davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXA 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 2022-12-19
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. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

Those accounts arent mine, Never authorized or used by me please Remove these Inquiries of my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX Account number : XXXX
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: EQUIFAX, INC. (NC)

This is my fourth try to inform you that I am a victim of identity theft and I complain to question particular item in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy Reference XXXX : XXXX Liability : {$0.00}
Consumer complaint received 2023-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On Saturday, XX/XX/2023, I deposited four checks at a Wells Fargo Bank totaling {$17.00}, XXXX. These checks included a check for {$5000.00} drawn from the XXXX XXXX XXXX and another check for {$12000.00} from a different credit union. On XX/XX/XXXX, the checks cleared and the money was withdrawn from the respective credit unions. On XX/XX/2023, a hold was placed on my Wells Fargo account which does not allow me to access the money deposited until XX/XX/XXXX. I need the money on the 10th. I contacted Wells Fargo today XX/XX/XXXX. The first two people I spoke to ( one was the manager of the first ) told me that the money was on hold. The manager told me that the hold was due to the credit unions ' request due suspicious activity. She was unprofessional in her interaction with me. I told her it did not make sense my account showed that the credit unions had released the money on XX/XX/XXXX. Moreover, neither credit union had informed me of any suspicious activity. She was adamant that was nothing she could do. I was transferred to a third person to file a complaint. She told me that Wells Fargo had the money but that the hold was placed nevertheless due the large deposit being suspicious. I told her that I have banked with them for over 20 years and have made large deposits before. I asked her that if making two deposits instead of one or making a series of deposits different days totaling the same amount would have made a difference. 
She did not know what criteria was used or what is typically used since that is not her department. She said there was nothing she could do as the policies are in place to protect me. The deposits were drawn from accounts in my name and I have made deposits from those credit unions to Wells Fargo in the past.
Consumer complaint received 2022-01-01
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: Exeter Finance, LLC. (SC)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, 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: AMERICAN EXPRESS COMPANY (TN)

I was pre-approved and applied for the American Express XXXX XXXX XXXX on XX/XX/XXXX. There was a hard pull on XX/XX/XXXX. 

My reference number : XXXX My application was denied and they said I could check why through a link. I went to the link and the application said it was in progress for a few days. I called them and they said I was denied because they could not pull my credit report or credit score. Both XXXX and XXXX did not show I have a credit history. 

They kept asking me if I had a credit history or if I had a credit lock or freeze and to talk to XXXX or XXXX. I told them I have over a decade of credit history, no locks or freezes ( verified by XXXX  ) and can view my credit score on all three websites.

I was able to pull my free credit scores from all 3 agencies from the annualcreditreport website. I pulled them and they first told me I could not email them. 

I called back a few days later and someone told me to submit them online. The online portal did not allow me to submit. Then I called back and they told me I could fax it to them. 

I faxed them my XXXX and XXXX credit reports. They said they received them and once again it was denied because I was showing no credit history/XXXX score. 

They said they could send it to their team to do a manual application and pull. So they did that on XX/XX/XXXX. I was once again denied because of no credit history/fico score. 

I have two hard pulls on my XXXX credit report ( XX/XX/XXXX and XX/XX/XXXX ). XXXX says because of the hard pulls, AMEX was able to get my credit report so there is no issue on their end. 

American Express said they were not able to pull anything from XXXX and I have been unable to get into contact with an actual person to talk to from XXXX 's customer service. I have been trying for a month. 

American Express says it shows I have no credit history or XXXX score so that the issue is with XXXX or XXXX. 

XXXX says that they use the XXXX and no XXXX score so that American Express should not be trying to pull a XXXX. This does not make sense to me because why would American Express not know this and try to pull XXXX  scores from XXXX. XXXX says the issue is with AMEX, and I can't get into contact with XXXX at all. 

I do not know which company to file the complaint with because they keep pointing fingers without escalating to someone who can investigate or help me.
Consumer complaint received 2022-07-17
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: Self Financial Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2023-03-27
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. (GA)

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 XXXX XXXX XXXX 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. 
XXXX XXXX ; XXXX I 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXX : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXX Balance : {$8700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX CO XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-17
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. (CA)

XXXX XXXX XXXX  Date of request XX/XX/2021 XXXX XXXX Date of request XX/XX/2021 XXXX XXXX XXXX XXXX  Date of request XX/XX/2021 XXXX XXXX XXXX XXXX Date of request XX/XX/2021 XXXX XXXX XXXX Date of request XX/XX/2021 XXXX Date of request XX/XX/2021 XXXX XXXX XXXX Date of request XX/XX/2021 I applied fort one auto loan and the dealer sent my info to multiple lenders without my knowledge or consent
Consumer complaint received 2020-06-01
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have been trying to get this account with credit acceptance updated since XXXX. The account balance on this account is {$0.00} and the account is closed. Im not understanding why this account is still on my credit score as delinquent. I really would appreciate if it either came off or shows my balance as {$0.00}. I have tried to dispute this account 3 times I have submitted documentation showing the account is closed and that the balance is XXXX. Im not sure what else to do to get this account updated.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX-Balance {$6400.00} Date Opened : XX/XX/XXXX XXXX XXXX-Balance {$13000.00} XXXX XXXX-Balance {$2200.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-01-01
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: EQUIFAX, INC. (CA)

I HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME AS WELL AS ACCOUNTS THAT DO NOT BELONG TO ME.

I AM A VICITIM OF IDENTITY THEFT AND I HAVE FILED TWO REPORTS WITH THE FTC AND THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED

I HAVE ALSO ASKED THE AGENCIES TO VALIDATE CERTAIN ACCOUNTS, WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT  60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT

I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX& 1XX/XX/XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).
Consumer complaint received 2020-06-01
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: Experian Information Solutions Inc. (CA)

I have ask Experian to update account info that should be listed on my credit report. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

I am a single mother who is trying to refinance a mortgage right now so that I may have a roof of my families head, but my mortgage is too expensive. If I refinance my housing payment will be much more affordable as I have been financially impacted due to covid-19. My mortgage broker recently contacted me stating that I would not be able to refinance my home ( {$1000.00} a month difference ) because of inaccurate information left on my credit report ( s ) by XXXX XXXX for child support. I am current on my payments, never have been late. Any late payments listed are inaccurate and should be deleted right away. I am complaint to the CFPB because I am being given the runaround by XXXX stating I should file a complaint with the bureaus, which is not correct. The bureaus are the ones who publish the information that is reported to them by data furnishers such as XXXX. I am requesting that XXXX, Equifax, and XXXX investigate my file as I am disputing the attached items and XXXX should correct the reporting right away that it has sent to the bureaus before a lawsuit indeed is filed, which XXXX will be required to pay my legal fees for inaccurate credit reporting. I do not care if XXXX is a government agency, this is my 30 notice of intent to file a lawsuit. Alternatively, the negative information needs to be deleted before all parties including the bureaus are involved in a lawsuit pursuant to the FCRA. Kindly consider this my request to remove this inaccurate information I have never been late. This is causing me a lot of stress and anxiety and I do not know why I must spend so many countless hours trying to fix the mistakes caused by all the parties listed on this complaint.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (OH)

I have submitted disputes to you and i haven't got a response within 30 days and yall are requires by law to do so. Please investigate my disputes Thank you.
Consumer complaint received 2020-10-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION (WA)

I have a checking account at ICBC USA, and on XXXX XXXX I mistakenly initialized a transfer without sufficient funds on my account. 

ICBC first charged me a XXXX overdraft protection fee ( which was later reversed ) on XXXX XXXX, and since the transaction was returned, ICBC later harged me a XXXX refund item fee for this transaction on XX/XX/XXXX. So in total I was charged XXXX dollars return item fee. 

I wrote to ICBC a couple of time to seek a solution to this issue but did not received any reply. I also called ICBC USA 's  customer service representative on XXXX XXXX to ask if she can turn off overdraft protection for me, and her answer is no, their system does not have this feature. 

According to the rules regarding overdraft service XXXX https : XXXX ), all financial institutions must clearly provide customers a notice if overdraft protection is needed or not at the time of account opening, and at any time, a customer can choose to opt-in or opt-out.
Consumer complaint received 2023-02-21
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: BARCLAYS BANK DELAWARE (CT)

The AAdvantage Aviator Mastercard fraud team wrongly posted a {$4000.00} fraudulent charge from XXXX XXXX ( a company I have never done business with ) on XX/XX/2023, and are refusing to remove this charge, thus damaging the credit rating that I need as a woman-owned, minority-owned business. 

AAdvantage Aviator Mastercard now refuses to characterize this charge as fraudulent ( after initially characterizing as fraudulent and crediting my account, they changed their minds and charged me again ), but I have yet to receive documentation of whatever it is they are relying on to arrive at this conclusion. This charge is fraudulent and must be removed. This situation has arisen entirely due to the company 's own negligence in posting this {$4000.00} charge from XXXX XXXX on XX/XX/2023 AFTER I notified them on XX/XX/1023 that my card had been hacked and XXXX XXXX had fraudulently charged me {$1000.00}. Because of that fraud, I closed my old account and had a new card mailed to me. 

Despite my reporting the fraud and getting a new account number, Aviator Mastercard negligently posted a charge to my account, made on the old, compromised card number, EIGHT DAYS after I reported the initial fraud by XXXX XXXX. They should not have done that. How is that appropriately discharging their duty to me as a credit card company to protect my account? 

I contacted XXXX XXXX on Barclay 's instructions, which was worse than useless ( see attached faxes to Barclay 's fraud team describing that interaction ). I have filed a dispute with XXXX XXXX also, both online and via mail. These charges are fraudulent. 

Due to the company 's negligence in posting fraudulent charges from the same company and on the same compromised account number eight days AFTER I notified them of the fraud, and their unsupported refusal to remove these charges, I am now showing a balance on my credit card, which impacts my credit rating ( currently at 818 and 824 - I have a good credit rating and need to keep it that way to borrow for my business ). 

I am begging for your assistance in getting them to immediately rectify their negligence and credit my account in the amount of the fraudulently-charged {$4000.00} so my credit rating as a woman-owned, minority-owned business can remain good. Thank you for your assistance.
Consumer complaint received 2024-11-08
Product: Credit reporting 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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.