davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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: EQUIFAX, INC. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I had a secured credit card with XXXX XXXX XXXX for about 10-15 years now and they changed the way you pay your bills online also online statements would not be updated without any notice, ie, email, call nor text. when I found out that the statements weren't accurate I started sending {$20.00} a month towards my credit card, which I barely even used, the annual fee was what I was paying. in XXXX they tried to send me a overpayment refund check, I told them to put my overpayment towards future bill payments. An representative told me I could request that, and I did. I got a notice that I was late paying my bill in XXXX or XXXX, but the website said I was current and had a credit. around XXXX they reported to the credit agencies that I had a 30 day late payment. Never recieved a email, text nor call before hand. they said I didnt pay a {$5.00} late fee. mind you I had {$150.00} - {$250.00} overpayment that was to have been used. l disputed it they said it was accurate, talked to reps but no one never spoke about my credit I had with them that was to have been used. long story short, I recently closed that account and they sent me a {$350.00} overpayment to my checking account. no one never addressed the fact that I was not late but overpayed my account so how could I be 30 days late when I had a {$350.00} overpayment refund issued to my checking account. My credit went from XXXX in XXXX to a XXXX in XXXX. and my other credit card limits from other companies were lowered because of that error. I worked too hard to get my credit right for this to happen.
Consumer complaint received 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (TX)

I monitor my credit report often as I am in the process of home ownership. 
I recently realized that I have a credit inquiry for the company listed below that I have no knowledge of and have gotten no where trying to dispute it. 
I did not approve of this and after some research, I've noticed that I am not the only person who's had this problem with the same creditor. 
I would like this to be removed from my report ASAP please. 

Institution Information XXXX National Credit Cards/XXXX XXXX  , FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (MD)

I am the guardian of property for my mother, a XXXX year old XXXX adult. 
She has had 3 CD 's at PNC Bank for many years. I renewed all CD 's at 0.75 % INTEREST rate on 3 different occasions from XX/XX/2018 to XX/XX/2018. 
PNC Bank reassures me that the interest rate will remain at 0.75 %. Then, someone at PNC changes the rate to 0.05 %. I did complain and they returned some of my mother 's lost interest in XX/XX/2018. It keeps occurring and they keep lowering the interest rate of return to near zero. They did it again in XX/XX/2018.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX. 
Account # : XXXX XXXX XXXX XXXX Account # : XXXX These Company is violating my rights According to the FCRA laws. I Request documents in my dispute. I didnt ask for the account to be verified I tried to Request multiple times to get documents so I can verify if the debt is mines. Experian failed to send Documents following their Investigation. It is a violation of the FCRA laws ( u.s.c 15 1681s-2 ( A ) ( 1 ) ( A ) And ( B ) to report inaccurate information on my credit report. Delete/Remove Accounts immediately.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-21
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. (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 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Subject : Complaint Regarding CFPB Case Numbers XXXX and XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to formally lodge a complaint regarding the handling of my case, identified by CFPB case numbers XXXX and XXXX. Despite my efforts to resolve the issues directly with the involved financial institution, I have encountered significant challenges and require your intervention. 

The crux of my complaint revolves around unauthorized deductions made from my Wells Fargo account ending XXXX, totaling {$31000.00}. These deductions were executed without my consent or knowledge, leading to severe financial distress and hardship. 

Upon raising my concerns with Wells Fargo Bank, I received a response dated XX/XX/XXXX, along with a signed application agreement. However, the response provided fails to address the key discrepancies and inaccuracies in their handling of the matter. 

The bank 's assertion that I am personally liable for the deductions due to my purported role as an owner/guarantor/signer on the account is entirely unfounded and erroneous. I wish to clarify that I visited the bank on XX/XX/XXXX, solely to open a new account, as recommended by the bank representative. At no point did I agree to assume personal liability for any loans or lines of credit associated with the account. 

Furthermore, the bank 's refusal to provide documentation regarding their research into the matter, despite repeated requests, demonstrates a lack of transparency and accountability on their part. This refusal to cooperate has only exacerbated the distress and uncertainty surrounding the situation.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The Original creditor has failed to show proof of the original signed documents ( CONTRACT ) for the vehicle. per the FDCPA and the Law of being granted XXXX  days to prove the original debt and my original wet signature. I did not sign anything therefor I want this taken off of all Credit reporting agencies. 

