davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

From inception of the vehicle purchase the finance company has been allowing XXXX and of the XXXX family to unlawfully credit their account with XXXX  XXXX of the XXXX family is not of the federal reserve & does not have the qualifications to use sed notes, including rendering down payment in addition to the monthly notes for the XXXX XXXX XXXX starting from XX/XX/XXXX. 

The Correct tender has been sent to said party to correct for set off XX/XX/XXXX Change of Terms letter was registered mail to Citizens Financial Group Inc XX/XX/XXXX Letter of Instructions were registered mail to Citizens Financial Group Inc. 

XX/XX/XXXX 1099a filing to the IRS was accepted
Consumer complaint received 2023-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (IL)

Hello, I have requested for deletion of this debt several times and have been denied several times. The information that was provided to me does not match my information. I am able to provide photo ID or my birth certificate to prove that the information is incorrect. Therefore it is not mine. I need this gone please.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (NV)

I have no knowledge of these hard inquires showing on my account. The hard inquires are a result of an identity theft and it must be removed. as per 15USC 1681 C2. 

XXXX XXXX XXXX XXXX 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 2023-10-05
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX 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 2024-04-10
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: EQUIFAX, INC. (FL)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my XXXX XXXX. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-10-21
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. (NY)

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07
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: Experian Information Solutions Inc. (LA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX  Please remove it from my credit report.

1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, LA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credit Technology, Inc. (NV)

I have no knowledge of these hard inquires showing on my account. The hard inquires are a result of an identity theft and it must be removed. as per 15USC 1681 C2. 

XXXX XXXX XXXX XXXX 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 2023-11-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

I, XXXX XXXX and my XXXX XXXX XXXX XXXX has been doing business with XXXX XXXX XXXX for over twenty years. An email from the owner ( XXXX XXXX ) stated in an email that the company had changed the receivable procedures and requested that I send a wire transfer for the balance of {$21000.00} owning on the XXXX XXXX. I had obtained a XXXX XXXX XXXX to satisfy this payment because the client still had not paid their receivable to me. 
The request was a follows : Beneficiary Name ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Wells Fargo Bank, XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX Routing Number XXXX Account Number XXXX The wire was sent on XXXX from XXXX Wells Fargo XXXX XXXX XXXX to the Wells Fargo bank listed above : Amount {$20000.00} Fees {$25.00} Send on XX/XX/XXXX Deliver by XX/XX/XXXX Message to recipients bank : XXXX XXXX dollar wire transfer fee deducted from total due Status Pending Confirmation : XXXX On XX/XX/XXXX, I called XXXX XXXX XXXX enquire receipt of the funds. He never got them because the email was fraud : XXXX. There was an extra T in his email address. This was a compromised email address. 
There are the following reports filed : XXXX, Police report XXXX REPORT : XXXX The FBI ARE ALSO NOW INVOLVED WITH THIS Wells Fargo has XXXXdvised that my funds were taken by a mule monier, and the wells fargo bank could obtain a refund of the {$20000.00} from the beneficiary bank. 

MY COMPLAINT IS THAT THIS WIRE WAS FROM A WELLS FARGO ACCOUNT TO A WELLS FARGO FRAUD ACCOUNT, AND WELLS FARGO SHOULD HAVE CAUGHT IT! 
XXXX XXXX XXXX  OPERATES THEIR BUSINESS FROM A WELLS FARGO ACCOUNT. 

THE Wells Fargo BANK HAS INSURANCE FOR THIS, AND I AS A CUSTOMER FOR 30 YEARS, WAS NOT REIMBURSED FOR SOMETHING THEY SHOULD HAVE CAUGHT.
Consumer complaint received 2023-11-18
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. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NC)

So a while back in 2022  I had open up a gym membership with XXXX XXXX and few months later i had went to cancel that membership since i was moving close to another gym ( XXXX XXXX ) and they told me okay and they claimed they did so i just went about my life ever since. Now current day i had received i have a collection from them of {$900.00} and it dropped my credit XXXX points which is huge and i never been emailed or mailed anything since i left that gym about my membership still charging me or anything since they told me that they stop my membership which i know is totally not right since i been getting charged unknowingly since 2022 till they had recently closed earlier this year.
Consumer complaint received 2023-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

I deposited two checks on Friday XX/XX/17 and they were put on a 12-day hold with a reason of " Check Was Not A Payable Item ''. I asked for an explanation as to why a check was not a payable item and they would not explain why the check was unacceptable. They told me to have the maker issue a stop payment and try again but if I do that they will issue an identical check with just a different check number. That will likely get rejected again. I need them to tell me what is wrong but they refuse to do so which is outrageous, awful service and indicative of a wanton disregard for the suffering of a client. Wells Fargo should be penalized by their regulator for this oppressive and abuse behavior and I will certainly recommend to everyone I know that avoiding Wells Fargo is a good idea.
Consumer complaint received 2018-05-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My information on my BOFA account was compromised on XXXX at approximately XXXX and XXXX in the amounts of {$500.00} and {$700.00} respectively. I immediately called the Fraud department at BOFA at XXXX and was told that the transaction ( s ) had already gone through ( Via XXXX ) and I couldn't do anything about it.They told me to call back Monday morning. 

