davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (OK)

I have been trying to add the Durable POA to my XXXX XXXX XXXX Grandmother 's bank accounts at Wells Fargo since XX/XX/XXXX to help her access her accounts and keep up with balances, charges, deposits and to help her get past statements for the 5 year lookback with XXXX she's trying to apply for. Her health is declining and she needs help. Durable POA was done at Wells Fargo in person ( my Grandmother, my husband and I-the DPOA 's , and 2 witnesses at my Grandmother 's local bank branch. I live in Oklahoma. She lives in Florida and is currently in a XXXX home. This was written up in XX/XX/XXXX. Wells Fargo 1st said that their notary missed checking a box for known or in person however she wrote underneath presented FL identification proving we were there. The bank notarized the XXXX, designation of XXXX XXXX & living will, and actual Will documents that day. We signed in at the bank for notary. Bank is saying 2 documents are fine and show we were there but 3rd one done on same day at same time does not. They got an affidavit from the notary showing I was present and also an affidavit showing my Grandmother was present for the signing. Now they want me to go in person to bank in FL to add it knowing that I can't. I need to get the last 5 years of statements for my Grandmother for Medicaid application. She has started bouncing checks. She needs help. A medicaid advocate went to the XXXX home and tried to help my Grandmother call Wells Fargo to access accounts today. She had trouble following the conversation and verifying data to get access to her own account. When the advocate tried to help her Wells Fargo told the advocate she can not help her. My grandmother 's online access is also gone. She has no real idea what is going on with her accounts. And to top it off upon getting a few bits of information she realized that her account balance is much lower than it should be. Her caretaker was joint on that account and has now disappeared isn't answering calls etc. Trying to figure out how to help my Grandma as POA but Wells Fargo keeps blocking everything I do to try to help her.
Consumer complaint received 2023-09-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Pacific Credit Servies ( PCSCOLLECTIONS ) they did not provide with orignal contract as I requested.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XXXX XXXX, NY XXXX XX/XX/2011 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ; XXXX XXXX : {$4600.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5300.00} ; XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX Balance : {$840.00} ; XXXX XXXX XXXX : {$5600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$270.00}.
Consumer complaint received 2022-12-20
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. (NY)

In accordance with the fair credit reporting act XXXX  account 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 are consumer reporting act can not furnish account, without my written instructions.
Consumer complaint received 2023-05-16
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: Bread Financial Holdings, Inc. (PA)

I received a letter in the mail from Comenity Bank dated XX/XX/2023. It was thanking me for a recent application for a XXXX XXXX Credit Card. They were not approving the application. 

I DID NOT apply for this card. I contacted Comenity Bank to make them aware. I also filed a dispute with XXXX to have the hard inquiry removed from my credit report. 

I have also put Fraud alerts on all 3 of the credit reporting companies.
Consumer complaint received 2024-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2023-08-03
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. (NJ)

U.S. Code Title 15, Chapter 41, Subchapter III, Section 1681i is specific to the Fair Credit Reporting Act ( FCRA ) and outlines the procedures to be followed by credit reporting agencies when handling disputes regarding the accuracy of information in a consumer 's credit report. It has been more than 30 days.

Section 1681i sets forth the timeline and requirements for conducting investigations and resolving disputes. Specifically, it states that : 1. Within 30 days of receiving a consumer 's dispute, the credit reporting agency must conduct a reasonable investigation to determine the accuracy of the disputed information.

2. The investigation should include reviewing relevant information provided by the consumer, communicating with the furnisher of the information ( e.g., the creditor or collection agency ), and verifying the accuracy of the disputed information.

3. If the investigation finds that the information is inaccurate or can not be verified, the credit reporting agency must promptly delete or modify the disputed information from the consumer 's credit report.

4. The credit reporting agency must provide written notice to the consumer of the results of the investigation and any actions taken to modify or delete the disputed information.

5. If the consumer 's dispute includes supporting documentation, the credit reporting agency must consider that information during the investigation.

6. The credit reporting agency should provide the consumer with a free copy of their updated credit report if changes were made based on the investigation.

If the credit reporting agency fails to comply with the requirements of Section 1681i, it may be subject to penalties and potential liability for damages under the Fair Credit Reporting Act.

By referencing 15 U.S. Code 1681i in your dispute letter, I am asserting my rights under the Fair Credit Reporting Act and requesting that the credit reporting agency adhere to the appropriate procedures to resolve the dispute within the prescribed timeframe. 


Name of Account : XXXX XXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXXXXXX XXXX  XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX  Account Number : XXXX XXXX XXXX ] Name of Account : XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX - XXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXXXXXX XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXXXXXX XXXX  Account Number : [ XXXX XXXX ] Name of Account : XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX XXXX ] Thank you in advance for your help.
Consumer complaint received 2024-03-28
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-14
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. (CA)

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 items : 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 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 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Account Numbers : XXXX & XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection accounts are listed as having a balance of {$240.00} and {$54.00} respectively. This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards as collections should not be reported with a past balance or balance.

According to the Fair Credit Reporting Act, I have a right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate.

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with ALL METRO2 reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-23
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. (FL)

THE FOLLOWING CREDITOR IS REPORTING ON MY CREDIT WHICH IS IN VIOLATION OF MY RIGHTS AND FDCRA. I DO NOT HAVE A SIGNED CONTRACT OR OWE ANY DEBT OR HAVE RECEIVED NOTICES OR PROOF OF ANY TYPE OF AGREEMENT. THEY ARE REPORTING A FAKE PAYMENT HISTORY, OPEN/CLOSED DATES, AND ALL OTHER LOAN DETAILS.ARE FALSE. 

CREDITOR : ACHIEVE PERSONAL LOANS XXXX Equifax Account Number XXXX Account Status Closed Account Type Installment Account Type Detail Installment Account Balance - Bureau Code Individual Credit Limit - Date Last Active - XX/XX/XXXX XX/XX/XXXX Date Last Payment - XX/XX/XXXX XX/XX/XXXX Date Opened - XX/XX/XXXX XX/XX/XXXX High Credit - {$12000.00} {$12000.00} Last Reported - XX/XX/XXXX XX/XX/XXXX Month Term - XXXX 36 Monthly Payment - Past Due - Payment Status Collection/Chargeoff Comments- Transferred to another lender. Account charged to profit and loss Charged off account
Consumer complaint received 2023-04-13
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate on my credit report.
Consumer complaint received 2023-08-23
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. (MA)

To Whom This May Concern, I have submitted multiple complaints to you guys, regarding some fraudulent accounts that are on my report, you guys told me the disputed accounts were removed and they are still showing on my updated report. 
-- XXXXXXXX XXXX XXXX, Date fraud began : XX/XX/XXXX Total fraudulent amount : {$4800.00} and Also disputed XXXX XXXX XXXX Date fraud began XX/XX/XXXX Total fraudulent amount : {$980.00}, the other bureaus have removed it and yet you guys claim it's Verified. 
Therefore, I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 2. The contact information for the creditor. 3. The name of the person who verified the item to you. 4. The method of communication you used to verify this information. I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Consumer complaint received 2023-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

Navient improperly denied my IDR application as " too early for recertification '' when I am clearly requesting a new IDR plan. 

Navient is failing to act in good faith. They are fraudulently seeking to collect more money than what is owed rather than process my IDR plan as required by law. 

They are impossible to communicate with or work with. You can not call, or otherwise communicate with them in any meaningful way.
Consumer complaint received 2023-08-23
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. (NC)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-06-15
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. (FL)

I, XXXX XXXX am writing to complaints on wrong information on my credit report. Following Addresses are inaccurate and not my current or correct address : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX. Following inquiries are on my report that were not applied for by me : 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 The following employers are on my report are not accurate or current : XXXX XXXX XXXX
Consumer complaint received 2023-04-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

Hello, I had a XXXX policy that paid XXXX that was deposited into my savings account, and upon looking over my financial records to see how funds were dispersed, I noticed that the money was not all withdrawn by me, but I can not account as to where it went. I would hate to think that someone at my local branch went into my account but that is very possible. I feel as if there was money stolen out of my account at the time that the XXXX was deposited into my account in 2022. I have made several calls to this location, and even took off of work to sit down with someone to no avail. I was told I needed to make an appointment for that type of inquiry, and my employer does not allow a lot of time to take off of work. I have been unable to get any one to call me back since last yeat 2022.
Consumer complaint received 2022-11-23
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. (TX)

In according with the Fair Credit Reporting act XXXX, Account name-XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

This account has been discharged and all subsequent delinquent information should be deleted from credit bureaus. I have provided the documentation to credit bureaus and it was not corrected in the 30-60 day FCRA timeframe. This debt is no longer valid as of XX/XX/2023 per letter and phone call with Navient it was agreed that all corresponding Navient account data should be removed immediately.
Consumer complaint received 2022-11-27
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. (IL)

I have inquiries on my credit report that need to be removed. I didnt authorize inquiries to my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked that these be removed XXXX ago without a response.
Consumer complaint received 2023-08-23
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 2023-08-23
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. (NC)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX  XXXX Balance : {$3400.00}
Consumer complaint received 2023-06-15
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. (SC)

This is my 3rd request that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00}, XXXX XXXX XXXX XXXXXX/XX/2021