davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (MO)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-06-05
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. (IN)

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX 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 2023-03-11
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. (LA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian permission to furnish these accounts. Accounts : XXXX
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

Hello, I am trying to close and account with PNC. I moved money out before closing the account. However, the day that i moved said money. PNC charged me an account maintenance fee. 

Please see below for the fee. 

XX/XX/2023 MONTHLY SERVICE CHARGE XXXX {$7.00} - {$7.00} Now PNC will not allow me to close the account unless I pay this fee. Which seems rather predatory.
Consumer complaint received 2023-05-24
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: Self Financial Inc. (NC)

I have spoken with Self Financial over 2 weeks ago and they confirmed that the inaccurate reporting on my credit report will be fixed in 3-5 business days from date XX/XX/XXXX. They informed me {$42.00} balance should be reported on my credit report but instead {$400.00} balance was reported on my credit report dropping my score over XXXX points in the middle of purchasing my first home. I called back XX/XX/XXXX to get a status update only to be informed that they needed proof that the {$400.00} was reporting on my credit report, I sent in a screenshot of my credit report and have not heard from anyone yet. This has prevented me from closing on my home and if I have to pay the the price this company will pay if for me. Its unfair and insensitive to mess up someones credit score in the middle of a big purchase. Fix it!
Consumer complaint received 2023-03-17
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: Westlake Services, LLC (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (PA)

Claim XXXX was closed but collection agency continues to provide false information regarding the debt. They continue to list debt as being only four months old, instead of the actual date of service by original owner, XXXX XXXX XXXX XXXX XXXX XXXX which is XX/XX/2018. 

Listing it as a new debt is harmful to my credit and should be revised immediately. The company pleads ignorance in how the date is listed, which is falsifying information regarding this debt.
Consumer complaint received 2023-03-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (UT)

On approximately XXXX, I received an alert from XXXX that a change happened on my credit report. Its from Debt Solutions Recovery on behalf of XXXX XXXX. Funds were dispersed on XXXX for {$1800.00} I received a letter from DSR a few days later that says I owe in excess of {$3600.00} An email was received from DBS and I insisted bit wasn't me, but they said their client needs a police report. 
I filed a police report on XXXX, report # XXXX. 
I supplied the Detective the contract irroneiously done. Contract # XXXX. 
The Detectives investigation found the IP address was from Missouri, not Utah where I reside. 
The Detective suggested I contact the FBI because this is identity theft was a Federal offense since it's across State lines.
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (NJ)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CA)

Not long before I filed for divorce, my husband and someone using my identity applied for a loan with Mercedes in my name, and the name of my husbands company that I was not part of, without my knowledge. All mail regarding this account was being sent to my ex-husbands house. The account was opened on XXXX  are date of separation was on XXXX  when I moved out of the marital home my personal belongings remained in the home until XX/XX/XXXX. Our divorce was final on XXXX He died on XXXX. After his death, I started receiving his mail. I received something saying my car was going to be repossessed as I was in default. I didn't know I had a car loan in my name. I immediately took the car back to Mercedes. 

I did not work during my marriage because my husband wanted me to stay home. I did not receive any income. I wouldn't have qualified for any loan. I have tried to get the voluntary repossession off my credit report. I didn't apply for any loans. I was a victim of identity theft. This account only reports to XXXX. That is the only credit bureau I wasn't monitoring. For that reason, I was unaware of this account until my credit was pulled while applying for a mortgage. 
I have received a copy of the original application from MB Finance who was able to get it from the dealer, even though the dealer said they didnt have anything on it. I am attaching it to this complaint. You will see five completely different signatures on the same page. I filed an identity theft claim REF # XXXX that I have filed listing this account. MB finance says they can't do anything about it if it was fraud at the dealer. They referred me back to the dealer to get it taken care of. I have spoken to several people in the finance department including XXXX and XXXX. I have left messages for their finance director without a returned call. The dealer says they can't do anything about it as they don't have the documents anymore, due to this account being aged. They say it would need to be rectified by the finance company. I have spoken to multiple people both at the dealer and the finance company and have not received any resolution to this problem. 

I am told that 7 years from the date of last activity, the negative remarks should be removed from my credit report. That means, this month on XX/XX/XXXX, the account should have fallen off my credit anyway. However, now the date of last activity has been updated to XX/XX/XXXX. Per MB Finance ( XXXX ), the car was voluntarily surrendered in XX/XX/XXXX. No further activity has occurred on the account yet per Financial they re-reported it on my credit on XXXX they have not sold the debt and could not give me an answer s to why they re-reported it to only 1 credit buare, they stated it may have been a mistake but there is nothing they can do about it now. So why does it now say XXXX It does coincide with the last date reported.
Consumer complaint received 2023-03-12
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (IL)

On XX/XX/XXXX, {$980.00} was stolen from my wisely prepaid card provided through my employer while I was at work. The purchases were made in 2 different cities I do not live nor work in. They give you 10 days from when the claim was filed to send in all the proof of fraudulent activity and sign paperwork. I didnt not receive the paper work until XX/XX/XXXX but they closed the investigation on XX/XX/XXXX. Apparently this company sends out resolution letters to tell you the next steps or how to appeal. I was told I could not appeal until I get this letter. They said it was sent out via postage on XX/XX/XXXX and I would receive the letter in 7 to 10 business days. I didnt receive this letter until XX/XX/XXXX. The letter stated they found no nothing suspicious and their decision was final. So I sent in a handwritten letter with proof that I was at work. I sent all the documents on XX/XX/XXXX to their po box . I sent the letter through priority mail and it arrived on XX/XX/XXXX. They are claiming they still have not received the letter. Please help.
Consumer complaint received 2023-07-17
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. (PA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-07-17
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. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I was denied a mortgage modification by Wells Fargo Bank 7 times. I was told initially to make 12 monthly payments on time. I would automatically would be given a loan modification ... After the 12 payments I was not given a modification. Then I was told I needed to miss payments. Then I could apply for a loan modification... I then reapplied for a loan modification and was denied a total of at least 7 times. My home was put up for foreclosure several times. I incurred additional late fees and attorney fees credit ruin, also had to file for Bankruptcy. This experience has been a very traumatic experience. I recently contacted Wells Fargo Bank XXXX XXXX and provided them information to review. Wells Fargo Bank initially informed me that they would have a decision by XX/XX/2023. The Wells Fargo Rep name is XXXX XXXX. Wells Fargo notified me on about XX/XX/XXXX by letter that I would know something by XXXX XXXX. XXXX XXXX called me XXXX XXXX and told me that Wells Fargo would not be able to offer me any relief ... XXXX XXXX also informed me I was denied 7 times. I asked to a speak to a Supervisor and he told me there was no one I could speak too. Even though in prior communication he told me he was working with his Supervisor and another department ... XXXX XXXX also informed me that he would be sending me documentation ... .The enforcement action that XXXX has issued against Wells Fargo is being violated in relation to my loan modification ... My number is XXXX. XXXX XXXX email is XXXX. Please someone contact me asap in desperate need for assistance.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC (NJ)

On XX/XX/XXXX and XX/XX/XXXX BMW ran my credit report through them and financial institutions without my authorization. I specifically asked them not to do this and they fraudulently did this without my authorization. I have proof showing that I didnt authorize my credit to be ran. The representative I spoke didnt apologize or try to rectify her response was I should have told a manager. When I specifically in writing and over through communication do run my credit report through banks and her response was yeah sure. This BMW XXXX in NJ and BMW financial is running by unlawful practices. And I request all inquires be removed by them and/or refusal will have to pay a minimum of {$1000.00} of any lost that a pull from unauthorized credit pull caused me.
Consumer complaint received 2017-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

Account #  XXXX   XXXX   XXXX  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in  XXXX   XXXX    XXXX    XXXX  in the amount of {$53.00} that was reported on all  XXXX  credit bureau reports. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Consumer complaint received 2022-10-22
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: Bread Financial Holdings, Inc. (PA)

On XX/XX/2022, I received a letter informing me of my request for a lower interest rate. 
I never applied for the XXXX XXXX Credit Card from Comemity Capital Bank.
Consumer complaint received 2017-05-16
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. (TX)

I have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have 5 XXXX XXXX XXXX accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over 4  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated 1 or more of these accounts and reflected it as a Paid " XXXX XXXX  '' account with the main derogatories reporting as recent asXX/XX/XXXX even though supposedly it 's been paid since XXXX 2015. This has caused a significant drop in my credit score and is preventing me from moving forward on a home loan for my family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored. <P/>Thank you, XXXX
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX