davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Back in XXXX I distribute XXXX transactions from XXXX. Wells Fargo made a decision and finizile the case end XXXX last month. XXXX pur XXXX balance on my account I lost the transaction according to wells fargo wells fargo refused to contact XXXX tell them this case is finalized XXXX waiting on well fargo to respond to this case wells fargo told me they not allow to send XXXX email of this case being finalized XXXX said they waiting on the bank to respond the bank refused to contact XXXX now my account negative cause wells fargo refused to contact XXXX about this finalized case once wells fargo contact XXXX my account from XXXX will be back positive on XXXX wells fargo owe me a cashier check of {$580.00}
Consumer complaint received 2022-07-22
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$11000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have contacted Transunion, and XXXX online, and/or on the phone, they had both decreased my score, 13 points after my overall debt DEACREASED, the points were put back, however, they have been doing this over the course of 8 months, I had been paying down my debt, I would see great your debt has decreased by X amount of dollars, then followed by my score DECREASING rather then increasing! My scores were close to 640, the only accurate score is that of XXXX. They have not looked into previous decrease errors in my score, and I am tired of sitting on the phone, not getting return emails, constantly getting robo responses rather than listenting and looking into my actualy complaint. It is unfair and incorrect, fraudulent practice I have never seen before in my life and I keep tabs on my credit report.
Consumer complaint received 2023-03-14
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: 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. 

Account name : XXXXXXXX XXXX  XXXX Date : XX/XX/2021 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (TX)

i lost my phone on XXXX XXXX around XXXX in the morning during an XXXX ride home. After i woke up around XXXX XXXX i notice multiple transactions on my XXXX bank account statement. i filed a police report for theft. through out the day i have changed multiple passwords and login information and i put a credit freeze on my credit through the three credit brueros as soon as possible. through the next day i was on the phone with apple, XXXX XXXX and XXXX multiple times. apple had some large charges using my apple pay and other forms of payment. XXXX  had a XXXX dollar request from my XXXX account to be transferred to a XXXX XXXX who i have no idea who this person is. two large payments of XXXX dollars and XXXX dollars where transferred from my XXXX to XXXX and used to make multiple purchases at a XXXX and XXXX. on XXXX XX/XX/XXXX around XXXX i noticed that i actually had an apple credit card created on XXXX XX/XX/XXXX the same day i lost my phone. I DID NOT apply for this credit and I DID NOT make any of these transactions. I have no idea how but the person who has my phone used my identity to open a Apple Credit Card and a Apple Cash card in my name. i am in the process of buying identy protection from XXXX and also working with Apple to correct what has happened.
Consumer complaint received 2022-07-22
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 drawn out into the open that you 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 you 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. 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. 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 XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2022-09-21
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: CITIBANK, N.A. (OH)

I received a letter in the mail today from Citi Bank regarding an application for a Citi Customer Cash Mastercard account, which I did not apply for. The letter is dated XX/XX/2022. I have never done business with this company nor did I request to have an account with them. I'm unsure of how they obtained my information and would like proof from them that I applied for this credit card. The letter was sent to a previous address that I have not lived at in a year.
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

XXXX of XXXX  I spoke to the creditor because it was a closed account that showed a ballance so I made a deal with them to pay a lower amount and they would except it and call it closed and showed a XXXX balance. I paid the money and got a letter that said it's paid and it showed correctly for 2 months on my credit report and then for XX/XX/XXXX  it showed as being a closed account but it said I had a 30 day late payment of XXXX dollars of the balance that they said would be expunged. I have a letter that says it's paid as per our agreement so I called the credit company and they said they didn't report it and they can't do anything about it. This brought my credit score down XXXX points in one swoop. I did the right thing and now they need to do the right thing and take it off my report!
Consumer complaint received 2020-11-24
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like Capital One XXXX and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.
Consumer complaint received 2021-06-11
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

A hard inquiry from Capitol One popped up on my credit report allegedly on XXXX which I have no knowledge of whatsoever. Called capital one and they said they have no info about this so they asked me to call the XXXX, XXXX and XXXX directly. I filed a dispute claim with XXXX online but XXXX and XXXX said the Capital One need to send a letter so the hard inquiry disappears from my reports. Tried hardly again to reach Capitol One and after long wait and transfer from multiple departments I was transferred to the application department and literally waited for one hour before giving up.

Need Capital One to contact transion, experion and equifax directly to remove this fradulant hard inquiry made on my behalf which I have no knowlwdge of.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have filed a identity theft report, about Capital One issuing XXXX credit cards on my credit profile, which i did not authorized on XX/XX/year>. I would like for Capital one to remove these immediately. Otherwise i will go through the legal system and sue for defamation of character, damages done for my quality of life, and all other damages permitted by law.
Consumer complaint received 2022-07-22
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. (LA)

I submitted a complaint last XX/XX/2022 to remove : ( ), which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$400.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$500.00} ; XXXX XXXX {$10000.00} ; XXXX XXXXXXXX Balance : {$460.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$4000.00}
Consumer complaint received 2022-07-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION (PA)

I am from XXXX and went to XXXX, Delaware at Check n Go to apply for a payday loan, XX/XX/XXXX. I was approved for a loan amount of {$3000.00} with payments of {$300.00} due every two weeks for 37 weeks. I thought that was an outrageous amount as I have had loans before and never had to pay that much, ever! The agent said it was because of the interest. Back around XX/XX/XXXX, I called Check n Go asking for the payoff amount thinking it would be about {$1800.00} bc I made about {$3300.00} worth of payments. However, the lady that answers says the payoff amount is {$3100.00} and some cents, I said how and she says all the payments have went to interest you shouldve been paying more if you wanted the payments to go towards the principle. I said if you all put more towards the principle the interest wouldnt stay so high and keep accumulating it will take forever to payoff. Her response, yes thats why we say pay more and I told her I was never told that and the {$300.00} was already too much every two weeks and that it was a rip off! My original loan officer told me I could pay off the loan early and it will save on interest but if the amounts were paying are only going to interest then the principle is never paid down and it continuously accrues interest. I wanted to pay the loan off that day so I would not have to keep making these outrageous payments but could not because the amount was still more than I borrowed even though I had already paid back more than I borrowed. Also, they reported this loan to the credit bureaus and I was unaware that this would go on my credit, I have never heard of a payday loan posting to a credit report, I was shocked when an inquiry occurred let alone an account posting to my credit.
Consumer complaint received 2022-09-20
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: Experian Information Solutions Inc. (FL)

Fraudulent inquiries on my credit report that I do not recognize. Here are a list of them and their dates. 
Reporting on Experian Credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX some accounts are on my credit file more than once some are on there 3 times.
Consumer complaint received 2021-03-20
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. (PA)

I have previously disputed an account with this company which was sent on XX/XX/2021 and they received on XX/XX/2021 at XXXX XXXX. My Complaint is they stated the account was " Verified '' but the Status when it was last reported didn't Change. The date ( XXXX ) still remains and they violated FCRA laws by not Properly Conducting a full investigation and Updating the Status to the most recent date. If they really did an investigation they Should have updated the date to notify me they did the investigation following the FCRA rules. I both accounts removed from my credit report Or I will follow my lawyers advice and pursue legal action I saved every letter and note since I started to complain about this so I'm taking this very seriously
Consumer complaint received 2020-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: MUFG AMERICAS HOLDINGS CORPORATION (CT)

I have a savings account with Purepoint Financial ( " Purepoint '' ), a division of MUFG Union Bank, N.A. ( " Union Bank '' ). The latter 's website states that I may request from Union Bank and its affiliates a document called the " Verification of Deposit '' ( VOD ) for my account, which verifies various types of account information, including the average XXXX balance, among other items. I have attempted to request this document for immigration purposes, and have encountered unreasonable difficulties as a result of Purepoint 's deceptive practices in and blatant refusal for honoring its own corporate policies. 

I initially requested the VOD on XX/XX/2020 over the phone from Purepoint. The document I received was merely the " Verification of Deposit Request '' form, and not the actual VOD itself. I called Purepoint again on XX/XX/2020 to again request the VOD. The customer service agent repeatedly and falsely insisted that what I received was the actual VOD document, even though the form I received was nothing more than a fillable PDF form freely modifiable by anyone, and it clearly states that it is a request form to be faxed to XXXX for requesting the VOD. A similar form with the same fax number is in fact freely available for download from Union Bank 's website.

I did fax in the VOD request form given to me, and received a response stating that the request could not be processed because of incorrect social security number and incomplete account number. The former is simply false, and the latter is because the form provided to me does not permit inputting a full account number. After requesting to escalate the matter, I received a call from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX from Union Bank, who advised me to use the Union Bank 's VOD request form, which does permit inputting a full account number. My resubmitted request for a VOD has generated no response even though the specified XXXXbusiness-day time frame has passed.

I again received a call from a customer service agent from Purepoint on XX/XX/2020. This time, instead of insisting that the document I was given was the actual VOD, I was simply told that I can not request a VOD, which is categorically false according to Union Bank 's own policies.

I have been a customer of Purepoint since its inception as a division of Union Bank, and have always kept a substantial balance in my account. I am deeply disappointed and gravely appalled by the level of dishonesty as well as the glaring disregard to corporate policies and customer needs this bank engages in, which have caused me enormous frustration for simply requesting a well-established document that verifies my account and deposit.
Consumer complaint received 2020-09-18
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. (GA)

XXXX is reporting information incorrectly. The account was settled in XXXX but the rep didnt apply it to the right account so it looked like O had a credit on one and debt on the other. I also settled many accounts after my bankruptcy and asked that they be removed. Yet EXPERIAN is keeping them on there as PAID BUT SOLD TO A OUTSIDE AGENCY. Or WAS WRITTEN OFF BUT NOW PAID. Like XXXX XXXX, XXXX, XXXX, These accounts were settled but EXPERIAN IS NOT REMOVING THEM. XXXX XXXX which I proved is reporting inaccuracies. I paid the SECURED DEP but they never applied it. So THATS why the account wasnt open. Please Help
Consumer complaint received 2022-07-22
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)

It has been drawn out into the open that you 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 you 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. 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. 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 XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX