davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

Despite the multiple previous written requests, the XXXX item listed below still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX )
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND EQUIFAX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I SEE NAME VARATIONS, ADDRESSES, AND CREDIT INQUIRIES I NEVER AUTHORIZED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC (WA)

This company is called CKS financial XXXX XXXX  XXXX. Reference number is XXXX. They say I have an account XXXX XXXX NA unpaid for the amount of {$910.00}. I have neber opened any bank account or credit line with XXXX XXXX  ever. Its not even on my credit report. They call repeatedly and never leave a message from XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-20
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623,  subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2020-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (ND)

XXXX I am a 100 % XXXX XXXX XXXX XXXX, from ND. The ID theft occurred in XXXX XXXX, FL XXXX Wells Fargo employee XXXX XXXX, woke me from a nap stating there was suspicious activity on my Wells Fargo acct, there was.. My husband heard the entire conversation on my speaker phone on cell phone. I asked her to verify who she was and rattled off her Employee ID # .Since I was not awake she asked for pin #. I did NOT know I was speaking to scammer, because she said exactly what a WF employees says. 
I asked her how this suspicious activity happened and she said someone scammed me and got my personal from possibly and on-line purchase and probably made a new WF card. She said the acct. was now closed and I would receive a new card. I didn't, it was a scam, and my husband and I feel it was an inside job at Wells Fargo. 
I checked my on-line acct. and she had used the card and stole approximately {$4000.00} throughough XXXX XXXX, FL. I immediately called Wells Fargo consumer ID theft/consumer fraud. We were able to stop over {$1000.00} of the purchases XXXX XXXX ( aka? ) made. The WF rep. told me that Wells Fargo would make a thorough investigation, and I should contact consumer fraud in FL. 
I heard from XXXX XXXX, Senior VP, Claims Assistance Center, shortly I filed the ID theft claim. She DO NOT INVESTIGATE MY CLAIM and quickly closed the claim stating I was at fault and did nothing to assist me find XXXX XXXX or research about whether a WF present or former employee in the XXXX XXXX, FL was scamming people. I believe that this is an inside job, and it represents the financial corruption at WF.
Consumer complaint received 2022-01-19
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. (FL)

I suspect fraudulent activity from ACCOUNT # XXXX XXXX XXXX XXXX.I have attempted to Validate this account that doesnt belong to me but the company didnt respond within the 30 day window as it must under the FCRA It has failed to validate this debt all that has been provided is a company letterhead with a account # they claim to be mine as you will see in the attached correspondence please remove this account immediately from my consumer report immediately as I consider it a fraudulent account that has violated my rights under the the FDCPA, FCRA.
Consumer complaint received 2020-07-19
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: CITIBANK, N.A. (IL)

Back in XXXX I bought a dishwasher and hock up from Home Depot I returned it in XXXX they tried charging me {$70.00} for the return I refused and went in store to the XXXX IL location where I bought it sat for XXXX till close and they still didnt return it they said they would call me when the return was complete 3 days later I received the call fromXXXX at Home Depot saying the return was processed and take. Care of. In XXXX I went to use the Home Depot credit card it was declined I called Home Depot right away and citi bank both twice the same day. Home Depot then issued me more and new credits in XXXX to handle the account and make it accurate. I called back citi bank again that day to make sure we received the credits they said it would take 48 hours. Now we went to apply from our loan agent on our 3 home and got denied from homedepot reporting on his credit for a return we did not receive the correct or proper credits since XXXX and I have been told by employees at home depot since XXXX it was taken care of. XXXX my partner had an XXXX credit score we have worked the last 10 years to get the only thing on his credit was homedepot reporting on not refunded credits we were supposed to have tanked my husbands credit and denied us for a home all because a return wasnt properly handled. Then they closed our account without any notice tanking my husbands credit more. We have been card holders w homedepot since XXXX this is the worst situation We have been put in and no one wants to help us. I called citi bank they just wanted their credits didnt even offer to reopen the account so my husbands credit wouldnt be further negatively affected by this mistake. I explained how dire this situation is look at his account its form XXXX we are in XXXX how are we still dealing w this credit on the return?? This is absolutely unexpected we have maintain credit and paid every bill and now we go apply for a home loan and now from someone else negligence and not knowing how to do their job correctly we are denied for our home loan. We need the negative reports 30 60 90 day removed from his credit.
Consumer complaint received 2020-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (MN)

I deposited and check via mobile deposit for XXXX and was told that it would be available by the end of the day and it was not which cause my hardship I email and called twice and was told that I could not get any help there close of the day is XXXX and per there email communication it was end of business day not XXXX also there policy any under XXXX  will be available same day
Consumer complaint received 2020-07-19
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. (NY)

Both XXXX and Transunion have been habitual offenders for dropping my credit for no intelligent reason. XXXX XXXX is reporting these mistakes. My credit erroneously dropped from XXXX to XXXX. My credit belongs at the excellent level of over 800. When these mistakes occur it takes several months to repair. The algorithyms are written to XXXX the consumer. Whatever my high balance has been on my credit cards, it has been XXXX   out consistently at the end of the billing period. I have paid my mortgage for 3 years on time. I have paid the lease of my car on time for 2 1/2 years. Bills are never late.
Consumer complaint received 2020-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One will not resolve a dispute that I have on my credit card. they will not call me nor will with let me speak to the appropriate representative to voice my concerns. I have attempted NUMEROUS times to get this resolved and they will not do anything. They allowed a company to commit fraud and they are committing fraud by not trying to resolve it in a timely manner.
Consumer complaint received 2020-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.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 gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2020-07-20
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: Experian Information Solutions Inc. (IL)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 gave me two letters of release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

I opened a PNC account. The terms of there offer : You may earn a {$300.00} reward if you open a new Virtual Wallet with Performance Select To qualify for the reward, the new Virtual Wallet product must be opened online via the application and a qualifying Direct Deposit ( s ) must be received within the first 60 days. 

The total amount of all qualifying Direct Deposits credited to your Spend account must be at least {$5000.00} for Virtual Wallet with Performance Select. 

My direct deposits posted to my account on XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 totaling {$5000.00} within the 60 days of opening. 

Ive chatted with representatives numerous times after the bonus did not post a few weeks after. Every time they insisted that I have met the terms and it would post by today XX/XX/XXXX. I contacted them again today and just now they are escalating. However, if so owed the bank money I would be asked to pay interest and late charges.
Consumer complaint received 2022-01-19
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. (NY)

Equifax is reporting 40 accounts are open when the accounts are closed. These accounts are paid. The 40 accounts have deducted XXXX points from my XXXX score. Equifax continues to report these accounts as derogatory and they are not which hinders my XXXX  score from ever increasing and keeps it in a negative status. These accounts have been stuck with this sinceXX/XX/XXXX to present.
Consumer complaint received 2020-07-19
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. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-08-03
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. (CA)

my name is XXXX XXXX I am reporting a fraudulent account opened from XXXX XXXX XXXX  under my business name " XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' the account is now in collections totaling over XXXX and putting my business credit in a hardship this collection is reporting to XXXX XXXX XXXX, XXXX, transunion, & XXXX
Consumer complaint received 2022-01-19
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. (IL)

i XXXX XXXX XXXX XXXX have reported fraud with the credit bureaus XXXX equifax XXXX about my report and information on it. they will not help me with fighting these errors and accounts on my report and to clear them up/ they leave them the same status and will not delete them or change status meaning the accounts that have been paid are still showing derogatory status and hurting my credit score. XXXX XXXX  on my credit file is fraudulent from the XXXX XXXX department of welfare. they frauduaently put XXXX XXXX on my credit report from when my ex wife XXXX  my kids back in 2010 and since have continued to harass me and hinder me from getting any sort of loans or a house due to them lying and siding with my ex wife as well as them signing my name on court documents that is forgery and purgery in a court of law. they know this. ive asked them many times as well the bureaus to remove this as well as disputed it many times and they keep coming back with no change.
Consumer complaint received 2021-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NV)

I have contacted enhanced recovery company in regards to my credit report. I have been a victim of fraud. I sent enhanced recovery company a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to enhanced recovery company to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX  ) and enhanced recovery company disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay enhanced recovery company and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!