davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
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. (WA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (MS)

A predatory lender, XXXX, showed up on my credit report as being in collections. They apparently sold the debt to DRS who has my phone number because they have tried calling me and have sent one text offering to settle for half of the amount XXXX and DRS claims is owed. 

I've never taken out a personal loan in my life, I've never applied for a loan with XXXX, I never received any paper bill or statement, no email, or phone call for this loan, and never received any money from XXXX. This is fraudulent and has functionally turned into extortion with a debt collector reporting me to credit bureaus and demanding repayment. 

The credit bureaus, and others, would like supporting documentation which is impossible for me to provide since I never applied for this loan, never received any money, and never had this listed on my credit before DRS reported this as being in default. So no documentation exists. Someone used my identity to get money and now I'm stuck with trying to clear it.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX # XXXX -Date Opened : XXXX BALANCE {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX - BALANCE {$1400.00} Unauthorized 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

This is a complaint regarding Wells Fargo at XXXX XXXX, XXXX GA XXXX. 
I have been a member of Wells Fargo for over 10 years and my paychecks have been direct deposited on a regular basis for a very long time. 
Friday morning, XX/XX/year>, I received a settlement refund check from the US Treasury. This student loan settlement had cleared my student loans from the credit and given a refund for payments that I made. 
I took the check to Wells Fargo at XXXX XXXX, XXXX GA XXXX, because this is the main bank that I use, located about 3 minutes from my house. 
The bank teller advised that a verification call is required for any checks over {$10000.00}. 
Over the duration of an hour, the bank teller came to the front twice to ask me ( 1st ) why I was given the check and ( 2nd ) if I had proof of the settlement. I was not prepared for these many questions or to require proof for a {$12000.00} check. I happened to have a picture of the settlement approval letters in my phone because I had to provide it my new mortgage lender as I am in the process of purchasing a home. The bank teller went to the back for a third time and when she returned, she told me that the check was fake, and checks from the US Treasury do not look like what I have. I was in shock and I told her that cant be true. She told me the manager would be out to discuss it with me further. 
I waited a few moments for the manager to come out and she ask me why I was given this check. I explained to her that its a refund from a student loan settlement and that theres a phone number attached to the check that can be called. She did not bother to do call it and said Wells Fargo can not deposit my check. 
I dont think proper due diligence to verify the check was done by the manager or the bank teller. I was deeply offended and frustrated in the process and feel the actions responses I received from this branch of Wells Fargo are based in profiling and discrimination against young women of color. I feel that at the very least, I deserve an apology for I was treated that day.
Consumer complaint received 2024-09-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

We had a VA loan with XXXX XXXX  paying our homeowners insurance ( our mortgage was sold to mar Cooper ) and Mr Cooper said we had to escrow our insurance for two years. Now in XX/XX/year> our insurance was decreased {$430.00} plus Mr Cooper went up on my mortgage instead of decreasing my payments. I am XXXX XXXX XXXX my husband is XXXX ,100 % XXXX veteran, retired usaf,, we requested to lease our terms as they were before sold to Mr cooper but was told we couldnt pay our insurance Mr has caused emotional and financial damage by increasing our mortgage without notice or cause, our escrow account need to audit ASAP
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Late Payment XXXX XXXX XXXX  Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Employers : XXXX Employers XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX
Consumer complaint received 2024-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Pursuant to the XXXX Fair Debt Collection Practices Act ( 15 USC 1692c ), you are hereby notified to immediately cease communications concerning the collection of the debt associated with the above-referenced account. This notice shall include, but is not limited to written correspondence, as well as telephonic communication. In the event that you fail to honor my request, please be advised that a written log of all contacts made by your company will be recorded. Furthermore, failure to honor this request could subject your company to liability under XXXX law. 
If you or any other agent of your company attempts to contact me regarding this debt, a formal complaint will be filed with the XXXXXXXX XXXXXXXX Attorney XXXX XXXX and the Federal Trade Commission.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (MO)

Vance and Huffman LLC appeared on my creditor report as a debt collector for {$3800.00}. I don't know who they are or where that debt comes from. I tried to contact them several times but to no avail. I have never been contacted by that company in any form to inform me about any business we might have together. They are based in Virginia, apparently. I live in Missouri. Never had business in Virginia.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report.

Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX Account number : XXXX You have this account balance as {$1400.00} but the current account balance is {$3.00}
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (OH)

Account was opened with US bank in second week of XXXX. Per their terms, {$600.00} bonus was offered upon opening an account and satisfying the conditions of direct deposit and enrollment in the online banking. 

Both conditions were satisfied in the timely manner. There was 60 day period to receive the bonus after conditions were met. I reached out to US bank 4 months after account opening and I was told that I have already met the conditions and do not need to take any action. Bonus will be deposited once account goes through review process. 

I reached out to US bank on XX/XX/year> again, they verified and told me again that account was eligible for bonus based on completed activities and should have received the bonus. I was asked to wait 3 to 5 business days to receive the bonus. Today, it is 5 days completed and my account is still not credited with bonus that was promised. It is also take note that US bank is will outside of their promised processing times and this is unnecessary burden on the customer to try to get the bonus promised by the bank to lure customers to open an account.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

It's my understanding that TransUnion is one of the big three credit reporting bureaus along with XXXX and XXXX. 

