davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-15
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. (TX)

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with 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  , AND XXXX/XX/XX/XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX  to Pay {$570.00} Million as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Consumer complaint received 2022-11-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (OH)

I am trying to dispute a collection notice on my credit report. I am also a victim of identity theft and have filed with the federal government and have notified all XXXX credit agency. I never received any information regarding this collection until my XXXX XXXX dropped XXXX points in XXXX XXXX. I have contacted the credit agency and I have contacted the company that sent this to collection. I have asked both companies to send me all paperwork tied to this collection and have not received any communications. 

In XXXX a collection notice hit my credit report from Credit Collection Services. It was for {$2500.00} for a XXXX account. 
Disputed charge with XXXX I immediately contacted both companies. 
Immediately filed a Identity theft with the XXXX government : report # XXXX Filed a police report Called reporting agency and they hung up on me before I could request paperwork Froze my credit report Called back ... still no paperwork Still on my credit report
Consumer complaint received 2020-11-15
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. (TX)

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report, underage with XXXX XXXX, XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations XXXX to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Consumer complaint received 2022-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX  is a fraudulent account. I have provided the identity theft report to the credit bureaus and they will not remove. Can you please assist with removing this account off my credit file
Consumer complaint received 2024-11-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

Caller # XXXX called to inform me that my account had been compromised stating that there were attempted charges made to my account and that it was being monitored for several weeks. After some time on the phone, I realized this was a scam and hung up on the caller. Caller # XXXX continued to spam call me repeatedly in an attempt to get me back on the phone. During that time, I was attempting to call XXXX XXXX XXXX XXXX line to connect with a banker and confirm if the information provided to me was accurate. During this time, I had complications trying to get through to the XXXX XXXX XXXX. XXXX later, I received a call from the XXXX XXXX XXXX XXXX  Caller # XXXX stated that they were from XXXX XXXX XXXX and would help me through the issue I was having. I was told that we were going to set up a new account to which I was then asked to wire money to a new account that showed my name on it, making me believe that I was transferring money to myself. To note : I personally did not enter in a phone number/email in order to wire money to this account. It was already set up for me. During this transaction, {$24000.00} was wired to XXXX XXXX, which I believe to be a fake name. 

XX/XX/year> : On the phone with the " XXXX XXXX XXXX XXXX  '', who was actually a scammer, received {$24000.00} in a wire transfer ; There was also a {$25.00} fee for the wire
Consumer complaint received 2023-04-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX an ACH for {$25000.00} was sent from XXXX to our international account number ending in ... XXXX at Citibank XXXX This number changed on XX/XX/XXXX to account ending in ... XXXX when Citibank migrated the account from a Private banking account to a domestic account. The ACH was deposited in the old account number that nowadays belongs to someone else despite the fact that rest of the beneficiary information did not match ( name & address ) skipping the minimum steps for verification. To date, the money has not been returned to the sender at XXXX and no solution has been proposed by Citibank arguing that the current owner of our old account number dishonestly has denied to return the funds and the only response we get is that it is being handled by Citi XXXXs Executive Response Unit after two and half months have lapsed ; XX/XX/XXXX to date. 
We have exhausted all the efforts available through the limited Citibank communication channels, clearing minor roadblocks and finally getting some attention, but to date this issue remains unsolved. The money should be sent back to the originating account.
Consumer complaint received 2022-07-29
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)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, XXXX XXXX emailed me saying there were fraudulent charges on my credit card. I called them that day and had a very confusing hour-long call with a representative from their credit card services department. She accidentally closed my entire credit card account and reopened it the next day, XX/XX/XXXX. I received a letter from XXXX XXXX about my account closing the same day I received a new credit card in the mail and a notice to pay my balance for the month. A week later around XX/XX/XXXX, I checked my credit score with TransUnion and XXXX, and my credit card history is completely missing from my credit score. 

I am in the middle of trying to buy a home and getting a mortgage, and the adverse affect this is having on my credit score is delaying and potentially derailing the entire process. I have filed a dispute and a complaint with XXXX XXXX, but they are unresponsive and unable to give me any answer or next steps as to what I should do. I have contacted TransUnion, specifically, and they told me that it is XXXX XXXX 's responsibility to report my credit card information.
Consumer complaint received 2020-11-15
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (TX)

I have been receiving unemployment from Texas XXXX XXXX through a reliacard account since XXXX. I haven't had any problems aside from one instance of unauthorized charges which was resolved without issue. A few weeks ago, I lost my card and requested a new one. I had this new card sent to my home address, where previously I had used my PO box . I got the card, but when I went to activate it, I ran into problems. The system kept telling me my info was incorrect. I called customer service and they informed me my account was locked because if the change of address, and they needed me to send in photos of my license, social security card, and proof of address to unlock my account. About 3 weeks ago, I faxed in all the requested documents. I waited 5 days and ... nothing. So I faxed again. 5 days later ... nothing. I called in and they claim they have not received any documents from me. Now i do a little research and find out this is suddenly a VERY common issue with them and ppl are reporting being given the run around and having their benefits kept from them for WEEKS. I can not do this. As it is now, 6 weeks of benefits have already built up in my account and I can't access them. Seems you guys are the key, so im trying to get a jump on things before I wind up on the street. I understand their position but they are IMPOSSIBLE to get through to & I desperately need access to my money. Its so frustrating to call in and hear you have a {$1200.00} balance and have the card but can not use it. Please help. I need my money.
Consumer complaint received 2020-11-15
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NH)

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO ( Experian ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at ( XXXX XXXX XXXX  ) on XX/XX/year> under the XXXX account number. These accounts have resulted in several fraudulent late payments appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2020-11-15
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: JPMORGAN CHASE & CO. (NY)

There are two business accounts with Chase that were never reported to my personal profile, suddenly after having a 60-day late remark they decided to report it to my personal profile and this is now causing me severe damage while applying for a mortgage. 

The whole late remark was in direct result of covid 19 which Chase admits of having participated in the CARES act at the time. However, as per their terms, I was supposed to request it which I wasn't capable of doing at the time.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX for the first time in several years to retrieve my Transunion report to lift freeze and dispute a collection account not mine was unable to access after answering questions correctly. 

I was told I had already received try back XXXX XXXX. 

XXXX is reporting a collection debt that has never been mine. I only had a wifi connection with XXXX XXXX XXXX XXXX. My cellular company for several years has been XXXX XXXX.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-15
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. (PA)

XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$450.00} This is not my account. There has been a fraud alert on my account for several years. I have no business with this company. It is affecting me to obtain employment during these challenging times. If I need to seek an attorney in this matter then I will have to seek additional damages.
Consumer complaint received 2021-09-15
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)

i've been trying to fix this simple problem with the credit bureaus, i am a XXXX, and the credit bureaus have negative information in my file, that belongs to someone who is not a XXXX. I know i have a very common XXXX surname, which has gotten me involved withe courts once, but do not fill that a XXXX XXXX, and me a XXXX, should be mixed up. I have written them before and they have refused, to delete this information, please advise
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc. (CA)

On XX/XX/21 I paid XXXX from AWA {$3500.00} to have this account removed from my credit report. XXXX verbally and written a promise to remove the debt from my credit report and the co-signer on the account. XXXX also informed me to dispute the debt to rush the removal. I dispute the debt on XX/XX/21. On XX/XX/21 AWA report to three credit bureaus that this debt is valid and owed in full. However, AWA removed the account from the co-signer and left the account on my account.
Consumer complaint received 2021-09-15
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. (NJ)

I was asking a general question of TransUnion Credit Reporting as to why the credit score they gave me was 100 points lower than my XXXX score. In turn, TransUnion deleted 3 accounts that also deleted my longest credit history. I did not ask for these 3 reports to be deleted. I called their contact number and was transferred to their Fraud Department. TransUnion made these deletions. I know this because my XXXX report shows the 3 reports gone & TransUnion sent me an email of my dispute results. I only wanted a simple question asked and they deleted information I did not grant them to do. I am really upset that my oldest credit card of 47+ years is gone and now my oldest credit account information is 28 years. 
The confirmation # for my file is - Report Created On : XX/XX/2021 File Identification Number : XXXX Provided by TransUnion Consumer Relations
Consumer complaint received 2024-11-30
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Gatestone & Co. International Inc. ()

I could not recieve XXXX  for semester XX/XX/XXXX- XX/XX/XXXX arguing that i was not a fulltime student. I appealed it as im on XXXX, this got approved however XXXX said it was too late to change anything and recieve my XXXX  because I have to pay my student account they can not approve my funds being released. I inquired on a payment plan and was rejected and told i have to pay it in full. The school went on strike for second semester. I was denied graduation in XX/XX/XXXX. 

I was locked out of my student account and tried contacting XXXX numerous times without success. 

Without getting into personal details in between this period and the following information below... 

I am now applying to school again, was denied by XXXX  stating that I owe my school money so my standing is insufficient. 

I've contacted XXXX  and they've stated that my transcript is on hold and I hsve to oay it in full - that they have denied me any payment program. 

I am now having to pay back my national student loan and XXXX, which I can not afford. 

I'm awaiting for the credit operations team to find someone who can assist me. However I'm being told the same thing over and over again.
Consumer complaint received 2020-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

Us bank reliacard has frozen my account it's going on two months and now I'm getting evicted given them all documents they needed and still nothing I called everyday and nobody seems to care what I'm going thru I need my funds they have no right to do that to me just because I did some disputes I wished they would if told me
Consumer complaint received 2020-11-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (OH)

AFNI is attempting an alleged debt that I have No Knowledge of and I never received a written notice regarding this debt. Pursuant to the FCRA the FDCPA and the XXXX as a consumer I feel that my rights were violated because this agency place this derogatory information on my report without due process. The alleged amount is : $ XXXXThe Original Creditor is : XXXX  As a consumer I should have been given the right pursuant to federal law to receive notice of this matter and the right to request validation of this debt. This never happened and this firm is in violation of the law
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX. Inquires XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XX/XX/2022 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