davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I have been with Wells Fargo for Three & Half years. I been depositing my payroll check for XXXX and half years. Always getting half of my money. So I mentioned it and they will tell me difference answer. If they would havelook and see how many deposits were made then, they would see the checks was consistent. So I chose to put all of my checks in another bank and it doesn't matter if it's the weekend or whatever. I get all of my money, and my XXXX deposit comes XXXX days early. I had mentioned this to teller that I was changing banks, they didn't care. This's my complaint.
Consumer complaint received 2023-03-03
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. (MS)

My name is ( XXXX XXXX ) and I am a consumer/natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report by Experian, and I did not consent, nor authorized these transactions on my report. Unauthorized inquiries has been furnished on my consumer report which is a direct violation of 15 U.S.C 1681b ( c ) ( A ) ( B ) ( i ) ( 3 ) under the FCRA. This is also a violation of my right to privacy in accordance with 15 U.S.C 1681 ( a ) ( 4 ). Its your duty to accurately report information and as of now your not doing that and its impairing the efficiency of the banking system and causing harm to I the consumer and my consumer report.
Consumer complaint received 2023-03-03
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. (GA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts : XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} I sent a request to validate them last time but they are still erroneously reported on my file This was already included in my prior COMPLAINT, and I'm including it again.
Consumer complaint received 2023-03-03
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-03-03
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (MO)

I received a phone call from XXXX at XXXX today. The person on the other end of the phone identified himself as XXXX from National Credit. When I asked him for his supervisor 's name, he hung up on me. I looked up the phone # on XXXX and found it is actually for the XXXX XXXX in XXXX MO. I believe the person calling is either using fraudulent tactics to obtain information and/or money from me ~or~ is at the very least illegally disguising their phone # if they actually do work for National Credit.
Consumer complaint received 2023-01-23
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)

Although I appreciate you spending the effort to FIX some of the data on my credit report, there are still several accounts that require UPDATING. These accounts must be verified by the XXXX credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I wish these disputed accounts could be updated or repaired immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (SC)

Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible. It has been more than 5 months and I have never been given any information of the results of my request. I don't recall informations and I have never given permission to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.
Consumer complaint received 2023-03-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
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. (AZ)

XXXX Credit Bureau, received two fraudulent claims that I was late on payments and destroyed my credit score. The companies that gave these false reports are XXXX XXXX and XXXX XXXX  XXXX. I had a {$2000.00} loan with XXXX XXXX and when I made the last payment OXXXX XXXX  claimed I refinanced my loan and that I owed them {$1800.00}. XXXX XXXX could not provide one piece of evidence attesting to the refinancing of my original loan. There is a report with CFPB concerning XXXX XXXX. 
I disputed this with XXXX but they wouldn't do anything about it and drove my credit score down to below average. 
The same scenario happened with XXXX XXXX XXXX. I had charged approximately {$1400.00} dollars worth of vitamins from a company called XXXX, MD. Every payment I made the account balance remained the same and i was paying interest as if I wasn't making any payments at all. This went on for months and the amount owed on this account never went down. I complain to the CFPB and all of a sudden the balance went down to where I had only one payment remaining. XXXXXXXX XXXX XXXX contacted all three of the credit bureaus and told them I was over thirty days late on my last payment. However, all payments to XXXXXXXX XXXX XXXX were on auto-pay and the monthly statements showed auto-pay. I disputed this and I provided copies of the monthly statements to each of the credit bureaus and pointed this statement out but they did nothing other than lower my credit score.
Consumer complaint received 2023-03-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (NC)

Collection agency SEQUASTSOL reported a debt that I dont own to my credit report. As per SEQUASTSOL I own them {$47.00} for XXXX XXXX XXXX TV service, which is not true. I have other TV service provider and I dont own any money to them. I never received any bill from neither XXXX XXXX XXXX or SEQUASTSOL, I found out because I checked my credit report. They are using this COVID-19 unprecedented time to play with people emotional wellbeing through fraudscam with fake debts.
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (VA)

I left XXXX XXXX XXXX  in XXXX VA IN XXXX of 2018. We had free XXXX XXXX and now I have a bill I know nothing about. Now Franklin Collection SV wants {$94.00} and flagged my credit reports for a bad debt
Consumer complaint received 2020-11-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act. The list of accounts bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX Account number : XXXX XXXX XXXX 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. A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) 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 crime 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 2023-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (WA)

On approx. XX/XX/23, I was notified by my XXXX XXXX  company that someone had opened a credit card in my name at CITI bank. I contacted Citi and was told that they had stopped the issue of the card. I then contacted XXXX XXXX and they proceeded to take a report and have the new credit card canceled and my credit report updated as well. In the interim, I received a call from XXXX XXXX asking if I had recently tried to open a new account there. I told them no and they said they would take care the problem. I then had XXXX XXXX have the credit bureaus put a fraud flag on my account which would prevent anyone other than me from opening new accounts in my name. In addition, the same week the credit card issue happened, my bank account was hacked, and the bank stopped the requested transaction, and I was required to open a new account.
Consumer complaint received 2020-11-13
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. (NY)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

There is an account that I have written to transunion and XXXX because I do not know the account. I ask that it be corroborated and removed from the credit This is account : XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PR)

There is an account that I have written to XXXX and equifax because I do not know the account. I ask that it be corroborated and removed from the credit This is account : XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-02
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 have inquired on my credit report that needs to be removed. I will provide the list of inquiries. 
XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove, I'm a victim of credit fraud
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (AL)

On XX/XX/XXXX, I received a Milestone CC in the mail. I never applied for this card. Then on XX/XX/XXXX, I received a letter saying thanks for letting us know about your change of address! Weve updated your Milestone Account.. Well- I didnt apply for the card and I didnt request change of address. I just want card closed and my security info not being used for peoples enjoyment.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (KY)

Online savings account opened XX/XX/XXXX and had over XXXX deposited to it other the time it was opened until it was closed by Marcus on XX/XX/XXXX. The balance at closing was {$100000.00} and they closed the account when I started transferring to another bank as their service was horrible. When the account was closed, I received an email letting me know so I called and was told a check was going to mail out to my XXXX Kentucky address even though I had updated my address to my XXXX Florida address but that was OK, that was over 1 week ago. Then I received a letter from Marcus dated XX/XX/XXXX stating the disputed account was closed and to call with questions. I called today, XX/XX/XXXX and after waiting online for over 30 minutes, was finally told that the funds were sent to unclaimed funds and they would check with that area and send out a check now. I asked why this was the case when I was told over a week ago that the funds were being mailed to my XXXX address and the girl just said she didn't know, there wasn't anyone I could talk to and I could wait a couple of days and call back again to see what happened. This is ridiculous and so unfair that I have been waiting for weeks to get my funds and every time I call, I get the run around and wait for at least 30 minutes while the person I speak to who doesn't know anything about my account has to call someone else that tells them to tell me nothing.
Consumer complaint received 2020-11-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (CT)

I have contacted Comenity Bank as well as XXXX XXXX XXXX in regards to a collections account that resulted from a fraudulent account with XXXX XXXX XXXX. This account is as a result of identity theft. I have stated this information to both creditors and they have disregarded my claim. They continue to send me statements of the account but have failed to validate the debt as belonging to me. I have requested an application bearing my signature and a copy of my identification proving that I was the party that opened the account. So far they have not provided me with this proof. 

Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. THis is damaging my credit rating and causing me a lot of stress.
Consumer complaint received 2020-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a Identity theft victim. This is the worst thing that has happened to me. I've had perfect credit for years. There are two accounts that were opened fraudulently on my credit profile. I request that they be removed immediately! I have uploaded my Identity theft report, the description of the items and my other supporting documents!
Consumer complaint received 2023-01-31
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. (SC)

As a loan servicer Advantage has not provided the required disclosure that give me the option to opt out of having any information reported about me. If you are using XXXX XXXX XXXX  as your backing then you are 15 USC 1692f false and misleading practices to collect a debt. A consumer report does not include transaction or experiences between the consumer and the person making the report that's a violation of 15 USC 1681b. The Federal Government is backed by the Credit of the people does not say corporations or banks in fact 12 1431 States that banks have the power to borrow. So I need for Advantage to show proof that there was actually a " loan '' because I know for fact that there are no such thing as a " loan '' for a consumer. Failure to do so will result in actual damages and fraudulent practices.
Consumer complaint received 2023-02-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (TX)

On XXXX my wife & I went to the local PNC bank branch to close a home equity line of credit. While reviewing the terms of the loan, the stated rate on the disclosures was different than what was disclosed over the phone, but the promotional rate ( half of the current variable rate of was correct ). It was determined that our loan officer misquoted our variable rate by about 1/2 percent ( per recorded phone call ). We left the office for the bank to verify this and retuned 1 couple hours later. We signed the loan documents and left the office. We drew {$4000.00} off of the line of credit and noticed the promotional rate was not awarded. I contacted the bank on or around XXXX and after multiple calls was told that I was not offered the promotion rate and no disclosure for promotion was in our file. I called to complain & was told no recorded phone calls were found and there was nothing they could do about it. I then posted something to social media on XXXX and was contacted immediately by PNC bank. After many back and forth emails, PNC admitted they had a recorded phone call stating the promotional rate was offered to me on XXXX. Their solution was to back date the promotion agreement to XXXX and start the promotional rate from that date. Our line of credit is for {$300000.00} and we were not able to pull the much-needed funds off of the line for over 2 months because of this. This seems unethical & unlawful. Also... All of my phone calls with them were recorded.
Consumer complaint received 2023-02-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY (CA)

I am making a dispute against TD BANK USA/TARGET CREDI in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible