davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have fraudulent inquiries in my TransUnion credit report that Ive previously disputed with the bureau and dispute wasnt resolved in my favor and TransUnion verified inquiries to be accurate which is not true. Ive contacted all lenders of which inquiries I dont recognize and I let them know about possibly fraud. synchrony bank, XXXX and XXXX confirmed they will investigate and contact TransUnion to remove fraudulent inquiries and no action has been taken further. 
XXXX also sent letter confirming inquiries would be removed which I received XX/XX/XXXX. 
List of fraudulent inquiries : 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 XXXXXX/XX/XXXX I would like CFPB to help me resolve this issue and restore all damages done to my credit by fraudulent inquiries which I never authorized
Consumer complaint received 2023-01-10
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. (NV)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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  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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (UT)

THE ACTION THAT I TOOK WAS TO REQUEST MY CONSUMER AND CREDIT REPORTS FROM THE FOLLOWING CREDIT AND CONSUMER REPORTING AGENCIES : XXXXXXXX XXXX XXXX AND SAGESTREAM LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND ITS XXXX XXXX XXXX 
THE SAID ABOVE COMPANIES HAVE NOT SENT ME MY REPORTS AS REQUESTED AS OF YET! 
THEY HAVE NOT RESPONDED AT ALL. 
ACCORDING TO THE ( FCRA ), I HAVE THE RIGHT TO A FULL DISCLOSURE OF ANY AND ALL OF THE DATA IN MY RECORDS AS A CITIZEN OF THIS FINE COUNTRY, THE UNITED STATES OF AMERICA.
Consumer complaint received 2023-05-12
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. (OH)

My name is XXXX 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 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 2023-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: ATLANTIC UNION BANKSHARES CORPORATION (NC)

I opened an account at Atlantic Union Bank at a new branch in XXXX NC which they closed shortly after because they could not keep it staffed adequately during pandemic. I opened the account to facilitate my move to Virginia. I was often near the XXXX XXXX branch area staying with my boyfriend, and also the XXXX area, but my primary address was XXXX XXXX. I did not want to close the account because I did want to move to Virginia, but the housing market was so fast it was difficult to buy a home, and I did not find another bank to move to that I liked that was also in XXXX. My boyfriend ended up having to sell his house and the main issue I had was that I was not able to keep the account active in XXXX as I had planned to do and that was not my choosing. There have been many unexpected turns in pandemic setting. I ended up having to work in California and was there when I got notice XXXX was deducting $ XXXX from my account for being inactive. They are the ones who closed the XXXX branch so they should send me back the {$25.00} deposit and close the account. I talked to the branch and they said I had to go through a process to request the {$15.00} left in my account as they already took {$10.00}. I would like all of my money back ; if they can just close down the branch that is near me they should not be able to keep the deposits. I called the main consumer line today and I was told they are not allowed to provide any information about my account or discuss it due to a comment that was made on the account, and I have to talk to a branch. The only option the branch had given me was to jump through a lot of hoops for {$15.00} or let them keep my cash.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

on XX/XX/XXXX i called XXXX XXXX to resolve an old debt. The representative there transferred me to a collection department to make a payment. after making the payment, my credit report was suppose to be updated to a paid status, which they did for a few days before switching it back to unpaid. every time i call XXXX XXXX there is always an issue with my information in there system and half of them ca n't get past authentication because personal info is not correct either. I gave them my dob, ssn and address but because my telephone number does n't match i would need to be transferred which would start a transferring nightmare one after the next. Its been four months since XXXX took the payment and they have n't been able to update the credit reporting agencies or the account in their office properly or in a reasonable time frame.
Consumer complaint received 2023-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (MD)

In 2017 a credit card was opened fraudulently in my name with Wells Fargo. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with Wells Fargo since then with no luck even with a police report that I provided to them and added to my credit file with XXXX, XXXX, and XXXX as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru Wells Fargo, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. Wells Fargo said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit Wells Fargo was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file!
Consumer complaint received 2023-01-02
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)

My credit report with equifax is inaccurately being reported. My credit report dropped XXXX points due to loans not being reported such as my mortgage, and installment loans such as my car and all credit cards are missing. When I called Equifax they stated my all my accounts were being reported, but I explained to them that my accounts were not being reported from what I could see. I mentioned to the representative this has happened before. I had to ask to have this escalated to next level because of inaccurate reporting and the effects it can have to my daily life. I asked to speak to someone else. I was told someone call me and that they would send me my credit report in the mail.
Consumer complaint received 2023-01-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

Hi my name is XXXX XXXX and I have sent this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH XXXX two validation letters asking them for the original contract showing that I have conducted business with them, which I XXXX XXXX has never done business with XXXX XXXX XXXX XXXX, account number ending in XXXXand XXXX XXXX XXXX XXXX never sent me the original contract, so I XXXX XXXX would like this to be removed off my credit reports and also from collections. Thank you!!
Consumer complaint received 2023-01-02
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. (FL)

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, 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.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB + XXXX + Experian + XXXX, There is a credit card I am an authorized user on - that is not showing up on my credit reports - that should be showing up. 

This is for a XXXX XXXX Credit Card - dated XX/XX/2019 - it has always been paid on time. 

My drivers license ( for ID and address ) plus full account information is attached to this complaint. 

