davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (LA)

I have numerous requested over and over same product to be either placed in deferment or fir with deferment as I am currently awaiting my ssdi and unemployment due to XXXX  disabilitys. As I am very ill rn I have documents of this if needed Im on stronger meds and more rehab structured life after my bills Im barely paying for gas to go to my Apptd and foods and other meds due to stolen mail at usps also
Consumer complaint received 2023-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

I opened a checking account with Wells Fargo. On XX/XX/XXXX I deposited {$500.00} into that account via online transfer. The {$500.00} originated from my other checking account with XXXX XXXX XXXX XXXX. The XXXX transfer was initiated by Wells Fargo and was a non-pending, finalized transaction. On XX/XX/XXXX I closed that Wells Fargo account. ( I realized I was not eligible for the new checking customer bonus and thus closed it ). When I closed it over the phone with Wells Fargo I was told any money on its way into my account will bounce back to the original bank ( XXXX ). I continued to call in to Wells Fargo every other day for about 2 weeks because the money never returned to XXXX. I did not make headway over the phone. In the meantime I had XXXX XXXX conduct a research claim which confirmed the transactions history - that it was initiated by WF, was not returned, and was finalized. On XX/XX/XXXX, almost a month later, I met in person with XXXX XXXX of Wells Fargo ( XXXX, PA branch ) bringing the research from XXXX with me. In that meeting she was able to confirm the money was within WF but did not know where and paired me with an executive ( XXXX. Last name unknown ). I was unable to get a hold of XXXX repeatedly for over a week and my claim went nowhere. At this time I decided to file with the XXXX XXXX XXXX ( complaint # XXXX ) and have XXXX initiate a legal claim ( currently being processed ). I received in the mail a notice XXXX closed my case without any explanation. I was then paired with a new WF executive XXXX XXXX who called to tell me there is no way Wells Fargo has my money. She said this without having seen any of the data collected by the XXXX branch. I emailed that data to her during our call. She stated she would look it over and ended our call. I have not heard from her or had any subsequent emails requesting follow up replied to. 

I am a XXXX XXXX XXXX XXXX. I am a XXXX XXXX household supporting my husband through his final year of medical school as he studies to become a XXXX We are exhausted and overworked and underpaid. I have spent more time on this issue than I have my own personal life over the last 2 months. I urge someone to find the solution so I can have my finances returned to me. Every one of those {$500.00} required significant fortitude and work to make. I can not continue to meet radio silence and road blocks with each plea.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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 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 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 2023-12-04
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: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-12-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My wife bought a new XXXX XXXX in XX/XX/XXXX, she does n't work so they needed to run my credit, I was very adamant about only running it 1 time, VERY ADAMANT! Because I own several businesses and need excellent credit for growing them. After not receiving any registration or payment information on the vehicle we started calling XXXX  XXXX in XXXX XXXX NC, and Capital One Auto to find out where our info was so we can make our payments, Capital One said that XXXX XXXX messed up the paperwork and needs to resubmit it, by that time it had been more than a month and Capital One pulls my credit once again without my permission, I have contacted both XXXX XXXX and Capital One numerous times and no one seems to want to do anything, all said and done my credit was pulled 3 times for 1 loan.
Consumer complaint received 2023-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXX XXXX  # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-04
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: EQUIFAX, INC. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-12-04
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: EQUIFAX, INC. (FL)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$57000.00}
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I am unable to place to remove a security freeze via the Equifax website and also via their phone system. It gives me the error message that " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' This is impacting my ability to get a loan to purchase a home. Searching online reveals that this appears to be a common problem that people encounter only with Equifax.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

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 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 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 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit on Friday XX/XX/, and noticed there were a few credit cards from XXXX XXXXXXXX with a {$3000.00}, a XXXX card with a balance of {$5000.00}, a loan from XXXX XXXX XXXX with the amount of XXXX, XXXX XXXX, XXXX XXXX XXXX with a balance of XXXX and a XXXX card with a balance of XXXX. The credit bureaus told me to get a police report, i submitted it before but nothing was removed or investigated.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my serious concern about the ongoing issue of fraudulent items on my credit report. Despite multiple attempts, I have been unsuccessful in having these fraudulent entries removed. 

I have diligently followed the proper procedures for disputing fraudulent items and have submitted the required documentation to substantiate my claims. However, the fraudulent items persist on my credit report, negatively impacting my creditworthiness and causing significant distress. 

I understand the importance of maintaining accurate and reliable credit information, and I am relying on your expertise to rectify this matter promptly. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I kindly request that you conduct a thorough investigation into the fraudulent items on my credit report and take immediate action to remove them. I have attached supporting documentation to assist in your investigation. 

I expect a written response within 30 days, as stipulated by the FCRA, outlining the results of your investigation and the actions taken to rectify the inaccuracies. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. I am asking for your assistance to remove these fraudulent items in my credit file 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 2023-12-04
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (KY)

My information was bought and sold illegally because i am a victim of equifax data breach. I want these items deleted off of my credit report immediately. I am attaching proof that equifax admitted I was a victim of the data breach and equifax hasn't done anything about it. please help me get these illegal accounts off of my credit report. {$2100.00} XXXX XXXX XXXX. 
XX/XX/2023 {$600.00} XXXX XXXX XXXX.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSWORLD SYSTEMS INC (TX)

A loan unknown to me, because I never pulled a private loan was sent to collections and marketed my credit score. XXXX XXXX XXXX is claiming a {$15000.00} in collections from a loan I pulled 2years ago. I have been out of school for over 10 years, paying all and any of my loans through XXXX. I feel as if this is fraudulent and needs investigated. Please help. 
XXXX
Consumer complaint received 2023-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my extreme frustration and anger regarding the sudden appearance of fraudulent collection accounts and unauthorized inquiries on my credit report. The inclusion of these inaccurate and damaging entries is not only unfounded but also severely tarnishing my financial standing and destroying my creditworthiness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX!!!! 
It is utterly distressing to discover such derogatory information on my credit report, especially when my financial history has previously been impeccable. The sudden and unexplained appearance of these fraudulent collection accounts and unauthorized inquiries is not only shocking but also completely unacceptable. 
I demand an immediate and thorough investigation into these matters, and I expect prompt action to rectify these inaccuracies on my credit report. The presence of fraudulent information is not only damaging my creditworthiness but also causing undue distress and frustration. 
I find it incredulous that such damaging entries could be added to my credit report without proper verification and validation. It is your responsibility, as a credit reporting agency, to ensure the accuracy and integrity of the information you report. Your failure to do so is a direct violation of the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-11-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NY)

XXXX is the employee ID number for CITIBANK - XXXX was the employee, however I have received numerous calls from them. That is harassment. If you think I owe any debt to your company send proof in writing only VIA MAIL. 
According to 15 USC 1692 may not harass or annoy. 
I revoke all calls, texts, emails. 
Please provide me XXXX form that I have continuously asked for, or I will take legal action. 
I demand all of these requirements.
Consumer complaint received 2017-12-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (OH)

The man calling me refused to verify himself! Ive asked several times. I have also attempted to dispute this account on several occasions! Its now been at least 9 years! Im by no means responsible for this debt and would appreciate some assistance because its out of hand with this this current company!
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not give anyone authorization or consent to use my personal information. 

I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 



Failure to comply shall lead to complaints being filed with XXXX with the Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft whos credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA )
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is incorrect name spelling and other names listed. There is incorrect identification number with these names. There are incorrect addresses continuing to report. I have put multiple security freezes on my identity theft during Covid-19 and showing that accounts have been compromised by this. I have filed disputes and nothing has been resolved.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. Convergent Account Names 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 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  has violated my rights. 15 U.S.C 1681 section 602 A. States Ihave 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..