davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
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. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ; XXXX XXXX XXXX Balance {$9900.00} ; XXXX XXXX XXXX Balance {$310.00} ; XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Balance {$570.00} ; XXXX XXXX, XXXX Original Creditor Name XXXX XXXXXXXX XXXX Balance {$5300.00} ; XXXX XXXX  Original Creditor Name XXXX XXXX Balance {$76.00} ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$280.00}.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (VA)

I GOTTEN AN AUTO LOAN FROM WELLS FARGO IN 2018. THEY FORCE ME TO CONTINUE TO MAKE PAYMENTS DURING THE PANDEMIC. THEN AFTERWARDS REPO THE TRUCK. NOW ITS ON MY CREDIT REPORT. I ALSO TRIED CONTACTING THEM ABOUT IT AND THE CLASS ACTION LAWSUIT. NO RESPONSE NO HELP NO NOTHING.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-11-15
Product: Credit reporting 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. (FL)

Subject : Dispute of Unauthorized Inquiries on My Credit Report Dear Sir/Madam : I am writing to dispute certain inquiries on my credit report that I believe to be unauthorized and therefore incorrect. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only accurate, verified, and authorized information on my credit report. I am requesting the removal of these inquiries from my report as I did not explicitly authorize any of them. 

Details of the Disputed Inquiries : Requesting Entities : XXXX  Inquiry Dates : XXXX XXXX XXXX Entities : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXX Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Requesting Entities : XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX Inquiry Dates : XX/XX/XXXX Requesting Entities : XXXX XXXX  Inquiry Dates : XXXX XXXX Legal Basis under the FCRA for Removal of Unauthorized Inquiries : 1. Right to Accuracy and Verification of Information ( FCRA 611 ) : Under section 611 ( a ) ( 1 ) ( A ) of the FCRA, I have the right to dispute any information that is inaccurate or unverified. I am requesting that you review and verify the legitimacy of these inquiries, and if you can not do so, immediately remove these entries from my credit report.

2. Obligation to Provide Proof of Authorization ( FCRA 609 ) : According to section 609 ( a ) ( 1 ) of the FCRA, I have the right to obtain all information in my file that is relevant to the inquiries conducted, including any evidence that I explicitly consented. I request that you provide this proof of authorization ; in the absence of it, these inquiries should be removed accordingly.

3. Protection Against Identity Theft and Fraud ( FCRA 605B ) : In the event that any of these inquiries are related to identity theft, section 605B of the FCRA requires you to block all information derived from such fraud upon notification. This letter serves as formal notice that none of these inquiries were authorized by me and could potentially be the result of fraud.

Furthermore, I want to emphasize that, in accordance with the Fair Credit Reporting Act, I do not authorize this dispute to be processed using the e-OSCAR automated system. Since this dispute concerns unauthorized information, it requires a complete manual review to ensure compliance with my rights to verification and accuracy of information.

Thank you for your attention to this request. I look forward to receiving a written response within 15 days, as stipulated by the FCRA. Please keep me informed of any progress in the investigation process. 

Sincerely,
Consumer complaint received 2024-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (GA)

I mailed out a letter to IC Systems INC on XX/XX/2024 Requesting proof of a purchase agreement and to validate this debt and also showing that on the NMSL consumer access shows that they do not have the license to collect in the state of GA and ask them to immediately to remove this from reporting to all credit bureaus. As I look today it is still reporting.
Consumer complaint received 2021-02-11
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: EQUIFAX, 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 Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-02-11
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. (TX)

TransUnion keeps putting delinquent accounts on my credit report. 

Last week I noticed than an extra account was added to my credit report from XXXX XXXX XXXX with a balance of {$0.00} the strange thing they reported also that this account was opened on XX/XX/XXXX ( 2 yrs, 8 mos ) and it was reported THIS WEEK how that's even possible same issue happened with 2 accounts XXXX XXXX XXXX opened XX/XX/XXXX ( 3 yrs, 4 mos ) and XXXX  XXXX XXXX opened XX/XX/XXXX ( 2 yrs, 10 mos ) I don't know how that even possible, XXXX  XXXX XXXX and XXXX showed up a year ago on my report, i tried to dispute them 5 times, they didn't respond i hired a credit repair company for {$1500.00} they didn't remove anything. Also there's a plenty of false addresses on my report as well that I've never lived on. There's over 36 address in the past 3 years so according to them I change my address every month, also 15 credit inquiries I'm my credit report I have no idea where they're from! 

