davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
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)

XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report. 

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2021-07-30
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. (OH)

I would like to update my credit file properly due to the fact someone had use my ID back in 2019. I see my name is still spelled wrong and there are SS # that are not mine as well as addresses that do not belong to me. 
Please delete/remove the following names : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
My current and only addresses is XXXX XXXX XXXX XXXX XXXX Please delete / remove the following unknown/ fraudulent addresses : 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 OHIO 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 LA XXXX XXXX My SS XXXX DOB XXXX please delete any other data or information that doesn't match.
Consumer complaint received 2021-08-03
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. (TX)

XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank has refused to my complaint to me or my agent XXXX XXXX. There is no attorney who represent me for my mortgage and loan modification so on Period. XXXX XXXX HUD counselor is only representing us for loan modification and mortgage. Attorney only reparent us for violation of privacy law changing our address to strange place. Bellow is what I wrote to Wells Fargo Bank on XX/XX/2021 on their phony response. 
Since XXXX and unit XX/XX/2021 we have provide multiple and authorization to to HUD counselor and Wells Fargo Bank refused to communicate with XXXX XXXX. On authorization is attached. 
Below is my attorney information who will deal with only privacy laws and I will ask him to file lawsuit of {$5.00} XXXX dollars. 

WELLS FARGO BANK IS DENYING US RESPOSNE ON A FALSE AND PHONY REASON.
Consumer complaint received 2021-08-03
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: National Credit Adjusters, LLC (TX)

XXXX XXXX, 2017, {$730.00} disputed account multiple times with credit bureau and the company.This account was opened fraudulently. Notified authorities NCAXXXX NATIONAL CREDIT ADJUSTERS XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-27
Product: Credit 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: AMERICAN EXPRESS COMPANY (CA)

I hope this letter finds you well. I am writing to formally file a complaint against American Express for discrepancies and mismanagement of my credit card balance. 

Non-updated Credit Card Balance after a {$1300.00} Dispute : Sometime in XXXX XXXX XXXX, I disputed a transaction amounting to {$1300.00} on my American Express credit card. Despite the dispute process, my credit card balance was not updated or adjusted accordingly. This has caused undue stress and confusion, as my credit statement does not accurately reflect my true outstanding balance. 

Erroneous Addition of {$1000.00} to Credit Card Balance after Dispute Rejection : I disputed another transaction with American Express, and when the resolution was rejected, they added an additional {$1000.00} to my credit card balance. This is perplexing since, to my observation, no initial credit was ever applied to my account during the dispute process. When I inquired about this discrepancy, I was informed by American Express that they had credited the amount initially, though I have closely monitored my account and can affirm that no such credit was made. 

These instances not only show negligence on the part of American Express in maintaining accurate records but also pose a significant inconvenience and financial strain on me. I have made multiple attempts to rectify these issues directly with American Express, but have been met with either inconclusive explanations or lackluster attempts at resolution. 

During the second dispute process, I was wary of American Express 's handling based on my prior experience. As a precaution, I took a photo of my account balance before and after the dispute to have tangible evidence of any changesor lack thereof. Upon resolution of the dispute, I observed that my credit balance remained unchanged, contrary to the expected adjustment. When I contacted their customer support for clarity, they claimed that they had already credited the disputed amount to my account. However, the photos I took serve as proof that no such credit was made, thus highlighting a discrepancy in their claim. 


In light of the above, I kindly request the intervention of the CFPB to investigate these discrepancies and ensure that my credit card balance with American Express is accurate and just. 

I am more than willing to provide any additional documentation or evidence to support my claims, and I earnestly hope for a prompt and favorable resolution.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My account was sold from XXXX  XXXX to XXXX XXXX XXXX. XXXX has garnished my wages twice. Once in the amount of {$70.00} and the second time in the amount of $ XXXX. Even though they have successfully garnished my wages twice, this account is still appearing on my credit report owing {$720.00}.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NJ)

On Saturday XX/XX/2022, I received notification from XXXX XXXX that my IKEA credit card was closed. I called into IKEA customer service and spoke with three representatives. The first representative I spoke to I had to get an analysis on the line and speak with them to find the reason behind my card being closed. The reason she said my card was closed was due to inactivity. She said that on the bank side that my card was scheduled to be closed on XX/XX/XXXX of 2022 if a purchase was not made. 

I told the representative that I just made a purchase on my IKEA card on XX/XX/XXXX of 2022 so how can my card be closed due to inactivity. I also informed the representative that I did not receive any notification at all not via email not via regular mail not via phone call or text message that my account was up for closure due to inactivity. 

She was unable to give me an answer and told me to reapply for a card. I told her I did not wish to reapply because 1. The company closing my card has already negatively impacted my credit report and 2. If I reapply it will be a hard inquiry into my credit report and that will also drop my score. 

She told me that there was nothing that she was able to do but she can escalate the situation to her supervisor. 

So I spoke with her supervisor who agree with me that no notification was sent to me at all from the bank and that my account should not have been closed because I made that purchase in XXXX of 2022. She's unsure of why my account was closed and told me that the only thing she can do is escalate the situation further. 

So I spoke with XXXX XXXX XXXXXXXX who told me that the only thing I'm able to do is to write into the bank explaining the situation and see what happens from there. 

I believe is extremely unfair that my account was closed. It has negatively affected my credit score and there was no reason for the account closure. I did not receive any notification that the account was going to be closed due to an activity but regardless of that fact I did make a purchase and XX/XX/2022 which should have offset the account closure of XX/XX/2022. I will be writing a letter into the company but I feel the need to make this complaint as well.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I applied for a B of A Platinum Rewards Card online. I received a email telling me my application was pending. I received a call from a B of A rep on XX/XX/2022. She was going to complete the application process but the number on my application was not the same number on the CR. She said she would mail me a letter and complete the process when I receive the letter. I called B of A on XX/XX/2022 and spoke to a rep name XXXX. I confirmed that I received the letter by mail. We completed the verification process. XXXX said I was approved for a {$4000.00} XXXX. The card would me mailed to the address on my application. I have never received the card. I called today, I was told that my social security number and the phone number entered into the system us incorrect. The agent was confused and wondered HOW rep XXXX was able to complete the verification process with the incorrect info in the system. I gave the correct information on my application that is HOW the first rep who called me was able to see that I have a statement attached to my credit report and they had to verify who I am before extending credit to me. So the incorrect information that the B of A saw in the system, today, was entered in incorrectly by a B of A rep. Now, my credit card is in limbo due to errors that are of not my doing.
Consumer complaint received 2021-08-02
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: Experian Information Solutions Inc. (AZ)

I have written letters to these credit bureaus multiple times, they do not respond nor do they investigate. It has been over 30 days I started disputing back in XXXX on the XXXX to be exact. I have not seen any changes or removal of the incorrect information reported. At this point they have to had broken some law by continuing to report incorrect information and not even investigate it!
Consumer complaint received 2021-08-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (UT)

Today I made a call to Carrington Mortgage. I spoke with XXXX. He spoke to me in a very harsh manner and told me that I qualified for only one month of forebearance, which I was never notified of, instead of the normal three months. Then he started to create a horrible scenario of evictions, foreclosures, and losing my home all within the same breath. How dare he create such a fearful situation for someone that he knows nothing about! Absolutely the WORST customer service! I believe my loan is a FHA loan and Im entitled to two extra three months of extensions of forebearance. This is a measure of assistance, not a situation of fear and control! Shame on you Carrington!
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: National Credit Adjusters, LLC (CA)

I hired a credit repair company over a year ago to get some accounts off of my credit. They were only successful in getting one off, and I paid {$800.00}. They keep saying that they're going to get more accounts off, but nothing ever happens. I want a refund.
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I am currently experiencing a problem with my credit report which involves my report being delinquent with late payments.I WANT SUCH LATE PAYMENTS TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY AND PERMANENTLY. 

XXXX XXXX XXXX AND XXXX XXXX XXXX
Consumer complaint received 2021-08-02
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: Experian Information Solutions Inc. (AZ)

I have attempted to have my information verified through the three bureaus and have received no correspondence nor update on the matters I brought to their attention. I feel that they are not complying with their own policies and have left me no choice but to file this complaint in hopes I receive better results this way.
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IA)

After selling a item the buyer sent payment via PayPal then tried to file a dispute in which I won .. because i had all the proof and copy and documentation necessary... they closed claim in my favor told me I'd be able to access the funds XX/XX/XXXX. The funds are there but they are still not allowing me to pull transfer nothing they have now come up with some other XXXX that makes no since and after holding my money over a month claim they can another 180 days after saying the XXXX I'd be able to have it I need the money I made from selling my item that they have stolen my funds it shows on my paypal but I cnt take it
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

InXX/XX/XXXX I wrote a letter in regards to my XXXX  and at the federal level having a XXXX XXXX  therefore legally you can not hold my inquiries against it is out of my control. Have since been my medication and is under control I wrote all three major credit reporting companies. In regards to this and still they have not attempted to remove any of them. This is starting to aggravate my severe XXXX. Which that to I am legally diagnosed with as well and can provide verification. I only asked that they would work with me. Ive already feel terribly XXXX. And Im stuck on trying to resolve this Again can not help it sometimes
Consumer complaint received 2021-08-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (LA)

I sent a validation of debt letter on XX/XX/2021 and this company has failed to validate the debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collections activities immediately.
Consumer complaint received 2022-02-25
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: LoanCare, LLC (GA)

To Whom it may concern, I received an email from XXXX XXXX  stating that my credit score went down XXXX points because of a late payment to Loan Care LLC. I have never had a late payment on my credit. I called Loan Care and they told me that my last payment was XX/XX/XXXX of 2021. There was no payment for XXXX or XXXX. I pay this automatically through XXXX XXXX Bank. I have attached a document showing that the XXXX and XXXX payments were scheduled and were also showing in the history. I called XXXX XXXX XXXX  and they said someone would call me within 3 business days. They said that they saw that I had scheduled these payments automatically for the first of each month but that they did not send the checks. She did not know why and had to escalate this. I told her I wanted something from the bank stating that this was the fault of the bank. She said I would have to wait until someone e-mailed me about this within 3 days. 

I called Loan Care and I told the representative that I had not received any communication from Loan Care about this. She said that they called me but received no answer. I said why wouldnt they leave a message. I dont answer calls if I dont know the number. She said that they sent a letter in XXXX. I have not received that because I am at my other home in Georgia. 

The research done by XXXX XXXX it was found that the payment for XX/XX/XXXX was lost in the mail and the payment for XXXX was cashed on XX/XX/XXXX. I asked why the second payment was not cashed on the first because I schedule my payments to get to Loan Care by the first and I was told that was up to the merchant when they cash it. I was told by XXXX XXXX that the screenshots should be enough to resolve this. They do not send letters. I have attached the payment history along with the check numbers that were sent. I sent this info to Loan Care and they will not take off the derogatory mark from my credit because they said a check lost in the mail is not their fault. 

I am very upset about this and am asking for my credit score to be restored. I paid the two months right away after I found this out. 

Please let me know if you can resolve my credit issues. I have never had a late payment in my life and this has reduced my credit score by XXXX points by no fault of my own. Please advise. Thanks you very much! 

Sincerely XXXX XXXX
Consumer complaint received 2022-04-25
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. (FL)

I found an account on my credit that I didn't open, so I made a police report and sent it to the company AND to the 3 major bureaus, whom by law have only 4 days to remove it. 30-days later, it's still on my credit report and I've received ZERO response from anyone involved.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On XX/XX/2019 USAA FEDERAL SAVINGS BANK LET SOMEONE DEPOSIT A FRAUDULENT CHECK FOR XXXX AFTER LETTING THEM CHANGE MY ONLINE INFORMATION WITHOUT MY PERMISSION NOW THEY HAVE TAKEN XXXX OF MY MONEY AND WANTS ME TO PAY ANOTHER XXXX DOLLARS TO COVER THEIR MISTAKE
Consumer complaint received 2023-01-15
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXXXX XXXX XXXX XXXX Account number XXXXXX XXXX XXXX XXXX  Account number XXXXX XXXX XXXX XXXX Account number XXXXX 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.
Consumer complaint received 2022-02-25
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. (FL)

I was checking my credit report and. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED
Consumer complaint received 2021-04-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC (FL)

I have disputed this account with Fidelity Creditor Svcs as well as XXXX  and XXXX on XX/XX/20. I have request documentation bearing my signature to validate that this debt belongs to me. I have not received any information in return about what this debt is, why they are saying I owe this or if it in fact even belongs to me. Since then, I have repeatedly asked for verification from Fidelity Creditors Svcs, XXXX, and XXXX via certified mail to confirm the validity of this debt to be mine. Once again, NONE of these agencies have provided documentation that this debt belongs to me and have not sent any document bearing my signature. The original credit amount is listed at {$2100.00} and the creditor continues to add some type of charge every month and the debt amount is now {$2400.00}. This is a clear violation of my consumer rights.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. And, also I dont know this item, not mine. You're reporting this item erroneously. This is an error and inaccurate information must be deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete this.