davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$68.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I noticed my card was misplaced so I went online to check my account and noticed that XXXX dollars was missing out my savings account. I filed a claim with the bank stating that I didnt authorize anyone to take the money out my savings account but they refuse to look into the matter further.
Consumer complaint received 2019-03-09
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: Experian Information Solutions Inc. (MO)

After a careful review of my credit report I noticed a few inquiries on my report inwhich did not derive from my doing nor did I authorize anyone else to exploit my name, credit or any other personal information that would lead to an inquiry on my credit report. This could be an mistake on the credit bureaus part and/ or in conjunction with the theft of my identity awhile back. Hopefully the credit bureaus will remove the following inquiries from my file immediately and promptly. The inquires are 1 ] XXXX XXXX XXXX 2 ] XXXX XXXX   XXXX 3 ] XXXX XXXX 4 ] XXXX  XXXX 5 ] XXXX XXXX XXXX 6 ] XXXX XXXX XXXX XXXX 7 ]  XXXX  XXXX XXXX 8 ] XXXX XXXX XXXX 9 ] XXXX  XXXX XXXX
Consumer complaint received 2023-03-16
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : ) XXXX Balance : {$68.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} ( Original Creditor : ) XXXX Balance : {$1600.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-16
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. (IL)

I recently obtained my credit report from each of the four major credit reporting agencies ; XXXX XXXX transunion, XXXX  and XXXX. Ive discovered a bankruptcy was listed under my name. I had no idea my information was given to the credit bureaus without getting permission nor any acknowledgment. I contacted all four credit bureaus, sent out dispute notices and they was unable to rectify the situation. According to the 15 U.S.C 1681 a.1.a law there should not be any damages to my report and its a defamation of character.
Consumer complaint received 2023-03-16
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: CNG FINANCIAL CORPORATION (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
CHECKNGO/XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2023-03-16
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. (MD)

I appreciate you taking the time to CORRECT the information in my credit file ; however, there is still account that needs to be UPDATED. The 3 credit Bureaus require to validate the listed account. I hope this disputed account is updated. 
XXXX XXXX Balance : {$22000.00}
Consumer complaint received 2019-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

After a careful review of my credit report I noticed a few inquiries on my report inwhich did not derive from my doing nor did I authorize anyone else to exploit my name, credit or any other personal information that would lead to an inquiry on my credit report. This could be an mistake on the credit bureaus part and/ or in conjunction with the theft of my identity awhile back. Hopefully the credit bureaus will remove the following inquiries from my file immediately and promptly. The inquires are 1 ] XXXX XXXX XX/XX/XXXX2 ] XXXX XXXX   XX/XX/XXXX 3 ] XXXX  XX/XX/XXXX 4 ] XXXX XX/XX/XXXX 5 ] XXXX XXXX XX/XX/XXXX 6 ] XXXX XXXX XXXX XX/XX/XXXX 7 ] XXXX  XXXX XX/XX/XXXX 8 ] XXXX XXXX XXXX 9 ] XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-16
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-16
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. (TN)

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-16
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : NISSAN-INFINITI XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2019-05-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Recovery Services, LLC (TN)

I XXXX XXXX PAID MY RENT EVERY MONTH ON TIME AND DO NOT SUPPOSE TO HAVE THIS ON MY CREDIT AT ALL. THE LADY THAT WORK THERE WAS NAME XXXX AND SHE WAS NOT A NICE PERSON AND PUT ALL OF THESE NEGATIVE LATE FEES ON MY ACCOUNT WITH XXXX XXXX XXXX. SO I NEED VALIDATION AND VERIFICATION AND YOU ALL NEED IN INVESTIGATE THIS CAUSE AINT NO WAY I OWE THIS MUCH WHEN I PAID ON TIME EVERY. MONTH. SO GET IN TOUCH WITH THE APARTMENT CAUSE THIS IS NOT FAIR OR I WILL TAKE FURTHUR ACTIONS IF THIS IS NOT RESOLVED
Consumer complaint received 2023-03-16
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-03-16
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-04-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (IL)

Due to Covid-19 I have lost my income ( hopefully temporarily ). I live in Illinois and my shop was forced to close due to the statewide shutdown on XX/XX/XXXX. I immediately applied for AES 's " disaster forbearance '', and was given confirmation of receipt of my message on XX/XX/XXXX. Since then, I have received only " past due '' notices. I have applied again and again through their system, each time only receiving confirmation of receipt, and then more past due notices and instructions on how to apply for the forbearance, for which I've applied multiple times. When I try to follow up on that I get nothing. They also note that they are reporting my delinquency to credit agencies every month.
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2023 I was subject to fraud when I received a text message that was very similar to previous fraud alert texts from Wells Fargo, stating that someone was trying to XXXX {$3500.00} from my account and asking if it was me. I called the phone number provided and the scammer said everything the same way a Wells Fargo customer service representative would have ( I would know as my debit card was compromised and needed to be cancelled and I was sent a new one a few weeks prior to this ). 
The scammer was able to obtain my information well enough to process a XXXX transaction of {$3500.00} to be withdrawn from my personal checking account. It was not until the call dropped and I tried to call back without success that I realized I had been scammed. 
I then immediately called Wells Fargo and presented to the nearest branch to discuss the issue. The XXXX withdraw was already processed and the {$3500.00} was removed from my account. I was given a investigation claim number, and was told my account needed to be closed and that I would need to reopen a new one, which I did. I was then told it would take 7-10 business days for me to hear a decision from their investigation. 
I received a letter in the mail dated from XX/XX/2023. This letter was sent no more than 2 business days after my claim was filed ( XX/XX/XXXX was a bank holiday ). The letter stated that the investigation was complete, " the transaction was made through a secure online banking session by you or someone who had your authority and no other processing errors occurred. Based on this information, we determined the transaction was authorized. We have closed your claim ''. 
This transaction was NOT authorized, and the company did not even have the decency to open up the conversation further or offer a way to appeal their decision. I know other companies such as XXXX will assess the IP address the " secure online banking session '' occurred from in order to investigate whether it is even anywhere near me, I doubt they did this. 
I have been a customer of Wells Fargo and XXXX for many years. I am now in further debt thanks to their unwillingness to help. I am a small business owner and can not afford events like this. There is a statement made by the CFPB that states if a consumer is fraudulently induced by a third party into sharing account access information that the consumer should receive the same protections as if the money were acquired from a stolen debit card or other banking access device, but apparently Wells Fargo and XXXX do not see it this way.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Accounts : XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$0.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The accounts and inquiries on my Equifax Credit Report are incorrect, and fraudulent. All accounts and inquiries mentioned on my credit report are outdated as well. These derogatory accounts and inquiries are not only incorrect and fraudulent but they are affecting my ability to extend credit and to build credit. They are also in violation of my rights as a consumer.
Consumer complaint received 2023-03-16
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. (TN)

In accordance with The Fair Credit Reporting Act, the following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 for convictions of crimes which antedate the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) states 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 may be inaccurate.
Consumer complaint received 2023-03-16
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: AmeriHome Mortgage Company, LLC (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2024-10-31
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. (CA)

I have known that i was a victim of identity theft for a while now, however i have been unsucessfull in. getting this account removed. Finally i have to resort to filing a police report. The account is XXXX XXXX. Please block this account from mycredit as required by law.
Consumer complaint received 2023-03-16
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

In compliance with the Fair Credit Reporting Act section 605b, I have been filing this CFPB complaint to the credit bureaus to ask them to ask the credit reporting agencies to remove the false accounts and information from my credit file. The Credit Bureaus are expected and compelled to delete any accounts and information that resulted from my identity being stolen and utilized to open these goods under the FCRA section 605b. I once again request that the following items be deleted as soon as feasible by the Credit Bureaus : 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 XXXXXX/XX/XXXX. Since the reporting of the fake accounts and information off my credit file, I have been disputing my credit report for a considerable amount of time. Please be aware that if any information in my credit file was obtained through identity theft, you have four business days to stop reporting it. E-OSCAR or any other form of automated verification is not acceptable to me.
Consumer complaint received 2019-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has refused to update my paid credit account with XXXX XXXX XXXX. Account # ending XXXX, account # XXXX. 

I have forwarded Transunion a copy of the settlement letter from XXXX XXXX XXXX and a copy of my paid receipt. 

Their failure has lowered by credit score and they are violating my rights under the fair credit reporting act.