davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ONLINE Information Services, Inc. (OH)

Account XXXX : XXXX In XXXX I used XXXX XXXX and was on a payment plan to pay off the out electricity bill. In that same year I paid off the debit of {$530.00}, and I know this because I moved later that year and in order for me to transfer my service I would've had to pay the bill in it's entirety. When I logged in to my account I saw the debit cleared and I continued to use their service up until I moved out end of XXXX. 

I never received any type of notice about the debit and when calling XXXX XXXX about it they the customer service representative told me that they couldn't see anything on their end either and to call the debit collector, I reached out to their third party they had handling the collection via phone and they had no information on why this I was on my account. I have tried different avenues to get this off my credit report but nothing has worked. The people at XXXX XXXX and their collections company haven't been able to give me any information. If this was a debit that I needed to pay ( which I did ) then how was I able to transfer my service from one place to another and continue to use XXXX XXXX as my provider when I moved?
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: Experian Information Solutions Inc. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX XX/XX/2023 ; XXXX XXXX XXXX ; XXXX XX/XX/2023.
Consumer complaint received 2022-11-01
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. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-05
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 sending this complaint to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. I believe that I have been a victim of identity theft. 
I kindly request that you remove the inaccuracies resulting from this identity theft from my credit report. I appreciate your cooperation and understanding in this matter and trust that you will handle this case expeditiously in compliance with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/, someone successfully hacked into my Wells Fargo checking account and wired themselves {$4200.00} after having had access to my username and password. I did not give anyone that information. 

I filed the claim will Wells Fargo immediately, as I caught the wire immediately. Wells Fargo has denied the claims multiple times, even after I escalated it to their executive office. They sent me a letter and put in writing that Im the one responsible for online wires that originate using your username and password, WHETHER OR NOT ACTUALLY AUTHORIZED BY YOU ''. 

Wells Fargo essentially said over and over that I'm responsible for the lack of security their own online system provides. I never ever gave anyone my username or password, and take my online security seriously. I caught the wire right after it happened, and they confirmed it was still " pending '', but even a timely response to the hacker didn't mean anything. 

After escalating the issue multiple times and constantly getting the same answer, I got a call from someone named XXXX XXXX who not only explicitly said it was " my fault '' that my username and password were compromised prior to the wire ( it wasn't ) but refused to answer me when I asked what Wells Fargo is doing to protect their clients. Then he hung up on me. A Wells Fargo employee hung up on me when I was simply asking what they could do to protect their lifelong clients. 

I have sense closed my checking and savings accounts, but would like to issue a formal complaint against Wells Fargo, and demand they mail me a check for the amount that was compromised due to their own lack of security measures.
Consumer complaint received 2023-12-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

Got a Prepaid American Express gift card today XX/XX/2023 and tried to use it for XXXX gifts for my son. Its constantly declined on every website, it says payment issue please try again and when I tried to transfer the money to my paypal just to see if it would work there it continues to say my card doesnt exist. I called the company and the card is activated and theres money on it. Basically I cant buy part of my sons gifts because I was relying on this gift card and it doesnt work at all on any website or in store.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC (GA)

ALDOUS AND ASSOCIATES is currently reporting on all three major consumer reporting bureaus that I owe their company {$370.00}. Reporting started on XXXXand is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I must express my disappointment regarding your decision to dismiss my identity theft claim, attributing it to an error or a misrepresentation of material fact. This raises significant concerns about your authority to determine what qualifies as a material fact. It's important to emphasize that your role does not confer upon you the powers of a judge or jury, nor does it XXXX you an inherent right to make such determinations. In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. I am willing to extend XXXX final opportunity for you to address my identity theft request. Failure to do so will leave me with no choice but to pursue legal action through the judicial system XXXX XXXX
Consumer complaint received 2023-10-06
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PLANET HOME LENDING, LLC (FL)

I had a HELOC account through XXXX  XXXX XXXX that I thought was forgiven back in early XXXX for approximately {$92000.00}. I have not heard from any company until Planet Home Lending purchased the account from XXXX in XXXX I believe. When they took over the loan they agressively started collecting practices. They post late payments since XXXX and charged lated payments penalties and interest payments for a new balance of {$140000.00}. I tried to get a loan to payoff that loan but was denied several times due to the credit reports they posted about the loan. They set up a new finance agreement and monthly payment arrangements but still list the account as late monthly. They home listed the home on foreclosure site in which I have never been in foreclosure. Please help remove all late payments and foreclosure reports and stop them from continuing to list the account as late. Also they started something new where they list my payment is late if not received by the XXXX of each month without any notice. I typically make my payment from XXXX to the XXXX of the month.
Consumer complaint received 2023-11-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My name is XXXX XXXX XXXX XX/XX/23, CAPITAL ONE FINANCIAL repod my car, and took it straight to an auction lot XXXX XXXX hours away from where I reside, after my account was charged off on my credit report. A charge off means they were paid. They then hired a 3rd party company to steal my property. Without notice. They offered me no help in finding out where my car was located at for XXXX weeks. Nor has anyone been able to inform me what happened to my personal property inside the car. XXXX representative told me then can sell my car whenever theyd like. So apparently I have no rights according to Capital One Financial. I called multiple times, each time being a long drawn out frustrating experience, XXXX hours on each call without gaining any needed information. I was told if I did not give them my social security number, or account information, on the account they closed, they had to disconnect the call with me. I have requested multiple times my original contract, my original promissory note, from the employees in the presidents office, And case manager, which I still have yet to receive from them, in order to verify proof of debt owed, or proof of funds I supposedly received for said loan from them. They were not at the dealership upon the business of my promissory note signature. They are holding me and my ability to travel & self sustain at ransom, for presumed said past due amount. Even after reporting charge off & closing of account to credit bureaus, which they took no responsibility for doing when addressed. I have rights, and am the owner, & beneficiary of my property. They have committed conspiracy against me, and no corporation has more rights over my securities & equity than I. I never received the right to dispute, nor any due process for such harm caused upon my life.
Consumer complaint received 2023-10-06
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)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Re : CFPB complaint XXXX Closed with Debt Collector On XX/XX/2023 XXXX XXXX XXXX ( XXXX ) responded to my complaint with CFPB stating XXXX XXXX marked the account as disputed and has ceased collection at this time. Yet it is still reported and showing on my Experian credit report. XXXX stated in their response to CFPB that it hopes this resolves my complaint however Experian is refusing to remove the collection account from my credit report, which is very damaging. 

It is illegal for any credit bureaus to report inaccurate and fraudulent information.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
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)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Never apply for XXXX XXXX Now all of my 3 credit bureaus reporting someone try to open the account. Recently, I i noticed couples of hard inquiry that I did not noticed and over 30 soft inquires in 1 month! The XXXX XXXX got applied by someone even before I moved to my new house in Texas. Every time I dispute with a credit bureau for stuff like this they never removed for me. Reason why I have to complaint to CFPB. T I did called XXXX XXXX  Police XXXX and they only provided the case number XXXX for credit bureau to call ask for report. thank You so much for your time helping me.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report
Consumer complaint received 2022-12-06
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. (SC)

In accordance with the fair Credit Reporting Act the list of accounts I have attached in may letters have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information other than adverse items and criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

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 2024-07-08
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (CA)

I was a victim of fraud related to the payment of the California Middle Class Tax Refund, which was mediated by Money Network Financial LLC via a prepaid card ( " the XXXX Card '' ). The fraud was the result of indaquate security systems and processes on the part of Money Network Financial LLC. 

This XXXX XXXX was delivered to me on XX/XX/year>. Upon receipt of the XXXX XXXX, I called Money Network to activate it as per instructions. I successfully activated it. However, my XXXX XXXX indicated a balance of {$0.00}. Upon registering online at mctrpayment.com, the card statement balance indicated that a fraudulent ATM withdrawal of {$490.00} was made from my card, along with additional charges. 

At that date, I had not received, activated, or even called about the XXXX XXXX. In fact, I was not even in the United States. 

This alone should be enough indication of fraud, and I provided evidence including XXXX XXXX data to support my claim. 

I have made numerous attempts to resolve this issue, including calling Money Network 47 times and spending over 17 hours on the phone. 

Money Network has denied my claim and subsequent dispute without providing a clear reason for the denial, and without providing the information I requested about the fraudulent activation. All the while, Money Network deliberately makes it extremely hard to reach a representative and will not call back or send e-mails, having required me to call back and waste hours away waiting on hold. 

I haven given up on amicably resolving this matter with Money Network.