davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-31
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)

Spoke with a Equifax representative by phone to update inaccurate personal information and dispute unauthorized inquiries on a my credit report. I was told that the inaccurate information would be removed, to include name, addresses, telephone numbers and employment information. During the same telephone call, I inquired about what needed to be done to remove unauthorized inquiries as a FRAUD ALERT should have been on my files AND I never received a call from anyone inquiring about an offer to extend credit.. While there was no clear answer to the question, the rep took all the information in regards to the accounts that were unauthorized so I was under the impression that ALL of the requested information was being updated during the call. I was told that I could call back after 24 hours with the provided confirmation number and check the status. I called back after 48 hours and kept receiving an error message.
Several days later I received mail that appeared to be the result of EQ verifying that all of the requested information was valid. I later even received an alert notifying me that the incorrect employer that I requested to be removed WAS added to another credit reporting agencies report.
How was EQ able to verify that the information was valid in 2-3 days? If there was ( like I was told there was ) a fraud alert on my account, how were the inquiries able to be made? I feel like this inaccurate information is affecting my ability to obtain free credit reports as well as obtaining credit in general. I am requesting this to be rectified immediately as I would like to be a creditworthy individual.
Consumer complaint received 2023-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My bank account has not been allowing transfers for days and now my account is suspended for no reason. I can't pay my rent because these crooks are holding my money. 

I've now been on the phone for over two hours and have spoken with 4 people. One of them tried to gaslight me into saying my account wasn't suspended when it clearly said so on my account. 

This bank is clearly not fit to be handling anyone 's money.
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (OH)

Hello, three months ago I was in the process of obtaining a mortgage and signed up with Experian to obtain my detailed credit report from all three credit reporting agencies. At the time of signing up for this product, I was very careful to make sure I was not going to be billed monthly, I just needed the details from my credit reports at that particular time. I just realized that Experian has been charging me {$24.00} for the past three months, most recently on X/XX/17, X/XX/17 before that, and X/XX/17 before that. I called Experian and they told me that I signed up for a monthly service, and I told them that I did not, and had read very carefully what I wassigning up for. They would not refund me for the past two months of fees, even though i was willing to  pay the original {$4.00} fee as well as the {$24.00} fee. In fact, Experian hung up the phone on me after speaking with a representative for 20-30 minutes, and waiting on hold for 10-15 minutes. They  can clearly see that I did n't even sign into my account and they know that they are scamming customers. I work for XXXX XXXX and I am accustomed to reading the fine print. The way Experian baits-and-switches their customers is fraudulent. I read everything online before purchasing the three credit reports and they were clearly hiding the fact that they were going to charge me monthly. I can not believe these credit reporting agencies get away with this scam. This happened to me once before over 5 years ago with XXXX, and I have been very cautious to never let this happen again. I was aware of the risk and was specifically looking for this when signing up for my credit reports, but Experian hid this very well and did not want to make it abundantly clear that they would be charging my card every month. My " Membership ID '' with Experian is apparently XXXX. Thank you for your help, XXXX.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Bankruptcy — 
Company: WELLS FARGO & COMPANY (NV)

I filed Chapter XXXX bankruptcy in XXXX 2010. My credits were notified electronicaly on XXXX XXXX 2010. Wells Fargo entered a illegal lien on my property on XXXX XXXX 2010, through XXXX XXXX XXXX. This account was discharged in XXXX 2010, but the lien remains against my property.
Consumer complaint received 2017-08-03
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. (MI)

I recently received a copy of my trans union credit report and there was a number of inquiries that I did not recognize or authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX XX/XX/17
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I Recently noticed I was a victim of identity theft because of the various data breaches. I sent in the proper documentation but the credit bureaus ignored my documents and failed to remove all of the inaccurate, fraudulent and unauthorized accounts. therefore, I sent in a letter to each bureau asking for the steps the took to verify the info but I never heard back from them and they continue to furnish inaccurate items on my report when I know they are supposed to only report 100 % accurate items. its been more than 30 days since I sent my documents! this is ruining my reputation and I need these accounts remove expeditiously
Consumer complaint received 2015-08-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My husband and I opened a Home Equity Line of Credit in 2005 with Wells Fargo Bank. This is the bank we have our mortgage, checking accounts ( personal & business ) and saving accounts. Upon opening this account, we knew it was a variable interest account, we stated we wanted the payments to be withdrawn from the business account, and signed a form asking Wells Fargo to take out up to $ XXXX/month applying the appropriate amount to the interest & the balance to the principal. Advancing 10 years, we NEVER thought we would use the entire amount, however, we needed the money to keep our small manufacturing business open. XX/XX/XXXX, we started getting letters from Wells Fargo about the Equity Line of Credit " Pay Back ''. Quite frankly, since we felt we had been paying it back ( a little at a time ) we ignored the letters a bit. We were very shocked to find for the passed 10 years we have paying INTEREST ONLY on this XXXX loan. Wells Fargo denies ever seeing the form, and says we agreed to the interest to the interest only terms. We trusted our bank when we made the initial agreement that they would honor the initial terms, and would n't change them. We would never agree to an Interest Only Loan, even though times were tough. To make matters worse, we are in the same situation as every other home owner in California. In 2005 Wells Fargo stated our home was worth {$800000.00} ( however we did not have an appraisal ), and later we were called and asked if we wanted to take more out on our home equity line? Fortunately, we did not! Ten years later, my husband and I are in XXXX. old, and owe {$400000.00} on our home that we have lived in for 25 years!! We feel as if Wells Fargo pulled a fast one on us while we were struggling to keep our small business going, pay for our XXXX daughter and her medical bills, plus help our son with college debt. This is just a nightmare. I do n't know where to turn, and do n't know if it is that we were just too overwrought with stress to not read the contract correctly, or if Wells Fargo is somewhat responsible. We have tried to work with them for the passed 6 months, however it got to the point that not paying the extra $ XXXX/month they were requiring was going to ruin our credit. I just feel they should forgive some of the debt since they have enjoyed 10 years of interest only payments with no money going toward paying down the interest. If they had honored the original agreement we would owe about {$80000.00} less. Is there anything we can do about this situation?
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX AZ XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX AZ XXXX ) XXXX Balance : {$5500.00} ( Original Creditor : ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXXXXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX GEORGIA XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX AZ XXXX ) XXXX Balance : {$5500.00}
Consumer complaint received 2017-07-31
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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NV)

XX/XX/XXXX amount XXXX, I was made a dispute at XX/XX/XXXX, cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account numberXXXX, GE Capital Retail Bank.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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
Consumer complaint received 2023-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX accordance with the Fair Credit Reporting act XXXX Accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2024-08-27
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)

Hi I found fraudulent account on my credit report please delete this account Account name XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX $ XXXX date XX/XX/year>
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

For the THIRD time in FOUR years Bank of America has attempted to force my property into foreclosure. They accepted payment for the loan and sent a confirmation that payment had been received and that the account was current. On XXXX XXXX, I received a notice that they were accelerating the account to foreclosure because they had not received two payments. THIS ACCOUNT IS CURRENT. IT HAS BEEN CURRENT EACH TIME THEY HAVE ATTEMPTED THIS. After 2 1/2 months, they are no CLAIMING that the bank refused to pay the check because the account was closed. IT IS NOT CLOSED AND THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS WERE MADE FROM THE SAME ACCOUNT. They are CLAIMING they sent me a letter to this effect. THIS IS A LIE ; I RECEIVED NO SUCH LETTER. They are claiming that they attempted to call me. AGAIN, THIS IS A LIE. NO ONE HAS EVER ATTEMPTED TO CALL ME.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my several requests to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. The following accounts are listed below : XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXXXXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}, XXXXXXXX XXXX  XXXX Balance : {$1400.00}
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, MI XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$870.00} ; XXXX XXXXXXXX Balance : {$2100.00} ; XXXX XXXX Bankruptcy : XXXX Date Filed/Reported : 09/02/2016Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXXBalance : {$430.00} ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXXBalance : {$910.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXXBalance : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00}.