davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

1 ) On XX/XX/XXXX, I filed a dispute with XXXX when I noticed that someone had opened up an account with XXXX using my information, in XX/XX/XXXX, and that XXXX XXXX XXXX was the agency doing the collections. The bill is for {$1500.00}. This has ruined my credit! 

This fraudulent account that was opened with my information was not even possible to have been made by me, because at that time, I was in the process of moving out of state, already had a phone through another carrier, and certainly did not need another. I did not have a XXXX account, nor did I open up one in XX/XX/XXXX. I did not make any purchases with XXXX, nor was I making any payments prior to XX/XX/XXXX, as I did not have any XXXX products. 

2 ) My husband and I suffered identity theft when XXXX, the national company that parents XXXX XXXX XXXX XXXX of XXXX, was the victim of a massive cyber attack. We were notified by XXXX that we were also victims of the attack, and that their " XXXX ''  company was going to monitor our credit. This was supposed to be a 24-month protection. ( I found out later that they had been lax in their service, and that there was no credit monitoring for about a year. ) 3 ) I've had identity theft problems some years before that with : a ) someone who had opened up a phone account in the state of XXXX with another carrier.  This took months to clear up. 
b ) someone who bought a dining set in my name. I was able to have this cleared up thanks to my bank. The perpetrator, a woman, was caught and put in jail. 

4 ) I received a report back from XXXX saying that the company declares the information to be accurate. The details they state on the report actually prove it could not have been me. 

5 ) I have read that I have the right to ask that this information be blocked from my file, and will be taking action for it to be blocked. 

6 ) I suggest a new way of doing business, because with all the cyber attacks going on, American people are being victimized right and left, with no real means of protecting themselves.
Consumer complaint received 2018-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

My name is XXXX XXXX and I am a customer with Santander Bank since XX/XX/XXXX holding a small business account with Ac # XXXX. Name on the account XXXX XXXX, XXXX. 
I was introduced to Santander Bank by your small business marketing Mgr XXXX XXXX. 
My account was compromised by {$12000.00} on XX/XX/XXXX which I found out when I reached the bank to send a international wire transfer which is a normal activity that I have done from my business account. 
My daily morning routine has been to check my account balance online and to ensure if funds have been made available and also to check if my issued checks have been cleared. 
On XX/XX/XXXX morning when I checked my balance I had {$16000.00} and the funds were fully available. That afternoon when I went at the XXXX XXXX branch in XXXX to make a wire transfer of {$9300.00} to my vendor overseas who supplies me with merchandise, I was informed by the banker that I did not have enough funds in my account to proceed with this activity as a domestic wire of $ XXXX was sent this afternoon. 
I was shocked and concerned at the same time and requested the banker to call the wire department to stop the wire as I had no knowledge of this and I did not authorize or make a request online to transfer funds anywhere. I have NEVER sent a wire ONLINE ever with Santander and have always gone to the branch to send a wire. This bank is right opposite my office building in garment district and all the bankers in that branch know me and also know that I have always been there to do a wire. 
I was sitting at that branch for 4 hours worried with what had just happened. I was assured by the banker to not worry as they will investigate this and get back to me as soon as possible. 
Today I am writing to you to ask for your help in getting this matter resolved. I am a small business owner and can not afford to have funds missing from my account. 
This thought is frightening to me that a bank which is considered a safe institution can easily be hacked/fooled in removing funds from your clients account. 
How does something like this happen at a bank? There has to be some sort of verification that has to take place before releasing funds from someones account. 
It was implied that my PC was hacked and that is where all this began. I have a PC with built in firewall and security and I check my business account, my personal account, my kids account my credit cards all from there. There was no problem anywhere except with Santander. 
I am beyond frustrated at this point as I am only getting a run around from all of this. I requested the bank to give me credit for the missing funds so I am not forced out of business and that too never came through. 
Please look into this matter urgently. I am hopeful now that I am reaching out to you all to look into this for me and help get this resolved as soon as possible. 
Thank You XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2018-05-22
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. (MI)

I am in the process of securing a mortgage and my bank representative did not get my credit report from Experian. On XX/XX/XXXX-XX/XX/XXXX the bank representative and I called several times to Experian and found out that my first name was appeared incorrectly in their system. So, I asked Experian to change my first name. XXXX, the supervisor of the membership service of Experian told me that he can not change my name as it is officially appeared as XXXX and their system can not include a name just with two letters. My bank representative and I talked with at least five employees at Experian by pointing out that my official first name is XXXX and that is appeared in all of my federal documents ( including passport and driver 's license ), employment records, as well as other credit reports ( such as XXXX and XXXX ).  However, Experian did not change my name. It is unacceptable that I might not secure a mortgage due to the negligence of Experian. But the surprising thing is that the supervisor of Experian membership service did not listen to my concern at all ( I reached to him after an hour of phone waiting ), but rather claimed that I talked with him last week ( which I did not ), and hanged up the phone abruptly.
Consumer complaint received 2024-09-25
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: PENTAGON FEDERAL CREDIT UNION (TN)

I checked my email and realized there was an unauthorized inquiry from pentagon federal credit union on my reported dated XXXXXXXX I have a pen fed checking and savings account but I never requested any credit from them
Consumer complaint received 2023-05-27
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. (NJ)

There are 6 accounts showing open on my credit TransUnion credit report that should be reporting as closed with XXXX balance.
Consumer complaint received 2021-01-12
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. (CA)

Equifax continues to report incorrect information on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid off and the bank erroneously reported it as late. I have included a letter from them stating that the late should be removed. XXXX  and XXXX have removed it, but Equifax refuses to do so. This is a FCRA violation and is mandated to be removed from my report. I have previously contacted you through mail and yet there is no dispute history. Please verify this and remove or send me what you have done to investigate. Please update this line item accordingly. I have contacted XXXX, as well as the bureau to fix this however, I have not been successful.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MN)

I have tried to submit numerous disputes with XXXX XXXX company in regards to the misinformation on my credit report. There is several things reporting inaccurately. I can provide documentation, I have asked for this account to be DELETE immediately.
Consumer complaint received 2020-11-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I sent a dispute letter on XX/XX/2020 about the inaccurate and wrong things on my credit report. Its been over 40 days and I have not received any word back about my credit report. I think I'm being ignored and my dispute is being disregarded. 611 ( a ) States that if a credit reporting company has not completed an investigation in 30 days the information being disputed should be deleted. Its been over 40 days, so I demand that these accounts be deleted at once or I will file for litigation due to the hardship Ive had to experience. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-09-21
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: Foursight Holding LLC (GA)

I filled bankruptcy XXXX  XXXX in XXXX of XXXX. My car loan was included in my bankruptcy. Bankruptcy trustee handled all payments to creditors. Foursight capital LLC reported about XXXX late payments on my credit report while I was in bankruptcy. Dates are from XXXX also from XXXX. Dont understand how I could be charged late payment history when I have no control on when or what order bankruptcy paid them. I have had XXXX help with this situation but havent had any luck. Ive called to talk with them on several occasions but they give me a email address to write to but never get a response. This is hurting my credit and want this fixed.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (SC)

I made a dispute with XXXX and XXXX reference to this debt collector XXXX XXXX who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion is reporting inaccuracies on my credit report. They are reporting a bankruptcy that IS NOT MINES! I have sent TransUnion SEVERAL dispute request as well as filed phone disputes. I have been lied to on several occasions stating that an investigation to VALIDATE the bankruptcy has been done, but NO documentation has been provided to me where TransUnion has received validation Of debt and verified the said debt with the courts. Ive provided documentation from the bankruptcy court as well as XXXX who they utilize as a data furnisher proving that it is not mine it has since been removed from there records and they are refusing to remove it. I spoke with a supervisor today who informed me that they will not remove it even after providing the appropriate documentation from THEIR DATA FURNISHER investigation deleting the record as well as documentation received from the courts. The documentation from the courts was sent in a dispute via certified mail. I was also informed on the same call that they DO NOT Request validation of debt documentation from the court which is an outrage. So I was basically told that the debt can not be validated but they will still report it!
Consumer complaint received 2022-02-04
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MO)

I signed up for an XXXX XXXXXXXX XXXX Citi card. From the first month of me having the card I noticed a charge that I did not purchase. I disputed it but it continued and was an reoccurring charge each month from an online company I do not recognize or have ever purchased from. I have disputed it every month because it continues to reoccur and I have no way of contacting the company that was charging my credit card. Multiple times Citi customer service stated they would resolve the issue and it continued. In XXXX Citi customer service rep recommended cancelling my card and sending a new card so the charges wouldn't continue. A new card was issued to me but the charges continued. Again I never authorized or purchased a membership/fee in the amount of {$24.00} ( I believe this is the correct amount ). Also, I have no idea how the charges continued with a new card number issued. I was told I had to go in on my app and dispute every charge as they occurred because they were unable to stop them or block where the charges were coming from. Finally, after disputing the charges YET again, I paid my balance in full and cancelled my card and closed the account. Now, I'm receiving emails stating I've missed payments and that I'm overdue. My account is locked and I can not get into my account online or on my phone through the app. This has caused me so much unnecessary stress. I need help. They are not listening and with fraudulent charges on a credit card with no evidence of purchasing anything and unable to find said company online I should not have to go through this. I never would've signed up for this card if it wasn't for the flight rewards but now I severely regret it because they are not helping me and continuing to charge this card I no longer have. I'm unable to upload statements at this time because I'm unable to login to the account.
Consumer complaint received 2023-05-27
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. (LA)

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. 

XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 ay of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedated 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 the information is inaccurate.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MS)

My ex-husband and got divorced in 2015. We had a business together, including a business loan. After divorce was final, I was removed from the loan by the lender. All other credit reporting agencies removed this account from my report except Experian. After being denied a mortgage loan, I found out that Experian was still reporting this, along with approximately twelve 30-60 late payments. I disputed this with Experian and they have now removed it but it should never have happened. It was an error on their part that caused me embarrassment with my bank and also caused me to lose the chance to purchase a home.
Consumer complaint received 2018-03-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (CA)

My name is XXXX XXXX and Im paying my mortgage to CMG Mortgage but this company keep reporting to credit bureaus that Im late on my payment each time even i made my payment and seems they dont want me to refinance my house to lower my interest payment and decrease the life of the loan of my mortgage so i can not refinance to other company i had an equity on my house and i never refinance since i bought my house never filed a bankcruptcy but every time they run my credit it shows the late payments and never stop reporting on it so i will be more struggle .I was a victim of identity theft last XXXX to XXXX they break my car windshield stole my bag with my passport credit cards and identification luggages and many items on my car and i even reported that to credit bureaus and report to police department and told them as well to mortgage company as i have to change my bank account and reported cause of this incident i was fixing my credit for this people used my credit card and identification i was in a process of refinancing my house in XXXX XXXX  XXXX XXXX Ca . XXXX but i was always denied cause of this CMG mortgage holding me and keep reporting late payments even i made my payments so i wont go to the different lender and i could be more struggling stay on their company. and the XXXX and XXXX  are still doing it even i reported them that i was a victim of identity theft and submitted a report to them thats not me who is using this and stolen my credit card. pls. help me for i wan na lower my interest payment and get a better rate and decrease the life of the loan of my mortgage. 


Sincerely, XXXX XXXX Email : XXXX XXXX
Consumer complaint received 2018-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (OK)

OnXX/XX/XXXX, I received an email to my company email address from our XXXX vendor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) changing their wire instructions to Wells Fargo bank , account # XXXX. Two wires were sent out : first onXX/XX/XXXX in the amount of {$34000.00} and second on XX/XX/XXXXin the amount of {$40000.00}. Both wires were for the beneficiary of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was informed by XXXX XXXX that the wires had not been received. Then on XX/XX/XXXX, I was also informed by XXXX XXXX that their email system had been hacked. On XX/XX/XXXX, my bank files two wire transfer service request forms to return the funds due to the fraudulent account. The only response ( received XX/XX/XXXX ) received back from Wells Fargo so far is that there are no funds in the account to return.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Requested the removal of tax liens that are currently reporting on credit report. New law states that tax liens are not reported and will be deleted from credit report. Requested the removal to credit bureau several times and request was not honored.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (GA)

I purchased an airline ticket from XXXX XXXX at the XXXX airport on XX/XX/scrub>XXXX Twenty minutes later, I returned to XXXX XXXX to cancel my ticket. I purchased a new ticket but got charged for two tickets on XXXXXX/XX/year> on my bank statement. XXXX told me at PNC Bank that once you charge a ticket, you do not have XXXX to change your mind. Once you buy a ticket, that is it. How did this lady get that job?