davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-14
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. (AR)

I got a notification on XX/XX/2022, that my score has dropped. So I immediately go check to see what it was. There was a missed payment on an account that is not mine. I disputed this account before and it was removed from my credit report. I didn't know it was added back to my report. Nothing was sent to me confirming this account was added back or even proof that this account belongs to me
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CT)

So they denied me access to my online banking and when I called them they said my account isnt account is going to be closed and I asked them what caused you guys to close my account they said someone reported a XXXX transfer I said how could someone that was supposed to send me money report a transfer and you guys suddenly decide to close my account and so after that they gave me a closure date for XXXX the XXXX then they extended it to XXXX XXXX and then they extended it again to XXXX XXXX they keep extending the date of closure I just need my money from them thats all I desire
Consumer complaint received 2022-03-14
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: Continental Finance Company, LLC (FL)

my former brother in law and co worker XXXX XXXX XXXX had access to our company records and he access these records and opened several accounts for credit for me and other co workers I have tried to alert several credit issuers bit I have not been successful in getting any assistance
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

On XX/XX/2022 at XXXX, I received an email alert from my Direct Express debit card stating that they suspected fraudulent activity on my card and to respond Yes or No to a {$200.00} atm cash withdrawal at Comerica Bank XXXX XXXX , CA if I recognized it. I immediately responded NO and the alert stated the that the transaction was declined and my card was deactivated. I was out the country at the time of this fraudulent transaction and the debit card was in my possession the entire time. Upon my return to the states on XXXX XXXX, 2022, I checked my debit account and I realized that the {$200.00} withdrawal was in fact taken out of my account even though the email stated that the transaction was declined. I immediately called Direct Express and informed them of the situation. I was told they would look into it and get back to me. Two days later I was notified that my claim was denied because a physical debit card was present using my pin. Im pretty certain that Direct Express is fully aware of such thing as skimmers out there that fraudulently take peoples money. This is my XXXX money and only source of income. Its not right of them to deny my claim when I was out of the country and did NOT authorize this transaction nor was the card physically present at the ATM because it was with me in XXXX from XX/XX/XXXX to XXXX XXXX,2022. Its no wonder why they are in a legal class action lawsuit given this type of fraud happening with their debit cards. Why cant they check with Comericas ATM surveillance to see if it was me? This is theft and I want my funds returned.
Consumer complaint received 2023-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IA)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

My issue is related to two closed student loan accounts erroneously reporting to the credit bureau as open as well as incorrect loan balances associated with those loan accounts. Multiple disputes with documentation have been submitted to the credit bureaus and the reporting student loan servicer. 

There are two student loans from Nelnet in the amounts of {$99000.00} and {$120000.00} showing on my credit report with XXXX and XXXX. These loans were consolidated in XXXX and transferred at that time from Nelnet to XXXX. In XX/XX/XXXX, the loans were forgiven under PSLF. Erroneously, XXXX and XXXX still reflect that these loans are open with Nelnet. I filed disputes with XXXX on XX/XX/XXXX and XX/XX/XXXX and with XXXX on XX/XX/XXXX and XX/XX/XXXX. The results of each of these disputes indicate the information was verified as accurate. 

On XX/XX/XXXX I contacted Nelnet and spoke with a representative named XXXX to request that the loan status be corrected with the credit bureau reporting. XXXX confirmed the accounts in question were closed with {$0.00} balances and were being reported that way to the credit bureaus. She advised me to send an email to their Customer Solution team at XXXX. I did so on the same date along with providing screenshots of my credit reports. Unfortunately, I did not receive a response to my emailed request. 

On XX/XX/XXXX I contacted Nelnet again to inquire about the status of my email to Customer Solutions. I spoke with XXXX who verified my accounts in question were closed with {$0.00} balances and were reporting to the credit bureaus that way. I asked to be transferred to another representative who may have insight behind the scenes of the systems hoping for a resolution. I was then transferred to Specialist 1, XXXX XXXX She reviewed my account further and said she could see the problem and believed the issue was on their end and tied to a credit suppression policy that was put into place during COVID-19. She said she would need more time to work with her counterparts and she would follow up with me in a few weeks once she resolved the issue. 

On XX/XX/XXXX I was contacted by Nelnet Specialist 1, XXXX XXXX She stated that unfortunately she was unable to resolve the issue with my account due to the credit suppression policy. She did not know when the policy would change allowing the closed loans to be correctly reported to the credit bureaus. I was advised to continue disputing the amounts with the credit bureaus as well as submitting a complaint to Federal Student Aid or Consumer Financial Protection Bureau. She also suggested I contact XXXX since the loans were originally consolidated and transferred to them. I explained that XXXX is accurately reflecting/reporting the loans as closed and with {$0.00} balances.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a letter from Bank Of America " we've made the decision to close your credit card '' because of a returned payment and utilization of my credit is high. Conditional XXXX of your claim. This is an attempt to validate a debt against Bank of America. This response is not a refusal to pay, this response is my conditional acceptance to Bank of America on the conditions being met as required by XXXX. Intentional Misrepresentation and Breach of Contract. Please provide a true bill of XXXX or reopen ALL my credit card accounts within 24 hours. Reopen my credit card account and increase my credit limit for each credit card.
Consumer complaint received 2023-07-18
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. (LA)

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am contacting you to request the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and details should not be reported as they violate both the FDCPA and FCRA regulations. I insist on the immediate removal of these items to rectify this breach of multiple laws. Please take the necessary steps to remove these accounts and information from my consumer report without delay.
Consumer complaint received 2023-07-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (MD)

I am a savings acct customer with Discover bank. Tried to open a CD and move funds from discover savings to a Discover CD. The online process is horrible and requires multiple phone calls and still no account set up. I also called the FDIC complaint line an was told by staff ONLINE BANKING is the worst. 

Please fix the mess. A known acct customer and my background is well known by the bank. why the constant run around? Sure they pick up the phone but never get the issue resolved. 

Be aware banking online not as simple as it should be.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-19
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. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-19
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. (VA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-18
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. (FL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-01-19
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. (CO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-17
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. (LA)

Yes I feel I have been a victim of identity theft so I spoke with the bureaus about it several times and the matter still hasnt been resolved. I have inquiries on my report thats inaccurate!!!
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (VA)

After checking my credit report I noticed several inquiries that I did not recognize or authorize. I contacted XXXX, Equifax, and XXXX on XX/XX/2023 via certified mail and brought this matter to their attention. They did not do anything about this issue. I contacted them again on XX/XX/2023 via certified mail again asking them why they did NOT do anything about this situation and if they can show me any proof of who tried to open accounts without my authorization. I did research and seen that there all laws that require the credit reporting agencies to provide proof of why they gave these companies access to my credit report without PERMISSIBLE PURPOSE? Since they have not done what they are required to do, I made sure I filed an identity theft claim with the FTC and am asking the CFPB with assistance with this situation.
Consumer complaint received 2022-08-17
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-17
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. (GA)

Contacted Experian on XX/XX/17 as there is false information on my credit report. The rep advised I would need to contact the company who is reporting in accurate data in order to get information removed which is illegal as I have stated there is incorrect and inaccurate information on my credit report. 

I asked the report to remove the below address : XXXXXXXX XXXX XXXX XXXXXXXX, Ga XXXX Different Variations Which I do not go by. I only go by what is on my drivers license : XXXX XXXX XXXX XXXX XXXX XXXX Also, i do not have access to dispute online.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (OH)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out to notify you that I have been a victim of identity theft, resulting in the appearance of several fraudulent entries on my credit report without my awareness or approval. 3 Unapproved accounts and 27 inquiries have been added to my report, none of which were authorized by me. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already filed a report with the Federal Trade Commission ( FTC ) regarding this identity theft and now request the prompt removal of these fraudulent items to maintain the accuracy of my credit report.
Consumer complaint received 2022-08-17
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. (OK)

My name is XXXX XXXX, I recently pulled my credit report to find numerous fraudulent and unauthorized inquiries on my PUBLIC credit equifax profile. 


This is hurting my financial health and is HURTING MY ABILITY TO HAVE A HOME AND TRAVEL IN ORDER TO WORK. 


Under FCRA law I have a right to privacy and my permission in the form of a signature is required to pull my credit report or add accounts to it. I HAVE NOT SIGNED ANYTHING OR GAVE WRITTEN CONSENT FOR ANY OF THESE ACCOUNTS. 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) giving permission for each of these accounts. 


If you are unable to that proof within a reasonable time YOU MUST DELETE EACH OF THESE ACCOUNTS OFF MY REPORT IMMEDIATELY. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX