davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-03
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: EQUIFAX, INC. (AZ)

Please Remove it from my Credit Report. If you don't remove them i would like {$1000.00} per violation in accordance with the FCRA. XXXX Account number XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I have been a Wells Fargo customer for many years!!! Never having an issue until 2019 where I was called inside because something was going on with my account. Never given the full explanation on why I was called in but when I came in with my daughter the bank associate said I had to make a call and verify which she handled on the phone they asked my daughter for her id and thats was it. My account when first created was a savings account no one has access but me know one knew my information Im and old school person so a bank card I never had always used withdrawals and deposit sheets. I had direct deposit from The XXXX XXXX for many years as well. I went to do a withdrawal and I was told there isnt enough to cover my transaction I found out there have been XXXX transfer and my money disappeared I filed a claim then month later no money back and Im stuck
Consumer complaint received 2023-05-25
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. (AZ)

I submitted a complaint last XX/XX/XXXX hoping that the remaining fraudulent items that are not deleted from my XX/XX/XXXX complaint will be REMOVED completely but it was closed immediately. I submitted a complaint again last XX/XX/XXXX and again it was closed immediately. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-08-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC (VA)

We applied for temporary forbearance that was approved for XXXX, XXXX & XXXX. In XXXX we started the process to bring our loan current. Flagstar continuously rejected our application as incomplete because we didn't send XXXX months of bank statements for our rental income. I explained to them that we didn't start renting out the home until XXXX so I didn't have XXXX months of documents to send. Finally, I spoke to a supervisor in XXXX who told me all I needed to do was remove the rental income from the application. I'm not sure why I wasn't told this a lot sooner. 
I removed the rental income and resubmitted the application to Flagstar. They marked it as complete and said they had thirty days to review it. I asked if they could rush it since I started the process way back in XXXX. They said they would send a message to that department and see. I was contacted a week or so after that stating we needed to unfreeze our credit so they could check for any other debt on our credit report. I unfroze the reports while I had the rep on the phone and told her so. I only unfroze it for a day because I thought they would check it right away. I've called for status updates every week. Each time I was told the application was marked complete on XX/XX/XXXX and they have 30 days to finish it. 
My husband received a notification a couple days ago that Flagstar tried to run his credit but couldn't because it was frozen. I called them to find out what was going on because they NEVER call us when there's an issue. They just send letters via USPS telling us to call which just wastes precious time. The rep I spoke to said they needed us to unfreeze our credit and they need more documents regarding my husband 's income. I was furious!! 
I told them my husband is self-employed, which I stated on the application. I sent XXXX years of business tax returns when I originally submitted the application in XXXX. They said they had everything they needed on XX/XX/XXXX, now they're asking for more documents again. Documents that don't exist because my husband doesn't work a W2 job. I didn't list any W2 work on the application so I'm confused as to why they are requesting this. The rep asked me if I could upload the tax returns again anyway. I refused because when I log into my account and look at the documents I've submitted the tax returns are there. It's like they don't train the reps at all to be dealing with something so important.

At this point I asked where I could file a complaint against them because we are getting nowhere with Flagstar and I just want to get my account back to normal. I had to file for temporary forbearance with another mortgage company during COVID and the process was so easy! We've owned XXXX homes and Flagstar has been the absolute worst mortgage company we've ever dealt with!
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (SC)

While checking my most recent credit report, I noticed unauthorized, false and fraudulent reporting inquiries made by the following companies : Inquiries in Dispute : 1. XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 2. XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 3. XXXX XXXX XXXX XXXX, Delete this Inquiry for fraudulent reporting becuase The Inquiry was reported on XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; Experian, written permission or my consent to furnish this information onto my credit report or consumer credit file.

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-05-22
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. (TX)

According to the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), it is illegal to report information on my credit report without my permission. 

Please remove this information from my credit report immediately. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-13
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 Friday XX/XX/XXXX I received an alert on my XXXX credit reporting app about a Hard Inquiry that was placed on my credit report by Comenity CapitalXXXX XXXX It was after hours so I had to wait to file the dispute over the phone Monday morning during XXXX 's business hours. When I called. they advised that the card was opened by a sporting goods store and that I would need to file the dispute with the store. XXXX started the dispute process and found it to be fraud and had the inquiry removed. I located the contact number for the company, now known as XXXX XXXX XXXX. I live in XXXX  and they have no locations in PA and I had never heard of them. When I called the company they confirmed that the card was opened online using my personal information. When I told them I had never heard of the store, never even got a card, nor an email, they confirmed that the email on file is not my personal email. I requested the account be closed as fraud and they advised that they would note the file. I also requested documentation be sent in the mail confirming the fraud and closed account and that is pending. I then went into my local police station to file a report for identity theft. Their office told me they do not release those reports unless they receive a subpoena, but that I could submit the record # to the local Social Security office and that report would be on file, should I decide to file for a new SSN. I also alerted my banking institutions. 

Coincidentally, my cell phone provider the day before this happened ( XX/XX/XXXX ) advised that their network was accessed and my CPNI was released, but no " personal information was leaked ''. Then, 24 hours later, someone used my SSN to open a credit card online. I called them immediately to advise that I think their breach was more than compromised and they have assured me that it was not ; I am, however, skeptical given the timeline of events. 

I have copies all my credit report and the report # should anyone need it.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (IL)

Alleged account : XXXX Alleged account : XXXX Alleged account : XXXX To whom it may concern, I, XXXX XXXX, never gave ( CHEXSYSTEM ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (IN)

XXXX XXXX XXXX XXXX XXXX has filed a case on behave of Nationstar Mortgage for a debt not owed. I never had a contract with Nationstar Mortgage or XXXXXXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX)

XX/XX/2023 I sent {$820.00} via Money Gram under the name XXXX XXXX. The money was intended for XXXXXXXX XXXX XXXX  but instead went to XXXXXXXX XXXX. I do not have an account with XXXXXXXX XXXX. I called Money Gram the first week of XXXX to attempt to rectify the situation and was told that it would take up to 10 days to be contacted about rerouting the funds. After not hearing from them, I called back on XX/XX/XXXX and was provided a case number for the first time ( XXXX ) and again told that I would be contacted in 10 days. I still have not been contacted. I have also attempted to contact XXXXXXXX XXXX and have been unable to find corporate contact information.
Consumer complaint received 2023-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

Compliant XXXX was submitted on XXXX XXXX and a prepaid credit card debt that they " alleged '' is owed. XXXX XXXX XXXX, as well as XXXX XXXX, are both reporting this " alleged '' debt on all XXXX credit bureau profiles. XXXX is indicating that I owe them {$740.00} and XXXX XXXX is reporting {$610.00} in interest and fees for a prepaid credit card that my security deposit was never received back at the time of requesting account closure. XXXX continues to send mail correspondences and contact me several times a day for this debt despite me informing them the debt isn't actual and requesting documentation from them.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

The following addresses are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$33000.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$860.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX The Social Security Number XXXX is not mine, I do not have SS but ITIN Also the following names are not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : Account # XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX  Delete this account. 

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/ Delete this account.
Consumer complaint received 2022-12-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

complaint # XXXX 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 Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to request the correction of personal information on my credit report. After reviewing my credit report, I have identified several inaccuracies that require immediate attention. I kindly ask for your assistance in rectifying these errors to ensure the accuracy of my credit profile. 

XXXX. Employment Information : Correct Employment : XXXX XXXX Incorrect Employment : XXXX XXXX Request : Please remove the incorrect employment information listed above and update my profile to reflect only my correct employment information. 

I understand the importance of accurate personal information on my credit report, as it directly impacts my financial well-being and creditworthiness. Your prompt attention to this matter is greatly appreciated. 

If you require any further information or documentation to process these corrections, please do not hesitate to contact me at XXXX or XXXX Thank you for your assistance in resolving these discrepancies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX
Consumer complaint received 2024-04-05
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. (PA)

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, 15 USC 1681 e ( b ) 15 usc 1681 i ( 5 ) 15 usc 1692 c ( c ). Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX  XXXXXXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX 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 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.

15 USC 1681 e ( b ) 15 usc 1681 i ( 5 ) 15 usc 1692 c ( c ) Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-08-11
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. (NV)

I want to inform the XXXX and TransUnion Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.