I AM SEEKING RESTITUATION IN MONETARY GAIN. I never signed any information or paperwork on any vehicle.
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (AZ)

SUNRISE CREDIT SERVICE has flagged your account as Collections.

Today SUNRISE CREDIT SERVICE has flagged your account as Collections on XX/XX/year>. 

Source : XXXX XXXX : SUNRISE CREDIT SERVICE Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$1300.00}
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (MI)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX RE : Account Number XXXX XX/XX/XXXX To Whomsoever it May Concern : Thank you for taking time to read the contents of this letter. I am writing this letter because I took notice that my most recent credit report comprises a paid closed account reported on XX/XX/XXXX for my XXXX XXXX Discover Bank account. 

I have been an customer of Discover since XXXX of XXXX, and I am contacting you to see if you be willing to make an " Good will '' adjustment to my XXXX, XXXX, and XXXX report. I had only one late payment in XX/XX/XXXX due to losing my job during XXXX XXXX. I have always been an excepional customer, and this negative inquiry is making it hard for me to get financing for a new home. I would like for you to consider deleting the negative inquiry from my credit report. I have been a happy customer in the past and hope I can continue that relationship with Discover Bank. 

Kind Regards, : )
Consumer complaint received 2023-09-07
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. (LA)

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (GA)

My debit card was fraudulently used for a transaction of {$140.00} back in XX/XX/XXXX. I didnt discover the fraud until a recent transaction was declined and my records showed a higher balance. I presented the fraud claim to Chime, they cancelled my debit card, which was in my possession, and said they would investigate. I filed the claim XX/XX/XXXXXXXX  and on XX/XX/XXXXXXXX  ( a national banking holiday ) was sent an email that concluded the investigation with no return of my funds. Chime did not investigate and refuses to return my money. I want a real investigation and my {$140.00} returned as I did not make that purchase. Apparently, based on an online search, this is Chimes modus operandi, in addition to closing accounts and not returning the funds to account owners. I want my money back and then I will be closing this scam account.
Consumer complaint received 2023-08-11
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. (SC)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} ; XXXX  XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-07
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: Experian Information Solutions Inc. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX  XXXX Balance : {$340.00} XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$320.00}
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was 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 that need to be investigated and corrected from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am submitting this CFPB Complaint in response to the recent investigation regarding my credit report. I would like to express my disagreement with the findings and emphasize the importance of ensuring complete accuracy in credit reporting. It is my concern that the investigation did not thoroughly address the matter of contacting the creditors and agencies responsible for the information on my report. As a result, I am reaching out to the Credit Bureaus for further clarification on the following items in question, specifically regarding the accountXXXX XXXX XXXX XXXX Balance : {$0.00} I need the Credit Bureaus to address the presence of charge-off account on my credit file that is still being reported despite having a XXXX balance. This account have been fully paid off, and I am formally requesting the Credit Bureaus ' investigation into this matter. The continued charge-off status is adversely affecting my credit score, and its removal would be greatly appreciated. I would like to draw attention to the fact that the company agreed to remove the account in question once it was paid off. I kindly request that the Credit Bureaus honor this agreement and take the necessary steps to remove the account from my credit report.
Consumer complaint received 2023-08-10
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. (NE)

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Consumer complaint received 2023-08-11
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. (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 XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX {$33000.00} XX/XX/XXXX BANK XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$860.00} XX/XX/XXXX XXXX XXXX {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX The Social Security Number XXXX is not mine, I do not have SS but ITIN Also the following names are not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 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 XXXX 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 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TX)

XX/XX/2022 PAYMENT XXXX they put on my credit report I was 30 days late which I wasn't they even removed the late payment I talked to about 20 people to resolved this but they don't care they haven't reported payments either to all 3 credit Bureaus even the amount still not accurate I asked them to please remove it it's stopping my home loan they said they will not. It shows I called to make a payment but the phone teller didn't post it so its not fault I called back in notice the money was still in my account but I called back in they posted it the lady apologized to me. She said I see she forgot to hit some button to post.
Consumer complaint received 2023-05-06
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'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$960.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.