davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I am listed as a joint account holder for a Wells Fargo credit card. There have never been any late payments. However, the other named account holder filed Chapter 13 bankruptcy ( I was unaware until I received a credit reporting notification that the account was closed and charged off ). I called Wells Fargo a number of times and explained that I am trying to obtain a mortgage, but this charge-off is negatively reflecting on my credit. I was forced to pay the account off to try to show good faith on my credit report. Wells Fargo should not have required payment to change the status of the account because the joint account holder filed for Chapter 13 bankruptcy. Additionally, the account holder who filed bankruptcy is required to pay the account off so, Wells Fargo is incorrectly reporting this account as a charge-off on my credit reports. I asked a number of times for at least a letter showing that I paid the account off. I was told XXXX different time frames by individuals in the Bankruptcy Department and was ultimately promised that a letter would be mailed to me on XX/XX/2023. This has caused substantial harm to my credit scores. 

Call Notes : XXXX @ XXXX a.m. : spoke to XXXX- confirmed that dispute was submitted on my behalf on XXXX to the credit bureaus to confirm whether I filed for bankruptcy - cant provide tracking number - provided me with the phone to XXXX ( XXXX ) to check status - called XXXX, but the agent said he couldnt see the dispute Wells Fargo Credit Card ( XXXX ) XXXX XXXX XXXX XXXX XXXX provided by XXXX XXXX XXXX Wells Fargo Bankruptcy Department ) XXXX XXXX Spoke with XXXX @ XXXX am - she submitted dispute to have charge off removed from credit - should receive the response within 60 days via mail XXXX - tried faxing XXXX XXXX XXXX Wells Fargo Credit Bureau Dispute XXXX department - number never would answer/work XXXX @ XXXX pm : spoke XXXX XXXX in Bankruptcy - account will still show up as closed & charged off even if paid in full ; XXXX @ XXXX pm : spoke to XXXX in Bankruptcy - said only a few members in bankruptcy dept - can only accept payment via bill pay or check - once payment clears can call her back and she will guarantee send me a paid in full letter within XXXX business days XXXX Bill pay information XXXX Wells Fargo Services XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Amount : {$680.00} Paid in full XXXX @ XXXX pm XXXX XXXX XXXX XXXX XXXX : Spoke to XXXX in Bankruptcy @ XXXX pm- confirmed payment received on XXXX - provided her my current mailing address - will mail letter XXXX business days from the XXXX - XX/XX/XXXX is the mail out date
Consumer complaint received 2023-04-20
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)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information
Consumer complaint received 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/ my Wells Fargo debit card was lost to me and used at multiple locations without my permission. The charges were varied and mostly consisted of ATM withdrawals in various amounts from {$1200.00}, {$420.00}, and {$260.00}. My phone was also stolen for a period of time and someone was able to use my bank to commit further fraudulent transactions through XXXX XXXX totaling {$1700.00}. I contacted my bank immediately after I became aware of the situation and promptly filed disputes and shut down that card. As of XX/XX/ I was told that my claim was denied due to Wells Fargo concluding the transactions were valid.
Consumer complaint received 2021-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft, My information has been exposed in a data breech. Under FCRA 605B and 609E I am requesting this information to be permanently removed within 4 business days of receipt of this. I opt out of any company policies as this is to be handled directly under the FCRA LAW. 
XXXX ( {$630.00} ) # XXXX, XXXX XXXX ( {$840.00} ) # XXXXXXXX XXXX ( {$3600.00} ) # XXXX, XXXX ( {$0.00} ) # XXXX, XXXX XXXX XXXX ( {$230.00} ) # XXXX INQUIRIES : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have attempted to reach out to Transunion to correct the issues on the consumer report that are incorrect and have not been validated with my original signature and they have yet to provide the proper documents to keep the information on the consumer report by law. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 6048 A, Section 2, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

I am formally requesting that the late payment information be removed from my report as it is incorrect for the following accounts Best Egg- was never late and payments were made on time and are reporting incorrect Navy Federal Credit Union credit Card was never late and has incorrect balances Capital One Credit card was never late and has the incorrect balances Capital One credit card Platinum was never late and has the incorrect balances
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Subject : Notice Of Dispute - XXXX XXXX XXXX  XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXX XXXX XXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX XXXX XXXX  XXXX. 
Original Creditor : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Consumer complaint received 2023-10-03
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. (PA)

I contacted Transunion because they kept removing than re-applying the same inquires after they were disputed then removed. They also had a man named XXXX XXXX on my file and I kept asking them to remove it and they ignored me. 
I requested they keep the original removed inquires off and someone kept reapplying them months later each time. It was XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX )
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: EQUIFAX, INC. (KY)

When I reviewed my credit report, I discovered that this account was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX
Consumer complaint received 2023-10-03
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. (GA)

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OH)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

check made out to a company in XXXX XXXX IL. on XX/XX/2022 Check was stolen out of customers mailbox. Check made out for {$30000.00}. Check was cashed in XXXX XXXX on XXXX XXXX. Made a police report contacted my bank and the bank in Mississippi and I am told that the check was cashed legally.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I Requested the closure of XXXX saving account on XXXX XXXX via support live chat, the chat specialist answered me that the account was successful closed. After some time, i saw in my credit report that i had late payment for XX/XX/XXXX and XX/XX/XXXX. After contacting the company, i was told that the account can only be closed by calling the support service, which does not coincide with the conditions indicated on company 's website. The company refused to delete deliberately false records of late payment that were received after i requested account closure. Contacted with company with Goodwill ask to removal and trying to dispute, but XXXX refuse delete that false info
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I recently applied for a Discover card online with my married name XXXX XXXX instead of XXXX. A week later after I was approved, a security hold was placed to verify my identity. As the process, had to request tax verification from the IRS and supply several identity documents ( Marriage license, bank statement, tax returns ) and a notarized statement about myself. This process was rigorous and inconsistent. Last month, I got an e-mail that my account was canceled because I didn't submit my documents. After speaking with the account security team, a statement was sent to them twice and the company canceled the card because they received the same bank statement. I didn't get an e-mail or a phone call about this and I had to call Discover Card weekly and they didn't state any additional updates two weeks before account closure.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my second dispute with the Credit Bureaus, Fraudsters opened a XXXX XXXX  account that I had yall close for me. Now I ask that the account be DELETED FROM My Credit Report AS I REQUESTED. 
I am a victim of Identity Theft. My information was Compromised during XXXX 's XXXX XXXX. 
Included I have added screenshots and also my Data Breach Claim Number. For the fraudulently accounts that where opened in my name. 

I have never opened Nor Used XXXX XXXX  and I am asking you to DELETE it. Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I don't want this on my report, it hurts my credit history and it's not mine.
Consumer complaint received 2020-03-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TIDEWATER FINANCE COMPANY, INC. (IL)

On XX/XX/2020 I logged into Tidewater XXXX XXXX website expecting to make a final loan payment of XXXX and discovered that the final payment jumped to XXXX since last week. I spoke with a representative online about the difference in payment and she told me that there was never a payment of XXXX in the system. Ive filed a complaint with this company once before about their deceptive practices and their was even a class action law suit against them for extorting People for balloon and bogus charges. I was excited to make my last and final payment and now this. This company is the worst with their Mafia tactics to keep you forever in debt with them.
Consumer complaint received 2023-10-02
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 checked my credit reports last week. XXXX and XXXX are reporting accurate information. Equifax is not reporting any of my information, but instead someone else 's. I have contacted Equifax several times about it and they keep telling me they see my information. However, I keep telling them I am looking at someone else SSN and even gave it to them. 

Now this other person 's credit report is being pulled whenever I apply for something and I have been denied housing because of this. I am at the brink of homelessness, due to the negligence. I have submitted documents online to prove that this was not me, however, they have done nothing to help.
Consumer complaint received 2015-12-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CO)

XXXX XXXX/NationStar letter dated XXXX XXXX, 2015 is inaccurate. My letter was not dated XXXX XXXX, 2015 but was dated XXXX XXXX, 2015 which was within 30day appeal window from the NationStar XXXX XXXX, 2015 denial letter. ( Please see CSPB Case # XXXX XXXX. On XXXX XXXX. 2015 NationStar Customer Relations denied HAMP 1, HAMP II and Standard Modification were Default not imminent. On NationStar letter dated XXXX XXXX, 2015 stating that our loan # XXXX was suspended because our account was not current. Therefore we are qualified HAMP1, II and standard loan modification. And I have appealed with in 30days on XXXX XXXX, 2015. XXXX XXXX purposely not tell the truth and denied the loan.
Consumer complaint received 2023-10-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Foris DAX, Inc. (SD)

Crypto.com is holding my money XXXX  going on over a month. They won't provide me any information as to what is going on, they just keep telling me that they need more time. On XX/XX/XXXX I was told that the balance remaining on my visa card would be transferred to my XXXX wallet where I could then send it to my bank account. That is not the case. They keep saying they just need more time while my remaining balance is being held XXXX without reason or explanation. This company seemingly is being ran by XXXX XXXX. Scam. Company could care less about its customers even if they have made thousands off me in absurd fees.
Consumer complaint received 2023-06-22
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: PENNYMAC LOAN SERVICES, LLC. (CA)

My understanding is that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

Please correct this account in my file : PENNYMAC XXXX Balance Owed : {$200000.00}
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I deposited a settlement check in Monday of last week. Td bank put a 6 day hold on it. I called the bank the check was drawn on and they told me that check cleared days ago. Why is TD still holding my funds? The 6 days hold is not to hold people money hostage its to make sure re check clears and out it cleared why havent they released my money?
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXr # XXXXXXXX XXXX XXXX  # XXXX XXXXXXXX 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
Consumer complaint received 2023-10-02
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: Experian Information Solutions Inc. (MA)

I don't want this on my report, it hurts my credit history and it's not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-04
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX, and so on.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It's my understanding that FCRA 605B necessitates the deletion of any faulty accounts from my credit history. Could you review the documents? Some of the accounts listed exhibit inaccuracies in reporting, amounts, and dates.