davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-04
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX My SS is XXXX My phone : XXXX Please remove all other variations of my personal information. 

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH 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 2024-05-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (GA)

I opened an account over the phone and enrolled with a checking bonus offer of {$300.00} I completed everything on ( XX/XX/XXXX ) to be eligible to receive my bonus which was confirmed by multiple representatives at Citibank. I was told by a supervisor that the money was supposed to be deposited into my account on or around XX/XX/XXXX. Almost 10 days later I called back and they told me they have no idea what happened to the bonus, and indeed confirmed that It was supposed to be deposited in my account by now. Supposedly Citibank has had an issue honoring their word and delaying paying out the bonus to qualifying members.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (WI)

CHEXSYSTEMS is reporting innacurate information on my consumer report. I asked for documentation from CHEXSYSTEMS verifying the allegations from the institutions on my consumer report. CHEXSYSTEMS have failed to correct the problem and did not provide valid documentation to verify these negative remarks on my report.
Consumer complaint received 2024-04-09
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 writing to express my deep disappointment and frustration regarding the ongoing presence of fraudulent items on my account, despite several attempts to have them removed. Regrettably, I must bring to your attention the fact that this is now the third attempt to address and rectify this issue, yet the problem persists. 

It is unacceptable that despite multiple attempts to address this matter, the fraudulent items remain on my account. This recurring failure to effectively resolve the issue reflects poorly on your company 's commitment to customer satisfaction and raises serious concerns about the adequacy of your fraud detection and prevention measures. 

I demand immediate and decisive action to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY (TX)

Original SBA Loan amount {$730000.00}, Wells Fargo was the lender. XX/XX/XXXX. I went out of business in XXXX and had a buyer for the XXXX XXXX XXXX but Wells Fargo would not let us proceed with the sale. XXXX XXXX, the vice president who was supposedly helping me went so far as to say any monies the buyers would pay had to come out of a Wells Fargo account. And when she almost agreed to the contract she backed out, saying she wasn't sure the new owners would be successful. But they were not asking to borrow money from Wells Fargo so it was just not related. 
They moved to foreclose on the property. 
I asked the SBA if they could tell me how I owed. They told me my lawyer would have to get that information from Wells Fargo. Wells Fargo would not give us information about how much we owed or the fees they were charging. The SBA does not offer assistance to lenders, just the banks. 
We offered Wells Fargo {$850000.00}. They did not accept the offer. 
Wells Fargo would not tell us how much we still owed on the XXXX XXXX XXXX and Wells Fargo foreclosed on XX/XX/XXXX. They told my lawyer they would not foreclose on my husband 's ranch until after the XXXX XXXX XXXX sold. 
Wells Fargo reported to my lawyer XXXX XXXX that they sold the XXXX XXXX   for {$590000.00}, leaving a deficiency of {$210000.00}. This was given to my lawyer verbally with no details or proof or paper work. I find this astonishing that they refused {$850000.00} and now are allowed to foreclose on my husband 's ranch. 
Now we find out they have a contract to sell the XXXX XXXX XXXX  for " about 800,000 '' according to the buyer. So they will get my husband 's ranch for free, with 65 acres in the Texas XXXX XXXX with a spring fed creek, fenced and cared for by XXXX 's family for over a hundred years. We thought it was safe because we knew the child care was worth more than we borrowed. XXXX XXXX agreed. 
I didn't apply for this loan but I did everything XXXX XXXX, award winning closer, told me to. I told her I had XXXX XXXX, XXXX. She was so sweet on the phone and told me she would help me every step of the way, that I would be a big success. Then when I called her after the closing she told me not to call her again. Her letters and emails were very rigid and business stuff, but her calls were very sweet until I closed and signed everything over.
Consumer complaint received 2024-04-09
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)

I have items passed on that should be taken out or blocked. 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
Consumer complaint received 2024-04-09
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. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$380.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$810.00}
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my XXXX bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$3600.00}
Consumer complaint received 2023-04-08
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. (SC)

The credit reporting agencies are reporting XXXX acct. XXXX as delinquent on my credit file. A settlement agreement was reached and this account is paid in full ( see attached letter from XXXX XXXX XXXX ).
Consumer complaint received 2023-05-07
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. (GA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Account XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (MD)

On XX/XX/XXXX I made a monthly payment to BMW financial services for my XXXX BMW XXXX in the amount of {$500.00} though the BMW customer account website. The money was drawn directly from my bank account on XX/XX/XXXX. On XX/XX/XXXX BMW financial services illegally drafted additional funds from my bank account in the amount of {$560.00} and applied it to my BMW account, that money cleared my bank account on XX/XX/XXXX. I did not authorize this transaction. I I have spoken to numerous supervisers with BMW financial services Advising them of the overpayment for this month and requesting a refund. I have faxed and emailed information from my bank showing both transaction cleared my bank account. I spoke with XXXX XXXX ( manager ) XXXX XXXX ( customer service advocate ) and received an email from XXXX XXXX XXXX ( chief operating officer ).  As of today XX/XX/XXXX I have not received a refund. I have never made a late payment or had funds returned and I am upset that the managers all refuse to return my overpayment amount that they illegally obtained.
Consumer complaint received 2024-04-09
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. (NY)

I reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on date of XX/XX/23. Please investigate and provide proof with statements showing this payment was late. If proof can't be provided I demand this payment be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-10-10
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I looked on XXXX XXXX and noticed a new hard inquiry from kohls and I did not apply for the credit card. I called customer service and they said they would cancel and close the account and have not done so yet. The customer service agent said that the fraud department would call me and they have not up to this point
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (OH)

I provided two securities via registered mail to Discover Card. Not only was my interest not electronically transferred to my XXXX account, but my credit report does not reflect the payments they have received. According to UCC 3-604 due to their neglecting to process my payment and failure to return said securities I have discharge and I am no longer indebted to Discover.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My information with equifax has been breached. Attached you will proof of the data breach affecting my personal information. Equifax refuses to delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
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)

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 2023-05-11
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. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-04-09
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)

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-04-14
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: Experian Information Solutions Inc. (CA)

THE FAIR CREDIT REPORTING AT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 SECTION 6 602 EIGHT STATES THAT HAVE THE RIGHT OF PRIVACY ALSO 15 USC 1681 SECTION 604 A SECTION TWO I ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH THE ACCOUNT WITHOUT MIGRRANT INSTRUCTIONS USC 1681 C85 SECTION STATES NO CONSUMER REPORTED HD MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF IMFORMATION AND OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF PROBATION OR CRIMES WHICH ANTI- DATE THE REPORT BY MORE THAN SEVEN YEARS RIGHTS 1.ACC NAME, ( XXXX XXXX XXXX XXXX ACCT # XXXX DATE XX/XX/XXXX ) XXXX XXXX NAME, ( XXXX XXXX XXXX XXXX ) ACCT # XXXX DATE XX/XX/XXXX ) AMMOUNT PAID AND CLOSE
Consumer complaint received 2024-04-09
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. (OH)

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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 that 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 Balance : {$1700.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2024-04-09
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

XXXX XXXX say I owe {$4000.00} my personal information was hacked and someone else used my personal information The notice on mailing was XXXX XXXX I assume you would have to ask company to see what dates charges occurred on This is the reference number they gave me XXXX Jefferson capital systems is the company There phone number is XXXX I dont have time to deal with their inaccurate information Their address is Jefferson capital systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thank you for your time Also I will not give my social security number out because of the fraud I suffered before
Consumer complaint received 2023-03-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (MO)

I went in the bank where Im a member and ask for a loan that only requires your EIN number for business I was told over the phone it was offered but when I got to the branch they told me it didnt exist and ran my name and social for a different loan told me I was denied and sent me out
Consumer complaint received 2024-04-09
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. (OH)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX : {$3700.00}
Consumer complaint received 2024-04-09
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. (KY)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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.
Consumer complaint received 2024-04-09
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 will not accept your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. I have previously submitted all necessary documents. Who granted you the authority to determine what constitutes a material fact? You are not a judge, a jury, or in any position to make such judgments. You have absolutely no right. The Federal Trade Commission ( FTC ) clearly states that when you receive an FTC identity theft report filed with a law enforcement agency ( which is the FTC itself ), your obligation is to comply with the law. Please dele them ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX