davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
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. (GA)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-09
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. (NC)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MN)

Dear CFPB, I opened a new Citibank Accelerate Savings Account on XX/XX/XXXX, under a promotional offer called the " Level Bonus Offer '', that came through the Citibank mobile application. The promotional offer was for {$450.00} for funding a Citibank Accelerate Savings Account with {$50000.00} or more. 

The promotion had a requirement to have the account funded by the XXXX day after account opening, and keep the funds in the account for 60 calendar days afterwards. Then the bonus was promised to be paid 30 days after completing the funding activities. After signing up through my mobile app - I received an Email confirmation of the promotion from Citi on XXXX XXXX, XXXX. 

It has now been more than 150 days since I open and funded the accounts as required, and more than 40 days have passed since the bonus was supposed to have been granted to me. 

I have called and messaged Citibank 4 or 5 times, each time, the Citibank Customer Service Representative says I qualify for the bonus- they are just slow in issuing the promotion - and to call back in 5 business days. Each time I call back - there is no progress on my dispute. 

A case was raised on XXXX XXXX, XXXX - and on XXXX XXXX, XXXX a response was given as follows : " Unfortunately, XXXX XXXX XXXX was not offered in conjunction with the above account. While Citi does offer cash promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I called back Citi on XXXX XXXX, XXXX- who assured me that I qualify, that this was a mistake, and a new case was opened by Citi and I was assured it would receive escalated attention in 5 business days. I called back on XXXX, XXXX, XXXX - and still no progress on my promotion. 

I have now spent 4-5 hours on the phone or chat with Citibank with no progress - even after escalating to supervisors ( XXXX and XXXX ) XXXX 

I hope to get the bonus and help others going through the same bonus- to be aware of Citi 's issues in honoring their advertised promotions.
Consumer complaint received 2017-03-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

I took a loan out in for approx. {$7000.00} in 1997 from XXXX which was later sold to Springleaf and now to One Main. My agreement made with Springleaf ( One Main ) was I pay a settlement on the loan for {$4500.00}. I have been paying on this faithfully, and will have paid {$4200.00} on XXXX XXXX. ( Regular scheduled payment ) With the balance {$340.00} owed by the end of XXXX - per our agreement. I received a letter from One Main saying that I owe {$6900.00}. They have also been charging me late fees when late fees are NOT MENTIONED in our written agreement. I have paid twice the amount of this loan since the beginning and now three times. I have attached a copy of our agreement and a copy of my payments made. Which confirms the above.
Consumer complaint received 2022-12-22
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. (MD)

In accordance with the Fair Credit Report 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 XXXX  Account # : XXXX 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s-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 this information is inaccurate.
Consumer complaint received 2022-12-22
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. (MD)

In accordance with the Fair Credit Report 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 XXXX XXXX XXXX  # : XXXX 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 USC 1681 s-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 this information is inaccurate.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion dispute XXXX XXXX Reply| Yesterday, XXXX XXXX You I 'm looking at my credit report on XXXX and I 'm attempting to file a dispute with their automated system but it 's not letting me and then I logged into your website and it 's telling me I ca n't file a dispute so now I 'm contacting you through here and hope that you 'll help me file a dispute there are a couple mistakes There are XXXX accounts with this Bank XXXX XXXX shows a balance of {$1900.00} the other shows a balance of {$5800.00} both of these accounts have clearly been compromised and I 've been attempting to resolve this there are numerous fraudulent charges on both accounts both account should be closed immediately XXXX showing a balance of {$5100.00} I have no knowledge of this account this account does not belong to me never has
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I submitted a document from capital one stating that I never had a late payment. I been having the worst experience with XXXX  customer service. A lot of representatives have been hanging up on me and a supervisor is never available when I request one.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

my personal address and employment on my credit reports are incorrect and must be changed. it reflects wrong information PLEASE REMOVE ALL OTHER ADDRESS OFF MY REPORT AS THEY ARE NOT DELIVERABLE TO ME BY US POSTAL OFFICE ANT THEY ARE NOT REPORTABLE PER FRCA SINCE THEY ARE INACCURATE.
Consumer complaint received 2022-11-29
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. (GA)

Dear, Experian there is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified Transactions are not information related to any transaction by me as the consumer. Accounts XXXX XXXX XXXX  ( Opened XXXX XXXX XXXX ( Opened XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  ( opened XXXX ) XXXX ( Opened XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Opened XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened XXXX ) HARD INQUIRIES : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I have also attached a copy of my FTC Report, proof of identity, and proof that i was impacted by the XXXX data breach, I look foward to your response, Thank You.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

In XXXX of 2016, I received a sum of money from my recently deceased grandmother as an inheritance following her passing. The money was a total sum of {$20000.00}. I desperately needed this money, as I had been suffering immensely due to a lack of work and medical expenses. Due to the lack of work, I had fallen approximately XXXX to 3 months behind on some of my bills, including a credit card and XXXX line of credit through Wells Fargo. I planned to catch up on these payments once I deposited the check into my Wells Fargo checking account, which was located at XXXX XXXX XXXX XXXX in XXXX XXXX, California. However, just 4 days after depositing this check on XX/XX/2016, an unauthorized withdrawal of {$8700.00} was debited from my account. There was no prior notice of any kind. 

Upon depositing the check on XXXX the XXXX, I asked the bank teller if it was possible for Wells Fargo to automatically debit this or any money from my checking account to pay for the payments I had fallen behind on. She informed me incorrectly that Wells Fargo did not have authority to take such action without my consent. Approximately XXXX month later on XXXX the XXXX, there was a follow-up deduction of {$1200.00}. At this point, my life had fallen into shambles, and all the money that I had left in this or any bank account was {$1000.00}. I needed this money to catch up on bills, purchase a vehicle, and pay for medical expenses. All of this was taken from me at behest of Wells Fargo. They had blatant disregard for my wellbeing, and in my opinion, stole from me, and left my life in ruins.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

TransUnion made changes to my report but still has a phone number related to identity theft as the phone number in my fraud alert. 

TransUnion has failed to block information related to XXXX account XXXX which had fraudulent activity as result of identity theft as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). I have submitted police reports, identity theft affidavit, proof of identity as well as a statement that I did not receive goods or services as a result of these disputed transactions, and that the request was not due to error or material misrepresentation. 

TransUnion has failed to block the following inquiries as a result of this identity theft even though my identity theft affidavit stated I did n't apply for credit with these lenders : XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
Consumer complaint received 2022-11-30
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. (PA)

XXXX XXXX XXXX XXXX DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-10-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I represent the seller and am her co-listing agent along with XXXX XXXX at XXXX XXXX. We were able to submit a bonafide offer to Wells Fargo and complete the required documentation for a short sale review within 30 days of submitting the offer. 
Then the bank proceeded to state that there were internal issues with the Banks ability to processed the short sale in a timely manner. The bank continued to request information and sometimes even odd requests, like " What is the property address? '' requesting me to send them county records of the address? This continued for well over 6 months, when finally we got an approval letter. Unfortunately the buyer decided to not purchase the home since values were decreasing across the the county and found another property to purchase. We were able to get a new buyer, offer submitted to the bank within 1 business day of the file being removed and could have done it sooner but the closer asked me to wait to submit the new offer so the file could be properly closed out and ready for a new short sale offer to review. 
The real issue is that Wells Fargo told me that the Statue of  Limitations will run out by the XX/XX/XXXXand we wont be able to do a short sale after that date. I have been submitting all the proper documentation and have asked for a variance to extend the " kill date '' since Wells Fargo ate up so many months of having a buyer on board to close. We can close in the next 2 weeks, but cant do anything without a new approval letter and an extension granted to allow the time to get the new approval letter.
Consumer complaint received 2022-12-22
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. (SC)

Over the last year I have been disputing with these 3 companies about the accuracy of my consumer report. Over the year I have been letting them know the laws that they have been violating. As a consumer they are violating a number of my consumer rights. According to 15 US Code 1681e-Compliance procedures ( b ) Accuracy of Reports states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' They have no been reporting accurate information. Also, 15 US Code 1681b-Permissible Purpose of Consumer Report states that without my written permission no one has the right to report anything on my behalf and I NEVER gave these 3 companies written instructions. Please remove these items from my credit report.
Consumer complaint received 2022-11-30
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: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/2018 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 


XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-26
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: Zions Debt Holdings (KY)

Please forward this complaint to your legal advisor. 

On XX/XX/2023 a CFPB complaint was filed against ZIONS DEBT HOLDINGS LLC. ( Ref. XXXX ) This is a dispute regarding a response that was received dated XX/XX/2023. Please convey an original instrument of indebtedness between XXXX XXXX and ZIONS DEBT HOLDINGS LLC or prove that one exists. 

Under the lawful definition of novation, I was never informed in writing nor did I mutually agree to do any business with ZIONS DEBT HOLDINGS LLC. Please inform me why I should submit any payment to this company. A company that is belligerently extorting my character and in violation of 15 USC 1692d ( 4 ) by reporting false information to my consumer reports. 

To date, ZIONS DEBT HOLDINGS LLC has not produced proof of a validated alleged debt nor acknowledged my cease and desist notice sent. ZIONS DEBT HOLDINGS LLC has failed to produce the original instrument of indebtedness to ZIONS DEBT HOLDINGS LLC. ZIONS DEBT HOLDINGS LLC has no permissible purpose to communicate with me in any capacity. 

The instrument sent via CFPB titled " XXXX XXXX XXXX '' does not state that I am the obligated party for payment to ZIONS DEBT HOLDINGS LLC. 

Does this instrument confirm and affirm that I am the obligated party for payment to ZIONS DEBT HOLDINGS LLC? If so, please provide where. 

Since the original instrument has failed to be sent, provide proof that I am the obligated party for repayment. 


There have been unauthorized disclosures of my personal identifying information. Zion Debt Holdings LLC and XXXX are committing aggravated identity theft by fraudulently furnishing this information on my consumer report. The information which appears on my credit report does not relate to any transaction ( s ) that I have made. This information violates my consumer rights and the FCRA, FDCPA, privacy rule 313, and the GLB Act. I did not authorize, or consent to this information. This information was not furnished with my written consent. These companies are coercing me into paying an alleged debt that they failed to provide validation for. This is a violation of 15 USC 1692d ( 4 ) and I believe they are blatantly committing racketeering. I am not liable for this debt with Zions Debt Holdings LLC and do not have a contract with Zions Debt Holdings LLC nor did Zions Debt Holdings LLC make any attempts to notify me of this fraudulent debt directly by mail with the original wet ink signature ( original instrument of indebtedness ). 
I have provided an identity theft report as required by the FCRA listing the accounts that should be blocked and removed. I have also provided opt-out notices from the model disclosures that I found on the CFPB website.