davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

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. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account WELLS FARGO XXXX with a Balance : {$0.00} was incurred due to fraudulent charges, which according to VISA/ Mastercard Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Consumer complaint received 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA IS GUILITY OF OBSTRUCTION OF JUSTICE. 1 ) USAA Refuses to provide Documentation upon Completion of Fraud Investigations per Statue. 2 ) USAA does Not Resolve Fraud within 2 billing periods per Statute. 3 ) USAA does Not Provide Timely Fraud Credits per Statues. 5 ) USAA posts SURPRISE FRAUD CREDITS XX/XX/XXXX {$460.00} HIDING DOCUMENTATION OF SPECIFICALLY WHAT TRANSACTION DATES FRAUD IS CREDITING ON WHICH CARD per statues. I have requested numerous times TO NO AVAIL. 6 ) USAA COLLECTS ON ID THEFT against Statue. See attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED TRANSACTIONS COMPLETED FRAUD INVESTIGATION. USAA Is this what the surprise credits are for XX/XX/XXXX?? IS USAA FINALLY PAYING FOR FRAUD THEY HELD ME LIABLE FOR FOR TWO YEARS?? THE ACCOUNT THAT DESTROYED MY CREDIT?? THE ID THEFT case XXXX??? USAA IS PROVIDING FRAUD CREDITS TWO YEARS LATE AND REFUSES TO DOCUMENT. Why????????????? ( 6 ) STATUES BROKEN WHY IS USAA ABOVE THE LAW ON ALL 6????
Consumer complaint received 2020-05-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Fraudulent charges were made on my bank of America credit card. These charges were eventually removed, after contacting the company on several occasions. They are now, however, reporting late payments to my credit report for the period these fraudulent charges remained on my account but unpaid.
Consumer complaint received 2022-08-20
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. (NY)

My card has been compromised THREE times already and I have fraud charges that are affecting till this day. I have called multiple times for the past 2 months to initiate a fraud dispute and nothing is being done at all. I kept being told that they were working on it but since the first fraud charge back in XXXX nothing has been done about it. I couldnt access my disputes online until recently but nothing was done. I have an insane balance of XXXX dollars that isnt because of me and I refuse to pay for fraudulent charges. Ive had multiple cards replacement cards sent to me and have dealt with the same issue. I was a victim of fraudulent charges on multiple accounts from multiple banks and have resolved everything except for CitiBank. 

Ive contacted them on multiple occasions : XX/XX/XXXX ( Twice ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Twice ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Twice ) XX/XX/XXXX ( Twice ) I was told each time that were will be a resolution the next day but nothing was ever done. 

Fraudulent Charges : XX/XX/XXXX {$52.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$20.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$28.00} Ive contacted XXXX and they have submitted a dispute about it. CitiBank has not helped out for months while im being forced to pay out my balance. I do not want to ruin my credit and I want this card to be canceled and off my report completely.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My credit report contains many errors. I request your investigation of the following " personal information ''. Please see the attached photo copy of my drivers license and statements for your reference. For the record : XXXX. My name is : XXXX XXXX. Please remove all other name variations IMMEDIATELY as they are not accurate! 
XXXX. My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( XXXX ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.
Consumer complaint received 2020-05-20
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I submitted a complaint with you - XXXX - I forgot to add my trans union credit report at the time. I would like to add it so that you can see what was on my credit at the time of a 35 point drop ( XX/XX/2020 ) I have since got a collection account that I paid off - but that happened on XX/XX/XXXX - which dropped my score again. 
My score dropping on XX/XX/2020 - There was absolutely NO reason. Trans union says they do not see why it dropped but will not give the points back.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (MI)

There are multiple closed accounts on my credit report which are XXXX, XXXX, XXXX, XXXX and even XXXX XXXX XXXX which are closed out. Most are from Nelnet and Department of Education. I have filed complaints about all three of them I have directly contacted all three of them and filed complaint and this information never goes away. The accounts are closed or they have been Consolidated into different loans so they no longer exist and they Continue to update but they are not removed one of them is even XXXX years old.
Consumer complaint received 2022-06-29
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)

in accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 Section 602. 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 an account without my written instructions.
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

Citibank promised a new account promotion for {$400.00}. It should reach to my account by XXXX. Please see attached letter sent by their research team. But the same money has not come to me yet. I did many follow up with their customer care but none of them are helping.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened an auto loan in XX/XX/XXXX with Bank of America. I have always paid it on time, yet Bank of America reported to all 3 credit bureaus that I paid late in XXXX and XXXX of XXXX. 

I have a copy of my ACH automatic payment form that was submitted to Bank of America on XX/XX/XXXX, via the email address they gave me. 

During several phone calls, I have confirmed that the form was indeed received. 

However, Bank of America has continued to fail to withdraw the agreed upon payment via the ACH, and instead marked my account as paying late. 

When I received the late notices, each time I called and spoke to bewildered customer service reps who had me make payment over the phone, and told me they were sorry that they didn't withdraw via ACH as agreed. They told me to dispute the inaccurate late payments through the credit bureaus. 

So I disputed the false late payments as instructed, at all 3 major credit bureaus. 

And to my surprise, each late payment dispute came back as verified by Bank of America.
Consumer complaint received 2020-05-20
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)

I was made aware of an account and several inquiries appearing on my credit report that do not belong to me. I found out today XX/XX/20 because I had my credit ran to see if I pre-qualified for a home loan. I had no idea these inquiries and account were on my credit report because that are not mine and I didn't give anyone else permission to open this account or make these inquiries in my name. I don't know who is responsible for this but I have already filed a police report. I do not have any written/verbal contract with any of the companies listed on this report and I did not benefit anything from these items being open in my name such as money, goods, services or any other benefit. I have filed a complaint with the CFPB regarding these inquiries and account that were opened without my authorization.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an 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 2020-05-19
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. (CA)

I applied for a XXXX XXXX XXXX Card a few weeks ago and I wasn't approved on the spot now today XX/XX/2020 I received a letter in the mail stating the reason why I was not approved was because there were many accounts in negative standing appearing on my credit history. I had no idea there were negative accounts on my credit so I looked at my credit report and there are 6 accounts with negative payment history that are not mine. I did not open any of those accounts nor did I allow anyone to open them in my name. I do not have any type of written/verbal contract with any of these companies and I never gave them permission to run my credit. I did not benefit anything form these accounts and I did not make any payments towards the debt of each account. I have filed this report to the best of my knowledge and I have also filed a police report regarding this suspicious accounts.
Consumer complaint received 2020-05-19
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. (TX)

I recently look at my credit report and noticed somethings that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on the XX/XX/XXXXand never heard anything back. So I sent a 30 day comply on XX/XX/XXXXand I've yet to get any feedback on my investigation.
Consumer complaint received 2020-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

Account paid in full XX/XX/2020 with the medical provider. Wakefield showed up on my credit report in XX/XX/2020 and I have been trying to obtain information and show them that my account was in full. They tell me they haven't heard from the medical provider and the medical provider tells me they have contacted them to tell them my account is paid in full and nothing is owed. I even emailed them numerous times with proof of payment and XXXX  balance with no response. I call them and they just tell me they can't help me and to wait until they hear back from the medical provider.
Consumer complaint received 2020-05-20
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. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX  XXXX Balance Owed : {$7200.00} XXXX XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX  XXXX Balance Owed : {$3400.00}
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had previously filed a complaint with the CFPB case # XXXX and have included the company 's response. Capital One didn't provide any documentation as proof of there decision and why the denied me. Capital One in there response provides all the denial letters and the reasons for denial. It's very disturbing that the CFPB would close my complaint without any investigation. I am providing proof that Capital One is denying me for other reasons besides my credit history. In there responses they state I have too many inquires which in there disclosures states two or more, that I have a collection or judgment, They also pulled my credit report on XX/XX/XXXX without my consent. When I spoke to the representative XXXX she stated they would use the information from the XX/XX/XXXX application. Capital One seriously needs to look into this further and provide the proof for there decisions. I am providing my credit reports from the credit agencies Capital One used for there decisions as proof and that everything Capital One states in there denial letters are not on my credit reports. I hope discrimination is not the reason for my denial for a Capital One credit card.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (TX)

american express serve prepaid card permanently closed my account for no reason. my unemployment and savings are on that card and i need that money back!! i have the original email that they sent me. apparently they do not have a 1800 to call and resolve this with a representative.
Consumer complaint received 2020-05-20
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)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$5500.00} XXXX  XXXX XXXX {$2700.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX {$2200.00}
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

I disputed the account XXXX XXXX  XXXX with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$220.00} ) with Equifax , XXXX  and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$150.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$250.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$910.00} ) with Equifax , XXXX and XXXX  and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX  XXXX ( {$720.00} ) with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXX XXXX with Equifax , XXXX and XXXX and the incorrect information is still there. 
I do not know who XXXX XXXX XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX. 
They should NOT be on my credit profile. 

I disputed the account XXXX XXXX XXXXXXXX and the incorrect information is still there. 
This account was Never Late, NOT CHARGED OFF AND DOES NOT HAVE A BALANCE. However Equifax, XXXX and XXXX have it marked as late, charged off with a blance. 

I disputed the account XXXX  with Equifax, XXXX and XXXX and the incorrect information is still there. 
This account was Never Late and never charged off however Equifax, XXXXn and XXXX have it marked as late and charged off. 

I disputed the account XXXX XXXX  XXXX and the incorrect information is still there. 
This account was Never Late, and NOT CHARGED. However Equifax, XXXX and XXXX have it marked as late and charged off. 

I sent disputes about the above accounts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The errors still exist
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account.