davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX  XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX  XXXX  ( Original creditor : XXXX ) XXXX Balance : {$330.00} XXXX  XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$9300.00} XXXX  XXXX  XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022.
Consumer complaint received 2024-10-02
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, 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 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-11-19
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. (FL)

Despite previous disputes filed with XXXX and XXXX ( on dates provided ) under FCRA XXXX for identity theft accounts XXXX XXXX XXXX XXXX  ), these accounts remain on my report. Despite FTC identity theft filings and all required documentation, the bureaus failed to meet their obligations to investigate thoroughly and delete fraudulent accounts. This negligence is in direct violation of FCRA XXXX, which mandates the removal of unverifiable or inaccurate information. I have faced financial and emotional distress due to their inaction, including denied credit opportunities. XXXX rectification is necessary to prevent further harm. 

I am requesting immediate action to investigate these failures, enforce the removal of the accounts, and hold the credit bureaus accountable for not complying with consumer protection laws.
Consumer complaint received 2023-04-20
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. (TX)

Some companies are reporting me as late and I don't know what's the most logical reason behind it so please look thoroughly at the documents as it contains what really happened.
Consumer complaint received 2023-04-08
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. (PA)

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX XXXX XXXX  OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
Consumer complaint received 2023-05-14
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

On XXXX XXXX I had {$1400.00} stolen from my US Bank personal checking account through my Email address that was linked with XXXX. After calling a Telephone number that I had XXXX  for XXXX  I spoke with an individual Who claimed that he was an account manager for XXXX and stated that he needed to verify me through my US bank account that was linked to my XXXX account. I had been on the phone for over two hours with this individual because I had a question about the XXXX app.He had attempted to verify me through various means. On XXXX XXXX I reported the theft to XXXX and received a fraud complaint number and was instructed to call my US bank in XXXX XXXX California to report the fraud. I also filed a police report with the XXXX Police Department, The FTC, all three credit bureaus and had to change my username and password on all my accounts. I called US Bank and reported the theft and XXXX fraud complaint number to the XXXX XXXX branch manager XXXX XXXX XXXX. XXXX XXXX XXXX proceeded to harass me and claim that I did not have a fraud claim and that it was a scam.She literally took my words out of context and used them against me. My claim was denied because she had filed it as a dispute. The fraud department claimed that It was an authorized-transaction and subsequently denied my claim. .After several hours and days on the phone Between XX/XX/XXXX and today XXXX XXXX with the fraud department My fraud claim was finally filed. The fraud department instructed me to take the police report and all my supporting documents to US bank branch in XXXX XXXX.The documents were hand-delivered from my wife to XXXX XXXX XXXX the XXXX XXXX XXXX branch manager. XXXX XXXX XXXX failed to file the documents in a timely manner so the fraud department could make a valid decision. She filed the dispute claims three times and each time I was denied because they said it was a duplicate claim. I complained to the District manager XXXX XXXX about her performance as a branch manager. If this matter is not resolved with the {$1400.00} funds credited back to my personal checking account I shall have no choice but to file complaints with the FTC, The consumer financial protection bureau and the XXXX XXXX XXXX against the branch manager of XXXX XXXX US Bank. In my opinion XXXX XXXX XXXX is incompetent and unworthy of her position.
Consumer complaint received 2023-04-24
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. (PA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A, states I have a right to privacy.

15 USC 1681 Section 602A, Section 2 it also states that a credit reporting agency can not furnish an account without my written instructions.

15 USC 1666B, Creditor may not treat a payment on a credit card account under an open account and a consumer credit plan as late for any reason.
Consumer complaint received 2021-08-26
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: TD BANK US HOLDING COMPANY (NJ)

In XX/XX/XXXX I was advised by TD Card services that an address change was made on my behalf. The address change was an attempt at identity theft. I immediately contacted TD Card services and advised them of same. They cancelled my card and reissued a new card and promised to remove the fraudulent address from my account. That never happened ; in fact RD Card has now reported the fraudulent address to the credit reporting companies ( XXXX, etc. ). Today I spoke with XXXX at XXXX  and he assures me it will be removed ; however, I have been promised this before. Now I have an alert that the fraudulent address is now associated with my SSN. This is problematic on many levels. My complaint is specifically with TD Card services and their incompetence as well as reporting information they know to be fraudulent to the credit reporting services. This has taken me many hours to attempt to resolve and so far they have been unresponsive. I mailed a complaint directly to TD Card on XX/XX/XXXX after repeated phone calls and I have not seen any results nor have I heard from TD Card.
Consumer complaint received 2023-05-14
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-25
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. (CA)

To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( XXXX Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XXXX XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : XXXX ( JXX/XX/XXXX, Dispute No. XXXX ) ; Experian ( XX/XX/XXXX, Report XXXX. XXXX ) ; and XXXX ( I could not login to their dispute website and the dispute hotline kept booting me off ). I also spoke to XXXX Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this.

Your assistance will be much appreciated.

Sincerly XXXX XXXX
Consumer complaint received 2023-04-07
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (CA)

On XX/XX/2023 we got a text asking for authorizing of purchase we supposedly did on {$10000.00}. We ( my wife and I ) replied No, we did not buy anything from a shop at XXXX, XXXX XXXX, CA. To make sure that they got the message, I called them same day and reported a fraud, talked with Wells Fargo rep XXXX. In 3 business days, I found that this charge is added onto my account despite the text " No '' and called to warn them same day. I opened a dispute and called again and again I was assured that it will be resolved and removed from my account. Three days later nothing was done and I called one more time to Wells Fargo and talked with a manager XXXX, again I was assured that the charge will be removed and investigation had started. Within two days I received a letter from the Wells Fargo, what stated that if I would not call them, they will drop the dispute. I called them again on provided ph XXXX, talked to XXXX XXXX and he assured me that they are doing investigation and will remove the charge soon. As of XX/XX/2023 ( close of the month on the CC account, the charge is there and nothing changed. 
We have 2 more credit cards and never had anything like this before, despite the fact that wrong charges or not delivered goods happened there also and it was corrected within 2 business days. Please help, XXXX XXXX
Consumer complaint received 2023-05-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Navient ( formerly Sallie Mae ) talked me into forbearance multiple times when I was struggling financially reather than helping me find a repayment option that would help my situation. When I could no longer forbear they talked me into interest only payments. They never mentioned that my loan balance would acty increase due to that. My payments on interest only are now {$700.00}. On one loan where my payment is {$380.00}, only {$25.00} goes to principal. They won't offer me anything else other than interest only payments and meanwhile my balance keeps increasing. I don't qualify for any external consolidation as I have applied multiple places. At this rate I will never pay off my loan and Navient is making a XXXX  off of me. They persuade customers to take out loans they cant afford them refuse to work with them to pay it back. They know customers are trapped and take advantage of it.
Consumer complaint received 2021-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have a car loan with Toyota Motor Credit Corporation. 

ALL payments have been made electronically and on time for the last three years. 

I paid two car payments - XX/XX/2021 and XX/XX/2021 before the payments were due. Specifically, I paid the XX/XX/2021 payment, which was due on XX/XX/2021 on XX/XX/2021, and I paid the XX/XX/2021 payment, which was due on XX/XX/2021 on XX/XX/2021. 

In or around XX/XX/2021 I received a notice that my car loan was 30 days overdue and I paid another loan payment on XXXX XXXX, 2021. In total for the two months of XXXX and XX/XX/2021, I made three payments - BEFORE they were due. None of those three payments have been properly applied to my account and remain pending. Their electronic system acknowledged the payments - but indicated the payments were pending. Additionally, that system said that they were charging my account extra fees for late payments. 

I called their loan service department to clear up the issues on XX/XX/2021 from my husband 's cell phone XXXX. I attempted to contact a customer service representative. Their system said that they would return my call and hold my place in line. I did not receive a call back. I called them again and the system indicated they were closed. 

The system is not properly crediting my payments, and is incorrectly assessing late charges. It is not clear to me whether they are attempting to take possession of the vehicle - but any such movement would be illegal, and a breach of contract as I have paid in conformance with the contract. They have failed to timely respond to my communications.
Consumer complaint received 2021-08-25
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. (NV)

i XXXX XXXX bought a condo XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nevada XXXX in XX/XX/2018 ... on my experian report is a house XXXX XXXX XXXX XXXX XXXX nv XXXX ... i did not purchas this in XXXX..its on my credit report causing problems..i have sent written letter in 2018 to experian to take it off this i did not buy..im wondering why did this guy use my ss # and have it put on my credit report..here is the info on house on XXXX XXXX ... single family geo code:XXXX XXXX address id # XXXX ... its been 3 years now how long does experian take to get this off my report..i have done everything short of going to this mans house and XXXX him ti a lawyer so he can tell someone why he put on my credit report..i am refinancing my condo on XXXX so buffalo dr. XXXX XXXX nv XXXX and its still there..
Consumer complaint received 2023-04-07
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. (PA)

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without my consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX - OPENED ON XX/XX/XXXX - XXXX - XX/XX/XXXX
Consumer complaint received 2023-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My ex husband apparently opened a card in my name as a secondary user. I have not used the card, did not agree to the card, and Capitol One won't take it off of my credit report and won't let me close it because I am not the " primary ''. 
I have been divorced for 7 years and do not want that card in my name or on my credit report. I have never seen the card, don't use it and once I paid it completely off 4 years ago in order to get a mortgage. 
I had to pay my ex husbands debt off ( I never used it and it wasn't my debt ) to get a mortgage! 
IT IS NOT MY CREDIT CARD AND I WANT IT REMOVED FROM MY ACCOUNT. 
Capitol One is acting in a fraudulent manner at this point. 
I have complained to them in person and through XXXX XXXX. 
HELP!
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"