davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (MI)

I HAVE PERSONAL INFORMATION THAT DOES NOT BELONG TO ME. XXXX REFUSES TO REMOVE THIS INFORMATION. I HAVE ACCOUNTS THAT DO NOT BELONG TO ME. CONVERGENT OUTSOURCING XXXX, XXXX XXXX XXXX, XX/XX/18, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ADDRESSES, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. INQUIRIES XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX CREDIT, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. THIS INFORMATION DOES NOT BELONG TO ME.
Consumer complaint received 2023-08-15
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. (NY)

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 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-15
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. (FL)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I HAVE PERSONAL INFORMATION THAT DOES NOT BELONG TO ME. XXXX REFUSES TO REMOVE THIS INFORMATION. I HAVE ACCOUNTS THAT DO NOT BELONG TO ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX ADDRESSES, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS INFORMATION DOES NOT BELONG TO ME.
Consumer complaint received 2023-08-15
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (GA)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2023-05-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

XXXX WELLS FARGO HOME MORTGAGE= ( WFHM )/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX )/ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau= CFPB Consumer=XXXX XXXX XXXX XXXX Here is the issue as a consumer we have done the complete administration process of the 1946 Act. 
1. Wells Fargo defaulted on the contract and could not produce the required information for the consumer AW. After which the Mortgage Note with WFHM was rescinded.

2. WFHM failed to respond via certified mail. WFHM didnt do what was lawfully required once rescinding had been received. After which, the Administrative Process was done and completed with the XXXX. Around XX/XX/XXXX XXXX. ( Fast forward to Allege Summons issued 9 months later by 3rd party debt collectors and not properly signed or endorsed by a judge this was XX/XX/XXXX ) 4. XXXX along with the XXXX XXXX and XXXX XXXX firm all debt collects that never produce the wet ink signature that was requested or the oath of office, as they are not Privity to Contract anyway. 
5. I realized that even after I challenged Jurisdiction by me continuing to interact gave them precedence to continue their agenda. Many attempts to get the alleged judge to rule in my favor for a summary judgment have been denied serval times. 
I objected on the record to their Twelve Presumption of Court canon law 3228. 
I am filing this complaint because the Center Supreme Court of the State of Illinois is a Private for Profit Corporation with a XXXX and XXXX XXXX number # XXXX  I want the Consumer Financial Protection Bureau to record the violation that are listed in this complaint ( BELOW ) and hold the officials of these entities responsible to the consumer that they have done unthinkable damage to our mental and financial stability. A list of the horrific violation done by THE ENTITIES ACTUAL OFFICIAL THAT make the decision : let the record show we have 4 cases and 3 cases have been CREATED BY THE ACCUSED IN SEEKING SETTLEMENT AND RECOUPMENT AND CLOSURE.

Exhibit = 1a Notice of default Certified Judgment of Un-rebutted Affidavit with witness Here are a few of the violations that have been commented on by Officials : Title 18 : USCS~1001 & 1002 false statements Title 18 USC 241 Conspiracy, Under Color of Law Title 18 USC 242Deprivation of rights under color of law Title 42 USC 1985 ( 2 ) Obstruction of the Justice Title 15 USC 1611 Criminal liability for willful and knowing violation Title 12 USC 1831 General Accepted Accounting Principles Sincerely, consumer
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXX I Made a transfer from savings in the amount of {$1000.00} to my checking on my mobile. 
I went to the bank at XXXX XXXX XXXX to retrieve the funds to pay bills and run errands. I attempted to withdraw the funds from the ATM -3 times. Each time I got a marigold box that popped up declining the ability to withdraw funds. I also got three emails /receipts information that the ATM transaction was declined and I couldn't process the transaction. On my mobile app, the monies were still in checking and so I figured since it was a holiday that maybe the ATM was out of money and would just try tomorrow. 

So, went home and logged back into my mobile app because I try and keep my ATM card locked as a standard until I go to use it. So, I logged in and the XXXX I transferred into checking was gone and it didn't go back into my savings either. I immediately called Wells Fargo in a panic to ask for help. They took a claim and said they had a department that handles these malfunctions and would pull the footage and audit the machine etc. and in 10 business days or sooner I would have it resolved. I felt somewhat upset and angered but my hands were tied and they said it happens. As I learned when they said it happens more than you know. As I learned when I XXXX it. So, I felt it would not be easy to wait 10 business days but I did. Today only be provided with answers if they won't give my money nor provide me with why or determination reasons. I know they didn't look at the footage or my emails their system auto-generates with receipts verifying I was not given any money. 
Today I called the branch manager direct and he opened a case with escalation. 
In the meantime, I now have no bills paid, XXXX to live on ..... 

This is cruel and nobody wants to look at the evidence which will prove my case. 

ATM FRAUD CASE FILED : XXXX Escalation XXXX ( Filed with branch manager based on that decision ) My monies should be protected from their inferior technology ... ... and accept they stole my money and refuse to provide any details. 

Attached are the receipts generated by WELLS FARGO declining my monies. Yet, the took the funds out of my account. ATM WITHDRAWAL AUTHORIZED ON XX/XX/29 XXXX XXXX XXXX XXXX XXXX AZ XXXX ATM ID XXXX XXXX  XXXX So, their own paperwork doesnt hold up to its accounting of my funds. Their system is defective and they wont assist or look at the evidence provided. Nor did they view the camera footage that will show the same as the paper trail of documents.
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

I send money using my XXXX  card to moneygram and I want to get it in my XXXX  account but when I try to cash in XXXX  but I can't take it what should I do tk get the money or its OK to give it back to my XXXX XXXX account
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.
Consumer complaint received 2023-08-15
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. (NC)

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 2023-02-16
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: Experian Information Solutions Inc. (IL)

VIOLATIONS OF MY FCRA ALSO VIOLATIONS OF THE METRO 2 COMPLIANCE # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-15
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. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2023-08-15
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. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-02-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: INTERCONTINENTAL EXCHANGE, INC. (CA)

I have been threatened by the ICE cryptocurrency exchange at XXXX XXXX XXXX that if I didnt send a deposit of {$11000.00} USDT to the ICE cryptocurrency exchange by XXXX XXXX, I would be fined {$1000.00} per day until the deposit is made. 

I received an email from the ICE cryptocurrency exchange on XXXX outlying their demands, which I have included in this complaint with a screenshot of it.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2020-08-23
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: Atlanticus Services Corporation (NC)

I have tried to get Fortiva credit card off of my XXXX credit report and they will not the credit company nor the card company will not remove this from my credit. This is a fraudulent account and does not belong to me. My identity was stolen. I sent all the information I received from the police report and FTC to the Credit Bureau and the Credit Card Company, and they still will not remove this. This supposed to have occurred in 2017 in the amount of over {$800.00}. 

Thank you
Consumer complaint received 2022-11-24
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XXXX XXXX XX/XX/2016 {$1600.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I've consistently made sure payments on this account are timely, never allowing them to become overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have XXXX XXXX accounts that were XXXX small loans for a buy. Now pay later they went into collections called XXXX XXXX I paid them in full for one collection and made an agreement to pay to settle for less for the other collection for the past month I have been fighting with a XXXX to update the correct information on my credit report, they keep saying that I have a balance on both with both should have a XXXX balance, because I paid their collection agency in full for one and agreed to settle for less for the other, but it still should show as paid in full. I have called numerous times in the past month and they refused to update the information correctly stating I still owe a balance on both accounts and they have not updated my credit report. I do not owe a balance on either if they communicate with their collection agency properly.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposit XXXX dollars and the ATM did not deposit my money or returned it to me it simply gave me a receipt with this code XXXX. the receipt also said we apologize for the inconvenience we are unable to process your request and contact return your items. Please contact our XXXXXXXX XXXX XXXX. This is not the first time I had an incident like this. A previous time the ATM machine gave my deposit back after I left and the bank attempted to charge me XXXX XXXX  as if it was my fault their machine return the money after the transaction was completed. Even after I filed a claim I still will not have my funds available and now I will be facing late fees because of the missing funds.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly depressed upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.
Consumer complaint received 2023-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

XXXX sent me an account for {$62.00} dollars to the company Southwest Credit SYS for collection. My credit history is being affected. I have no service and I did not have service with XXXX. I contacted them twice informing them that the account did not belong to me and that I would not pay for something that I do not use. I have struggled with this situation for over 1 year. They are violating my rights to good credit.