davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
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)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2020 Balance {$12000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/2020 Balance {$1900.00}, XXXX XXXX XXXX  XXXX Date Opened XX/XX/2020 Balance {$1200.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/2020 Balance {$7500.00}
Consumer complaint received 2023-04-18
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. (FL)

I've found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-01-27
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: SYNCHRONY FINANCIAL (MO)

I am writing to request the removal of unauthorized credit inquiry. I did not give permission to this company to do a inquiry on my credit. It is in violation of the fcra and my privacy i have made many attempts to resolve this thru the bureau and contacting the company. Please remove.
Consumer complaint received 2023-04-18
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/2022 XXXX : {$210.00}. Please delete.
Consumer complaint received 2024-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Advantage LNS Inc. (TX)

My identity was stolen, and this account was opened fraudulently. The company sent me verification that the account was opened, but it was not me who did it, but whoever stole my identity. I want this account removed from my credit report as soon as possible.
Consumer complaint received 2023-03-23
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 — Their investigation did not fix an error on your report
Company: AutoNation Enterprises Incorporated (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. CIG FINCL XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2023-01-27
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: Premium Credit Bureau (MO)

I am writing to request the removal of unauthorized credit inquiry. I did not give permission to this company to do a inquiry on my credit. It is in violation of the fcra and my privacy i have made many attempts to resolve this thru the bureau and contacting the company. Please remove.
Consumer complaint received 2021-02-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (AZ)

I refinanced my existing mortgage with Wells Fargo, choosing to keep my mortgage with Wells Fargo. My loan officer and mortgage processor, XXXX XXXX, were excellent and very responsive. The problems began with my Mortgage Closer, XXXX XXXX. Although she called and originally said she scheduled me to close on XXXX XXXX, no one showed to my home appointment. I emailed my mortgage processor whom contacted XXXX 's supervisor. He called on XXXX XXXX about XXXX AZ time and said he would follow up but I never received a call back. XXXX XXXX, finally contacted me on Monday, XXXX XXXX and said she didn't know what happened with the previous appointment but she rescheduled my appointment to close for the next day, Tues. XX/XX/XXXX. She asked me to review my updated Closing Disclosure ( CD ) form by XXXX XXXX on the Wells Fargo website. I had made my XXXX payment on the XXXX and looked for the updated payoff amount on the CD and it noted cash back to borrower of {$1800.00}. The notary that arrived on the XXXX and provided a CD form that reflected a cash back of {$280.00}. I commented this but signed the form anyhow after the notary showed me the acknowledgment that said the packet CD did not replace the CD provided by the lender. Shortly after reviewing the recorded payoff of the original loan, approximately XXXX XXXX, I emailed XXXX XXXX as she had sent me an email on XXXX XXXX letting me know the new mortgage account was being established. I asked her about the difference in cash back and she responded on the XXXX, stating she had forwarded the email to XXXX XXXX, as she was the contact for closing documents. I did not hear back from XXXX, emailed again on XX/XX/XXXX finally a third time on XXXX, stating this would be my final attempt. She called me at XXXX XXXX AZ time on XXXX and listened to my concerns regarding the difference in payoff amounts that dramatically changed the cash back due to me, a variance of {$1500.00}. She noted how the payoff letter from Wells Fargo dated XX/XX/XXXX matched the updated XXXX she uploaded into the Wells Fargo application status website. She said she would speak to her supervisor and I would hear from her the following business day. She never responded and I emailed her again on XXXX XXXX. XXXX responded within 8 minutes, stating the CD she provided the title company ( and me ) was not balanced and incorrect. I emailed her, asking to speak to someone that could explain the incorrect, out of balance, CD to me and she called me early on Tuesday XXXX XXXX, saying she had contacted the funder and found the discrepancy and she didn't know exactly when I would receive the remaining {$1500.00} but either the title company or funder would send a check. I asked her to please email me, documenting all the details of how this discrepancy happened, whom had the funds, etc. because I felt a record of this was necessary. As of today, XXXX XXXX, I have not received an email, a second phone call, nor check for the closing difference.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Skopos Financial, LLC (TX)

