davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-30
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2021-10-16
Product: Credit card or prepaid 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 (CA)

On XX/XX/2021 I purchased an item in the amount of {$380.00} on my Apple credit card from XXXX. Although my tracking says it got delivered on XX/XX/2021, the package never got delivered. No signature for the package was required. I immediately filed a dispute with Apple, XXXX XXXX XXXX. I also had my landlord check the security cameras and no one entered my building on the day and time of the " delivery. '' When I file the dispute, Apple takes the charge off my balance, then when 60 days ( 2 billing cycles ) go by, they add the charge right back to my balance, which in turn makes me call back and have to explain my story all over again. They then file a new dispute and temporarily take the charge off and the cycle goes on and on all over again. Finally, in XX/XX/2021, Apple asks for any proof that will help the dispute when I contact them. I send in a text communication thread between me and my landlord asking him to check the cameras and him telling me no-one entered the building thru the apple wallet app. I've spoken to XXXX, Apple and XXXX, all representatives are horrible. No one is helpful. Including management. I feel like I'm at a dead end. XXXX and XXXX sends me back to Apple. This has been a nightmare to say the least and this is abuse to customers. Again, this has been going on since XX/XX/2021.
Consumer complaint received 2024-04-19
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. (GA)

I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions. 

The inaccurate account entry is as follows : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX self XXXX. XXXX  The reporting of these accounts have held my life back for 2 years now. I am not being approved for anything by lenders, I can not expand my finances or even find a nice place to live all while being a single parent. The effects these accounts are having on my life are becoming more, and more detrimental.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

It is almost close to a year that I have been disputing with Experian to remove a fraudulent address XXXX XXXX XXXX XXXX XXXX, ca XXXX. I never lived there and whoever has my identity keeps trying to apply for credit under my identity. Experian has not even send me any letters or completed investigation results.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I submitted information to all equifax about 3 bankruptcys on my report that were removed months ago and now have been readded as of today XX/XX/2018 there was no written notification again which i did not recieve! There is nothing on my account that ties these bankruptcies to me and they were deleted by Equifax, i was only able to find proof of 2 but all 3 were deleted!! Bankruptcy # XXXX, # XXXX, # XXXX. I would like for these to be deleted as soon as possible and a new credit report sent to me as soon as possible. This is very stressful and very woresum for me!! I'm in the middle of purchasing and for this to be added back to my account and they were deleted can cause all kind of problems! How am I able to trust a bureau with my important information. I worked hard for my credit and Equifax need to be more careful about what they are doing and how they are handling my credit.
Consumer complaint received 2023-08-30
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. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am very frustrated with the lack of access and control I have over my TransUnion credit report. Even after completing their authentication verification process, I am still unable to view or manage the information in my credit file. This is unacceptable, as consumers should have full visibility and control over their own credit data. The process of obtaining and reviewing my TransUnion credit report has been needlessly difficult and obstructive. I demand that TransUnion provide me with immediate and unrestricted access to my complete credit information as is my legal right.
Consumer complaint received 2024-02-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (MI)

Dear CFPB, I am writing to file a formal complaint against Wells Fargo for wrongfully closing my credit card account in XX/XX/2023. Despite being a responsible customer who has never missed a payment, I found my account closed due to a payment issue that arose from a fraudulent incident. 

On a Thursday afternoon in XX/XX/2023, I made a payment of 25 % of my credit limit, believing all was in order. Unfortunately, my check bounced due to fraud, leaving the funds unavailable. Five days later, after resolving the issue with my bank and reapplying the funds to my Wells Fargo credit card before the due date, my account was abruptly closed by Wells Fargo 5days after the payment did not clear ( 5 business days, not 5 weeks not 5 months, 5 business days ), citing misuse of the card. 

Wells Fargo claimed that a {$2000.00} payment in XXXX and a {$50.00} payment in XXXX did not go through. However, aside from the {$2000.00} payment affected by fraud, my payment history has been impeccable. I even have a mortgage with Wells Fargo, underscoring my reliability as a customer. 

Despite my efforts to rectify the situation and plea with Wells Fargo to reconsider, they declined to reopen my account, causing a significant drop in my credit score by XXXX points across all three credit bureaus. Furthermore, the closure of my cash back card meant that {$25.00} in cash back rewards remained unapplied, which I rightfully earned. 

In light of these events, I am deeply troubled by Wells Fargo 's actions, which have not only damaged my credit but also left me feeling disregarded as a valued customer. Given the impact this has had on my financial standing and the apparent injustice of the situation, I am seeking the intervention of the Consumer Financial Protection Bureau to address this matter and seek resolution. 

I appreciate your attention to this issue and hope that your intervention can help rectify the situation. Thank you for your time and assistance in advance. 

Sincerely, XXXX
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

first for most I respect and honor our promissory notes to pay Aidvantage. my reason for filing a complaint is, the DEP/AIDV accounts that are XXXX years old are to be deleted permeant. Aidvantage states that I only asked for delinquencies to removed but i demanded more than that I also stated for all accounts over the XXXX-year age limit be deleted. On XX/XX/2023 you received a letter address to you on the envelope but on paper addressed to XXXX about the furnishing of your account data information on me. on XX/XX/2023 an investigation was filed by XXXX. The investigation results came back with the information of Deletion of XXXX DEP/AIDV accounts. On XX/XX/2023 NEW ACCOUNTS were furnished onto my consumer report without my knowledge. XX/XX/2023 another dispute letter was sent out and your Aidvantage invesitgation shouldve sent me results of the invesigation, only one sheet of paper was sent explaining to me nothing of what results came about after my dispute. it was intentional and misleading. The accounts that were furnished on XX/XX/2023 have the same amount of the investigated deleted accounts. you have violated my rights as a consumer FCRA 605 ; 15 U.S.C 1681 ( c ) ; 12CFR 1006.30a. my affidavit of truth is attached to my earlier complaint through CFPB. I appreciate your response, but this response does not legally refute any of my claims in my affidavit. and all documentation to support this claim I have and are attached to the complaint.
Consumer complaint received 2018-12-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (MD)

I have been paying this loan for more than a year and the principal has not changed. I borrowed {$2000.00} and have paid {$4600.00} into this loan to date. 
When I called about this, the company said I could increase my payments if I wanted to pay it off faster. The company keeps changing the amount deducted, reducing it so that no principle is paid, just interest fees.
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: UMB FINANCIAL CORPORATION (CA)

On XX/XX/2018, I received a Visa/Debit card by mail. It is identified as being a XXXX Spending Account Card. The paperwork shows the card to have been issued by UMB Bank. This card was not requested, not wanted, and I had no knowledge of his account before the card arrived by mail. 

On XX/XX/2018, I called UMB Bank at the number provided, XXXX. They refused to provide any assistance unless I give my full Social Security Number. Already suspecting fraud, I did not give any part of my SSN but insisted that they find the account by my name or the credit card number. They declined to offer further assistance, but said the account must have been opened by my current of previous employer. My current employer confirmed that they had no part in it, and its been 18 months since I worked for my previous employer. 

On XX/XX/2018, I called UMB Bank again and spoke to XXXX. He refused to provide any information about the account, but suggested that I call XXXX. When I called the number suggested, I spoke to XXXX who said that she was with XXXX, the payroll company. When I explained the situation, she immediately assumed that I would not want to give my SSN and she found the account by my name. But she had no information about why the account was opened, except that it appeared to her to be a spending account, perhaps an XXXX. ( Ive never had an XXXX account. ) Still, she could not say who requested or authorized the account to be opened in my name. 

My credit reports have been frozen with each of the three credit agencies since before this card arrived. In the meantime, I have an unwanted card opened in my name with no explanation and no ability to close it.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- COVID-19 Relief PENNYMAC LOAN SERVICES Loan number XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

THE REINSTATEMENT BALANCE PAYMENT HAS BEEN SUBMITTED AND ACCOUNT IS NOW IN CURRENT STATUS My name is XXXX XXXX and I am writing this letter in hopes of removing late payment from my credit report. I am currently going through a divorce. We separated in XX/XX/2020 because of the negative impact XXXX had on our marriage. Due to us being in the XXXX, we both were affected in negative ways. From the constant change in scheduling, to the disagreement in beliefs of the vaccine, to being XXXX in short notice it cause a terrible fall in our marriage. When he finally got fed up and moved out he completely stopped supporting the bills which in turn left to pay all the bills and then some .I just recently submitted a payment of $ XXXX to have my account reinstated. I am in a better place financially and will no longer have issues making any payments.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went after my old bank account without permission to collect a debt that was written off from Discover. Whether the debt is owed or not. You do not have the rights to go after my bank account. Im not really trying to hear anything about my bank being garnished, especially when I didnt receive anything in the mail about this. If this company really exists I shouldnt be obligated to pay more than half of the entire debt. Every time I call them to speak to someone Im left on hold
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

I have been disputing this account since XX/XX/23. XXXX have not authenticated nor have done correct investigations for this account and it is still impacting my credit negatively. Another credit reporting agency did do a proper investigation and showed this should not be reflecting on my credit file. I have called, submitted online and done everything on part to prove this account does not belong there.
Consumer complaint received 2024-04-19
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-08-30
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. (NJ)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 


XXXX XXXX
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Hi, I was on Covid forbearance with my FHA mortgage through XXXX XXXX During Covid forbearance they were not supposed to report any late payments. When my time was up I did what they asked and started the process to remove myself from forbearance and restart the regular loan. While we were doing the process and I was waiting for them to approve everything they marked my account as late. It took them 2 months to get everything resolved on their end and they marked my mortgage late 30 days then 60 days. They told me that theyre allowed to do that while they were removing me off of forbearance, no matter what. They said anybody moving off of forbearance would be marked as late while they were removing them off of forbearance. It didnt make any sense to me. Now my credit is ruined for something I was told wouldnt happen if I went with the forbearance option during Covid. 


I also want to note that the first representative I spoke to gave me false information and tried to scare me. He implied that I was going to lose my house and he didnt offer me all of the options I had available to me. When they I totally approved my removal from forbearance they approved it with an offer I never asked for or approved. I then had to talk to someone else to get the right option approved of. This delayed the whole process and caused the payment to become 60 days late. 


I asked if I could make payments during this period to not be late and they told me I couldnt unless I paid the whole balance that wasnt paid during Covid forbearance. 


I felt extremely lost, anxious and really tricked during this whole process
Consumer complaint received 2023-09-22
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)

On XX/XX/XXXX I submitted documentation ( FTC Identity Theft Report, Police Report, and Statement with clear identifiers ) that stated that XXXX XXXX XXXX account opened on XX/XX/XXXX with account number XXXX was opened by someone else that was not me due to Identity Theft. Transunion, XXXX, and XXXX refuses to remove the account despite clear evidence booked by the XXXX XXXX Police Department stating that the account was opened due to Identity Theft. XXXX already removed the account from my report due to Identity theft. Transunion & XXXX did not provide me with proof that the account was opened by me or any information as to why they will not remove the account. 

On XX/XX/XXXX, I submitted additional information to support my claim of identity theft ; including a signed document from the In-patient ( meaning I as a patient was not allowed to leave ) during the time that the car loan was opened in my name. There is no viable way that I could have purchased/ taken out a car loan since I was enrolled in this inpatient clinic at the time. 

XXXX still refused to remove the account and gave me no new reason why- I am attaching completion letter from facility stating that I was in their care during that time, also the police report, and carmax affidavit again.