davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-11
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: U.S. BANCORP (NJ)

Found out there are unauthorized companies reporting inaccurate information regarding Hard inquiries : Us Bank XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-29
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. (GA)

I recently checked my credit report and found several addresses and accounts that are not mine. Below I will list the accounts and addresses that are incorrect on my credit report. 


XXXX  : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX  XXXX Account XXXX XXXX Date Open : Balance : {$1100.00} Account Name : XXXX  Account # XXXX XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX  Address that I have never been associated with:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXXXXXX Account # XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX XXXX  fraudulent addresse : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Transunion : Account Name : XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$1600.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date Open : Balance : {$1100.00} Account Name : XXXX Account XXXX : XXXX Date Open : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$2100.00} Date open:XXXX Transunion fraudulent addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

According to FCRA 605B, we are required to remove any inaccurate accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported. I should receive {$1000.00} for each erroneous entry on my credit file.
Consumer complaint received 2024-06-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/year> at XXXXXXXX XXXX  service of a court summons was delivered to a listed address and received by a third person not the AFFIANT. The summons was a complaint brought against the AFFIANT by JPMORGAN CHASE BANK N.A., and through the Debt Collector XXXX, XXXX, XXXX, & XXXX, XXXX. Debt Collector is also acting as counsel for JPMORGAN CHASE BANK N.A. Located at the footer of the court documents is the common clause, " This COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. The AFFIANT never received any Notice of Assignment prior to this cause of action from the alleged creditor or the Debt Collector XXXX, XXXX, XXXX, & XXXX, XXXX. The AFFIANT also researched if the Debt Collector XXXX, XXXX, XXXX, & XXXX, XXXX is licensed to collect debt in the state of Florida which yielded negative results. The Debt Collector used deceptive, and unfair debt collection practices by not affording the AFFIANT to dispute this alleged Debt. The Debt Collector sought remedy directly through State Courts. The debt collector continues to Abuse the AFFIANT with its continuance of legal pleadings, causing prospective jobs to be lost ( unemployed ), martial instability due to time and effort placed on AFFIANT to defend in court pleadings. Individual privacy because the Court is public and records can be shown. Numerous letters from 3rd party law firms persistently filled the consumers mail box relating to this alleged debt. XXXX, XXXX, XXXX. & XXXX, XXXX has violated 15 USC 1692 ( FAIR DEBT COLLECTION PRACTICES ACT ), Public Law 95-109 802 et al. It is presumed that the unfair advantage placed on this AFFIANT/Consumer by XXXX, XXXX, XXXX, XXXX XXXX, XXXX has most certainly affected many others, and should be resolved in a timely manner.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NC)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

Citi Group has made a decision to end its business relation with companies that engage in the manufacture, and or distribution of firearms and or firearm components that Citi Group has arbitrarily decided do not serve a legitimate public interest. As a client of said company and a tax payer, my resources are used to support Citi Group entities through FDIC and other safeguards where public and private money is used to benefit the interests of Citi Group. Citi Group, as a business entity which is the benefactor of public resources, should not be attempting to implement public policy. It should not engage in the practice of strong arming clients who are engaged in lawful, and Constitutionally protected commerce.
Consumer complaint received 2024-06-19
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. (VA)

I have recently reviewed my consumer report and found fraudulent accounts that I did not initiate, open, or authorize anyone to open these accounts on my behalf, which are a result of identity theft. FRAUDULENT ACCOUNT NAME- XX/XX/XXXXXXXX ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX XXXX XXXX ACCOUNT NUMBER- XXXX, DATEOPENED- XXXX, REPORTED BALANCE- {$330.00}. FRAUDULENT ACCOUNT NAME-XX/XX/XXXX, ACCOUNT NUMBER- XXXX, DATEOPENED- XXXX, REPORTED BALANCE- {$120.00}. FRAUDULENT ACCOUNT NAME- XXXX, ACCOUNT NUMBER- XXXX, DATE XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX, ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$0.00}. FRAUDULENT ACCOUNT NAME- XXXX XX/XX/XXXXXXXX XXXX ACCOUNT XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$2800.00}. FRAUDULENT ACCOUNT NAME- XX/XX/XXXXXXXX ACCOUNTNUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$20000.00}. FRAUDULENT ACCOUNT NAME- XX/XX/XXXXXXXX ACCOUNT NUMBER- XXXX, DATE OPENED- XXXX, REPORTED BALANCE- {$570.00}. I hereby affirm that I have no knowledge of these accounts, nor have I ever authorized anyone to open any accounts in my name or on my behalf. The presence of these fraudulent entries on my credit report is not only incorrect but is also damaging my creditworthiness and causing me undue stress and financial harm.
Consumer complaint received 2024-05-21
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. (LA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CT)

I opened a new savings and checking account with Wells Fargo Bank. After one week, i had almost {$20000.00} in my account. Opening a new bank account, my rights were violated and creamed. XXXX XXXX XXXX XXXX XXXX  in XXXX XXXX XXXX XXXX XXXX took money from the checking account with promises to give twice as much BONUS money. It never materialized and when i lost, it compelled me to recover.

I filed a legitimate fraud and mishandling of money claim with my brand new bank, Wells Fargo. My rights were violated and pummeled. I'm tired of banks saying they are for the consumer when all they care about is making money and lots of it and mammon.

Wells Fargo Fraud and Disputes representatives NEVER even contacted XXXX re my claim for violation of almost {$20000.00}. Wells Fargo violated my being and assaulted my checking accounts with fake promises of provisional credit to properly investigate the large claim and the works are in my favor.

Wells Fargo like all banks is a money hungry mammon feeding serpent which should recoup my {$20000.00} immediately or give provisional credit to properly investigate. My finding was XXXX was never contacted by a Wells Fargo banker at all.

PLEASE help me recoup my nearly XXXX XXXX and immediately for false advertisement by XXXX and vicious double charges by XXXX processor.
Consumer complaint received 2024-05-21
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. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX XXXX {$470.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX NAMES NOT RECOGNIZED XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased a vehicle 2 months ago and I paid the person with XXXX, and he assures me the car fine, I XXXX XXXX the car and it was perfectly fine, but after a couple of days a lot of issues started to happen and now the car is parked with repairs of more than XXXX, next 2 days I called and text the seller and never got a reply, and now my bank which is a bank of America is not helping me get my money back, please I need someone to help me. The amount is more than XXXX.
Consumer complaint received 2024-05-21
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)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (PA)

My loan is over 20 years old. I XXXX in XXXX. I have since paid over XXXX with my graduate school loans and have paid the majority of my XXXX loan with Nelnet. I XXXX XXXX XXXX in the XXXX XXXX from XXXX and then again in XXXX. I have tried calling and working with people but I am always denied. 


I do not think I should have to pay the remaining XXXX dollars. I have been paying on loans for over 20 years. I have paid off 2 out of the three loans I started. This in my only remaining debt. I have friends who were absolved of debt that was much larger than mine with less time. I have heard that after 20 years, I was supposed to get a letter. I have never got that letter. I am under suspicion that Nelnet is not legit because they are saying that it is impossible for me to get the remaining balance forgiven.
Consumer complaint received 2024-06-14
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

The existence of a derogatory rating on my account is a major source of concern for me. I am deeply troubled by its potential adverse impact on my credit. It has already led to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial strain and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-05-21
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. (TX)

On XX/XX/24 Reporting on Transunion XXXX XXXX # ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are showing they all did hard inquiries on my account which was not authorize by me. They inquired on my account without my knowledge or approval.
Consumer complaint received 2024-05-21
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. (IN)

I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.
Consumer complaint received 2019-02-09
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: Innovis (OR)

I have recently obtained a copy of my Innovis credit bureau report. This report shows in inquiry dated XX/XX/XXXX by XXXX XXXX XXXX XXXX. 

My Innovis credit bureau report has been frozen as allowed by the FCRA since XX/XX/XXXX. Although frozen, Innovis illegally allowed access.
Consumer complaint received 2024-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Onity Group Inc. (PA)

on mortgage statement balance does not make since -paid over 20 years and have the same balance as when i started- asked for clarification on the balance and there reply was they dont know -just pay the mortgage. please help my house should almost be payed off by now.
Consumer complaint received 2023-12-04
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. (FL)

I would like my credit report to be cleared of unauthorized credit inquiries. I got a copy of my credit report and saw inquiries on it that I had not authorized. Here is a list of them. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA FRAUD DEPARTMENT CASE NUMBER : XXXX This is my FIFTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT. 

I have summited all the required documents including : XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT XXXX ) PROOF THAT I WAS UNDER FEDERAL CUSTODY XXXX ) PROOF THAT I WAS RELEASED ON SUPERVISED RELEASE IN NEW YORK XXXX ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/XXXX XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car XXXX  set up a business when I was in XXXX XXXX and then a XXXX XXXX  and Probation/Supervised Release living in XXXX XXXX XXXX XXXX XXXX 

My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in prison and federal custody. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest. 

There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or Federal Prison and even while I was at the halfway house or supervised release without having to go through my Probation Officer. 




The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX, while I was under Federal Custody CASE NUMBER : XXXX I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account. 

I am also including on this filing, a copy my brothers passport, phone number, and an updated police report that was filed today documenting this case. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was a resident at the XXXX XXXX apartments from XX/XX/XXXX until XXXX XXXX. Due to my place being flooded and also due to constance maintenance issues at the apartment. 
My address was XXXX XXXX XXXX XXXX XXXX OH XXXX. I was constantly having maintenance issues, and constantly sending over request which sometimes took up to XXXX months to fix. I would come home and find the maintenance people in my home unannounced. The place was fully carpeted and I would come home to Mud tracked through the apartment. I have attached photos and I have attached documentation of these issues. On XXXX XXXX, XXXX I get a call that pipes in my unit had burst and there is water everywhere. I was not at home, but quickly arrived back to see the damage and it was bad. ( see pictures ), The place was not liveable not only was the ceiling hanging they had cut huge holes in the walls and cold air was blurring in my apartment. They refuse to re locate me to another apartment. I called an attorney to get counseling he advised me to request relocation, they said they had no other open units. Which was not true, I spent about XXXX days with no heat sleeping in my car/airport bathroom, I called code enforcement, he came out and spoke to office manager and he also advised me that It would be sometime before things got corrected, the fumes from the moldy walls began to make me sick and caused shortness of breath. I had to get out of there, the attorney gave them a notice in writing that I would be leaving due to the place being inhabitable. ( letter attached ).
Consumer complaint received 2023-12-30
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: Experian Information Solutions Inc. (AZ)

REVISED COMPLAINT : Credit inquiries by these companies that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX