davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-08
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. (GA)

I checked my consumer and I recognized that i had unauthorized inquiries and then I reached out to the credit reporting agencies that was reporting the inaccurate information I then proceeded to contact them about the inaccuracies but they refused to remove them
Consumer complaint received 2021-09-08
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. (TX)

XXXX Card Dpt Ed/XXXX I XXXX unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Continuation of XXXX : Good afternoon CFPB, Continuation of the prior complaint. 

1. The current review by XXXX XXXX is insuffiencient. Mr. XXXX XXXX works for WF and I provided all the information to XXXX. He worked in the XXXX  XXXX office as a mortgage initiation office and was part of the team. The loan to value for the property was upside down, I tried to not close, discussed the matter with Mr XXXX. I was threatened with litigation by the XXXX  XXXX Team including Mr XXXX. The loan had no merit and put me in a uncomfortable position. The bank, Wells Fargo, was complicit and an active player in this freudulance process. 
2. The loan was reevaluated in 2017 a year after the judgement against WF and no mention was made to that judgement during a very arduous process with WF. As a feduciary, they have an obligation to their customers to disclose such items. That is fraudulent, and unethical.

3. Please explain why I received a check with an appology letter from Wells Fargo for their fraudulent activity regarding my loan. Please have WF provide a written document elaborating their fraudulent activity regarding the loan in question.

4. Please provide contact for legal representation with an appropraite legal office to deal with Wells Fargo. And the legal department at Wells Fargo to advance this issue professionally. 

Thank you, XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit 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: FIRST NATIONAL BANK OF OMAHA (CA)

I previously disputed a credit card bill from FNBO credit card issued to my now deceased husband, and file a CFPB complaint XXXX. FNBO response references a XXXX XXXX XXXXXXXX Credit Card Account, and refers to a letter dated XXXX XXXX, 2023 which states " A third party verification service reviewed the application and provided us with information indicating you completed the application ''. 

I have requested clarification regarding the XXXX XXXX XXXXXXXX Credit Card Account and copies of the third party verification and the application reference. I further asked for clarification of the distinction between joint ownership and primary cardholder As I explained my now deceased husband applied for the FNBO Credit card before we were married. I never applied to be included on the account and I never used the Credit card.
Consumer complaint received 2021-09-08
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. (CA)

Experian received an Identity Theft Report in according with FCRA requirements on XX/XX/2021. Pursuant to FCRA, Experian is required to block the information provided as a result of identity theft. Instead, Experian added a fraud-alert and opened a dispute. Upon re-investigation by Experian, they concluded the accounts I stated were identity theft, were verified and accurate. There are several problems I'd like to point out. First, Experian does not have the proper tools in place to ensure fair and accurate credit reporting, this is evidenced by receipt of my complete identity theft report required by the FCRA and the consumer reports I have on record of the alleged information still being reported on in my file. Experian chose to follow the guidelines for implementing the fraud alert and requiring my direct consent prior to opening any accounts, even though I did not direct then too as required under 15 usc 1681c-1. Experian received my Identity Theft report and demand to block, followed a few of the federal rules and then violated many others. Is Experian is not required to follow the FCRA laws? Additionally I have contacted Experian after they did follow federal rules, in good faith, to address their failure. They continue to run the automated program that disputes the information and fails to conduct a reasonable investigation which allows for the continuation of abuse and harassment through my consumer report. Consumer laws were written to protect me from this kind of behavior. Congress has stated several times that it is your grave responsibility to report accurately. I am prepared to sue Experian for their failure to follow federal laws which have now harmed my reputation and are harassing and oppressing me and my family.
Consumer complaint received 2023-01-17
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2021-09-08
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. (FL)

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This was my 27th compliant that I was a victim of identity theft and this is another request to remove the accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any items not later than 4 business days after the ( XX/XX/XXXXXXXX  ). Ive already included this report in my previous letter & I am including it again. Also, the information the Bureaus provided on these accounts were UNKNOWN to me and were REMOVED from other bureaus and I have doubts about the accuracy. Please see below the items for REMOVAL : 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 2022-04-26
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. (MD)

In accordance with the Fair Credit Reporting act XXXX credit acceptance, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-11-26
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)

Im disputing factual data based on information from my credit monitoring service. The company in question is XXXX XXXX, it is the duty of the credit bureaus to report accurate & correct information XXXX : The account type is blank & date last paid is inconsistent with the data against Transunion & XXXX. Its also showing blank information for the account type for the but the other XXXX bureaus have information, in addition the credit limit is blank. This needs to be deleted XXXX : There is no high credit balance listed on the report but there is XXXX with the other XXXX bureaus. Please delete as this is incomplete & inconsistent with whats being reported Transunion : The date that the account was opened doesnt match the other XXXX reporting bureaus. Please delete
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2021-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (TX)

For months I been contacting XXXX to removed derrogaroty remarks out of my credit report. I own Target credit card with TDBank for XXXX years or more, before covid started I put myself behind, NEVER in XXXX years late, with a total line of credit of {$8000.00} never used. 
My Dad got XXXX anf priorities shifted, I still called them and I was unemployed in XXXX for XXXX months and I keep them informed. In XX/XX/XXXX I resolved this debt in a settlement of {$900.00} with XXXX the cpllction company target used to collect, they pulled the wrong amount due to being made over the phone with a debit card ( never again ), they pulled {$1200.00} so the bank reimburse me for {$330.00}. I called them in XXXX I told them I needed to be reported diferent in my credit since I have already paid, they advise me to talk to Target that they do not do any reporting. Is been a a totally struggle and right now this account is preventing me to refinance my home. In XXXX XXXX I sent letters to TDBank , the XXXX credit bureau XXXX to XXXX XXXX after hearing the shoking news that my account have not been paid, this letters included copies of bank statement, letter of settlement and they still doing nothing about it. I also faxed the probe to them and e mail the satements This is unfair dealing I had paid this account in the settlement they agreeded upon which was {$900.00}. I need them to fixed I called the Law firm XXXX XXXX and a lady by the name of XXXX XXXX said that they been handling my case as a complaint not as a dispute and that allow them to revised ONE more time the documents I Sent XX/XX/XXXX to her e mail at XXXX and give them 5 days to call back for the status. 

XXXX of XXXX showed amount pulled by XXXXTarget XXXX XXXX XXXX on XX/XX/XXXX transaction XXXX of XXXX showed amount of {$330.00} a provisional credit from transaction XXXX.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX and XXXX This debt was paid to the original creditor and you have no business continuing to report it as a collections account. In fact, I never had a contractual obligation with this collections company and they are fraudulently claiming I owed them.

DEPTEDXXXXI do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account
Consumer complaint received 2022-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2024-11-08
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. (GA)

Was informed by XXXX XXXX  that my information had been compromised in a recent data breach. 
I froze all XXXX of my credit reports and went over them and identified an inquiry ( XXXX Bank XX/XX/year> ) I do not recognize nor remember initiating, I then verified that I had no personal credit account open with them. 
I called into Transunion and tried to have the inquiry removed but they said I needed several documents ( State ID, Social Security Card, Police Report/Affidavit, Recent Utility Bill/Bank statement ) I am submitting those document through this complete in hopes of a fast resolution.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Update to CFPB complaints XXXX AND XXXX : BoA EDD Case XXXX for fraud charge reimbursement : Yesterday ( XX/XX/XXXX ) I was informed by BoA EDD phone reps XXXX in TX and XXXX in MN that XXXX XXXX East Coast Time XX/XX/XXXX, BoA EDD had changed the status of my debit card from ACTIVE to SUSPENDED and initiated a fraud investigation due to suspicious charges that day and XX/XX/XXXX. Yet despite all that, BoA authorized several more fraudulent XXXX charges on made after that on XX/XX/XXXX from XXXX to XXXX. I WAS NOT NOTIFIED DESPITE A FRAUD ALERT SET TO EMAIL ME ANY SUSPICIOUS CHARGES. Here are a few of them : XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX  $ XXXX XX/XX/XXXX XXXX  $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX The criminal who made these charges did so from XXXX account that wasn't mine XXXX eg. not my name, address, card expiration date, PIN, or 3 digit code! Also, XX/XX/XXXX fraud charge by XXXX XXXX did not have my name or any info on the card. Yet all those obvious fraud charges were approved by BoA and no email of suspicious charges sent to me, no letter or phone call ( BoA had my phone number via XXXX other BoA accounts I have under my social security number. 

DESPITE THIS NEGLIGENCE, BoA refuses to credit back these RED FLAG fraud charges. I strongly stated that the 60 day time limit should not apply, because BoA EDD did not notify me of the suspicious charges or fraud investigation initiated on XX/XX/XXXX. On XX/XX/XXXX, BoA EDD rep XXXX told me my complaint was DENIED and that I did not receive an email notification of suspicious charges because BoA did not deem them to be " suspicious '', Yet they changed the status of the card to SUSPENDED and initiated a FRAUD INVESTIGATION AT XXXX ON XX/XX/XXXX. That is outright duplicity and a huge contradiction. 

Also, I could NOT LOG in to view my monthly statements because the email hotlink notification of same had a virus so website access was blocked! I've provided BoA with screenshots of that to no avail. 

PLEASE HELP ME GET REIMBURSED FOR THE ABOVE FRAUD CHARGES AND PUBLICIZE BoA EDD negligence and horrible handling of this case. 
In addition to my BoA EDD account, I AM a multi-decade BoA Platinum Honors Preferred Rewards client with BoA checking and CMA Merrill Edge accounts. Yet the bank doesn't consider that in the handling of my complaint. I feel trashed, bashed and destroyed by BoA EDD
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-08
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. (GA)

As of XX/XX/2021 I have attempted over 6 times, over several months to remove fraudulent accounts on my consumer report related to identity theft. Your company has willfully neglected to comply with federal law and are in clear violation of 15 U.S. Code 1681c-2- Block information resulting from identity theft. Your agencies individual policy doesnt supersede federal law. The law says, in a case of identity theft a consumer must provide a XXXX. FTC Identity Theft Report XXXX. Identification XXXX. Confirmation from the consumer that said accounts resulted from identity theft and that one doesnt assume or accept responsibility. The following statement is directly from a government website bonded by the United States Government via consumer.ftc.gov : If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it wont show up on your credit report, and companies cant try to collect the debt from you. If you have an FTC Identity Theft Report, credit bureaus must honor your request to block this information. I indeed provided these items several times and sent said documents with notary certification. I have provided once again another FTC Identity Theft Report along with identification and a statement confirming these accounts resulted from identity theft. 

The account related to identity theft is : XXXX XXXX XXXX