davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$14000.00} XXXX {$1600.00} XXXX   XXXX {$87.00} XXXX XXXX {$26.00} XXXX XXXX {$1700.00} XXXX {$1600.00} XXXX {$880.00} XXXX XXXX {$50.00} XXXX {$59.00} XXXX {$230.00} XXXX XXXX {$1700.00}
Consumer complaint received 2023-01-20
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. (FL)

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 2021-03-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo sent me the following email. I attempted to advise them I am not a Wells Fargo client and not bound by any of their internal decisions via a reply to the email and they instructed me to attempt to login via a link. I believe Wells Fargo is engaging in their standard practice of opening accounts for people that have not been requested. 

Please see the email below : From : Wells Fargo XXXX We are updating the XXXX XXXX XXXX Addendum When you enrolled in the XXXX XXXX XXXX, you reviewed and accepted our XXXX XXXX XXXX XXXX to the Wells Fargo XXXX XXXX XXXX ( XXXX ). On XX/XX/2021, the XXXX XXXX XXXX XXXX will be revised to provide more clarity on the use of XXXX and to remove outdated information. 

No action is required on your part. This notice is simply to let you know that certain terms in the XXXX XXXX XXXX XXXX will be updated. Your continued use or access of the XXXX XXXX XXXX is your agreement to these changes. 

For more details, please review the XXXX Summary of Updates and access the full upcoming XXXX XXXX XXXX Addendum to the Wells Fargo XXXX. 

If you have questions, please send us a secure email. 

Thank you for being a Wells Fargo customer. 

Wells Fargo Online Customer Service XXXX XXXX XXXX XXXX XXXX and the XXXX related marks are wholly owned by XXXX XXXX XXXX XXXX XXXX and are used herein under license. 

Wells Fargo Bank, N.A. Member FDIC. 

Please do not reply to this automated email. 
XXXX
Consumer complaint received 2020-07-18
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. (NC)

For the past two months, I have been trying to resolve the inaccurate reporting to my credit reports with Experian and XXXX. My first letter to both bureaus was sent on XX/XX/2020, and XX/XX/2020, that requested to remove the derogatory reporting of the months of XXXX and XXXX as this account has never been late. During this time, I had spoken to XXXX XXXX   several times to verify their reporting. The customer service representative transferred me to the escalation department and expressed on numerous calls, the account on their end is NOT reporting 30 days late for XXXX or XXXX, and, that they will send another update as well as advised me to contact Experian and XXXX again. In my XXXX letter to both ( XXXX and Experian ), I had requested the paperwork that backs up their detailed reporting that goes over the procedure of their independent investigation and any other paperwork that states the account is past due. And that this needs attention immediately as this has impacted my credit scores and credit payment history. XX/XX/XXXX credit reports results came back from both ( XXXX and Experian still reporting 30 days late for XXXX and XX/XX/2020 and they never sent their documentation of their independent investigation to show how they are receiving the information. XX/XX/XXXX, I called back to XXXX XXXX and per my conversation with my mortgage company with the Escalated Credit Manager XXXX ID # XXXX ( XXXX Ext XXXX ) has stated their department has sent over updates numerous of time reporting XXXX and XXXX has been paid as agreed. This account has never been late. Per the guidelines and policy of FCRA, which promotes accuracy and fairness in the files of consumer reporting agencies, Experian and XXXX are in violation of reporting inaccurate information. However, the XXXX bureau is reporting paid as agreed. Now, I am contacting CFPB to help resolve this ongoing issue. Thank you
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (FL)

Obtaining credit should be based on legitimate factors such as your expenses, debt, income, or your credit history ; it should not be based on arbitrary factors such as your race, religion, sex, or other personal characteristics. Lending discrimination occurs when a creditor takes certain protected personal characteristics into account to deny credit or to impose unfair terms or conditions on loans. The federal Equal Credit Opportunity Act ( ECOA ) prohibits creditors from discriminating on the basis of race, religion, sex, familial status, national origin, age, and applicant 's use of public assistance. 

Consumer 's Rights under the ECOA The ECOA entitles you to an equal opportunity to obtain credit, but it does not entitle you to the credit itself. Factors such as your credit history, expenses, debt, and income determine a denial or approval. The ECOA applies to banks, financial institutions, credit card companies, or anyone else engaged in granting credit and requires creditors to engage in certain policies and practices. For example, when you apply for credit, a creditor may not  ask you to reveal your race, sex, national origin, religion, or whether you receive public assistance income. As I have discussed in previous conversations and I do with many business I am a XXXX, Female, woman of XXXX descendants ( Making small talk ). 

I had two accounts XXXX XXXX VISA and XXXX Mastercard both paid on time and never late. After sending out the documents requesting I was approved only to find out that the XXXX XXXX   VISA was closed about a week later and the XXXX Mastercard was closed XXXX XXXX. No explanation for the closing of my accounts were sent and in fact, I understand that Credit Card companies are currently able to close at free will. 

My concern is that Comenity Bank and its affiliates Comenity Capital Bank sends me the same bogus letter ( I have enclosed the letter ) almost two years after they chose to close the two above mentioned accounts. I have reported this to CFPB before but since then the Bank has chosen to retaliate against me. Is there a good reason why this bank is currently getting special treatment above the law on lending? And if so would you please send me the documentation pertaining to it?
Consumer complaint received 2020-07-18
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: ALLY FINANCIAL INC. (MD)

I called the company several times and explained that the account does not belong to me. I called all three credit bureaus and reported incorrect information on my report. I submitted a paper dispute to all three credit bureaus and asked for the incorrect information to be removed from my credit reports. I wrote to the companies as well and requested to have the account removed from my credit report. This is an error. My last name, my social security number and birth date does not match the person that owe this debt.
Consumer complaint received 2023-01-20
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. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ' XXXX XXXX XXXX ' I XXXX XXXX ' XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX XXXX ' XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ' XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ' XXXX XXXX XXXX  XXXX XXXX, CA XXXX ' XXXX XXXX XXXXXXXX XXXX CA XXXX ' XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ' XXXX XXXX XXXX ' XXXX XXXX XXXX XXXXXX/XX/XXXX ' XXXX XXXXL XX/XX/XXXX ' XXXX XXXX XXXXXX/XX/XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XXXXXX/XX/XXXX ' XXXX XX/XX/XXXX ' XXXX XXXX XXXX XX/XX/XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX  Inquired on XX/XX/XXXX ' XXXX XXXX XXXX  Inquired on XX/XX/XXXX ' XXXX XXXX Inquired on XX/XX/XXXX ' XXXX XXXX  Inquired on XX/XX/XXXX ' XXXX XXXXXXXX XXXX .... Balance : {$0.00} ' XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00} ' XXXX XXXX  XXXX .... Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX .... Balance : {$740.00} XXXX XXXX XXXX XXXX .... Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ' US BKPT CT CA XXXX XXXX Date filed XX/XX/XXXX ' XXXX XXXX  bankruptcy XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX : U.S. Bankruptcy Court
Consumer complaint received 2023-01-20
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. (AR)

My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off of my Credit File ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$800.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXX Opened XXXX XXXX XXXX  Balance {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$82.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$83.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$240.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  I need you to please comply with the Federal Law, fair Credit Reporting Act section 605b, and remove the disputed accounts and information off of my Credit File.
Consumer complaint received 2020-07-18
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. (FL)

I have no knowledge of the following account that I see on my credit report : XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Consumer complaint received 2023-01-20
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. (AZ)

I was identity thefted, I sent all reports and XXXX refused to fix my report and has refused to help me for years now. I've told them over phone, online, and mail what's wrong on my credit report, and I have emails proving rhe refused to help me after a thousand disputes and complaints I've still having issues, it has caused me to be homeless, to loose everything They refuse to remove fraudulent accounts from my report and refuse to fix my name, ive sent paperwork over a hundred times. The yve called me a liar.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

Experian will not let me unfreeze my credit report in a timely or efficient manner. Their website does not accept my information which is all correct. Their phone system does not allow you to speak with an individual and sends you in loops after requesting so much personal information ( SSN, etc. ). Requesting that you mail in information to unfreeze. Not a timely or reasonable solution.
Consumer complaint received 2022-04-04
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. (NY)

on XX/XX/2022 i sent a letter in regards to inaccurate items on my credit reports. its been more than 70 days and i have not receive any validation of debt or results of the investigation. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to delete the items immediately from my credit report. It has been more than 70 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to all stress caused to me.
Consumer complaint received 2020-07-18
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. (FL)

XXXX XXXX XXXX XXXX Collection account. {$560.00} past due as of XX/XX/XXXX I have asked XXXX  to remove this from my credit report. The balance on this account belongs to my land lord. I moved out on XX/XX/XXXX. I moved to Florida I have gas receipts for my drive down to Florida and I also have XXXX power notice when my electric was turned on in Florida and also my new lease in Florida and my moving out notification to my landlord.
Consumer complaint received 2020-07-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (FL)

I wish to file a formal complaint against SE Toyota Finance.

I sent them a letter several months ago explaining that we would have to miss one payment due to being off work for over 4 months. We also explained that XXXX XXXX XXXX put a hold on payments and ALL late fee charges. 

Despite this, we are still being harassed by SE Toyota for both late fee and a missed payment. We have resume payments but requested that the one missed month be added to the end of the contract due to extreme circumstances. 

SE Toyota Finance acknowledged receiving this and have not only done nothing but continue to bill us for both months AND added a late fee. It is my understanding that his is illegal. Certainly unethical, given the circumstances. 

Kindly address this matter. 

Thank you. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX SouthEast Toyota Finance XXXX XXXX XXXX XXXX, NC XXXX
Consumer complaint received 2022-04-04
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX or XXXX I noticed 3 fraudulent un-authorized XXXX charges on my credit card. I promptly notified Chase of these charges ( same day as when I noticed them ) and was issued a new card and provisional credit. 

I explained to Chase that I don't ever use that specific card for XXXX purchases ( use a different Chase card for that ) that I didn't recognized the merchant were the purchases were made and did not make any XXXX purchases during that time period. I was assured that the charges would be properly investigated and I would not be responsible for any fraudulent charges ( Chase 's Zero Liability Guarantee ). I have not heard back from Chase since then until I noticed that the original charges were reversed and posted back to my account on XX/XX/25. 

As per Fair Credit Billing Act and FTC I was never provided with a written notice of reversal or an explanation of why/how it was determined that I was responsible. 

" If the creditor determines that you owe a portion of the disputed amount, you must get a written explanation. You may request copies of documents proving you owe the money '' After contacting Chase to get a further explanation ( 3 different times. 1st agent hung up on me ) I was told that a determination was made based on the fact that in the past I've used XXXX on my other credit card account. After requesting a copy of the report and proof of evidence use to make that determination I was told there wasn't any share. The second agent told me that they contacted XXXX and were still waiting to hear back, yet, somehow still determined that I was responsible for the charges without ever receiving anything from the merchant. 

As per Fair Credit Billing Act Chase failed to conduct a proper and fair investigation. Failed/refused to gather any evidence and decided to close the case based on a hunch ( a probably a desire not to spend any time and money to properly investigate it ). Chase failed to note that the restaurants where the transactions were incurred were thousands of miles away from me, did not request any info from XXXX, failed to note that I have never used that card in the past to make XXXX purchases and refused to share the document proving the charges were authorized. 

It is pretty evident that this was done for the sole purposes of cutting cost. No proper investigation was ever conducted ( if any ). The merchant was never contacted. They failed to prove that those transactions were legitimate or authorized and yet as a consumer they made me responsible for those fraudulent charges. This a clear violation of consumer rights as well as company 's claim of Zero Liability Protection. I have a feeling I am not the first person this was done to and won't be the last.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

all ftc violations listed : XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term XXXX  Months Monthly Payment {$850.00} Responsibility Joint Account Balance {$39000.00} Highest Balance {$37000.00} Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3000.00} Times 30/60/90 Days Late 3/3/1 Remarks Affected by natural disaster Creditor Name XXXX XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$360.00} Highest Balance {$360.00} Payment Status Collection/Charge-Off Worst Payment Status - XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$130.00} High Balance {$130.00} Remarks Medical XXXX XXXX {$330.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX  Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$330.00} High Balance {$330.00} Remarks Consumer disputes this account information XXXX XXXX XXXX {$200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$200.00} High Balance {$200.00} Remarks Medical XXXX XXXX XXXX  {$830.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$830.00} High Balance {$830.00} Remarks Consumer disputes this account information XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$130.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX + {$360.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$150.00} Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$830.00} Original creditor : XXXX XXXX XXXX