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
Consumer complaint received 2021-05-25
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: BMW Financial Services NA, LLC (AZ)

My credit score has been very negatively affected because someone fraudulently used my name, ss number and date of birth but a different mailing address to purchase a {$40000.00} loan for a XXXX through BMW financial services. I first noticed this in XXXX through credit monitoring that multiple inquiries had been made on my credit and a {$40000.00} vehicle loan had been taken in my name through BMW financial services on or around XX/XX/XXXX. The first payment had been made for the vehicle but none thereafter. I contacted BMW financial services on XX/XX/XXXX and they emailed me a letter identifying that they were doing an investigation into the situation. I filed disputes with all 3 credit bureaus explaining the situation. I received a reply from XXXX  at the end of XXXX indicating that the claims on my credit report would stay because BMW financial services told XXXX that they determined it was not fraud. I then received a call from BMW stating the same, that they had closed the case because they determined it wasnt fraud. When I pressed them to explain what research they had done and how they came to determine it wasnt fraud, they refused to provide me any information. I was told by them, however, that I could email someone at BMW financial services by the name of XXXX XXXX with additional documents requested by them and request to reopen the case. I complied with this request and emailed Ms. XXXX on XX/XX/XXXX with said documents and have never received a response. They would not give me her phone number. I have yet to receive a response regarding the dispute from the 2 remaining credit bureaus, but nothing has been removed from my credit reports and the person who fraudulently purchased the car in my name has not made a payment since XXXX of this year. 
I dont know what else to do to resolve this matter and it is destroying my credit that I have worked so hard to maintain in good standing. BMW financial services clearly do not care about my circumstances as they obviously did very little ( if anything ) to investigate and resolve this situation of identity fraud.
Consumer complaint received 2021-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Clarity services is portrayed to be the credit bureau they have my information and And placing me in a category with low income or fraud alerts I have no affiliations with either theyre misrepresenting me there gathering information on my financial information through XXXX and now clarity as a third-party is wanting to gather a credit report on me which I dont believe that they have any affiliation with me and experience
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system set up with XXXX. My payment was scheduled and authorized on time, but due to a glitch in the system, it was not processed until after the due date. This error was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statement showing the payment was initiated on time. 
Correspondence from XXXX acknowledging the issue with their payment processing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/24 my bank sent an alert that my credit score had dropped by XXXX plus points. I logged in to TransUnion Credit Bureau and my student loan from XXXX was listed twice. I did a dispute with transunion. I have also tried to contact XXXX today, XX/XX/24 with no results.
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

On XX/XX/2022, I was scammed through XXXX A person contacted me as a bails bondsman and I unknowingly sent {$2100.00}. Another transaction of {$800.00} was also sent on XX/XX/2022 to the same person. I contacted Wells Fargo within one hour of realizing it was a scam. I was given two case numbers. Weeks go by and I did not hear from my bank. I called them on XX/XX/2022 to check my claim status and was told that they are waiting for the receiving bank to reimburse my money. I have not heard anything back. I was not told who the other bank was. I was never notified about my cases.