davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.. 


XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Inqiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XX/XX/XXXX 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 rep 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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX  Bankruptcy Discharged XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX 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 2018-12-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BUCKEYE FINANCIAL SERVICES OF ALLIANCE INC. (CA)

Yesterday I was at XXXX XXXX XXXX XXXX at XXXX XXXX  .Located in XXXX , it is outrageous how they can lie to customers without caring, I have a credit union loan approval, the seller XXXX and the manager said that the loan approval letter was false, that is a lack of respect and discrimination to my person, the manager told me that nobody could give me a loan. They wanted I use theirs bank to finance the car, the payment is double.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (DC)

Chime allowed someone to frequently open a checking account and order a debit card with my information, including email, name, physical address, and social security number. Chime did not attempt to perform a credit check, as if they had they would have seen that my credit is locked with all the major bureaus -- I am a previous victim of data breaches. Chime 's practice of allowing people to open accounts without a credit check is allowing people to fraudulently open account with stolen identification presumably obtained online. 

Chime also insisted on me providing my social security number, which I never provided to them -- see above, fraud -- in order to close the fraudulent account.
Consumer complaint received 2023-08-14
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. (CA)

Regardless of the multiple written requests, the unverified public records listed below is still reporting on my credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

Bankruptcy XXXX  XXXXdismissed Filed on XX/XX/2017 Reference number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2022 requested that Experian and XXXX to investigate my accounts, it has been over 30 days. 

According to 15 USC 1681I they have 30 days to investigate and send me results. 

XXXX XXXX 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 2022-10-24
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. (MO)

This is my NUMEROUS 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 XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ;
Consumer complaint received 2023-08-14
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. (TX)

XXXX XXXX is illegally on my credit I have not supplied proof under the doctrine of estopped 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
Consumer complaint received 2022-10-24
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. (MO)

I hope you are having a good day! This is XXXX XXXX submitting this CFPB complaint to the Credit Reporting Agencies today to inform the Credit Bureaus that I was the victim of identity theft. I made a research on how to remove the fraudulent information from 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 accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-09
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: EQUIFAX, INC. (GA)

From a dispute placed in XXXX 2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was removed from my credit report. As of XX/XX/2023, on EQUIFAX somehow this collection is continuing to reappear with the same inaccurate information on my credit report. Account Number # # # # # # XXXX
Consumer complaint received 2023-08-14
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. (TX)

XXXX XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MA)

American Express Gold Card with XXXX XXXX XXXX for 15 years. 
Pay card off in full on line every month. 
Did so this past month, scheduling the payment before the due date. 
For some reason unknown to me, the payment did not go through. 

I discovered this 2 days after the due date and called to pay it in full immediately, which I did. They charged me over {$200.00} in interest and my credit score has been affected. 

My paying on line and using on line statements saves the company money! I should not be charged interest or late payment fee for this glitch. They did agree to not charge the late payment fee of {$40.00} but said they " could not '' waive the interest fee. 

What recourse do I have?
Consumer complaint received 2024-10-08
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. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-04-24
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (OR)

XXXX XXXX I put in complaint about the way I was being contacted by IQ Data. In reply to the complaint, I was told there was never a settling amount offered or a payment plan in place which is completely false. I was offered a settling amount of around {$1900.00} In XXXX of XXXX. 
There was also a payment plan set when I was employed. Due to unemployment I was unable to make payments.I have called to alter amount of payments and was told Im unable to do that prior to my complaint. XX/XX/year> I was told they were moving forward with legal action. 
After complaint I was told I would not be contacted by IQ DATA but the amount is still due. 
After complaint was made, I was unable to review account online. I called and asked why, I was told due to my complaint I would not have access to the online account. 

XXXX XXXX I was contacted by IQ data due to a payment plan from my understanding was no longer valid. Due to not having access to online account I was unable to make any changes to account or payment dates. I assumed once I was able to make payments, I would be able to make payments. I have once again been told they are moving forward with legal action. 
All I want is clarification about how this process works as I have never been through something like this before. My lack of knowledge for the situation and the lack of wanting share the process of how to proceed, has made this situation worse and stressful. Is there a payment plan in place that I am following? Am I now able to alter payments to a more reasonable amount for my situation? Every time I ask these two questions Im told no in many words.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2023-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

XXXX. I have tried with the company Pennymac to resolve this Issue - no response XXXX. I have tried with XXXX- they said company would response, but no response XXXX. I wrote to Pennymac CEO- No response Brief Description of the Case I am a Pennymac borrower with a fixed interest rate since XXXX, XXXX. I pay my mortgages on or before the due date all the time and never late in my payment. This year the company, Pennymac, had my Escrow Analysis in XXXX and found that I have Escrow shortage of {$2400.00} as shown in attachment XXXX. They gave me the option to pay all at a time or divide into monthly installments. I have paid all at once as shown in attachments 2 and 3. Therefor, my payment should remail as my XX/XX/XXXX XXXX. As attached, file name XX/XX/XXXX XXXX. 
However, the company sent me my XXXX invoice much higher than my XXXX statement as attached, file name XX/XX/XXXX XXXX. I called the Pennymac on XX/XX/XXXX at around XXXX XXXX EST. Spoke to XXXX after a long wait. She does not have any clue what I was trying to explain to her. Then I asked for a supervisor named XXXX. XXXX repeats at least 20 times that my insurance and tax has increased so it is higher than my normal payment. I tried my best to explain that I have already paid the Escrow shortage of {$2400.00} so my payment should remain the same. Then he said Escrow analysis was not correct. I said OK, send me a correct Escrow analysis statement. He told me that he would send it right at that moment. However, I waited all day for the document, but XXXX did not send anything as of today. 
XXXX also told me that, even if I pay all the shortfall, I still must pay higher installment. For the reason he could not answer, I believe that is wrong and improper business practice. 
The company is providing conflicting information about Escrow. I understand Escrow changes, and they sent me their Escrow analysis report. I have fully paid for the short fall. However, now they are saying that they made a mistake and will send me a new Escrow report. This is where MISTRUST develops. Pennymac is a big company, and it is difficult to believe that their Escrow analysis is inaccurate.

They could not explain what they had done with the {$2400.00} Escrow only I paid them last month. I have serious doubt that they are mishandling my Escrow fund and could not manage it. I can not trust them to manage my Escrow.

In any case, I wanted to keep my original payment amount by paying the additional shortfall. But Pennymac said I still must pay a higher amount. I asked what is the reason? I am paying them in advance and the principal and interest are fixed. So, why I must pay extra. There was no answer from Pennymac.

I have reasons to believe that my Escrow funs are not properly handled and I can no longer trust them to manage my Escrow.

I will pay their principal and interest and I will manage my escrow and pay taxes and insurance. 

Thank you XXXX XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

Jefferson Capital systems is reporting a debt of approximately {$1700.00} on my credit report but has not sufficiently reached out to provide validation of this debt. It appears that this debt began reporting in XXXX related to an alleged XXXX XXXX
Consumer complaint received 2024-10-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (AZ)

I had a baby on XX/XX/year> at XXXX XXXX XXXX without insurance and called the company responsible ( In XXXX, of XXXX ) for billing. I was charged an inordinate amount for the birth and follow up care. I have XXXX separate bills totaling $ XXXX after discounts. I could not get a hold of someone from the hospital collection agency who could change my bill if needed. They actually dont have phone numbers. The person I talked with ( XXXX ) found many errors in my bill and told me she would call me back and get them addressed. She has not in the last XXXX months and no one has attempted to contact me except for billing. There are thousands of dollars in discrepancy in XXXX bill ( my sons ) and discrepancies in my personal bills from the same hospital for the same event.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I received a letter from Wells Fargo dated XX/XX/XXXX, which after reading it indicated that Wells Fargo Bank has provided false and defamatory information to me as a consumer which calls for a third party financial auditor and Office of Public Affairs to investigate this issue. The auditor would confirm that in fact one of its Banks employees secretly opened accounts using my business and personal information, and was in turn fired for his action. Moreover, a fair and honest assessment of consumer damages must be discussed in order to cover damages, caused to my business and me personally. 

Previous Correspondence : Wells Fargo state that " We hold all of our employees to the highest possible standards of ethics and business conduct and expect them to comply with all applicable laws, rules, and business regulations. '' However, the original complaint concerning breach of the business account came in XXXX whereby the employee was terminated, but Wells Fargo to date have not investigated financial hardship of the damage to the business credit from the breach not sought to contact the company concerning the matter. The employee who assisted with opening the business checking account at the XXXX XXXX XXXX XXXX, XXXX, GA XXXX branch location. Records must show the circumstances of the breach of the account and the actions taken. If not this is another violation that should be thoroughly investigated for accuracy and other violations. 


Incorrect : Our Firm does not and have not opened a Business Market Rate Savings account ending in XXXX opened on XX/XX/XXXX, and closed on XX/XX/XXXX, due to no customer-initiated activity for 60-180 days. 

Wells Fargo should acknowledge and revisit the employee 's breach of the business account back in XXXX, and seek to make the company hole from the damage of business stability for function financially from the damage of actions of that employee who was terminated because of the unauthorized breach of the business account in addition to the aftermaths of pre-mature overdraft protection charges stemming from such damages to date.. 

This is a continuing issue by Wells Fargo stemming from XX/XX/XXXX, perhaps the company 's most notorious scandal, Wells Fargo employees were caught creating millions of savings and checking accounts for customers without their knowledge or approval after being pushed by their superiors to cross-sell products. 
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