davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX AV XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX  XXXX Balance : {$680.00} ; XXXX XX/XX/2021.
Consumer complaint received 2024-04-01
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. (NV)

Had a hard inquiry to Transunion credit report on XX/XX/XXXX. XXXX XXXX XXXX. Called on XX/XX/XXXX, spoke with XXXX and explained I did not request or authorize a card or credit check. XXXX stated the looks like identity theft and would block the account and report it. Also he would have the inquiry removed from Transunion.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

======================== The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Consumer complaint received 2022-12-05
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. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth 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 Date Opened : XX/XX/2015 Balance : {$1700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : Balance : {$42000.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9800.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2020-12-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report. Its been 40 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the stress you've caused me.
Consumer complaint received 2020-12-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me.
Consumer complaint received 2023-09-27
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)

This is my third 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 XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023
Consumer complaint received 2023-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00}
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (VA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other 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 : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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. (MD)

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 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 2023-09-04
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. (PA)

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 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 2023-01-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MA)

I was contacted by a Wells Fargo employe, XXXX XXXX, who stated " I believe we may have a solution for you. '' I received paperwork from wells Fargo stating I would be eligible to utilize the VA disaster fund IF I paid {$7200.00}. The messagw left on my voice mail, that I still have, does not state of this is a guaranteed solution to my issue. Furthermore when I paid the mortgage in XXXX, I was under the 18 month window and actively working to utilize the VA disaster relief fund. Now that it's over the 18 month window Wells Fargo is offering me the VA disaster fund IF I pay the missed payments after the 18 month window. I feel as if I'll pay the {$7200.00} and be told by wells Fargo I am not eligible. Wells Fargo had ample time to provide me with a program of my choosing well before the window ended. Wells Fargo continued with practices that I did not feel comfortable with and on the advice of council refused to accept. 

I feel as if WELLS Fargo is continuing the practices that got them in trouble with the courts over the last ten years. Wells Fargo had been fined twice now in the last ten years for fraudulent practices and taking advantage of it's customers. It seems as if they are not stopping these practices.

I would like all missed payments added to the end of the loan, the APR to not change and the monthly payments to not change. 

Again I was able to pay XXXX, XXXX and XXXX mortgage payments but in XXXX I was told I wasn't allowed to make a payment. 

Everytime I reach out to wells Fargo I get a different person. Last time I spoke to an employee they told me they are in the executive office and the reason I was allowed to utilize the VA distater fund was because, and I quote, " it's a waterfall effect. '' I asked the woman if " waterfall effect '' was a legal term and she immediately changed the subject. 

Wells Fargo is continuing this practices if taking advantage of it's customers.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

After reviewing my XXXX and XXXX reports, I discovered that LexisNexis has been for nearly a decade reporting the reference number, as XXXX, XXXX and XXXX. I also requested a copy of my Consumer Disclosure Report and this information did not correspond to that of the credit report. I have disputed this information, and ask that the information be validated, to no avail. This reporting has cost me thousands of dollars and extremely high interest rates.
Consumer complaint received 2023-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In the month of XXXX there were several fraud claims reported on my checking account, the bank said the account holder called and reported thr claims, but I am the account holder and I never put in those claims, one of the claims was for {$460.00} which was a money order i purchased to pay my rent and I told the bank that, then there was a # XXXX amount that I was unfamiliar with and the bank had no explanation of, they released the funds from those claims as availabe cash in my account before they even did the fraud investigation, I wanted to close the account, they said no leave it open while we do the investigation. I had my online banking shut down and about a week ago I closed the account and opened a new account at a bank I had a credit card with since XXXX. In XXXX, XXXX XXXX credit card payment which I pay by debit card when I get my social security check was sent back to the bank after it sat in the balance for a week, and there was {$2000.00} in the account when I did the debit, the same thing happened with my XXXX XXXX  I got letters from the credit card companies telling me the payments came back. There was funds availavble for both transactions. During XXXX  my husband who had online access said he deposiited {$1300.00}, but no deposit was showing at the bank, There was XXXX dollars in the account and then I got a email saying my balance was low, under XXXX dollars so I logged in to see what happened, there was no record of that XXXX dollars leaving the account, customer service could give me no answer of what happened to my money, and I told them my husband claimed he put money in the account {$1300.00}, I cancelled all my husband 's XXXX transactions he had scheduled because the money disappeared., There was {$2800.00} in the account, I put through a grub hub order for {$21.00}, they showed my account overdrawn by {$1.00}, no other transactions hit the account, they had taken money out with no trace, I complained to cuastomer service, they had no answer for it. It was obvious they were purposely trying to make my account look overdrawn and insuffivient funds, I have been with them since XXXX and never had problems until recently.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

In the first week of XXXX of this year, I was contacted by Bank of America regarding a check that was cashed that I had written. They said it was suspicious and asked if I had written a check to XXXX XXXX for {$1700.00}. I said I knew of no one by that name, but that was the amount that my small business pays in rent each month. I had mailed the check myself, placing it in a business envelope into a USPS mail box addressed to my landlord. I have done this every month for over 2.5 years. 

The BoA employee acknowledged that I was disputing the check and that they would handle it. I considered things settled and figured I would hear from them eventually. They advised that I should also report this to my bank. I asked if there was anything else I needed to do in order to resolve the issue and they said that other than informing my bank of the problem, no. 

A few days later I went to my bank, XXXX to let them know about this and that I wanted to dispute the check as well. They let me know it would be investigated in a timely fashion but that they could take up to 120 days to get back to me. It's been over 120 days and until I started making phone calls and demanding action, no one had contacted me. 

Bank of America has done nothing in this time, while I have been defrauded of {$1700.00}. I was assured this would be handled over the phone, which was clearly a lie. Nothing has been done. 

XXXX has opened a case, contacted Bank of America and escalated the issue once three weeks ago after I had complained to them multiple times about how long this was taking. I do not feel they have done very much to protect me or the finances of my small business. 

Cashing an altered check is a loss born by the depositing bank, in this case Bank of America. ( https : XXXX ) I feel like I am being treated as though I have no rights in this case. My money was stolen and I am being punished. This has been punishing to the health of my small business. It has stunted our growth and caused a lot of stress. 

A reasonable response to this would have been to issue a provisional credit to my bank so that my bank could do such to me in return. 

A complete lack of timetable for such things and willfully ignoring attempts at contact is a disgrace and does little to instill confidence in the consumer. 

By contacting me directly, Bank of America admitted that the check was suspicious. Upon viewing the check, it was obvious to me that someone had used white out to remove what I had written in the " Pay to the Order of '' line. Additionally, the handwriting does not match my own. There is no investigation to be done here, it is as clear as day what has happened. 

I have attached the scan of the check in question.
Consumer complaint received 2023-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

XXXX is illegally allowing/providing XXXX XXXX XXXX operating under Capital One access to my consumer reports prior to and after I requested to opt out of sharing consumer data. 

I currently do not have any accounts banking or credit accounts with Capital1, prior to XXXX, I had accounts with XXXX XXXX XXXXXXXX XXXX XXXX which were closed prior to Capital purchase of said brand. 

At no time did I or ask Capital1 for any additional lines of credit or to re-open any accounts my business was concluded with the cardholder once accounts were closed in XXXX. 

At no time did I grant permission purpose to Capital1 for any reasons in fact I sent XXXX a letter opting out of sharing data without my express written consent. 

Capital1 has illegally obtained/requested my consumer report every month from XX/XX/XXXX to present date. 

I attempted to reach out to Capital1 who refused to provide answers or cease and desist illegally accessing my consumer reports. 

I am requesting CFPB investigate and bring legal actions against both parties for illegally access consumer credit reports and enact or enforce current laws that provide consumer protection and relief from this abusive practice.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

Pressured by my dentist while in the dentist chair to apply for and use Care Credit to be able to complete my dental service. Rates jumped up and its been about 6 years and Im still struggling to make the payments.
Consumer complaint received 2023-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I sent a letter out XXXX to Experian, XXXX, XXXX, XXXX XXXX  here are my tracking number XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making since.According to the law 15 U.S code section 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.