Please have this card show up on my credit reports as soon as possible.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (NY)

I paid for a XXXX STORAGE plan. 3 days later when I was saving pictures and music from my phone suddenly I got an issue that I couldn't upload. LONG STORY SHORT - don't loan phones out as OTHER PEOPLE 'S photos in email attachments and from photo links from people get onto YOUR ACCOUNT without your knowledge. I got both XXXX and XXXX extra storage but ONLY XXXX CANCELLED THE ACCOUNT JUST DAYS LATER. They sent me an email. I appealed and stated : RESTORE MY ACCOUNT OR STOP CHARGING ME. First payment : XX/XX/2022 ( {$2.00} ). I tried calling the phone number on the transaction. AUTOMATED. I went on literally every single XXXX support page with my email account and stated that I either need to get the storage I am paying for or they must STOP CHARGING ME. Support online chat- they said I had to cancel by signing onto my account but XXXX disabled it! And CHASE BANK says I have to cancel my debit card! I am XXXX with NO CAR! CHASE refuses to believe that it is their responsibility to stop unauthorized charges when I tell them. I even read the law from this website to them on the phone! I have screenshots of me putting it IN WRITING for XXXX to stop charging me for services not provided and can provide those upon request.
Consumer complaint received 2024-03-01
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. (CA)

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. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX , Account name : XXXX XXXX XXXX XXXX Account name : XXXX, Account name : XXXX XXXX XXXXXXXX XXXX , Account name : XXXXXXXX XXXX XXXXXXXX XXXX Account name : 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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 Acct Number : XXXX ( {$0.00} ), XXXX  Acct Number : XXXX ( {$0.00} ), XXXX Acct Number : XXXX ( {$420.00} ) XXXX Acct Number : XXXX ( {$730.00} ), XXXX XXXX Acct Number : XXXX ( {$1000.00} ), XXXX XXXX XXXX Acct Number : XXXX ( {$240.00} ), has violated my rights. 15 U.S.C 1681 section 602a states I have a right to privacy. 15 U.S.C 1681 section 604a 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 ( 7 ) 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 2017-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc. (CA)

Got a call from  XXXX  from "  Simms associates '' claiming that my deceased grandmother owed  a debt. My grandmother has been deceased for over a year and have never had any issues like this before. I googled the phone number and read many other stories from people that this company is trying to collect debt from deceased people 's family members. Preying on innocent people.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX accordance with the Fair Credit Reporting act, XXXXXXXX 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

Fedloan Servicing has a total of 10 loans in my name.  Fedloan was notified by my school that I was enrolled since XXXX 2019, however, they put a 90 day delinquency on all my credit reports in XXXX   2019.  Their internal records have been updated, however, they failed to update the credit bureaus of the error and to make the correction to all 10 of my loans which they are reporting.  I was advised I had to go through a process to have the information corrected despite the fact they had already been notified and had updated their internal records.
Consumer complaint received 2023-06-07
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. (GA)

I am submitting my complain for you to notify or to inform you that I am a victim of identity theft and I need these inquiries on my file be deleted immediately. Please hurriedly check the date presented as I think it may be a possible mistake. Remove these informations from appearing on my credit report. These inquiries I am complaning should be disposed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I am once again responding to the previous complaints that I have made against this company. I stand firm in the fact that I did not consent to have this vehicle in my name. The only document I signed regarding this vehicle was giving XXXX permission to deposit the post-dated check that I provided as part of the down payment for the vehicle. 
I have inspected the document that Credit Acceptance submitted as the signature page and, once again, I did not sign this document. Not sure if my signature was transposed onto this document but I did not knowingly sign it. I have gone to the town where the car was originally purchased -- XXXX XXXX AL -- but the car lot no longer exists. 
I have been doing research on this company and I've noticed a lot of complaints similar to mine. 

Because Credit Acceptance is adamant that I willingly consented to this contract, I will instead dispute the validity of the contract, based on federal and state laws.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (NC)

I have been having nothing but false promises with this bank from day one from personal to business checking accounts. They were running a special that if you open the account with us you will get {$300.00}. Once you open the account they can't figure out the codes to apply the {$300.00} special. They advertise you won't get overdrafts with them. However, I have been getting nothing but overdrafts. I asked them to set up overdraft protection after they kept saying they could not get the system to refund the overdrafts but today was the final straw. I did my due diligence to protect my accounts. I went in and set up overdraft and they overdrafted me again on the XXXX. I went in to the branch today she said I am sorry but it was not set up correctly but I will fix it. The same response as before I requested a refund but the system won't give the refund. This is not fair and they know it is their error. She claimed there is nothing she can do at the Truist at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I see numerous complaints on XXXX but nothing is being done about their false promises about giving the promotional dollars or the overdrafts. They are not taking responsibility by saying the system won't refund the error for the overdraft fees. There are humans in the branch that can not function in an ethical manner because they are hiding behind the computer. I would like my {$36.00} overdraft fee refunded because I have done all I can do to protect my account and they are not being honest. The money was available and I did my part.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I am a victim of identity theft. I am writing to request that you DELETE the following Incorrect information from my credit report. 
XXXX  XXXX Bankruptcy Filed XXXX XXXX  XXXX Bankruptcy Discharged XXXX