davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
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)

IDK whats going on with my credit report. I have over XXXX negative impacts that I did not do at all. I was a victim of identity theft and I have been reporting this for a good minute now. I have locked my credit profile so this cant happen any more once all of these negative impacts are removed so please I am begging help me. I cant even buy a house now because of the XXXX. Thank you and have a blessed and wonderful day.
Consumer complaint received 2023-01-06
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)

There are some unauthorized inquiries on my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

I wired all my money on XX/XX/23 to another bank in order to close my account and wire is still pending more than 48 hours later. I called citibank multiple times trying to resolve the issue and didn't get anywhere with them, they keep saying I have to wait, is this legal to hold my money this long?
Consumer complaint received 2023-01-06
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)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: WELLS FARGO & COMPANY (MN)

I've been trying for over a month to get the balance on my rewards card and Wells Fargo refuses to give this information. They also refuse to communicate via writing like I have requested. My email is listed in this complaint. 

Here are ALL the details on the card so you can properly find the infromatin. 

On the front of the card it has REWARD CARD on the left side. 
The number on the front of the card is XXXX XXXX XXXX XXXX It says it is a DEBIT There is a note that states FUNDS DO NOT EXPIRE It states GOOD THRU XX/XX/XXXX The name on the card is listed as REWARD CARD It states it is a VISA On the back of the card it has the following. 
Top left corner it has the number XXXX Top middle it says XXXX Top right it has XXXXXXXX XXXX  XX/XX/XXXX The middle of the card says NON-RELOADABLE The XXXX digit number on the card is XXXX Below the signature box it says Authorized signature | Not valid unless signed. 
It has the WELL FARGO logo on the bottom left of the cad. 
Also below the signature box it says For assistance in the U.S., please call XXXX and For assistance outside of the U.S., please call XXXX In the bottom left corner of the card below the Wells Fargo logo it says This card is issued by Wells Fargo Bank , N.A . pursuant to a license from XXXX XXXX XXXX FDIC coverage provided under terms governing your card. 

I have now provided all details about this card and will await your response. I will allow XXXX hours for you to respond. If no response is given in that time, I will assume that you are ignoring my message. I will then look to file new complaints with ALL the new information with the agencies so you can respond via those means. 

This should be all the information needed for the company to properly respond to this complain with the balance on this card where the funds do not expire. It's all the information that I have about the card.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian completely ignored my previous CFPB complaint # XXXX. They did not even open up an investigation to verify this address for this complaint which is a violation of section 2 of the FCRA. They claim that they received confirmation of this address but failed to tell me which creditor or where they received their information from which is also a violation of the FCRA. My current correct Address Street Number , Street Name, City, State is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. Please update the information in my file to reflect ONLY my above mentioned true accurate undeniably valid current correct address and remove any and all other reporting addresses that are not exactly as I have submitted and proven. These other addresses are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA Section 623 since they are not yet proven accurate. You would need to pull certified public records proving that I have any relation to this address, otherwise I demand they be deleted. Both XXXX, XXXX, XXXX and XXXX have properly updated this information, but Experian continues to refuse to comply with this demand. DELETE ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX. How did you verify this address? Did you obtain public record data to prove that I lived here? I demand that you send me documented proof of this address. Just because a creditor has a record of this address, does not make it valid. DELETE THIS ADDRESS FROM MY RECORD IMMEDIATELY. You HAVE NOT provided me with a copy of ANY original documentation of this address. Let me remind you that by continually reporting this address you are committing Negligent Enablement of Identity Fraud.
Consumer complaint received 2023-01-31
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. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-27
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 — Investigation took more than 30 days
Company: WEICHERT FINANCIAL SERVICES (NY)

I was put into forbearance without me asking for one, agreeing to one or signing anything regarding one. My credit bureau for more my mortgage now states 'affected by natural disaster '. They also removed my auto-pay feature because of this erroneous account status. I have been trying to resolve this for 3 weeks. I made several calls, emailed and faxed documentation that was requested and still nothing. I emailed them on XX/XX/14 and this morning again with the info they requested. Spent another hour on the phone this morning asking for a supervisor that never came. I am supposed to re-fi my mortgage now that may not happen because THEIR error. My mortgage is current and has NEVER been delinquent.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

applied for a XXXX credit card today XX/XX/2020 and I wasn't approved because there is an account reflecting badly on my credit report. The company that the account is from is called XXXX. I did not open an account with this company nor did I allow anyone to open this account in my name. I did not gain anything from this account being opened in my name such as money, goods, services or any other benefit nor did I ever make any payments towards this account. I do not have any written/verbal contract with this company and I never allowed them to run or access my credit information. I have already filed a police report regarding this suspicious account. I filed this report to the best of my knowledge.
Consumer complaint received 2023-01-31
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. (NY)

On ( XXXX  ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

XX/XX/2020 XXXX XXXX had taken a job in the XXXX XXXX area. we live in XXXX XXXX so she was moving down there. We were searching for an apartment and had applied at XXXX XXXX XXXX XXXX XXXX was our contact person. At this time we had to pay the application fees that were {$55.00} per person and we also paid a security deposit of {$200.00}. All fees were paid. We were starting to get into a bind with time and I had not heard back from XXXX. We then started to look at other apartments and found one that approved us very quickly. I informed XXXX that we would no longer need this apartment and that was it. Didn't hear from anyone, then someone called to let me know that I owed money from my daughter moving out?? I informed them that she NEVER signed a lease, nor did she move into that apartment. The lady on the phone was going to investigate it, again didn't hear anything so I thought things were taken care of?? Now Columbia Debt recovery gets a hold of me and I inform them that everything was paid. They tell me to send all proof. I did this, again no one EVER contacted me again so I thought things were handled?? Now it shows up on my credit report. I have very good credit and I always pay my bills.
Consumer complaint received 2020-05-27
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. (CT)

This is related to Complaint XXXX which was closed on XX/XX/2020. 

70 days ago XXXX XXXX  acknowledged that a dispute was closed in my favor regarding a fraudulently opened account. I pulled my credit reports today and am still seeing the XXXX XXXX   XXXX XXXX account on my reports. This should have been removed. This has now been an issue for 147 days. 

The account continues to show up on my XXXX  and Experian credit reports as a disputed account. I have had complications applying for a mortgage and a completing a background check for a new job because of this account.
Consumer complaint received 2023-01-06
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. (NY)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-06
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. (FL)

Transunion has violated my rights to privacy per law 15 USC 1681. Legal action will be implemented if the account below is not removed completely from my credit report.Transunion did not update my account reflecting the removal of the account.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX- Account Number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-06
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. (OH)

I sent TransUnion a credit report dispute concerning their file number XXXX dated XX/XX/XXXX which disputed information contained in this report. My dispute letter was dated XX/XX/XXXX. They did not correct all the items indicated in my dispute letter. Also, they did not provide documentation supporting the uncorrected information, but rather parroted the verification of the entity that originally submitted the adverse information to them. In otherwords they did not do a first hand investigation of the adverse information as required by law. The courts have ruled in XXXX v. TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX v. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that this type of verification is inadequate.
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This is related to Complaint XXXX which was closed on XX/XX/2020. 

70 days ago XXXX XXXX  acknowledged that a dispute was closed in my favor regarding a fraudulently opened account. I pulled my credit reports today and am still seeing the XXXX XXXX   XXXX XXXX account on my reports. This should have been removed. This has now been an issue for 147 days. 

The account continues to show up on my TransUnion and XXXX  credit reports as a disputed account. I have had complications applying for a mortgage and a completing a background check for a new job because of this account.
Consumer complaint received 2023-01-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX, & XXXX 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
Consumer complaint received 2023-01-06
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-27
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. (TX)

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Consumer complaint received 2020-05-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

i am under a 3 month Forbearance Plan due to the Covid 19 virus i just received a very threatening letter stating i am in default and the loan is delinquent after i pleaded with the bank representative to send me a letter ( or an email ) telling me either to disregard the letter or a letter stating my mortgage is still in good standing, they refused to do so! 

please help me as soon as possible as i am already having a difficult time as my business is at a standstill due to the Virus thank you in advance for your help XXXX XXXX cell # XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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. (VA)

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXXXXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXXXXXX XXXX XXXXXXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation 15 USC 1666b, Remove late payments. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.