davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
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. (CA)

I have reached out to Experian, XXXX, and XXXX  Credit bureaus a number of times to have personal information that does not belong to me removed from my report and they refuse. The following addresses, phone numbers, employer, and ssn 's that appear on these reports do not belong to me and/or are reporting inaccurately. I have lived at my current address since 2011 and keep being told that other companies have reported this information as valid, which I think is absurd being that they are allowing others to report what they feel is valid and NOT me. Due to poor lack of investigation and communication Im requesting that all of the inaccurate data be removed. ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SOCIAL SECURITY NUMBER VARIATIONS THAT DO NOT BELONG TO ME : XXXX XXXX NAME VARIATIONS THAT ARE REPORTING INCORRECTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX IN ACCURATE EMPLOYER INFORMATION XXXX XXXX XXXX Thank you
Consumer complaint received 2024-11-03
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. (FL)

these hard inquiries are fraudulent and doesnt belong to me and need removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-02
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. (NY)

Under the Fair Credit Reporting Act, I am disputing the following accounts on my credit report because they appear without my written authorization : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Basis for Dispute 15 U.S.C. 1681 Section 602A : Ensures my right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : States that my information can not be included without my written consent.
Consumer complaint received 2017-06-21
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: AMERICAN EXPRESS COMPANY (CA)

One day earlyXX/XX/XXXX, I received from Amex a package containing a new credit card that I have never requested. I immediately contacted Amex at the number printed on the card and complained. I also brought up a very specific request that Amex should investigate when and who applied for the card impersonating me knowing my SSN.
Amex call center representative agreed. But in the letter dated XXXX XXXX from Amex and XXXX, they only apologized for any inconvenience short of mentioning anything about possible ID theft investigation. As I complained over the phone again about their insincerity, I decided to escalate it to the government. The number of the card : XXXX XXXX XXXX Expiry : XXXX Card Holder 's Name XXXX XXXX XXXX ( my original name prior to the naturalization inXX/XX/XXXX ) The package was mailed to my previous address at XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX ( c ) ( XXXX ) XXXX email : XXXX
Consumer complaint received 2017-06-21
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Dealer services contacted my apartment complex manager in o rder to collect a 30 day late payment after I made a partial payment towards the debt. They claimed they " we can call whomever we see fit, in order to collect a debt no matter how late. '' This is unacceptable.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2024 Request for deletion of outdated Personal Information To Whom It May Concern, I am writing to request the removal of outdated personal information from my credit report. I have noticed that some of the names, addresses, employment, spouse and phone numbers listed on my report are no longer accurate, as I have updated my contact details. 

Please delete the following outdated information from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only number that should be listed is XXXX. Please delete all others. 

XXXX. I am not a XXXX XXXX. Please delete. I never had a company nor worked for XXXXXXXX XXXX XXXX 
I currently work for XXXX XXXX XXXX XXXX XXXX as a XXXX XXXX 
Address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX. I never have been in connection with a person named XXXX. I do not have a spouse named XXXX. Please delete. 

XXXX. My correct name is XXXX XXXX XXXX. Please delete all others. 

Please update my information. Thank you.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im a victim of identity thief so theres different name and address on my credit report and some of my credit cards are not reporting on my credit report, My XXXX XXXX, My XXXX XXXX and my XXXX all in Great standard but theyre not on my credit report
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, 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.

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 2017-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (GA)

On, XX/XX/XXXX, I entered into a retail installment sale contract with XXXX XXXX XXXX XXXX XXXX to finance the purchase of a XX/XX/XXXX XXXX XXXX. As part of the transaction, I purchased Guaranteed Automobile Protection ( GAP ) for {$500.00}. I experienced a total loss on XX/XX/XXXX and notified my casualty insurance company. Per Chrysler Capital, a GAP claim was submitted to the GAP Administrator, XXXX XXXX XXXX XXXX As of today, XXXX XXXX XXXX XXXX has not honored the claim. This has caused me to pay additional interest because my balance has not been reduced by the GAP proceeds and I may also have experienced negative credit reporting. The following is the contact information for XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX XXXX The dealership that sold the GAP may be contacted as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, Georgia XXXX XXXX All required information has been provided to XXXX XXXX XXXX XXXX and I paid the premium through XXXX XXXX XXXX XXXX XXXX. I respectfully request for you to assist me in having my claim processed. Enclosed please find my complaint to the CFPB, Chrysler Capitals response to me and the claim documents provided to XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CA)

I opened a Santander bank account which was opened around the  XXXX  of  XXXX ,  2017. This ac count had a bonus offer terms of {$220.00} attached to it for having a direct deposit of {$500.00} or more within 90 days. The bonus requirements were met properly according to the terms I will attach to this notice. The bank erroneously closed my account before posting the bonus and claimed I had never sent the signature card for the account back to them. However, the signature card was sent to the bank using the prepaid envelope they enclosed with the account welcoming package. The bank made no attempts to contact me via any method in order to resolve this issue. It seems apparent that the bank decided to close this account to avoid paying the bonus offer out because their terms and conditions were recently updated to list several states, which does not include the state I live in. However, those terms were not included in the original account opening that I performed.
Consumer complaint received 2017-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Patenaude & Felix A Professional Corporation (CA)

I filed a police report a few years ago when tax returns were submitted in my name by someone other than my mother. Mother requested I get a copy of my credit report as well and we discovered several unknown accounts had been established in my name.     That said, a  XXXX    XXXX    XXXX  account was placed on my credit was later removed. Now I am receiving harassing phone calls from a collection company in regards to the  XXXX    XXXX   account. The company  Law Offices of Patenaude & Felix, A.P.C . have also accessed my personal credit report and just recently sent me a collection notice requesting that I pay them {$1700.00} when a notice in the past said the account was for {$1000.00} bucks.
Consumer complaint received 2017-04-19
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I got a call on   XXXX   from a representative of  XXXX   XXXX ,  XXXX  saying that I was being taken to court and that they are sending court documents to the  XXXX   XXXX   XXXX  House to prepare to be sued. I do know that I did get a payday loan back in  XXXX  but had forgot about due to me losing my job and apartment. There was a mention of having copies of my  XXXX  's. I did not give any permission to that business for my financial records considering that I am a  XXXX  of United States military.The phone call came from  XXXX . I recorded the entire conversation and the mention of obtaining my  XXXX  's is in the conversation.
Consumer complaint received 2017-04-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On   XXXX   XXXX   XXXX   I ,  XXXX   XXXX , purchased the property known as  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  from my uncle,  XXXX   XXXX  in which a mortgage granted to Ba nk of America  was satisfied but the satisfaction recorded in  the county cl erk 's office was incorrect.    XXXX   XXXX  granted a mortgage to Bank  of America on   XXXX   XXXX   XXXX   in the  amount of {$160000.00}. This mortgage was consolidated with another mortgage granted to Bank  of America on   XXXX   XXXX   XXXX   in the amount of {$6100.00}. On   XXXX   XXXX   XXXX   the cons olidated mortgage was paid off but Bank   of America filed a satisfaction for the {$6100.00} mortgage only.
On   XXXX   XXXX   XXXX   a request for a lien release was faxed to Bank of America togeth  er with the title report,  Request  ID # :  XXXX . Bank  of America was inf ormed that I am selling the house on    XXXX   XXXX   XXXX   and title needed to be clear a least a week before the closing. Bank of America has stated that the lien release department has picked up the request on   XXXX   XXXX   XXXX   and are   working on it. Since a new ID number from the lien release department has not been generated, the request is NOT being worked on. It is imperial that I close on    XXXX   XXXX   XXXX   and I do not have the luxury of waiting for Bank of America to file a satisfaction that was to have  been done correctly in  XXXX .
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

I have disputed the late payments on this XXXX XXXX account for months. Equifax and XXXX  have reversed them but XXXX is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2017-04-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (SC)

On  XXXX / XXXX /  XXXX   I obtained my credit report from  XXXX   XXXX   XXXX  in attempt to qualify for a mortgage. I noticed that on my accoun t National Credit Systems is   reporting  XXXX  collection account.   One   for {$4000.00} and another for {$500.00}. On  XXXX   XXXX  I disputed these account with the credit bureaus and the account was removed. The accounts are now back on my credit and affecting my ability to obtain a mortgage. I have advised this company numerous of times that this is not my debt. They have failed to respond.
Consumer complaint received 2017-04-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AL)

On  XXXX / XXXX /  XXXX   I deposited {$400.00} in cash a t Wells Fargo   XXXX   XXXX . On  XXXX  my online statement showed the {$400.00} deposit with a reversal. I made a copy of the statement. The person (  XXXX   XXXX   )  said she sees no deposit, but will research it. Next day on Thursday I see  XXXX  deleted the deposit off my statement. I see the branch  manager and she  says we will research it. Now the bank just says they see no deposit. Well, as I said  XXXX  deleted the deposit off my computer records. The bank refuses to put the money back in my account. I got a police report. The bank does not give receipts unless you ask for  one, but look I have the deposit on my copy of the statement. The bank refuses to tell who took the deposit, who re versed the deposit, who deleted the deposit. If that is not a sign of guilt, what is?
Consumer complaint received 2018-10-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OH)

I spoke with XXXX from Equifax agent code XXXX, XXXX from Equifax agent code XXXX, XXXX from Equifax agent code XXXX apparently a dispute was done and I asked multiple times for them to send over their method of verification. XXXX explained to me that all disputes are ran through a automated system and they have no documents proving these accounts belong to me or was I late. XXXX from Equifax explained to me that they were not able to send the documents although the FCRA Section 611 requires credit bureaus to adhere by laws and provide any information obtained during the verification process.
Consumer complaint received 2017-04-18
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (MN)

On  XXXX   XXXX  I tried to log into my  American Express  account online but was unable to do so. I then called them to help me to unlock my account which took  3  or 4 times of them trying to unlock the account. I did just end up calling the phone service line and getting my balance from the card. That is when I realized that something was wrong, because a large amount of money was missing so I then called them back again. When I told the company that the money was missing a representative said we could file a claim so she then transferred me to another representative who then asked me many questions and said that he would have an investigator look into it. He told me that I was going to get all the {$5000.00} back because I was covered by the fraud prevention program. He then said to expect a call from their investigator with some more questions. I did not receive a call from the investigator or anyone else from AE for that matter so I called them on Saturday the  XXXX . The representative on the phone said that I should give them a call back on Tuesday the  XXXX  to see where the investigation is at. When I tried to get into my AE app on my phone Monday the  XXXX  ( just to see if by chance they put the money back in there  )  my account would n't open. When I called them today they told me that the investigation was closed and that they closed my card account because I somehow defaulted on the agreement. I then asked to speak to the supervisor so I could get more answers. I waited on hold for ten minutes when the supervisor finally came on he said that they had closed the fraud claim case because they said it was my fault. They thought I approved them even though I told them the first day that I noticed something wrong that I had no idea who any of those people were. My account is now locked I am unable to get in and print any of the transaction logs that could possibly help me get my money back and charge whoever those people were that took my money.
Consumer complaint received 2017-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (PA)

I purchased a home in   XXXX   XXXX  . My school taxes for  XXXX  were not paid at closing but put into escrow to be paid in   XXXX   XXXX   by my mortgage company  franklin american mortgage company . However. eventhough the mortgage company had the money to pay the school taxes for  XXXX  they did not until they were reported late in   XXXX   XXXX  .  XXXX  county tax collector started sending letters to my home about unpaid  XXXX  school taxes. after numerous hours and calls to different reps at my mortgage co they assured me the taxes were paid in   XXXX    However, instead of my mortgage company sending them to  the county  they sent them to the local tax collector for my school district.  XXXX  confirmed she received the check from the mortgage company but is unable to accept back taxes and that she returned the check about  XXXX  to the mortgage company. The problem is now that i have a lein placed on my home by the county from the beginning of  XXXX  because they have never received the funds. i as the consumer have been helpless in this. no one at the mortgage company has helped nor frankly cared to expedite this knowing the urgency since my intial call in   XXXX   XXXX   XXXX  now i have a lein and derogartoty marks on my home which potentially effects my home owner standings, future loans, refis etc. This is unafir, unjust, and unwarranted. i need help legal help asap please! my voice has not been heard or validated by  franklin american  mrtg company and their incompetence has led to my terrible situation.