davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (MI)

Hello, my name is XXXX XXXX I have been reporting this account for also a year and half. I have never opened this account this and 5 other accounts was open in my name and my identity has been compromised. I been telling that I have not open this account. The transactions are not mines. I also reach out to this company they told me they remove the amount. On my sears card it shows my account was never use until someone use up to {$1400.00} of my credit card. And I report it to sears. They still put on my credit after I said it was fraud. You can see month to month my account didnt change until the time it was comprised I never use my sears card but it still showed on my credit I dont even know what the card look like. I never received anything until my credit went from XXXX now its in the XXXX because they keep reporting fraudulent transactions that i didnt make I need this report off my credit. My card was compromised and you can see in the statements it wasnt me.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I have disputed some items listed on my credit file several times with no outcome of corrections. Nothing is being done. I need some help, as you know my state was impacted by Irma and we are trying to get our lives back in order. 

The issue is my mortgage states past due on my credit file which is NOT and hasn't been updated since XX/XX/2017. My credit will never get better unless some action is taken. The account was in affected area of the national disaster.
Consumer complaint received 2023-07-11
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: U.S. BANCORP (FL)

Response to Erroneous Credit Card Application Denial REF : XXXXXXXX XXXX XXXX XXXX Dear usbank I am writing in response to an email I received from your bank regarding the denial of my credit card application. However, I would like to clarify that I have never been a customer of your bank, let alone applied for a credit card through your institution. 

I am deeply concerned about this situation as it suggests a potential case of mistaken identity or fraudulent activity. Given that I have no prior association with your bank, I find it alarming to receive a denial for an application I never made. 

I kindly request that you thoroughly investigate this matter and cross-check the information in your records. It is imperative to rectify any inaccuracies promptly and take appropriate measures to ensure the security of my personal information. 

In light of these circumstances, I urge you to provide me with detailed information about the credit card application, including the application date and any associated personal information. This will enable me to assist you in unraveling the source of this confusion and resolving the issue at hand. 

Furthermore, I would appreciate receiving a written explanation concerning the denial of this credit card application. Understanding the reasons behind this decision will not only help me address any potential concerns but also aid in safeguarding my financial reputation. 

I trust that your esteemed institution will treat this matter with the utmost seriousness and take immediate action to investigate and resolve this discrepancy. Your cooperation and prompt response will be greatly appreciated. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-07-22
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: EQUIFAX, INC. (IL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-24
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: M&T BANK CORPORATION (MD)

I was never aware any issues with XXXX or charges to my checking account. 
I dont rent cars. Verification that I was neither the renter nor a responsible party on the rental agreement ok contract.

I never authorized use of my card for this rental payment, Im not financially responsible for this rental through XXXX. 
Following my investigation, Ive found that M & T Bank issued a refund for this overcharge to my adult daughters separate account. 
XXXX frequently overcharges customers after rentals, especially during the pandemic, as my daughter is pursuing a lawsuit against XXXX for many fraudulent acts, unlawful actions, and violations. 
After M & T Bank issued my daughter the refund to this overcharge that she disputed and provided proof of, months later and by way of a deceptively surreptitious recharge using an expired old hold authorization, XXXX file to have M & T Bank reissue this money. 
My daughters separate checking account had been closed for months already. 
XXXX used an unlawful practice of using old gold authorizations and M & T Bank allowed XXXX undue unlawful overcharge to be kicked back to my separate account. 
I had no way of knowing this since I didnt use this account except for auto payments on my car loan for my personal vehicle. 
M & T Bank listed this as account abuse, but the fraudulent and abusive actions have been surreptitiously committed by XXXX and M & T Bank. Im not responsible for this. I only became aware of the wrongful and erroneous collections account posting defamatory and damaging claims of account abuse against me., after denial for a bank account that lead back to XXXX XXXX. 

I contacted XXXX XXXX three separate times, all of the times providing my ssn, license number, address, name, and uploaded my ID. XXXX XXXX outsources our calls to XXXX and the personnel told me no need for my American laws under the Fair Credit Reporting Act passed by XXXX, as I quoted 15 USC 1681, 1682, 1666, and 1692. I recorded all my calls and my witnesses listened to.

This needs to be immediate removed. This charge has absolutely nothing to do with me. Infact , M & T Bank in XXXX MD has been a nightmare and I closed out my accounts with them by refinancing elsewhere. I am filing this complaint with MD OAG, FTC as well and a lawsuit if necessary. My credit was an XXXX when I first dealt with M & T Bank. This action is very damaging to me and its baseless and spiteful. XXXX XXXX is is why I left M & T Bank.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PR)

I have disputed some items listed on my credit file several times with no outcome of corrections. Nothing is being done. I need some help, as you know my state was impacted by Irma and we are trying to get our lives back in order. 

The issue is my mortgage states past due on my credit file which is NOT and hasn't been updated since XX/XX/2017. My credit will never get better unless some action is taken. The account was in affected area of the national disaster.
Consumer complaint received 2024-06-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I have a Veterans Administration Guaranty Home Mortgage. The VA Regulations do not require the Veteran to have their escrow account payments to be collected by the lender. My mortgage lender, Pennymac mortgage, has refused to stop the escrow collections and allow me to pay my own taxes and insurance when they become due. Pennymac 's refusal is based my mortgage for " minimum current and/or original loan to value ratio was not met ''. I do not have a conventional mortgage and there terms are violating the VA Regulations which govern my mortgage. I requested to have the escrow removed from my mortgage XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There response was the the same each time.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (IN)

I received a phone call from National Recovery Agency on XX/XX/year> stating that I owed a debt. I asked for whom this is for and they would not tell me. I asked who the orginal creditor was and again, they refused to tell me. I asked for an official debt validation letter to be sent to my home address and they said that they wouldn't be doing that. 

Now, I have a collection account on my credit report. This needs to be removed from my credit report ASAP and this predatory debt collector needs to be disciplined ASAP as they are ruining people lives by not following the laws put in place to protect consumers.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (LA)

I recently had a collections added to my credit report. The collections was added this year ( 2024 ). I have not taken out any loans since my car loan XXXX years ago ( 2020 ). I even froze all my credit sometime last year as there was a data breach for the XXXX XXXX. I don't have incredible credit but I certainly don't need anyone making it worse for me. When this charge originally was added, I successfully disputed it and it disappeared from my reports. However, it was recently added once again. I disputed it once again and this time, it was reported that the debt belongs to me. I have never received any mail or communications regarding this debt and I've lived at my current address for over XXXX years and have has my same cell number for even longer. If I owed this debt, I would have been contacted and I would remember having taken this money ( I have never received any loan money ) but I haven't and it would be impossible for me to have taken out loans in the last year with my credit frozen. I don't know if someone has used my info to receive loans but I want this resolved immediately.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc. (SC)

" The Fair Credit Reporting Ac

t ( 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. 

Please see attached file for these items I am complaining.. 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. 
"
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: World Acceptance Corporation (SC)

" 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.

Please see attached file for these items I am complaining.. 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. 
"
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

Unauthorized Charge - Claim Number : XXXX I am writing to follow up on my previous complaint regarding the unauthorized charge on my Wells Fargo account and to express my continued dissatisfaction with the resolution provided by Wells Fargo. 

Background : On XX/XX/year>, I discovered an unauthorized charge of {$1000.00} on my account and rightfully reported my card as stolen. Following this incident, I had to replace my phone, phone number, ID, and card because it was all attached to my Phone via XXXX wallet. Wells Fargo initially provided a provisional credit of {$1000.00}, which was later reversed when they denied my claim, stating the transaction was authorized and there was no processing error. 

Response from Wells Fargo : Wells Fargos response indicated that their investigation confirmed the transaction was authorized and advised me to follow up with the merchant for further recovery efforts. They also mentioned that I could request documentation used in their decision-making process. 

Additional Concerns : During a phone call with an executive officeXXXX on XX/XX/year>, I felt as though I was being interrogated when I am the victim. The officer questioned me about emails from XXXX and other details regarding my new phone, which made me feel my words were being twisted because I am not as good with verbally using my words due to my XXXX. This approach was upsetting and made me feel disrespected as a long-time customer. I have been with Wells Fargo for almost 10 years and have never an issue like this on my account. When I have a genuine issue, this is how I am treated? I want to make it clear that I did NOT authorize this purchase. I request that further communication be conducted in writing ONLY, to avoid any further misinterpretation of my words. I will not be taking any phone calls. 

Additionally, I am attaching a photo that shows I had to order a new phone, which also includes the new phone number that has already been linked to my Wells Fargo account. This further supports my claim that the transaction could not have been authorized by me and that I had to completely get a new phone and number.
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PR)

I'm getting robo calls from XXXX for debt collection when I have excellent credit and no out of compliance debt obligations. This number is well documented on the internet for harassing people who are not qualified for a debt collection solicitation.
Consumer complaint received 2023-06-22
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. (IN)

I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted 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. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

XXXXXXXX XXXX {$430.00} and XXXX XXXX XXXX {$560.00} Original creditor XXXX It seems like they are selling this from one collection company to another. I never had an account with XXXX  XXXX XXXX or XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (OH)

Subject : Notice of Unauthorized Credit Reporting and Demand for Compliance Violation of Ohio FCRA Identity Theft Fraud Laws Dear WELLS FARGO CARD SER, I am writing to address a serious issue regarding the unauthorized reporting of information to my credit report, which violates both federal and Ohio state laws, including the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Ohio Revised Code Sections 1349.19 and 1349.191, and identity theft laws, specifically Ohio Revised Code Section 2913.49.

It has come to my attention that WELLS FARGO CARD SER has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly requires consumer consent for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Ohio state law, specifically Ohio Revised Code Section 1349.19, mandates that consumer consent is essential for credit reporting. Furthermore, Section 1349.191 of the Ohio Revised Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft laws, such as Ohio Revised Code Section 2913.49, underscore the seriousness of unauthorized access and misuse of personal information. 

I assert unequivocally that I have not provided consent for WELLS FARGO CARD SER to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially harming my creditworthiness and disregarding federal and state laws. 

I demand, with absolute certainty, that WELLS FARGO CARD SER immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Ohio Revised Code Sections 1349.19 and 1349.191. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA, Ohio state law, and identity theft laws. This is not negotiable ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and prompt rectification of these violations, respecting my rights under federal and Ohio state laws. 

Done in good faith,
Consumer complaint received 2024-06-24
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC (AZ)

I called into XXXX XXXX on XX/XX/21 in the morning requesting a payoff balance. The balance they stated was {$2600.00}. The employee failed to mention they had sent an ACH to my account which was not yet reflected on my balance. We called later that same day to payoff the loan. Later on I see a XXXX hit my account for {$150.00} when I had already paid off. Therefore i over paid and now Im being charged a fee due to my account being overdrawn. They said they wont refund till it posts which i understand. However my issue is the fee Im being forced to pay due to them not informing me there was something sent to my account and having me over pay. XXXX XXXX informed me that they wont be taking accountability for the fees they have caused. I need help rectifying this issue and making this right please.
Consumer complaint received 2024-05-24
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. (MI)

It has been brought to my attention that you are not removing files when theyre sent with an FTC report with reference number XXXX. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. I also attached here a new FTC report with reference number XXXX. If you choose to not remove the inquiry listed below which are reporting inaccurately due to mistaken credit reporting, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the inquiry as it was opened without my consent or knowledge XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit report data. I do not consent to E-OSCAR or any means of automated verification.