I'm really frustrated I pay 13 % in Interest just because TransUnion doing this.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX - {$10000.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - {$250.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (DE)

Wells Fargo has my credit worse ( 34 ) late payments how did you do this. for years I have been trying for Wells Fargo to remove {$83.00} off of my credit report this was fraudulent Ive lost my eyesight and I became XXXX I was XXXX I had three XXXX XXXX my credit cards home was invaded and stolen from my home while nurses were taking care of me they use my credit cards fortunately that Wells Fargo was put on notice with a police report my home insurance report my attorney would you refuse to answer my attorney you are stating to give you information of the attorney but why would you ask now what it was on your records and you fail To respond to the attorney and Mr. XXXX from your company took information from me and Still in an affidavit indicating all which was stolen merchandise if the police report states that my credit card was fraudulently used and you were issued a police report this is unfair by your company and you To destroy my credit like this 30 for late payments you put on my credit report Im asking for the credit beer is this fair could this company do this to me. 

And indicated back to all of those reports on the fraudulent accounts please investigate the account that you set to XXXX XXXX XXXX XXXX, XXXX XXXX Please there are numerous accounts going to from my second home going to this address with notes indicated that you deposit thousands of dollars in my account that I have loss doing this fraudulent activities with your company this is horrible how you are messing up my credit for {$83.00} I am XXXX Im having a hard time and you are destroying my credit so facetiously again Again remove the 34 late payments and {$83.00} charge off you are destroying my history in my life : So is it 34 times late Or a charge ofF you destroying my credit you are destroying my credit 34 times late ridiculous
Consumer complaint received 2021-02-11
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: PENTAGON FEDERAL CREDIT UNION (VA)

This is another follow-up to previous complaints already submitted against Pentagon FCU ( Ref # XXXX and # XXXX XXXX. 

On XX/XX/XXXX, we received a letter from the Credit Dispute department, claiming that PenFed performs hard credit pulls on all joint owners to remain compliant with the USA PATRIOT Act. The letter does not explain why such a pull was not required for me, a white male, but was required for my wife, a non-white female nor does it explain why a soft credit pull is insufficient to verify the identity of joint owners, whereas it was sufficient to verify my identity as the primary owner. PenFeds feeble explanation for their action in no way justifies the clearly discriminatory and targeted manner in which they choose to attempt to remain compliant with Federal regulations. 

From this, we can only conclude that PenFed is doubling down on their previous discriminatory and targeted actions against protected classes ( race, gender, and country of origin ) and the relying on fraudulent explanations to cover up their discriminatory actions based on race, gender, and country of origin. They have now closed this issue without corrective action, despite having acknowledged their wrongdoing on record on multiple occasions and having previously stated that they would correct this error on their part.
Consumer complaint received 2021-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Consumer Financial Debt Services, LLC (NY)

XXXX XXXX XXXX sent herself money two transactions XXXX dollars, and another XXXX dollars on XX/XX/2021 Reference # XXXX Reference # XXXX I did NOT approve these transactions. 
She used my laptop with all my banking information, and sent it to herself to pick up cash. These transactions went through. I need my money back ASAP. I want her to pay them back but she has now blocked me because she knows she stole from me.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmation records. These clearly indicate that both payments were processed well before the due dates, and these payments should not have been marked as late. 
Processing Delay at the Bank 's End : There was a delay in the internal processing of payments at XXXX. This caused the payments to be incorrectly flagged as late. After contacting XXXX  customer service, they acknowledged this delay. I have attached correspondence from XXXX confirming that the payments were processed late due to their internal issues, not my fault. 
System Error on Payment Posting : XXXX payment system encountered an error during the posting of my payments, resulting in the payments being marked late. I provided screenshots and support tickets showing that there was a known system issue during the payment dates. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. I also request that the inaccurate late payment entries for XXXX and XX/XX/XXXX be removed from my credit report immediately. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit card with XXXX XXXX is not being properly updated within the three credit bureaus to display my credit limit increase. Every month this becomes a problem and Im unsure on what end to point the finger.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Credit Dispute was filed with XXXX Credit Reporting Systems and Experian about erroneous / incorrect credit reporting from Merchant XXXX XXXX XXXX to the aforestated credit reporting agencies. On or about XXXX XX/XX/XXXX I totaled out my automobile that was financed through XXXX XXXX XXXX Account Number XXXX. ( Title and Lien Holder ) Motor vehicle was deemed totaled by XXXX XXXX XXXX whom I was insured with. Vehicle was paid off in full by XXXX Insurance Company. Check was issued on XXXX XX/XX/XXXX to XXXX XXXX XXXX in the amount of {$5200.00} which was the agreed amount to completely pay off the motor vehicle. After accepting the check, from XXXX, XXXX XXXX XXXX continued to report in error this account for several months. XXXX XXXX XXXX at first closed the account on my credit file with XXXX and Experian and erroneously reported that I owed them {$710.00}. On XXXX XX/XX/XXXX I received a copy of my Experian and Experian, and XXXX Credit Report which revealed that XXXX XXXX XXXX re-opened the credit account to display the account was opened and a now a new balance of more than {$1000.00} was owed to them. On XXXX XX/XX/XXXX Dispute letters was sent out to both credit reporting agencies, and to XXXX XXXX XXXX disputing the account as being reported in error, and requested that the original contract be verified to include my signature that I agreed to the amount being stated that I owed after check was sent as the agreed payoff amount. Approximately 45 days later, Credit reports from both Experian and XXXX  is still reporting the same erroneous account on m credit files. Both Credit Agencies, and XXXX XXXX XXXX refuse to delete the account from my credit files or correct the account as being paid in Full and account closed. I'm you to intervene on my behalf to correct this erroneous reporting, and bring positive resolution to this matter.
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (FL)

