davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a request to Transunion to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Transunion did not take any action regarding the incorrect and fraudulent information on my credit report. Transunion did not even verify any information as the should be law. I contacted the creditors of the fraudulent accounts and they had different Addresses and phone numbers in their file. This is a clear violation of the section 605B of the Fair Credit Reporting Act and Transunion should be held accountable.
Consumer complaint received 2024-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo has Violated the XXXX day rule. They referred my loan to XXXX XXXX their foreclosure attorney while in the midst of a loan modification. I received notification XX/XX/XXXX that my loan application for assistance was denied. I received another letter Tuesday XX/XX/XXXX indicating I didnt accept their offer. However, the letter was dated in XX/XX/XXXX. I also received the initial communication letter from their attorney also in XXXX. This is clearly XXXX XXXX. 

They have failed to respond to any of my Correspondence. The XXXX, Notice of XXXX, neither did they acknowledge my request to see the XXXX XXXX. 

I am XXXX plus years old and have paid this note completely off. They even sent me a letter of cancellation releasing me from the debt. 
They are try to take my house because I a great of equity. 
They accepted money last month but they are still trying to wrongly foreclose on my home where I have lived for many decades
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Unauthorized Hard Inquiries. 
To whom it may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. I did not secure an account with any of the following companies which constitutes securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : Trans Union 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (KS)

i contacted Optum bank on numerous times to have my account unlocked so that i can gain access to my medical information. 

they have refused. i call them, get a run around. was told that there would be a waiting period to see if access would be allowed. 

XXXX XXXX XXXX owns that portion of the bank. they are liers and holding my medical account hostage and will not let me in. i filed numerous XXXX  complaints, get a run around and told to wait. this is going on for over a year now. and im done with this drama.

what gives them the right to hold my medical information hostage when i no longer have accounts with that bank. PERIOD. i wanted access to my medical infomation, and they simply wont allow me into my account. who the XXXX acts like this? JUST GIVE ME ACCESS TO MY ACCOUNT PEOPLE. stop holding someones account hostage that DOES NOT BELONG TO YOU. thats my information not yours
Consumer complaint received 2024-06-26
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (IL)

This company is trying too collect a debt that is not owed they damaged my credit for something I do not own and According to FCRA section 605b it is illegal to report information too my credit without my permission thank you please remove this from my credit report now
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC. (NE)

This account was charged off on XXXX XXXX, then the dates of activity has been consinstanly keep updated the last active date XXXX XXXX, XXXX XXXX monthly on my XXXX, XXXX and XXXX we can not say this account is 100 % accurate. 
so it is demanded inaccurate, please delate this account from my credit report.
Consumer complaint received 2023-11-14
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. (TX)

I am writing to express my dissatisfaction with the recent attempt to remove a late closed account from my credit history. 

I submitted a request to have a late closed account removed from my credit report. This account was [ briefly describe the nature of the account and the circumstances leading to its closure ]. I understand the importance of maintaining a positive credit history, and I took the initiative to rectify this matter promptly. 

To my disappointment, the first attempt to remove this late closed account appears to have been unsuccessful. I have thoroughly reviewed my credit report, and the derogatory information associated with the aforementioned account still persists. 

I am reaching out to seek clarification on why the initial attempt was unsuccessful and to request a detailed explanation of the steps taken to address this matter. Additionally, I would appreciate a clear timeline for the resolution of this issue. 

Maintaining a favorable credit history is crucial for my financial well-being, and the persistence of inaccurate or outdated information can have a significant impact on my creditworthiness. I trust that Credit Bureaus values its customers and is committed to ensuring the accuracy of the information reported to credit bureaus. I am asking for your help to remove this account immediately in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There was a point where I lost my wallet. My wallet had a lot of valuable and personal information in it. I started to notice accounts that were negative reflect in my credit report that I had no idea and that do not belong to me. Since I have lost my wallet, I have also been in my personal information and data Were involved in various data breaches with XXXX and TransUnion. I am not aware of this debt nor where it came from. The debt is listed below ( XXXX XXXX XXXX XXXX XXXX XXXX ) Amount {$3800.00} Date assigned XX/XX/year> This debt is a result of identity theft. Please provide any and all and all proof that this is XXXX XXXX accurate beyond a shadow of doubt. I need receipts and signatures and full statements because I am not aware of this debt
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (AL)

XXXX XXXX  XXXX said the amount was {$14000.00} on my credit report it shows {$24000.00} and it went up another {$2400.00} today. I was scammed from the beginning buying a new car with XXXX miles on it. The transmission went out on the car and for XXXX refused to fix it when it was still under warranty. Their excuse was it didnt show codes on the computer.
Consumer complaint received 2024-05-26
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. (IL)

My name is XXXX XXXX, and I am sending this complaint because this is the third time Ive filed my claim regarding my stolen identity, and no action has been taken. The credit bureau hasn't responded to my disputes, nor have the companies involved. I feel my consumer rights are being ignored. I am the victim here, yet I can't get the proper help or responses from the credit reporting agencies. If no action is taken soon, I will pursue legal action.
Consumer complaint received 2024-05-29
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. (MI)

I've found again that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance {$1700.00}
Consumer complaint received 2023-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported against my expressed, written consent and therefore is a result of identity theft and must be removed. 
These accounts are not related to any transactions made by menthe consumer.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (GA)

I am filing a formal complaint against LexisNexis for reporting inaccurate information on my credit report and demand that LexisNexis immediately cease and desist from reporting any information about me. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 623 ( 15 U.S. Code 1681i and 1681s-2 ), credit reporting agencies and information furnishers are required to ensure the accuracy and integrity of the data they report. LexisNexis has failed to meet these legal obligations, which has caused significant harm to my credit standing. I request that the CFPB take immediate action to enforce my rights under federal law and require LexisNexis to cease all reporting of my information.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00}
Consumer complaint received 2017-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

To whom this may concern : Im filing this complaint because NationStar/Mr Cooper is once again, trying to fraudulently foreclose on my owner occupied property.! They promise to resolve this problem before! They said they would take 30days to give a FAIR REVIEW..! Instead we got a Unfair 3-5 day Denial, when they could clearly see that we should have gotten a modification that was affordable.. They can also see that we have the income for it, but they would just rather take our home anyway Instead! They have on their RECORD SO MANY FALSE AND FOUNDED CHARGES.. To make us so guilty and unworthy, It should be crime! If I did not feel that I am right about this Whole situation, I would Honestly and Proudly walk away and leave it all alone.!!! But I can not just give up on being DONE WRONG..! This is all a simple fix, stop stonewalling us put us back on track of the terms of our XX/XX/2012 modification.. 
Allow us too get at least Two years of clean mortgage history and we Refinance out. 
drop all of those other charges put us back at the AMOUNT WE REALLY OWE $ XXXX. 
AND WE MOVE ON WITH OUR LIFE.!! No more court issues of pointing fingers back and forth at each other..!! And Most of All put all of my XXXX THOUGHTS AND ANGUISH, OVER HOW MY FAMILY HAVE TREATED!!!!! OVER THIS ENTIRE SITUATION YOU GUYS HAVE PUT ME THRU ...!!
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CT)

