davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was denied a bank account with XXXX XXXX due to accounts and transactions that were furnished to my XXXX XXXX XXXX consumer report from Fifth Third Bank. After having XXXX XXXX XXXX investigate the accounts, they confirmed that the information furnished by Fifth Third Bank was not XXXX XXXX complete, accurate, or verified ( I have proof in the attachments ). Under The Fair Credit Reporting Act the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The inaccurate reports caused damage to my financial reputation and humiliation. Also, this information should have never been in my consumer report in the first place because pursuant to 15 USC 1681 ( XXXX ) ( A ) ( i ) a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report is prohibited, especially without my permission.
Consumer complaint received 2023-04-18
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. (PA)

My name is XXXX 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (MS)

On XX/XX/XXXX my car was repossessed.. 
When I set up arrangements and they stated I didn't. There was repossession fee of XXXX XXXX dollars storage fee each day it was storage.Also, a XXXX dollars possess fee. This is unlawful practices!!
Consumer complaint received 2020-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ProCollect, Inc. (NC)

I subleased my apartment to XXXX XXXX when i moved Back to North Carolina in XXXX of 2017 however the amounts are bills to me from pro collect for over {$600.00}
Consumer complaint received 2023-04-18
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. (SC)

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 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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXX
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

Before reading the rest I want to say the screenshots provided are from me and some are from my partner. She was able to provide more pictures for evidence. Also the scammer had a XXXX add for a house and then he said that one was not available anymore and gave my partner another property and sent her images. The company they were pretending to be is an actual company that leases the house but he was not part of their company. 


I got scammed trying to rent a house through a XXXX ad. We just spoke over the phone and had a tour of the house while we spoke with I thought was the landlord at the time but happened to be a scammer. I sent my funds through XXXX and XXXX XXXX and after I found out it was a scam. The funds were sent XX/XX/24 After I found out it was a scam the next day XX/XX/24 I called my bank and I was able to get one payment back which was the one that I sent through XXXX which was {$310.00}. But my bank started and investigation and told me to wait XXXX business days. 

I got a paper in the mail yesterday saying that there was nothing they could do to get the fund back and that they were not going to do anything about it. They told me to call XXXX but XXXX was not able to help they just told me to contact my bank. 


The scammer gave us a fake lease and a ID that was not him.
Consumer complaint received 2024-04-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (TX)

Send paymenr to avid default XX/XX/2024 Well Fargo bank ( mortgage holder ). Instructed XXXX XXXX XXXX  not to accept payment ( demed partial payment ). Putting home owner in Default of loan immediatly start forclouser. 

XXXX XXXXXXXX XXXX  was called XXXX XXXX previously. 

Home owner was XXXX at XXXX XXXX for a month ( XXXX XXXXXXXX ) .. documents was provided, As result of XXXX, had to resign of my XXXX position and Go on tem. Unemployment,,,, douments was provided After recieving default letter which was for {$6100.00} Tried to reach out to lender ( well fargo bank ). Asking for 3 month extention They refuse four attempts to negotiate The amount owed is {$6100.00}. Can easily paid within 4 month But their refusal constitute their desire to take over the property.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NJ)

I am reaching out to address a discrepancy regarding the reporting of my student loan account by Mohela. While Mohela itself reflects a balance of {$0.00}, this information has not been appropriately reported to the credit bureau. As a result, my credit reports continue to display an outstanding student loan balance. 

Despite successfully meeting all requirements of the Public Service Loan Forgiveness ( PSLF ) Program and having my loans forgiven, the failure to update my credit reports has led to ongoing confusion and potential repercussions for my credit score and financial standing. 

I urge the CFPB to investigate this matter and ensure that Mohela promptly updates its reporting to accurately reflect the forgiven status of my loans on all credit reports. It is crucial that this discrepancy be resolved to prevent any further negative impact on my credit profile. 

Thank you for your attention to this matter.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My identity was stolen and someone used it to open accounts in my name. It has been an absolute nightmare and I can't seem to get anything resolved I'm almost at the point of giving up. XXXX keeps sending me a statement they have on file for me for {$210.00} for an account I never heard or opened each time I dispute with them, its getting ridiculous I'm just going in circles with an account I never opened. I've sent my police report number, notarized identity theft affidavit, frozen my credit report, spoke with them on the phone multiple times but all they do is send me mail with the fraudulent account and nothing is ever resolved and they are not interested in helping resolve anything what so ever.
Consumer complaint received 2023-06-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

This complain is to EXPERIAN. I have disputed five times with Experian the collection that XXXX XXXX XXXX XXXX placed in my credit report. Where the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) was violated and validation is requested. I never received any communication from XXXX XXXX XXXX XXXX. EXPERIAN responded that the information was VERIFIED AS ACCURATE. In other words, EXPERIAN is agree that this Act be violated by XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NV)

XXXX n 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 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 2024-04-14
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Someone used my social security information to secure loans and products from XXXX XXXX for XXXX TD Auto finance for XXXX and Capital One for XXXX fraudulently. I submitted XXXX police reports six times 6X 's to the agencies and Major XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX with Notarized Affidavits sent certified postal service that continue to not be unacknowledged and acted upon.
Consumer complaint received 2023-04-18
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. (TX)

I checked my credit report and found that some of the data were incorrect. XXXX is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$30000.00}. Also, I want to dispute this XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (CA)

This is my Second 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 alleged fraud or extortion Chapter XXXX bankruptcy discharged Filed Date : XX/XX/XXXX Reference Number : 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.
Consumer complaint received 2024-07-23
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. (TN)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$3400.00} written off. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX 108 % {$4300.00} XX/XX/XXXX XX/XX/XXXX {$4000.00} - {$4300.00} {$4300.00} Individual I am writing to address an issue with the reporting of my closed credit card account, number XXXX. According to my records, this account was closed at the credit grantors request, and the balance of {$4300.00} has been reported as derogatory.

I have not received a 1099 form related to this account, which is necessary for accurate reporting and tax purposes. Additionally, the account is still being reported as derogatory, despite being closed. This discrepancy needs to be corrected.

Please review the account details and my prior correspondence to rectify the reporting errors. I request that you update the account status and ensure that it accurately reflects that the account was closed and is no longer derogatory. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

The identified transactions on my federally protected consumer file are not transactions furnished on my consumer file by me. no consent is identity theft. these federal laws are to be followed and must not be broken and i have been violated of unlawful acts by XXXX, experian, XXXX and the furnishers of this information. 15 USC 6802 obligations with respect of disclosure of personal information B ) ( 1 ) ( a ) ( b ) ( c ) never was given OPTIONS. they do not have no disclose form i have right to privacy. i have provided necessary documentation of federal consumer protected law which the cra is govered by. 15 USC 1681B ( a ) ( c ) ( 2 ) the unlawful act they have committed needs to be changed before seeking remedy in exchanged. This is the start if an administrative process if this identity theft of my NONPUBLIC personal information is not removed off the file. SEE ATTACHED.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS (GA)

To whom it may concern, I am writing to formally request the suppression of my personal information from your databases. Due to concerns regarding privacy and the security of my personal data, I would like to exercise my right to control the dissemination of my information. 

Please ensure that my personal data is not shared or sold to any third parties. I request that you confirm the suppression of my data in writing within 30 days of receipt of this letter. Below are my details for your reference : Should you require any further information to process my request, please feel free to contact me directly. I appreciate your prompt attention to this matter and look forward to your confirmation that my personal data will no longer be processed or shared. 

Thank you for respecting my privacy and assisting in the protection of my personal information.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquiries due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was subletting my house for summer so I posted it on XXXX and then a scammer texted me to take the house then afterwards their FB account was closed and they texted me as I had given them my phone number. So they text message me to secure a place at my house and then they emailed me a check of {$2500.00} and I replied them I can not upload it as it was above my daily limit so they sent me another check of {$1900.00} and asked me to deposit it. Then they asked me to send the extra money back and hence I XXXX  them {$510.00} dollars at a XXXX account named XXXX XXXX and his email was XXXX on XXXX XXXX, 2024 and asked me for a screenshot. I did the same and sent the money then afterwards when I realised it was a scam I told my bank about the check they checked and told me it was fake check. But now they have closed my bank account and they will send me my funds back but I can not open another account with them. What can I do now as I am an international XXXX in USA. Please help me get my funds back and help resolve the issue with Bank of America. 
Also I have some emails to share about the spammer- XXXX and email I got check from was - XXXX. 
Tha spammer phone number is - XXXX XXXX.