I recently check my credit report and noticed unauthorize inquires. I reached out to the company via letter and telephone calls. My letters were never responded back to, and phones call left me feeling like there was no hope in clearing up this error. These inquires are greatly affecting my credit score negatively and emotionally leaving I am battling anxiety due to this issue. It has been well over 30 days with no resolution and I'm beginning to feel as if big business can mistreat the ever day consumer with out repercussion.
Consumer complaint received 2021-02-11
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: EQUIFAX, INC. (LA)

I received my credit report from Equifax and I noticed some inquires that I did not authorized. On XXXX XXXX XXXX XXXX is showing up as an inquiry. On XX/XX/2020 the following companies are being report on my credit report as an inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/2020 XXXX XXXX, XXXX XXXX is also listed on my credit report. I did not authorize these inquires. I have spent weeks talking to each of these companies and I was notified to contact Equifax to removed those inquires. I have sent several letters to Equifax and did not receive any respond from them. It has been well over 30 days. Equifax did not provide strict proof of me personally authorizing these inquires.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I have been disputing a change with Citi Bank since XX/XX/2022. I was in XXXX XXXX XXXX XXXX XXXX I purchased a bracket from a jewelry shop. Once I returned to the resort I noticed that there were 3 changes on my card. Two for the same amount of {$210.00} ( one belonged to the bracelet ) and a change for {$230.00}. The additional change of {$210.00} was resolved with Citi, and that is a story in itself. 

When purchasing the bracket the merchant stated that the internet service was bad and had to try several times to run my card. He then got out another machine and ran it with that one. Because I had three changes, I thought that the two that were not true purchases, would fall off. however they posted to my account. I then filed a dispute with Citi Bank, realizing that the merchant was running my card several times to create several changes. I thought this was an easy fix as I did not make these purchased. 

I have spent several hours on the phone with the fraud department who then stated this is not fraud but a dispute. Was sent back and fourth several times off and on over the course of many months. The customer service was the worst I have come across in many years. I have since filed complaints including with the BBB and finally got the attention of the Citi Bank Executive response unit and was hoping finally someone would resolve my issue. The Executive response unit was very attentive and I was hopeful this would be resolved. On XX/XX/2022, I am notified that I did not have enough evidence to support my case. I am not sure what evidence I would have? My understanding is that the merchant DID not provide a receipt for these purchases. I am at a loss for words with the service of Citi Bank. I am mostly concerned with the merchant getting away with robbery, this is clearly a scam. The money is the least of my worries. It is the point and the lack of protection from my credit card company that is frustrating to me and the reason why I will continue to fight this. I am asking to see what evidence Citi Bank has received that shows I made this purchase. The letter I receive stated to reach out to the merchant. This is laughable to me. This is a small jewelry shop in XXXX, I have no way to contact them. I am asking for a credit for the change of {$230.00} and to ensure that the merchant is held responsible and evidence from the merchant that I made this purchase. 

Thank you, XXXX XXXX