On Friday XX/XX/XXXX Skopos Financial LLC marked my paid off account as delinquent and XXXX  days past due when they could not provide an accurate amount because I have already paid my account. It has cause major damage to my credit score that I have worked so hard to build back up. I called to try to have the problem resolved but no one could give me an answer. I have not had a late payment since XXXX.
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MA)

This Is From The Fake XXXX XXXX Had The phone Since XX/XX/2020 Was Being hacked, And setting all Put Offs. And Was a {$400.00} Phone I Contact The XXXX XXXX, And XXXX And did Nothing For Me I Had XXXX  For XXXX  Years Until I Had A Fake XXXX In My House In XX/XX/2020 Got Money For My Home Se-vices. But I Decided Not to pay {$50.00} Cause The XXXX  Was Shutting My Data Offs And Making my Bill Higher. They Wanted Me To Go To Collection?? Cause Of Retaliation. Cause XXXX And XXXX And XXXX XXXX XXXX XXXX I Knew XXXX Before. And They Would Get Their Walking Papers.?? 
I Contact The XXXX. Data Breach .And Crashing My Computer too They Should Be In Jail. I Contact XXXX XXXX In credit collection Sevices. And let Her Know I Have Evidences And Witness Too. 
From XXXX  And FTC And i Contact XXXX XXXX. The Fake CEO Want To Have This Removed. The Phone All Pay Offs. 
They Wont Do It To a Guy?? And XXXX Saying Your a Tough XXXX. 
They Have lost XXXX Customers Cause Of The XXXX. 
Hope You Will Help Me With This Problem.
Consumer complaint received 2021-10-29
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: Affirm Holdings, Inc (GA)

I purchased an item online. I selected afterpay. I received a credit inquiry and loan of XXXX dollars from Affirm. I did not authorize this loan. I had no intentions of receiving a loan. I only attempted to split the payments. I reached out to Affirm to request the loan and inquiry be removed. I was denied. I have received a loan from Affirm in the past and I was made aware I would be receiving a loan and the correct steps were followed in the past. This time, Affirm violated my rights and gave me a loan I did not request. I have a inquiry on my credit without my knowledge for a XXXX dollar loan.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CO)

JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX I do not know the above names. This has shown up on my credit report. The only debt this could have been was XXXX XXXX from 2021. The debt at the time was under the credit limit of {$700.00}. I contacted XXXX because I was locked out of my account. They refused to grant me access to my account so that I could make a payment. I got a new phone and could only access the account through phone verification. I let the company know that I became XXXX and can not work. The company refused to work with XXXX XXXX XXXX. I have been paying all outstanding debt in payments to XXXX XXXX relief for the past 14 months.
Consumer complaint received 2023-01-27
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. (PA)

Hello how are you today somebody opened an account in my name with XXXX XXXX XXXX  back in XXXX that I have been trying to dispute for years explaining to them and the credit bureaus but it keeps coming ing back verified cause. All my information was used I had lost my wallet or someone else stole it. Well it was was charged off but I keep telling them it's not my debt I never open with them I have been informed that this account was removed for my XXXX credit report because I had disputed this account back on XX/XX/XXXX and it was removed XX/XX/XXXX for the company they sold it to. The name is XXXX XXXX XXXX so I have reached out to XXXX XXXX today spoke to an agent over the phone he told me that this has been settled and removed almost XXXX  years ago and would request for there partners XXXX  to to be deleted from my report he also sent me an know obligation letter out this is just XXXX  unbelievable I'm so frustrated in stressed out because of this XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I know I should just keep that part to myself sorry but that's how I felt I'm glad I didn't though but yeah like I was saying it's still being reported on experian and XXXX XXXX but has been removed on XXXX I need help they say in this world the truth will set you free well hear it is I feel like they just keep it on there cause it was once verified but that's not fair cause it's not mines I did not open that account every account I if they would just reach out to XXXX XXXX  they would know Then when I call XXXX XXXX in spoke to them over the phone yesterday they say they have nothing to do with this account they even sent me letters but why it's not mine I just need help thank you again .....
Consumer complaint received 2022-01-07
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (DC)

The credit bureau failed to verify the collection account I.C. SYSTEM, INC ( account number XXXX ). I have mailed the following letters to XXXX to dispute this inaccurate information on XX/XX/2021, XX/XX/2021, and XX/XX/2021. Please remove this inaccurate information.
Consumer complaint received 2021-10-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 at XXXXXXXX XXXX ( P.S.T. ) I received an email from Bank of America stating that " you're credit card application has been approved. '' I have one existing credit card ( a Visa card ) with Bank of American but I never at any time requested a second credit card. I phoned Bank of America at XXXX XXXX ( P.S.T. ) on XX/XX/2021, which is when I became aware of the email that they had sent me the previous afternoon. After being transferred multiple times, and staying on the phone waiting for about an hour, they finally cancelled the card and said that I will receive ( in about 45 days ... ) the information that I will need to fill out a police report. 

My complaint is specifically with Bank of America. I believe that Bank of America itself did one or both of the following : 1. They allowed a fraudulent application for a credit card to be processed in my name, while never contacting me or activating safety protocols that would have stopped the process immediately, OR 2. Bank of America, without my consent, knowledge, or authorization opened a second credit card in my name. 

Bottom line, Bank of America 's negligence and failure to exercise due diligence is directly responsible for this happening.
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-11
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. (NV)

I want to inform the Experian and XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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
Consumer complaint received 2020-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IL)

My job at the XXXX just dropped my payroll check into my account and my bank did not think I knew so they keep trying to slide it out before I can verify that it is there. Some of the employees are biased against XXXX and as a result they keep trying to steal their deposits at Goldman Sachs USA. They are also doing a mass layoff so those fearing this are stuffing their pockets with anyones money they believe an oversight wont notice
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

n accordance with the fair reporting credit act these accounts has violated my rights ( public record reference number XXXX bankruptcy XXXX XXXX account number XXXX ( XXXX XXXX XXXX XXXX account XXXX ( XXXX  balance XXXX XXXX account XXXX. ( XXXX XXXX XXXX account XXXX. ( XXXX  balance XXXX XXXX  account XXXX XXXX  account XXXX  ( XXXX  balance 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 i have disputed and have prepared my documents for damages after disputed it has been told to me that this information was furnish by the furniture. i submitted a letter from the court stating that this info is not shared nor does it has any information as such the court does not share this or report this information to anyone. this is a lie and i want it removed immediately i have been extremely challenge credit wise want is owed to me.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I received a call from a number stating that they wanted to hire me because I am looking for a job, they interviewed me and then they told me I had to get XXXX app to get me started since it was a remote job. They told me they would send me a check to by the apps I needed to do my job at home, and the check was mail to me and they asked me to do the transfers and the XXXX transfers and then I realized I didnt want to do this anymore because it was not to the same vendor and I fell uncofortable so I told him I didnt want the job anymore ; but the following day I received a text stating that the check had bounced and I was charged for the {$4500.00} I had made transfers for, I contacted my bank immediately explained I was scammed ; after 10 days the bank sent me a letter stating that they were not able to help me because I made the transfers which I explained to them that yes I had made does transfers but thinking I was hired by XXXX.
Consumer complaint received 2020-09-03
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. (LA)

The account XXXX XXXX XXXX is reporting incorrect balance in the amount of XXXX and payment history information to the Credit Bureaus. This account has been paid in full since XX/XX/2020.
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I activated an offer on XXXX  on my credit card for a 10 % cash back ( max. {$45.00} ) at XXXX on XX/XX/2022 and made a purchase using said card directly with the merchant same day. 

Note that the cash back promotion deal only states : " Offer expires XX/XX/2022. Payment must be made directly with the merchant. Offer not valid on third-party services. Payment must be made on or before offer expiration date. '' I inquired with a Bank of America representative about this issue on the evening of XX/XX/XXXX who was unable to resolve my concerns about the deal and told me to call back the following day. I called again on XX/XX/XXXX and the Bank of American representative informed me that I was ineligible for the cash back promotion due to the posted date being a day late despite the transaction date being on XX/XX/2022. 

Please note that the promotion does not specify the date in which the payment needs to be posted by. Only that a payment needs to be made on or before expiration date which should include any pending/processing transactions.