davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX, XXXX XXXX, TX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Unpaid Balance {$93.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-08-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Your choices of " best describe '' does not cover my issue. I have made an application for a new HELOC with WELLS FARGO BANK where i have been a loyal customer for 40 years. When I made the application, I asked specifically for a full appraisal so that I could obtain the largest line available. They paid no attention to this request ; simply obtained a value and told me what they could do without a full appraisal. ( very much what they have been guilty of in that THEY decide what you need/want without listening ) In addition and most importantly they send me my credit score monthly which last month was XXXX yet the score they use when THEY want to lend me money is XXXX - five points below the score that gives me the best rate! Why do they TELL me that I am an excellent credit risk and that I have the BEST score - UNTIL they want to loan me money and charge me a higher rate! I'm sure there is some fine print somewhere that exonerates them from this practice, but as a consumer when you send me my score and then use another score to charge me a higher rate it seems " bait and switch '' tactics! I don't need this line. I have plenty of assets and I will be moving my relationships and tell everyone about this! I felt this agency should know - little has changes with WELLS FARGO! My banker did the best she could against the big bank that calls the shots!
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-26
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)

XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act convergent account number # 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 602 A Section 2. It also states a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-09
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. (NY)

I took time out to write a letter to Experian, XXXX, and XXXX on XX/XX/2022 ; stating that the collection accounts listed on my credit report were false. They did not provide me with proof of the original contract I personally signed validating this debt. 

According to 15 U.S. Code 1692g : ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX activities and communications that do not otherwise violate this subchapter XXXX continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period XXXX not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2024-04-10
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. (MS)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

Discover and XXXX XXXX have reported balances on my report that were unauthorized by me. I never received d XXXX form requesting to use my information in any other way than to obtain the credit line I already secured through our contractual agreement. Therefore, I will need my balance reported to always reflect {$0.00} owed, as well as on time payments for the remainder of our business relationship.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

MADE A PHONE PAYMENT WITH CAPITAL ONE .THE PAYMENT I MADE ENDING IN XXXX WAS PUT TO ANOTHER ACCOUNT, AND WHEN I CALLED XXXX XXXX XXXX ABOUT MY PAYMENT TO CAPITAL ONE THEY SAID IT CLEARED ON XXXX XXXX. TWO DAYS LATER CAPITAL ONE WAS EMAILING ME TELLING ME MY PAYMENT WAS LATE AND ETC.WHEN I CALLED CAPITAL ONE TRYING TO CLEAR IT UP EVEN GIVING THEM A NUMBER FROM XXXX XXXX THAT THE PAYMENT HAD BEEN PAYED THEY ALMOST SAID THEY WERE LYING AND DID NOT KNOW WHAT THEY WERE TALKING ABOUT THIS WAS HORRIBLE. THEY FINALLY FOUND MY PAYMENT ON ANOTHER ACCOUNT AND SAID I MADE MY PAYMENT TO THAT ACCOUNT WHEN XXXX XXXX SAID I MADE THE PAYMENT TO THE ACCOUNT I WAS PAYING, CAPITAL ONE MADE THE MISTAKE AND DID NOT WANT TO TAKE THE RESPONSIBILITY OF IT.
Consumer complaint received 2024-04-10
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. (KY)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX  Date of inquiry : XX/XX/year>, XXXX  Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX  Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX  Date of inquiry : XX/XX/year>, XXXX Date of inquiry : XX/XX/year>, XXXX  Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXXXXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX  Date of inquiry : XX/XX/year>, XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX XXXX  Date of inquiry : XX/XX/year>, XXXX XXXX XXXX Date of inquiry : XX/XX/year>, XXXX XXXX  Date of inquiry : XX/XX/year>XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year>
Consumer complaint received 2024-03-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (CA)

Hi. I opened a new BMO checking account from a promotion email received from BMO. The link is : when I make more than {$4000.00} direct deposit in 120days from day 1 account open, it will reward a {$400.00} cash bonus in 130 days.I meet all the requirements. Right now its more than 150days. I still havent received it. I called the support. They said I will get a call back in a week about this issue. But I never received the call from them.
Consumer complaint received 2024-02-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (FL)

I opened XXXX CD 's - XXXX with about {$5000.00}, the second with about {$10000.00} and the last one with about {$42000.00}. 