To keep this brief, my complaint concerns receiving email solicitations for loans from TransUnion. 

This was not information to protect me regarding applying for loans, this is actually a solicitation for me to take out a loan. 

Why is a credit reporting bureau soliciting me to take out a loan? 

How can a credit reporting bureau also be a lender? 

There is something inherently wrong with this. 

Additionally I find fault with the fact that with TransUnion, when you go to look at your FICO scores, in very small print at the bottom of their information they disclose that the score that they show you isn't really your FICO score but something they call a XXXX Score. They go on to say that their XXXX Score is not something that lenders use, yet they want to charge you {$29.00} a month to sign up for a service to supposedly keep on top of your credit score.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (FL)

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!

I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$4600.00} XXXX  XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$290.00} XXXX XXXXXXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$0.00} XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX - BALANCE {$160.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX - BALANCE {$10000.00} XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$590.00} XXXX Date Opened XX/XX/XXXX - BALANCE {$590.00} Unauthorized inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX PROF FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am writing to express my concern regarding the incorrect information provided by the company. Despite making payments, including XXXX on XX/XX/XXXX for {$25.00}, my account was reported as late. This is unacceptable and requires further investigation. Additionally, there was an issue with the XXXX holding my mail on XX/XX/XXXX. As a result, payments made on XX/XX/XXXX for {$180.00} and XX/XX/XXXX for {$180.00} were sent to the wrong credit card. Although I was informed that the issue was resolved and the payments were redirected to the correct account on XX/XX/XXXX, I kindly request a thorough investigation into this matter. Thank you for your attention to this issue. I appreciate your prompt response and resolution. I've sent XXXX attachments with the confirmation number please help me resolve this.
Consumer complaint received 2024-09-20
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. (AL)

" I have been requesting proof of validation of the debt from Experian and the debt collector for several months now, yet they continue to label it as 'verified ' without providing any substantiating evidence. Despite reaching out to an Experian Executive via email, my requests have been ignored. I want both parties to be held accountable and compensated according to the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for their noncompliance
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year>, around XXXX XXXX. I used Chase ATM on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . 3rd ATM is on the right side when I go in. There was a security camera and there was a security guard. I used my phone and tapped on the ATM. I deposited cash of {$2100.00} in {$100.00} dollar bills. It spit out {$300.00} and I clicked on deposit more and I put {$300.00} back again. The ATM spits out only {$100.00} this time. So {$2000.00} was put in with all {$100.00} dollar bills. It was finalizing the deposit but, no receipt was given. It didn't print out the receipt. On XX/XX/year>, I tried using my debit card, and it says I don't have money. I checked the account online, and {$2000.00} wasn't showing on my account. I called and filed a claim with Chase, and they said they would give me {$2000.00} while they investigated. So I thought everything was settled, but now they reversed the claim of {$2000.00} and they are saying that they couldn't find anything. I told them to check the security footage and ATM camera but they are saying what they can do is to re-investigate but they can't show me any proof or security footage. It's not a small amount of money that was put in. It's the ATM machine there's something wrong with it and I am the victim here and they are acting like they can't do anything about it. Chase is not a small company, if there is something wrong with the ATM, they should do something about it. This is ridiculous. Please help me solve the problem. They took out my {$2000.00} and are not giving me back my money. Thank you.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One is authorizing online transactions to my Checking account without our signature authorization. We have notified their fraud department several times ( XXXX ) over the past 2 months with XXXX resolution. We finally escalated the issue to a XXXX in their fraud department identified as XXXX ( employee ID # XXXX ). He is supposed to be emailing us documentation that XXXX XXXX  provided to the bank authorizing these transactions when we know without a doubt that these transactions were not authorized by us. In fact, my wife researched the vendors and found that they were all in the state of CA that we haven't visited once in 2024. The transactions total over {$200.00}. We reported similar fraud transactions to XXXX and XXXX. Their fraud departments immediately reversed the transactions and blocked any further fraud activity. Capital One continues to have issues and, in fact, another unauthorized transaction hit our account from an insurance company, XXXX XXXX, that we have never heard of before for {$430.00}. We are hesitant to switch banks as we have been using this same checking account for over 25 years before this bank acquired XXXX XXXX XXXX. At this point, we are concerned that either someone at Capital One is colluding with online vendors to intentionally defraud their customers, their fraud department is incompetent or they simply no longer care about the security of their clients. All of these issues should be of concern to the CFPB. Please investigate Capital One Bank as soon as possible. If this issue is happening to us, it could be impacting XXXX if not XXXX of other consumers that XXXX be defrauded due to their lack of online security.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Card was fraudulently used at ATMs for over {$700.00}. I have a disability and can not leave my home. I do not use ATMs. The bank is Wells Fargo. 

I submitted a fraudulent use claim and was credited the amount that was used by the fraudster. On XX/XX/year>, The credit was reversed in the amount of {$720.00}. I contacted them to advise them of their incorrect judgment, and they still ruled me liable for the fraudulent withdrawals.