The Apple card was used fraudulently on fifteen charges. Apple has refused to correct fraudulent charges made over two years despite receiving proof that the charges were made. Apple charged me 28.29 % interest on charges that were already paid, once they investigated and deemed the charges valid. Each investigation the result was the same, not enough evidence to prove otherwise. I sent them multiple documents from each vendor, such as cancelled appointments from a XXXX XXXX who charged for tests I did not take and a visit charges when I clearly was not in her office. Another vendor, XXXX stored my credit card without my consent on XXXX after one purchase in 2023, then charged my card five additional times. XXXXXXXX refused to credit me for any of the unauthorized purchases and did not even refund the original purchase. My Apple card was not in XXXX online wallet so I had no way of knowing that they did that until I received the five additional charges. Apple also cancelled my card after I reported the fraud and prevented access to my account. Apple card has also been reporting 90 day delinquency to all three credit reporting agencies. Apple Card has a rabid collection agency that has been reporting this information and harassing me nonstop. Needless to say that there has been no attempt by Goldman Sachs to correct this fraud nor has there been any remedy to the fraudulent information reported to the credit agencies. I need help with reducing the balance to XXXX  and having Apple card ( or whichever collection agency they sold the debt to ) remove all negative information and balance from all three credit agencies.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (VA)

Earlier this year, Citibank, without any notice or explanation, closed my long-standing checking and savings account. Around the same time, Citibank also closed my mother 's checking and savings account. Two ( or so ) months later, Citibank also closed my Costco credit card, issued by Citibank. After they closed the checking and savings account, I called ( I learned only when one of my bills were not paid, and I incurred fees because of that ) Citibank wondering why my payment hadn't gone thru ( I had XXXX XXXX XXXX XXXX XXXX in the saving account ). I was told my accounts are closed. I asked for reasons, they gave me none, and told me to go to a Citibank branch. I went to the one in XXXX, VA, spoke with the manager, and she gave no reasons. Soon after, they sent me a letter informing what I already had experienced : that my accounts are closed, and again, the letter gave no reasons why the account were closed. 

Both my mom and I have had impeccable credit record. 

I thought this was just bad business decision by the bank and didn't believe there was anything I could have done to restore my accounts. But I saw recently that CFPB had settled a case with Citibank and penalized the bank for discriminating against XXXX  Americans. I am an XXXX-American, and so is my mom. Her account was opened in XXXX, CA area ( and if I recall correctly, so was mine ). Both our last names end in " XXXX. '' I believe my mom and I were discriminated against because of our ethnicity.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-22
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

hi, someone made 3 purchases with this card on XXXX and XXXX at a grocery store in XXXX California. I live in XXXX California. clearly the card number was stolen. I submitted the information to the Vanilla gift card company and asked for dispute. however, they refuse to credit back those charges which totals around {$450.00}. I had a XXXX on XXXX in XXXX XXXX so there is no way I was down in XXXX California making purchases on XXXX and XXXX.
Consumer complaint received 2024-07-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION (NC)

On or around XX/XX/year> I opened a car loan with Navy federal.XXXX XXXX XXXX I got into a car accident where my XXXX  XXXX XXXX was totaled.I called navy federal a couple days later after I got out of the hospital to let them know about the accident.On XXXX XXXX to get the GAP payment activated so the vehicles can be paid off only to be told by a customer service agent that she dont see where GAP insurance was on my promissory note which I told her that I know for sure that I had selected GAP when I did my application for the auto loan I was transferred to another person name XXXX where she told me that normally on the promissory note there would be a section on where I the customer would initial and sign but she doesnt see that on my promissory note thats where I was transferred to a supervisor name XXXX where he told me that because my loan term is 96 months long thats why my loan wouldnt be eligible for GAP so I ask when was that a thing because I remembered Vividly that I had selected the GAP insurance XXXX then said that my application is Archived and he will request for it to be un-archived it then I ask him for a copy so I could view it also he said they cant email or no other way where I can see the application but it take 24 hours to be archived so he would give me a call the Tuesday evening, I am yet to hear from anyone at XXXX XXXX I called on the XXXX of XXXX to speak to XXXX was told that he is not available and a message was sent to him to give me a call me, today is the XXXX of XXXX and this matter have yet to be resolved .This is definitely unfair practice because the GAP insurance section was removed from the promissory note without my knowledge and there is nothing to show that I declined the GAP or my Loan was ineligible for GAP on a XXXX auto loan