davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
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. (TX)

I am writing to follow up on my previous notice sent on 45 days ago from the date of this letter, regarding the dispute of certaininformation in my credit fi le. I am specifi cally addressing the fraudulent information listed below as a victim of identity theft ; See Fraudulent Collection Account Summary below.
Consumer complaint received 2024-02-07
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. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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
Consumer complaint received 2023-08-28
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. (AZ)

Equifax is showing I have 3 student loans as active with XXXX XXXX XXXX, when the servicing company changed over a year ago. Both XXXX  and XXXX have reported the accounts as closed with a {$0.00} balance. I have provided the transfer letter from the previous servicing company. Equifax refuses to report them as closed with a {$0.00} balance. When I inquired why they state they spoke with the previous servicing company and were told the account was still open with a balance. When I call the previous servicer they state they have not been contacted by Equifax and that my accounts with them have been transferred and they do not have any outstanding balance.
Consumer complaint received 2024-02-07
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-11
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. (WV)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-10-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tate and Kirlin Assoc (TX)

I have spoken with someone from Tate & Kirlin who have purchased a debt ilegally. According to 15 USC 1692g they can not sell a debt and no one can purchase a debt and come after you for it. They have violated my rights by buying and selling my information. I have not sign any agreements or enter any contract with this company nor did i give them any of my personal information. I would like a cease and desist on all forms of contact from them.
Consumer complaint received 2023-10-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed monthly XXXX charges hitting my Merrill Lynch credit card in the amount of {$59.00} after 4 months of getting hit wit these charges. I tried to phone XXXX  to track why I was getting charged as I couldnt see an open membership account with them although I had done business with this merchant before. The rep offered no information or assistance so I went to Merrill Lynch and asked for help in disputing the charges. The rep took all of my info, said it would be submitted. A while later, I receive a letter from Merrill asking me to author a letter to them detailing how I was a victim of identity theft. I phoned Merrill and said it was not id theft but a simple billing dispute. The rep said no problem, took all the info again via phone. 1-2 weeks later, I receive ANOTHER letter from Merrill asking me to essentially author another letter to them detailing all the info they already had received from me ( twice ). I tried to phone the number on the letter. The department said they were not the ones handling it, they kept sending me to another and another department, each time on hold for 2-30 minutes in the queue until they hung up on me eventually. I tried phoning over the course of 3 days, approx. 30 times and this occurred each time. My husband is experiencing EXACTLY the same with Merrill Lynch credit card dispute - letter, oh, wrong department, we don't handle, wait in queue, get hung up on. I just closed my account, I have lost {$240.00} in charges that they charged back to me that I had to pay to close out with them. There is something evil going on here.
Consumer complaint received 2023-03-21
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. (WA)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2024-01-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I used to share a Chase checking bank account with my ex girlfriend. The account apparently subsequently closed without my knowledge due to an extended overdraft sometime in XXXX. In XX/XX/XXXX I walked into a Chase branch in XXXX XXXX XXXX to open my own personal checking account. The account was open. However, I was never able to gain access to online banking as the representative at the branch said it seems to be a technical issue and he will make sure its fixed and contact me to grant me access. 

I was mailed my debit card and account documents on XX/XX/XXXX. During the account opening, I was also approved for a Chase Freedom credit card. On XX/XX/XXXX, Chase sent a subsequent email to tell me the newly opened account was restricted to protect against potential fraud and that the account may close soon. I called several times and they were never able to disclose why and said it was at their discretion. 

On the other hand, they never closed the credit card and it remains active 6 months later. Though I wasnt allowed to maintain a checking account with them, they found it okay for me to hold a credit card. The worst inconvenience is that I am not even allowed online banking for my credit card to this day. I have accumulated rewards points that I can never use. Every payment I have to make on my card has to either be done inside a branch or at an ATM since I have no online access.
Consumer complaint received 2023-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (OH)

To Consumer Financial Protection Bureau, I writing with a complaint on Navy Federal Credit Union, and to make you aware of a practice that should be looked into. 

I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/XXXX XXXX Based on this open dispute Navy Federal put the following comment on my credit bureau reports twice : Account information disputed by consumer, meets FCRA requirements. This statement caused my XXXX credit score to drop XXXX points from XXXX to XXXX. Additionally, the XXXX and XXXX credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, the statement Navy Federal put on my credit bureau file was punitive. 

I sent two messages to Navy Federal, however, Navy Federal was no help in resolving the situation it caused. Everyone I spoke or wrote to at Navy Federal said, that its the credit bureaus problem not theirs. However, I believe Navy Federal should understand how each statement they put on a members credit bureau file, will impact the members credit score. They should know if it will have a positive or negative impact and they should put a statement on the file that mirrors the situation. Additionally, they should listen to what its members are saying so that they understand what is happening. 

I contacted each Credit Bureau and they listened and looked at the situation, and knew that my scores should not have dropped. They removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. Then once again Navy Federal put the statement on and my XXXX credit score is back to XXXX. Additionally, the XXXX and XXXX credit scores are XXXX to XXXX. I want my credit scored back to XXXX. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I am writing to inform you of the inaccuracies being reporting to XXXX XXXX, XXXX and XXXX credit bureaus. NAVY FEDERAL CU is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
NAVY FEDERAL CU inaccurate reporting has damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something The information being reported for this account does not match between the three agencies, and the discrepancies are as follows :
Consumer complaint received 2023-09-19
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. (VA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$720.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$4100.00XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX : {$550.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$720.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX XXXX I received an alert via text verifying a purchase at XXXX XXXX. I told them no. There was also a charge for XXXX from XXXX XXXX XXXX XXXX right after that too. I told them no to that charge too. They asked me if I had ever been to XXXXXXXX XXXX I said no and I didnt know what it was. They asked if I had been to the XXXX XXXX XXXX XXXX. I said yes but not that location. I googled XXXX XXXX XXXX says they are in XXXX XXXX area and now I know they also have a galleria location and XXXX XXXXl too. Its an apparel store and the other is an ice cream cookie store. 

I called the WF rep. and began my claim. They reversed the money and credited my account. I got a series of emails almost daily saying they are looking into my claim. 

Last XXXX XX/XX/13 I was on my way to get lunch w family and then I saw my account was negative because they reversed the claim. They pinned the XXXX charge ( {$180.00} ) on me. They never reversed the XXXX XXXX XXXX for XXXX i was credited for that, This was my day- on wed XX/XX/XXXX. I just received my pay check from my XXXX XXXX job direct deposit. I was on my way to my XXXX job at a XXXX XXXX when I stopped at a XXXX XXXX XXXX  on XXXX XXXX and swiped my wells fargo debit card outside. I then went to work and worked XXXX then went to my XXXX appt at XXXX in XXXX XXXX XXXX XXXX. After my appt. I swiped my WF debit card at the XXXX parking garage for {$7.00} around XXXX. Then I headed home and stopped in XXXX XXXX to get something to eat and that's when I was alerted there was a charge at XXXXXXXX XXXX the transaction showed it was used around XXXX. I believe my card was copied at the gas station pump among several other cards robbed that day and then duplicated and then used to shop and steal from me. Prior to the gas station, all previous transactions were mine, but not XXXX XXXX and XXXX XXXX XXXX. 

After my lunch wed XX/XX/XXXX  I was livid. I spoke w Wells Fargo rep and they said they " ruled '' against me basically and that was it. I questioned their " investigation '' and they had no more feedback for me. I can not believe this is how they handle their customers!!! Their investigation was awful too I actually swiped my card in the med center parking garage and XXXX XXXX XXXX XXXX XXXX and can prove this while the thieves were shopping on my dime. Wells Fargo expects me to be a victim twice.
Consumer complaint received 2024-02-05
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-22
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: Experian Information Solutions Inc. (CA)

I wish that the following items be updated or deleted. This incorrect information are affecting my Credit Record and Score. Please verify the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXXXXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$5600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (OH)

i got a pos vehicle with a loan provided by credit acceptance corporation in XXXX, the vehicle had issues immediately i spent XXXX  on repairs and vehicle didn't even last 6months. i voluntarily gave the vehicle back to the lender. credit acceptance corp proceeded to get a default judgement against me 6 years later in XXXX  and proceeded to get a revivor on that default judgement in XXXX  they have been attempting to collect XXXX for over 20 years through this default judgement. they are a predatory lender that preys on the lowest income people in american society. i have been XXXX since XXXX  and am unable to ever pay this money. i previously filed a complaint with cfpb regarding this issue and a XXXX XXXX of credit acceptance corp reached out to me and stated the company was officially closing my account and would be filing in XXXX XXXX ohio municipal court to dismiss the default judgement against me and that the company would be mailing me documentation of this. i have not received any documentation from the company and no motion to dismiss default judgement has been filed. i reached out to their attorney at XXXX  XXXX and XXXX in XXXX ohio regarding when they would be filing motion and they stated they were not aware of credit acceptance corp closing account and dismissing default judgement and they would reach out to them to verify this and get back to me the attorney never responded back to me. i want to ensure that credit acceptance corp follows through and closes my account and that they get this default judgement against me dismissed and would like verification from the company that the account has been closed and the default judgement has been dismissed.