I went onto the Marcus website and requested the first CD total proceeds to be redeemed via ACH to my XXXX checking account. 

Then I requested my second and third CD 's to be redeemed via ACH to my XXXX XXXX savings account. 

The first XXXX CD 's were redeemed promptly and flawlessly. The last CD expired XX/XX/2024. My instructions, which were followed flawlessly on the prior XXXX CD 's were IGNORED. I called and had empty promises and one call the agent insisted on contacting XXXX via three way call. 

Due to this unnecessary delay, I incurred late charges on the bills I was going to pay. Therefore I demand 6 % APY interest paid to me from maturity until my XXXX account receives the {$42000.00} ( approx ).
Consumer complaint received 2022-10-28
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
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. (TX)

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 2023-02-21
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Above inquiries appeared on all three consumer credit reporting agencies ( XXXX, Equifax and XXXX ) XXXX 

With the exception of XXXX ( I have both an auto loan and consumer credit card with them. ), I do not have an account nor have ever applied for credit from any of the above creditors. I contacted XXXX ( XXXX ) to inquire why all of these hard inquiries are on my consumer reports. They stated that they were applications for their business credit card. I informed them that I did not apply for their business credit card and to please remove the inquiries. Any applications are fraudulent especially with such frequency. XXXX said they would look into the matter and would make a determination within 60 to 90 days. I asked them for a letter stating this fact so I could forward it to the credit reporting agencies and hopefully expedite the process of removing the inquiries. They said they could not furnish me with a letter. The same situation exists with XXXX XXXX. I contacted XXXX XXXX Bank and they stated that they have no record of me applying for any of their credit products however, a hard inquiry is present on all three reporting agencies. They too said they could not furnish me a letter since I don't have an account and have never applied for one. I have contacted each of the consumer credit reporting agencies multiple times by phone as well as sent letters via USPS and via fax ; disputing the validity of these hard inquiries. In addition, I initiated an internal online Equifax dispute dated XXXX Confirmation number : XXXX which resulted in Equifax " verifying '' the inquiries except for the XXXX ( XXXX ). The XXXX inquiries were removed from Equifax. Equifax also put a fraud notice on my account and mailed me a notice of such as well as informing the other reporting agencies about the fraud notice. I'd like to know how Equifax can verify some accounts and not the others. Such as the XXXX XXXX bank which admits they don't even have an application or account on file but Equifax and the others " verify '' the inquiry. I have demanded that each consumer credit reporting agency give me PROOF of their so called " verification '' and not one has ever done that or even responded to my letters. 

I have also sent letters via USPS directly to the creditors demanding that they take action to correct the problem or be subject to legal action.
Consumer complaint received 2023-04-19
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. (TX)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

Hello I have now been dealing with this going on 8 years when someone stole my idenity. And I have spoken with many representatives regarding this debt. As this account is now hitting its 8th year mark and still being reported on my credit report. This account is not mines as I been stating the whole time I have never lived at this address nor do I have any knowledge of this account. Im asking for immediate removal as this has caused me alot of financial hardships. Im requesting immediate removal or I will find a consumer law in the next 30 days regarding this matter. As I have not been able to get a place. Also on each bureau they are reporting different last 4 of socials, different open and closed dates im just frustrated with this as I will attach a copy when requested.
Consumer complaint received 2023-10-03
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. (NY)

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-26
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)

This is my first 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 an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Account opened XXXX. Amount ; {$520.00}. Im not liable for this debt with XXXX XXXX XXXX  XXXXI do not have a contract with Portfolio Recovery.They have not provided me with original contract as I requested.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft.I am the person making this complaint & I give CFPB authority to investigate this claim. 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 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 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (IL)

Jefferson Capital Systems , LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Shared my information with another Company after I notified them not to and they have yet to provide or answer my mailing sent to them on XX/XX/2024 I am seeking penalties and compensation from this company for their violations