davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-18
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)

These accounts on my credit file are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts were 100 % accurately mine, So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC report # is : XXXX FTC report is attached and every account listed in my documents below are included in the report. 
Do not respond to me using a computer throughly look at my credit file and do your Job!.
Consumer complaint received 2021-12-18
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft, and I have a right to privacy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-18
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. (TX)

I purchased a home security system through XXXX XXXX on XX/XX/XXXX. It reported to XXXX and XXXX with a hard inquiry and monthly payment until XX/XX/XXXX. On XX/XX/XXXX, I received a timestamped email from XXXX XXXX stating that they will be transferring my account to XXXX XXXX XXXX. Only on the TransUnion XXXX XXXX did XXXX back date that I had an account with them starting in XX/XX/XXXX and they put that I had a deposit of {$99.00}. This is FALSE and fraudulent and needs to be corrected immediately. I did not have an account with XXXX XXXX XXXX until XXXX or XXXX of XXXX. I did not put a deposit down with XXXX  XXXX because I purchased the equipment and plan outright. I have an old bank statement to prove it. I also have monthly bank transactions from XXXX XXXX up until XX/XX/XXXX. I have proof of the emails from both XXXX XXXX and XXXX. It is validated on my consumer reports for both XXXX and XXXX. It just recently dropped off my consumer report in XX/XX/XXXX. I disputed this claim through TransUnion online system and provided copies of the email stating that transferring of my account to XXXX. TransUnion just mailed me a printed copy of my consumer report, which was received XX/XX/XXXX, stating that their investigation is accurate, and no further action will be taken. This is fraudulent because I supplied them with a copy of the email from XXXX  XXXX. TransUnion and XXXX XXXX XXXX should both be audited and investigated for reporting inaccurate and false information. I have bank statements. This can not be doctored or changed. TransUnion and XXXX XXXX XXXX is knowingly reporting false information. Yes, the account is reporting positive, but it is still false and should be addressed immediately. Yes, I am still an active paying customer of XXXX XXXX XXXX but how can I trust them if they are knowingly reporting a XXXX. And I requested a refund from XXXX back in XXXX that I NEVER received yet. I was charged from equipment that I did not ask for. It is on a recorded line and documented in their system. This is fraudulent practices in the open.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (WI)

XX/XX/21 Ran credit report on myself to check credit score. 2 revolving credit cards were listed on the report which are not my accounts. I reported the disputes to credit bureaus : XXXX, XXXX XXXX and XXXX. I spoke with both creditors to verify these are not my accounts. 
One of these accounts was removed from my credit report as it was deemed to not be my account. The other creditor claims that the information they reported to the credit bureau was accurate and it is my account. This is NOT my account!!

The creditor is CBNA ( CitiBank North American ) It is a XXXX revolving credit with a balance of {$19000.00}. They report an address of XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. This is not my address nor has it ever been my address! 

This is not my account and has effected my credit standing. This is my report from credit bureau XXXX : Remains CBNA Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your ISSUEIncorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone elsereport for the details. I am very upset that this is on my credit report andwould like to complain that this Company is not resolving this issue. I need to know what to do next.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I was contacted about owing money through a company called IC Systems Inc years ago and it was never resolved. I do not have any affiliation with this company or did not ever open an account t with this company. Someone stole my information and opened an account under my name. Identify Theft and Fraud.
Consumer complaint received 2021-12-17
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. (FL)

I FILED DISPUTE AND I DIDNOT GET NO RESPOND. I FILED DISPUTE REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have items on my credit report that are showing negative I have sent numerous complaints to the credit bureaus for clarification and I have not received any responses wether by phone mail anything I have also ask for clarification from the alleged creditors at which time I was told if I dispute these items I would be sued which is against the fdcpa false or misleading information I learned this after I did some research
Consumer complaint received 2021-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc. (FL)

Dear Sir or Madam I am writing to complain regarding the illegal Debt Collector tactics that was used to collect the debt. On XX/XX/2021 I have received a Collection Letter requesting me to pay {$450.00} to XXXX XXXX  and XXXX. from REMEX Collection Agency located XXXX XXXX XXXX, XXXX, NJ XXXX. 
I don't recall having any services rendered from XXXX XXXX XXXX XXXX therefore I requested a Validation of this debt. For this purpose I have sent a letter on XX/XX/2021 to Remex Inc with the Dispute of the claim and Validation request under FDCPA 15 USC 1692g Sec. 809 ( b ). 
Up until now XX/XX/2021 I have not received any responses from REMEX confirming that this debt is in fact belongs to me. I have contacted my Health Insurance Company and they were unable to confirm that I received any services for the amount of {$450.00} from XXXX XXXX XXXX XXXX 
REMEX however is continuing sending me requests for payment without properly validating this debt. I have send the letter to REMEX asking them to either provide me with the proper documents confirming that this debt is mine or stop pursuing this matter. However they are still harassing me with their requests. I believe this is frodulnet activity by Remax in violation of Fair Debt Collection Practices Act. Thank you
Consumer complaint received 2021-12-17
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: OneMain Finance Corporation (TX)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries This is not misrepresentation I am victim of Identity theft this not a mistake sent in error. I did not consent to authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts. Please block and remove immediately the following inquires from each XXXX.
Consumer complaint received 2021-12-17
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: TD BANK US HOLDING COMPANY (CO)

Hello, I had two accounts with TD Auto Finance that were all paid on time with no late pays. The third account was opened on XX/XX/XXXX and I made XXXX on time payments. TD ended up cancelling my auto pay on the XXXX payment ( XX/XX/XXXX ) without notice. As soon as I discovered that I could not obtain the title for the car, I found out that TD had reported that I was late to all three credit reporting agencies. I called TD and asked why they never notified me about cancelling auto pay or about the late pay and they claimed to have sent a letter. I never received a letter from them and I have seen many other consumers that have the exact same complaint from TD customers. I am a Veteran that has worked hard to maintain my credit and pay my bills on time. Please help!
Consumer complaint received 2021-12-18
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. (TX)

XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal of Bankruptcy XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Affidavit Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Legal Action Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on 5 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (GA)

These collections on my credit is preventing me from becoming a first time home owner on top of that this company has threatened me multiple times After Ive explain to them that I do not know what this debt is. This company is really XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im getting deny left and right when applying with Banks to get a mortgage, My fianc is suffering from XXXX and the price of living is entirely too high To continue paying rent at the property I currently live in. Im a XXXX veteran trying to make a honest living here in the United States but this company Is placing collections and outstanding balances onto my credit which is preventing me from succeeding in life.I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Consumer complaint received 2021-12-17
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: MoneyLion Inc. (WA)

On XX/XX/2021 we filed an identity theft/fraud report with our local police department. We then proceeded to notify all XXXX credit bureaus of this as well. A credit alert notified us of a new account opened with MoneyLion IncXXXX in late XXXX. We called MoneyLion IncXXXX on XX/XX/2021 letting them know to flag the account, that it was fraudulently opened and there was a police report filed. At this point, an account had already been opened. We monitored the credit reports and noticed that there was a loan amount now w/ a due date on the MoneyLion account ( we didn't notice it previously ) as it was noted as a checking account, not a loan. We called back again on XX/XX/2021 and explained the whole situation a second time. This time, they sent a link in an email asking us to file a dispute/correction. We completed the dispute within a few days of receiving the email. We reviewed the credit reports again and now see that this account is reporting 60 days late. It is our understanding that disputes need to be resolved within 30 days and it is well past that. At this point, MoneyLion is now fraudulently reporting this account on all XXXX credit reports. We have called multiple times this month ( XXXX ) to the Fraud Dept but unable to get through due to a automated message that states " your phone number has been registered in our voicemail, you can expect a call from a representative as soon as possible ''. There has been no phone call, no email and no way to get a hold of someone that can remove this from the reports. We are in the middle of buying a home and this has delayed the process and we have missed out on many homes because of MoneyLion 's inability to correct this fraudulent reporting.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (UT)

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance Owed : XXXX
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

Contacted Wells Fargo XX/XX/21 to report fraudulent activity on my checking account. Someone impersonating a Wells Fargo employee texted my stating there was an unauthorized XXXX transaction and asked me to confirm or deny the charges. I denied and I was contacted by a Wells Fargo phone number and was told I needed to reverse the transaction and he guided me through it. Almost immediately I saw money being withdrawn from the checking account, mentioned it to the Wells Fargo employee and he hung up. Immediately contacted wells Fargo to report this fraud. Was told by several Wells Fargo employees I would be reimbursed. Weeks went by and then received a letter from Wells Fargo denying my fraud claim on XX/XX/21. Contacted Wells Fargo fraud department on XX/XX/21 to dispute this denial was told they would look into it Contacted again on XX/XX/21, same story. Everytime we call, we are on the phone for hours and no one seems to have any idea what how to assist us, no investigation of the crime of wire fraud thAt took {$2500.00} from my account. Wells Fargo has done nothing and has failed to reimburse us the funds that were stolen
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (IN)

I have opened an online XXXX  account  on XX/XX/2021 after being informed by a retail relationship banker at the Bmo Harris Bank fishers location on XXXX XXXX of a {$400.00} dollars sign on bonus for opening a XXXX  checking account. I have made qualified direct deposits and maintained over XXXX dollars in my checking account to qualify for the {$400.00} sign-on bonus ; however, as of XX/XX/2021, I still have not received the {$400.00} sign-on bonus. 

On XX/XX/2021, I wrote the XXXX XXXX XXXX an email requesting an explanation for the missing sign-on bonus. In which the banker explained that the missing sign-on bonus was due to not having a promo code associated with my account according to BMO Harris support team and online department. Which I explained that the promotion code was auto generated after clicking open XXXX  account on the website. The process did not provide the customer a copy of the promotional code via email therefore I dont have any record of the code. The banker then proceeded to tell me that the only way to resolve this issue is to have this unique promotion code so she will work on getting a hold of that code as of XX/XX/2021. I emailed the XXXX XXXX XXXX back on XX/XX/2021 requesting an update on the progress for locating that code and inquired if she can resolve the problem with more time, which she completely diverted addressing my question. She did inform me again in the reply that she can only resolve the issue if she has the unique promotion code. 

Since XX/XX/2021, there has been neither any email communication from this XXXX XXXX XXXX to address the missing code nor any attempt from the institution to contact me to ratify the situation.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (IA)

I am a customer at XXXX XXXX that used to have a banking account with state farm. XXXX XXXX bank converted my checking account to US Bank. I had to have a US Bank account because of an auto loan and it was used to transfer funds from one checking to their checking to pay the auto loan. Auto loan is still with XXXX XXXX, and XXXX XXXX is not at fault here. My complaint is with US Bank. 
The minimum was to have {$25.00} in my account, which is what was opened with US Bank. I don't need or want that account. 
I received a statement where US Bank charged me a {$2.00} paper statement fee and then charged me a {$5.00} dormant service cha for my account. 
First, I was never told I was going to get charged a fee for not changing to paperless. And second I was charged the dormant fee without being contacted that I was going to get charged that. 
I called and closed out my account immediately but they will only send the remaining {$17.00}. 
How can a bank get away with all these fees without communicating?
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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 2021-12-14
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.