davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

These consumer reporting bureaus have continued to defame my character since I have never given written authorization to share any of my personal information including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only my character, by causing humiliation, stress and health issues. Please investigate and delete it to my credit report. No record of this BANKRUPTCY is to be added back ever again. I request to removed within the next 5 business days and send me an updated consumer report after deleting said BANKRUPTCY.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I reported fraudulent charges on my account in Early XX/XX/XXXX. I received notice on XX/XX/XXXX that Capital One denied me credit for those charges. I put in another request the same day ( XX/XX/XXXX ) and they said it would take 10 days. It is now XX/XX/XXXX and I still have not gotten any resolution to this problem.
Consumer complaint received 2022-07-13
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. (PA)

These accounts/inquiries are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these requests whatsoever. Please remove these alleged inquiries as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent inquiries. Please delete these alleged inquiries as they are causing a substantial amount of harm and inconvenience to me as consumer.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. (NJ)

I requested a transfer of $ XXXX from Ally saving account on XX/XX/2022 to my external account ( XXXX, ending in XXXX ). The transaction ref # is XXXX. Somehow the transfer was not successful ( it is shown as Skipped ) and my XXXX account is shown as suspended in Allys website. I contacted Ally and was told the reverse was initiated on XX/XX/XXXX. I didnt see the money back to my account on XX/XX/XXXX and contacted Ally again on XX/XX/XXXX. I was told the money should appear in my account on XX/XX/XXXX. But there is no trace of refund at all. I called numerous times and was just given a reference number of case being investigated. My complaint points are XXXX ) Why would Ally even start the transfer if they thought my XXXX account suspicious and suspend it? 
XXXX ) Why no notice at all, no phone call, no message, saying they cancelled the transfer and any reason for that? 
XXXX ) Why was the refund/reverse taking so long? It is my money. I am suffering from the insecure feeling of losing the money ( and interest ). And I might need it in a couple of weeks.
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (TX)

I submitted a letter to Equifax on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXXXXXX XXXX XXXX : {$6200.00}
Consumer complaint received 2022-12-24
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. (PA)

After Reading 16 CFR 313.18 & 15 USC 6801 thru 6805 - I realized that I was never given the opportunity to OPT OUT. All credit reporting bureaus are 3rd party vendors. Third Party reporting Bureaus are not permitted to share personal information such as transaction history, account limits, balances. They are allowed to report that the account exist. I am seeking to have the corrections to my report since this is a DIRECT violation of my consumer rights.

Pursuant to 31 USC sec 3123- All public debt is a government obligation and is to be discharged dollar for dollar.

15USC 1666 a - ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent XXXX not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount XXXX not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.
Consumer complaint received 2022-07-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Missing Transfers from XXXX XXXX to Pentagon FederaXXXX Accounts XX/XX/XXXX- I noticed my Pentagon Federal accounts were missing funds. 
{$990.00} missing from savings {$990.00} missing from checking XX/XX/XXXX I emailed documentation of the transfers through XXXX XXXX secure document portal showing the two completed transfers from XXXX XXXX to Pentagon FederaXXXX on XX/XX/XXXX. Pentagon Federal Case # XXXX. 

XX/XX/XXXX Received an email response from Pentagon Federal saying they were unable to assist and I should contact XXXX XXXX. 

XX/XX/XXXX I contacted XXXX XXXX. I was told that the transfers were completed on XX/XX/XXXX. 

XX/XX/XXXX I called Escalation Analyst XXXX XXXX at Pentagon Federal. He said he would check on the issue. 

XX/XX/XXXX I called XXXX XXXX at Pentagon Federal and was told The funds were rejected. XXXX XXXX XXXX. 

XX/XX/XXXX I called XXXX XXXX and was told the funds were transferred XX/XX/XXXX at XXXX pm. The funds were not rejected. 

XX/XX/XXXX I called XXXX XXXX at Pentagon Federal. He said he would reach out to another department and get back to me. 

XX/XX/XXXX XXXX XXXX at Pentagon Federal told me that the transfers made on XX/XX/XXXX through XXXX XXXX were rejected by Pentagon Federal on XX/XX/XXXX. There was nothing he could do. He suggested calling XXXX XXXX. 

XX/XX/XXXX I again called XXXX XXXX, again giving them MTCN number and date of the rejection. The XXXX XXXX representative said they never received the rejection.
Consumer complaint received 2022-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Back in February I co signed for another person to get a vehicle. The car dealership wan only supposed to go with XXXX XXXX however my credit was hit with nine different inquiries and XXXX XXXX was on my credit report 2 times. The following inquiries were on my report as follows : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXl XX/XX/2022 I did not give any consent to the other inquiries and believe the dealership did this to find the best deal however I was not notified at all when my credit was run XXXX different times.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX  XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$600.00}
Consumer complaint received 2023-04-14
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. (OK)

It is our contention the big 3 credit reporting agencies XXXX, EQUIFAX and XXXX are knowingly or unknowingly complicit in credit defamation against me by publishing inaccurate / invalid information on my credit report. XXXX especially has been instrumental by consistently publishing inaccurate / invalid information on my credit report provided by XXXX XXXX XXXX XXXX ( XXXX ) since we closed both accounts XX/XX/XXXX. Moreover we included XXXX accounts in bankruptcy, of which XXXX did not file a claim. As such we contend that since XX/XX/XXXX each credit reporting agency XXXX, EQU XXXX XXXX have defamed our name reporting invalid /inaccurate data for which they can not prove in a court of law as factual or true. These agencies " merely " " verify '' accounts through the furnisher. Under the law, XXXX, EQUI and XXXX are required to " validate '' the accounts furnished by XXXX or delete them from my credit report. 

I have reached out to each credit reporter over the last several months, XXXX claims the accounts are true, which we find hard to fathom as fact, given the fact that the furnisher XXXX has yet to provide us true/ accurate / court admissible evidence per the FDCPA some 6 months after our written request made to XXXX XX/XX/XXXX. ( attached ) As such we contend these credit reporters are in violation of the FCRA.
Consumer complaint received 2022-07-13
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. (SD)

I've called all these companies and told them I never applied for or tried to open a account with them and I never authorized a hard inquiry from them. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XXXX of 2022, I contacted the student loan service department concerning accounts showing as late payments and was assured this was not from their reporting. My actual account information from the loan servicer shows the accounts are in National Emergency Forbearance Act and never late. However, the credit reporting sites continue to have this erroneous information on my report. I have requested it to be removed to no avail. Please correct this information as it is causing emotional stress to me. 

Warm regard, XXXX XXXX
Consumer complaint received 2022-05-20
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. (NJ)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed a dispute in regards to the incorrect terms on my credit report. It has been well over 30 days and I have not received any investigation results.
Consumer complaint received 2022-08-01
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo reps claimed to have addressed issue ( s ) pertaining to non-receipt of payment from their remediation department, payment for damages caused by unauthorized accounts opened by Wells Fargo reps under my name including checking and savings.. I can assure the CFPB Wells Fargo extent to addressing issues includes referring to check as cashed in my name, in which case, check was cashed fraudulently by someone using my name, not addressed by Wells Fargo reps ... Further, check in amount of {$5100.00} was sent to old address after I moved, in which case Wells Fargo reps have not addressed this fact as well. Also, address was not verified which is an error on end of Wells Fargo, not addressed prior.. Another issue not addressed includes IRS reporting of payment, in which case Wells Fargo reps refer matter to a tax professional whom in turn advised IRS reporting including 1099 form needs to be corrected to show no payment received or I will have to pay taxes on amount not received.. A second option would be for Wells Fargo to reissue check ... In closing, Wells Fargo reps opened another checking account as well as savings which was recently closed out, overdrawn in amount of {$190.00} which includes two external funds transfers in amount of {$50.00} as well as a provisional credit reversal in amount of {$290.00}. The provisional credit was issued due to a debit card dispute in this amount, a purchase from XXXX which was not received, package lost/stolen. Further, the signature for package shipped via XXXX was forged, signed as " XXXX XXXX '' in which case I have never signed my name like this. Wells Fargo rep ( s ) refer me to account recovery to make payments in which case, there are not payments to make as I do not pay for item ( s ) not received. As stated before, account was opened by Wells Fargo reps, not myself, which is fraud and needs to credited amount of {$290.00}.
Consumer complaint received 2022-12-24
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc. (GA)

On this date XX/XX/2022, I refinanced my XXXX car loan ( account number XXXX ). I did not realize I obtained two loans at the same time. XXXX XXXX Bank approved my loan ( account number XXXX ). XXXX sent a payoff to XXXX in amount of XXXX on date XXXX  Then XXXX XXXX XXXX  ( account XXXX ) sent a payoff to XXXX on XXXX XXXXn amount of XXXX ( Check Number XXXX ) and ( Tracking number XXXX ). Then XXXX sent a refund to XXXX XXXXXXXX XXXX on date XX/XX/ and credited on XX/XX/2022 ( account reference number # XXXX ). I am paying the XXXX car loan. XXXX XXXX Bank claims that it did not receive a refund from XXXX and keeps sending me notices for payment on that loan.
Consumer complaint received 2022-06-25
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. (NY)

USING XXXX DISCRIMINATORY AND REDLINING PRACTICES TO HIGHLIGHT NEGATIVE AND DEROGATORY INSTANCES IN ORDER TO ASSURE THAT CREDIT DENIAL IS THE OUTCOME FROM BANK AND LENDING INSTITUTIONS.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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