I called back Monday morning and opened a fraud claim. They told me they would put a freeze on my account and to change my online password and online name. They also told me to close my accounts. I logged in and changed all of the info. I also went to the bank the next day and closed down my old account and opened a new one and transferred everything across. 

I also changed all my direct deposit info and such. 

I then get a letter saying my claim is denied because my the money was sent from my log in. I called them back and told them I did all that they wanted me to do and why would they deny it? They said they would allow me to appeal it. 

I have been with BOFA for 25 years and have a significant amount of money in the bank with them. Has anyone experienced this? Is there anything else I can do? If they deny it again ( which I am sure they will ) then I will be forced to close my account and bank with someone else. 

Do I have any options? 

XXXX
Consumer complaint received 2023-07-14
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. (PA)

Hello, I've been a victim of identity theft. My personal was stolen. I noticed XXXX XXXX that I have incorrect/ fraud hard inquiries on my credit report. The company reporting this is XXXX. The incorrect hard inquiries listed are Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit bureaus fail to delete a bankruptcy account listed on my credit report stating that the public record was verified by a third party, XXXX XXXX. I called XXXX XXXX to check why they are still verifying an account that they delete from their record because they cant verified their accuracy more than a year ago. They state that it was deleted from their verified files but still remain in the unverified files. I requested they delete it from the unverified file and send me a new corrected copy of my record. They delete the file on XX/XX/2023 and send me a copy of my file corrected, but still show in my record with your Bureau. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning the accounts that you are reporting in my credit report.

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. the [ FCRA 623 ( b ) ( 1 ) ] ( FCRA 15 U.S.C. 1681i, al inaccurate, incomplete and unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on your file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
If you dont investigate and respond.
Consumer complaint received 2024-04-10
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: EQUIFAX, INC. (MD)

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Consumer complaint received 2023-07-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX . 
Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX . 

Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX  Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX Reported 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
Consumer complaint received 2015-07-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OH)

nationstar mortgage reported that I have been XXXX days late. That is NOT TRUE. They misapplied monies paid to principle rather than toward payments. They have corrected it but now they need to get my credit reports fixes ... .IMMEDIATELY!
Consumer complaint received 2023-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (TX)

For years I have been disputing a credit card charge I never opened. It was finally removed from my credit report after seven years. 
Midland funding sent me a letter threatening to garnish my XXXX funds. 
I need help to make this company understand I never opened an account with them.
Consumer complaint received 2023-10-21
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: ROBINHOOD MARKETS INC. (NY)

My Robinhood account was hacked, with the company themselves admitting to a database breach, the hacker ordered a debit card provided by Robinhood and proceeded to withdraw all the funds in my account to the debit card while locking me out of my account and changing passwords. Ive messaged and called Robinhood for exactly 30 days and once they got back to me they refused to give me any information and refused to reimburse my stolen money of XXXX XXXX 
After getting back into the account I saw some of the local purchases thief made
Consumer complaint received 2023-07-13
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. (OR)

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (SC)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-18
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DK Auto LLC (GA)

I recently went to purchase a vehicle from DK auto and was told that I would pay no more than XXXX on down payment so once I got there completed application I was told XXXX down after the paperwork was printed the salesman tells me I would have to pay an additional XXXX in pick up payment which wasn't said in the beginning ok so we do paperwork after I left the lot not even a hour check engine light come on a call to inform them was told to keep driving and it should go off still didn't called and was told to come in so they can look at it I did they put a gas treatment in and told me to drive some more I did light never went out I called a week and a half straight no answer sent text nothing until the pick up payment was due that they added on i reached out to let them know that I could not make the payment that soon no answer they repo the car that I haven't even had nothing but XXXX weeks leaving me to loose my job I feel scammed this not right other consumers have reported similar issues and nothing has been done about it time to take action
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX reported inaccurate information on my credit file and shared it with XXXX and Experian. Attached you will find the letter from XXXX XXXX clearly stating the Bankruptcy in the Public section is unverifiable. Also, XXXX advised the data being reported as unverifiable. Please have them to XXXX and Experian remove the inaccurate data immediately. Attached you will find the letter from XXXX XXXX, FTC file number XXXX, letter from U.S. Courts.