davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (CT)

In accordance with the Fair Credit Reporting act 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 it lists me as an authorized user, and this account belongs to an ex-spouse.
Consumer complaint received 2023-02-01
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: OneMain Finance Corporation (IL)

2020 i discovered a fraudulent bank loan account on my XXXX credit report. I've been disputing this same account 2 years now till the present day. I've sent in countless police reports after police reports dispute after dispute. i had XXXX to put a fraudulent alert on my credit file. after these exhausting couple years of disputing with XXXX credit bureau gives me no hope to resolve this issue with one main financial lending intuition reporting a fraudulent account to my XXXX credit report. i pray this complaint gives me a great opportunity to see this fraudulent account removed. XXXX out of 2 years never mailed me the proof i requested in the 30 days to show me that this fraudulent account belonged to me.
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-05
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. (AR)

I decided to get my credit pulled due to a couple of bills I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2021-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I HAVE ALWAYS TRIED TO CALL WELLS FARGO AND WORK WITH THEM WHEN IT COMES TO FEES AND OVERDRAFTS. WE ARE IN A PANDEMIC AND CONSUMERS ARE TRYING TO GET BACK ON THEIR FEET ETC ETC. HAVING OVERDRAFT PROTECTION CAN BE HELPFUL SOMETIMES, BUT A CONSUMER LIKE ME TRIES TO BE MINDFUL ABOUT HOW I USE IT ESPECIALLY BECAUSE THE FEES DO ADD UP AND WELLS FARGO IS NOT VERY FORGIVING WITH THAT. AGAIN BEING THAT WE ARE IN A PANDEMIC, IT COMES IN HANDY AND I DO NOT MIND PAYING IF I DID USE IT AND IT IS REPORTED CORRECTLY. RECENTLY THOUGH I TRAVELED OUT OF THE COUNTRY AND PRIOR, I CONTACTED WELLS FARGO BY GOING INTO ONE OF THEIR LOCATIONS IN XXXX TEXAS TO INQUIRE ABOUT PURCHASES EUROS, I WAS TOLD I HAD TO DO IT A WEEK IN ADVANCE BEFORE TRAVELLING WHICH I DID NOT KNOW, I THEN CONTACTED CUSTOMER SERVICE TO INFORM THEM I WAS TRAVELING AND TO NOTED MY ACCOUNT BECAUSE I WILL BE USING MY CARD, SHE INFORMED ME I CAN USE MY CARD BUT DID NOT INFORM ME OF THE FEES I WILL BE CHARGED. WHILE OVERSEAS I STARTED NOTICING MULTIPLE INTERNATIONAL FEES BOTH CARD TRANSACTIONS AND ATM TRANSACTIONS. WHEN I RETURNED I CONTACTED WELLS FARGO AND NOTIFIED THEM OF WHAT I WAS TOLD AND ALL THEY SAID WAS THEY WOULD LOOK INTO IT AND NEVER GOT BACK TO ME AND STILL CHARGED ME WITH FEES. WELLS FARGO ALSO CHARGED ME SEVERAL OVERDRAFT FEES 3 FOR MULTIPLE TRANSACTIONS THAT WWAS NEVER POSTED FOR A XXXX XXXX THAT WAS NEVER SENT. I ALSO CAME BACK TO MY CARD BEING USED FRAUDULENT MADE A COMPLIANT AND MY MONEY NOT REFUNDED. I HAVE DIRECT DEPOSITS FROM SEVERAL JOBS COMING TO MY ACCOUNT ABOUT EVERY WEEK, BUT I REFUSE TO PAY UNNECESSARY AND UNFAIR FEES. EVERY TIME I CALL TO DISPUTE FEES THEY ASK ME TO TUEN OFF THE OVERDRAFT PROTECTION, MEANWHILE, THEY COULD BE REASONABLE AND MINDFUL OF THE FEES THEY CHARGE CONSUMERS. WEREN'T THEY RECENTLY IN THE MEDIA FOR FRAUDULENT PRATICES? ALL AM ASKING FOR IS FOR UNDERSTANDING DURING THESE DIFFICULT TIMES AND FOR THEM TO WORK WITH ME, I USUALLY DON'T MIND PAYING THESE FEES BUT THIS TIME IT IS OUT OF HAND, ESPECIALLY SINCE I FEEL I SHOULD HAVE BEEN INFORMED OF THE INTERNATIONAL FEES AND THAT I TRAVELED WHICH INTURNED CUASD ME TO BE SHORT ON FUNDS.
Consumer complaint received 2022-10-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I disputed inaccurate information that's on my credit report my XXXX XXXX XXXXXXXX opening date says XX/XX/XXXX on my XXXX and XX/XX/XXXX how can my information be verified and it's reporting two different information my payment history on XXXX and XXXX is not accurate with each other and it's not all listed date last active on XXXX is XX/XX/XXXX and XXXX it's XX/XX/XXXX violation of the fcra needs to be removed immediately My capital one XXXX has inaccurate information date open for XXXX is XX/XX/XXXX date for XXXX is XX/XX/XXXX Last active for XXXX is XX/XX/XXXX XXXX is XX/XX/XXXX there's no payment history in XXXX how can it be verifed from capital one showing different information needs to be deleted immediately violation of the fcra Both XXXX and XXXX stated that everything was accurate and verified how can I be accurate and verified when they are reporting two different things
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (FL)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-06-27
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. (TX)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off : XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX {$0.00} Collection : ( Original Creditor : XXXX XXXX ) XXXX {$0.00}
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you choose to not block the account listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 

Please remove/block the account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$190.00}
Consumer complaint received 2023-04-26
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. (WI)

See Attached Files... .I am a victim of identity theft. I have made NUMEROUS disputes with Transunion regarding fraudulent accounts being reported to credit report. I have grown tired of having to repeatedly dispute the SAME accounts as identity theft. Somehow Transunion has managed to " verify '' these accounts but won't tell me how they were verified which is my right by law. How is another company going to tell you I'm me?? Furthermore, the accounts that are reporting to my Transunion credit report are NOT being reported by the other two credit bureaus. So Transunion were able to " verify '' them but XXXX and XXXX couldn't?? Were SEVEN accounts somehow reported to ONLY Transunion and not XXXX and XXXX??? Please remove these fraudulent accounts from my credit report as they are not mine and are a result of identity theft. I have attached relevant documents including the consumer reports for both XXXX and XXXX showing proof that they are not reporting these accounts. By law, all credit reporting must be accurate and consistent. I look forward to your response.
Consumer complaint received 2020-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (VA)

I got a letter in the mail from " Central portfolio control '' company that they are trying to collect debt for " XXXX XXXX XXXX ''. This company bought what they claimed to be " my debt '' from " XXXX XXXX XXXX  ''. In XX/XX/2018 I filled an ID theft report because the latter bank and " XXXX  '' issued credits within one week on my behalf and the cards were maxed out. I discovered that there are two accounts under my name accidentally as I noticed my credit score was dropping. Both accounts were opened in XXXX, while at that time I didn't even live in NY. Unfortunately, I don't check my credit report often so missed these fraudulent accounts for months. I issued ID theft report, put a fraud alert on my account, and contacted XXXX  and XXXX. After few months these fraudulent debts were dropped from my report. Few months ago I noticed that there is a debt collector who bought the debt from " XXXX  XXXX XXXX  '', trying to collect ( {$800.00} ) and again it showed on my report. 
I don't know how these banks opened these accounts on my behalf without verifying my identity. I'm sure that the purchases can be traced to show that this was an ID theft crime and these banks are contributing to the fraud by being reckless.
Consumer complaint received 2021-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacted TransUnion after i sent a letter to them requesting the following unauthorized inquiries be removed and the customer service department and fraud department were not helping me get this removed. I have continually informed them that I was a victim of the inquiry issue they had and the following are not authorized to be on my account. 

XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion
Consumer complaint received 2021-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

We paid our mortgage loan off with Colorado Housing and Finance Authority ( XXXX ) in XXXX of XXXX. XXXX is serviced by XXXX XXXX  XXXX. I initially opened this mortgage loan in XXXX. We were informed that the remaining amount of {$3500.00} in our escrow account would be refunded to us immediately. The Escrow refund check was supposedly sent out on XX/XX/XXXX. We were told that we had to wait 30 days to request a stop payment on that check in order for a new one to be reissued. 

On XX/XX/XXXX, we contacted XXXX to have the stop payment put on the check and request a new check issued as they stated they would do after the 30 days. Then we were informed that the check could not be reissued for ANOTHER 30 days, bringing us to XX/XX/XXXX. We called on XX/XX/XXXX to again request the reissuing of the escrow refund check. They said they will submit a request to have the check reissued. Called on XX/XX/XXXX to verify that check had been reissued and the representative said it had not been issued out yet. 

On XX/XX/XXXX, I again called and could not get an answer from anyone on the status of the check. Over these NUMEROUS phone calls between XXXX and I, I have also requested to speak to a Supervisor in which I was always transferred to a voicemail. I have NEVER received a return call from anyone at XXXX. There is also a consistent issue of a rep putting me on hold to look in to things, only to transfer me to another rep to start the whole thing over again because they simply did not want to deal with the problem. Furthermore, my wife, who is authorized to speak on my behalf has always been able to discuss the account. The account is now archived, even though our escrow has yet to be refunded to us, and suddenly she can no longer speak to anyone about the account. I am unsure how businesses can close and archive an account when there is a refund still owed to the customer. 

We have got the complete runaround for more than 3 months now on our escrow refund check and nobody at XXXX/XXXX has taken the effort to actually send us a refund check or actually address the issues by getting to the bottom of what is actually going on. This is the absolute worst experience I have EVER had with a mortgage company. Refinancing with another company, for half the interest rate and excellent customer service, was the best thing we ever did. After reading numerous other complaints about the same exact issues, I would suggest that the appropriate agency needs to investigate how this companies manages money and their accounts.
Consumer complaint received 2022-09-18
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a 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.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have sent 3 separate verification letters asking for documents that can verify the debt is owed by me, date of purchase with purchase agreement, contract that i signed with original creditor. they CAN NOT supply the requested information. they made a letter saying they bought this debt and added a screen shot of an old bill, an old bill screen shot is not verification. They are claiming I have 4 accounts with them and can con provide me with proper documentation. They are reporting on my credit report and hurting my good name.
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (NJ)

Hi, I have recently closed my Wells Fargo Account after being a member with them since XXXX. The reason being is because on several occasion I have been a victim of fraud and they have not ever paid me back for all the occasions in which I complained. I want to know if Im eligible to receive my money back for the times I was taken advantage of.
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc. (NC)

I worked for a XXXX XXXX  where you can purchase from there site one you earn enough pointsThe same computer that we are supposed to keep track of each resident care plan my log in information was left in the computer where someone got into my account and purchased items that I wasnt even aware until my credit report was pulled upon me getting ready to purchase a home an that being on my credit has been hendering me on my purchase do to that being on my credit
Consumer complaint received 2022-07-29
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. (PA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.
Consumer complaint received 2021-03-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: EMCC Holdings, LLC (MO)

Equiant  ( XXXX XXXX ) haven't respond to none of my letters to get out of the time share when I was only 2 weeks in the time share from XXXX  XXXX  I never received a responds and been trying to go so many ways to get out of XXXX XXXX time share, do to lost of my home because of lies of the XXXX XXXX, I have talk to multiply people at XXXX XXXX said they received the letters and would get back to me by letter or call they also lied about that as well, now I'm really in debt do to covid-19 struggling with XXXX kids. please i just want this account completely deleted off my credit.