davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (OH)

Fortiva credit card/ was called back in XXXX of 2021, regarding the account being closed and consumer explain the reason for the request to close account, I asked for a close out letter explaining my options and amount owed, instead the account was still open to allowing the Fortiva to access the auto payment system of {$55.00} withdrawal from my checking account with XXXX XXXX  XXXX this went unnoticed for several months, until I called customer service regarding the auto payments, and the maintenance fees attached to this account each month.. again I requested the stop payment on the account and the maintenance fees, I left several emails to the customer service/ disputing the charges... I specifically asked in my correspondence that I wasn't happy or satisfied with the services provided, this account was in good standing prior years, now its in default with a negative impact on my credit report..
Consumer complaint received 2023-01-04
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. (OH)

While reviewing my report again, I found several inaccuracies which are once again causing my home loan application to be turned down through XXXX XXXX. I have sent repeated letters to the respective companies, and this is my last attempt before taking legal action. My attorney suggested I send this last letter. I would very much appreciate you deleting the following mistakes on my credit report. Enclosed. you will find copies of the necessary documentation that will correct the information you XXXX have received in error, along with a copy of the credit report in question. The items referred to below and needs to be deleted from my credit report. 

XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ( Closed ) # XXXX I have had my life on hold now for XXXX years trying to fix my credit report. The mortgage professionals at XXXX XXXX XXXX XXXX XXXX, have informed me that need to get these items taken off my credit report as soon as possible, because it is inaccurate and needs to be fixed. 

Thank you for your assistance.
Consumer complaint received 2023-04-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (UT)

An ACH originated by Axos was debited from my XXXX XXXX on XX/XX/2023 for $ XXXX. As a veteran banker, i am well aware that would be the date that the funds are received by Axos. Per Axos Ts and Cs, interest is earned once funds are received. I asked for 5 days of credit since they did not start accruing interest until XX/XX/2023. I received a reply after my last complaint that only addressed future accruals. When I asked for my 5 days of interest again, Axos sent me the exact email they had sent in reply to my original complaint. No resolution to the issue at hand.
Consumer complaint received 2022-10-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NV)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2016-07-08
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (AZ)

A fraudulent transaction, in the amount of {$42000.00} was authorized for payment from a savings account at Wells Fargo Bank. The " pending '' transaction description detail " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' was noticed after logging into mobile banking on the morning of XXXX XXXX. At the same time it was also discovered that XXXX other transactions posted as ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX were posted on XXXX XXXX. These transactions were not authorized by the account holder. 

I contacted Wells Fargo who submitted a claim and attempted to put a hold on the pending transaction but was told that the funds were gone - I know this is incorrect since the daily processing had not yet occurred. I inquired as to how it is that a transaction of these amounts on an account that has never been authorized to do business with either of these companies / individuals would not be considered suspicious. I raised my concerns that XXXX and other regulations were not being followed with appropriate fraud monitoring. I was told that since someone had intercepted the routing and account numbers there was nothing they could do. I informed them that I was n't sure how I could trust Wells Fargo to act as a fiduciary of my accounts if this kind of activity could occur without monitoring. I also informed them that I recently opened a HELOC with Wells Fargo where I was asked to provide this savings account statement for underwriting purposes. I contacted XXXX but was told they would not do anything until Wells Fargo contacted them. I contacted XXXX XXXX XXXX, XXXX but as of the submission of this complaint was unable to reach anyone. 

My complaint is around non-compliance with XXXX, fraud monitoring and information sharing.
Consumer complaint received 2023-01-04
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. (OH)

While reviewing my report again, I found several inaccuracies which are once again causing my home loan application to be turned down through XXXX XXXX I have sent repeated letters to the respective companies, and this is my last attempt before taking legal action. My attorney suggested I send this last letter. I would very much appreciate you deleting the following mistakes on my credit report. Enclosed. you will find copies of the necessary documentation that will correct the information you XXXX have received in error, along with a copy of the credit report in question. The items referred to below and needs to be deleted from my credit report. 

XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ( Closed ) # XXXX I have had my life on hold now for XXXX years trying to fix my credit report. The mortgage professionals at XXXX XXXX XXXX XXXX XXXX, have informed me that need to get these items taken off my credit report as soon as possible, because it is inaccurate and needs to be fixed. 

Thank you for your assistance.
Consumer complaint received 2023-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

Dear Chase Inc, You closed my account ending in XXXX due to the reason of " Too many requests for credit or reviews of credit ''. This is highly inaccurate as I just checked my credit reports for all 3 major and 5 other minor credit bureaus. They stated my credit requests and reviews of credit are below average and should not have prompted Chase to close my credit card accounts. Chase Inc has a flawed system stating false information. I will sue if my credit card accounts aren't restored due to a system error. My credit reports are all frozen, even from minor credit bureaus so how was this " too many requests for credit or reviews of credit '' even triggered a random shutdown of all of my accounts?
Consumer complaint received 2023-02-02
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Consumer complaint received 2023-04-30
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: Professional Debt Mediation, Inc. (PA)

I did not receive a written notice known as a debt validation letter within five days of XXXX XXXX initial attempt to contact me. XXXX XXXX is in violation of my consumer rights, infringing upon my right to privacy. XXXX XXXX purchased my information without my consent. XXXX XXXX shared my information to CFPB and all 3 credit bureaus. This account is a charge-off means the lender or creditor has written the account off as a loss, and the account is closed to future charges, which also means the original creditor filed this account on there taxes and received money.
Consumer complaint received 2023-09-28
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. (FL)

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Re : Dispute of Multiple Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy and validity of several items that have been reported on my credit reports from TransUnion, XXXX, and XXXX. The details of the disputed accounts are as follows : Account 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 Upon review, I have identified discrepancies in these accounts that I never authorized. As mandated by the Fair Credit Reporting Act ( FCRA ) 1681b, credit reporting agencies can only furnish reports for permissible purposes. I have not provided written authorization for the aforementioned accounts to be reported on my credit reports, indicating a potential violation of the FCRA. 

For your reference, I have enclosed pertinent documentation which includes proof of my identity, current address, and other crucial details, encompassing my social security card, ID, passport, driver 's license, and insurance card. 

Per 15 USC 1681c-2 and 15 U.S.C 1681 Sections 602 A & 604 A, Section 2, I assert my right to privacy and the inaccuracy of unauthorized entries on my credit report. I demand the removal of the above-mentioned accounts from my credit reports within 24 hours. 

Please find attached a detailed list of the inaccuracies and disputes for your convenience. 

I await your prompt resolution on these matters and expect confirmation of the rectifications on my credit reports. Your immediate attention to this matter is crucial. 

Thank you for your understanding and cooperation.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In XXXX of XXXX i tried to settle a debt with portfolio recovery for less than the full amount and made arrangements with the collection company which held the debt. They aggreged to a set amount and then when I made the payment they did not treat it as a settled in full for a less amount, but instead tried to make me pay the remaining amount. So i then called and cancelled my payment as that was not the agreement I made with the company. 

After waiting to receive my payment back, i then tried calling back to settle this account during XXXX of XXXX. I offered to pay in full for a lesser amount! After talking with the representative and making my terms very clear that if they took my payment that the account would be paid in full. I then sent in my payment to the company and again they applied it as a payment to the amount and not a settlement agreement to pay this off for a lesser amount. 

I then tried to speak with a supervisor at the company who explained that they couldn't credit the account that way. That it would be a multi step process to accomplish wanted i want and it couldn't be credited as paid in full. So instead of doing it the way i requested it be done and the way that me and the representative agreed to it they just processed my payment the way that benefited them best and disregarded the agreement we had made on the phone for this payment.
Consumer complaint received 2023-07-25
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)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 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 2022-10-21
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)

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  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Bankruptcy # XXXX, has violated my rights 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 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 2021-06-30
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: EQUIFAX, INC. (SC)

This account suddenly reported on my credit and I have no idea what it is as XX/XX/2021 has been paid so this can not be truly a XX/XX/2021 bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of SC a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of SC. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.
Consumer complaint received 2023-05-26
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. (PA)

This is XXXX XXXX XXXX please 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 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have disputed a collection from XXXX and XXXX and a collection from XXXX that appear on my credit reports numerous times for Identity Theft. I have a notation on my credit reports that this occurred. I found out from a previous employer that someone had been using my full identity for many months and had gone as far as filing an unemployment claim with the state of Illinois against my employer. The State of Illinois investigated and found that this was indeed Identity Theft. At that time, they advised that they had handled the issue, notated my records and I did not need to file a report with the local police. Since then, I have found out through my credit reports that that there were multiple loans and credit cards taken out around this same time using my stolen drivers license, social security card, and employer information and most of them were investigated and found to be due to Identity Theft and removed. However, these two continue to remain. Attached is a copy of the fraudulent unemployment claim that spanned from XXXX through XXXX. Please help.
Consumer complaint received 2022-10-21
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-01-04
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TN)

My truck was broken into XXXX years ago, and my computer bag, laptop, passport, and other documents were inside. Shortly after that, I became plagued with identity theft fraud. Someone opened up a business account and or loan with XXXX XXXX under my name. I have submitted documentation to the bank regarding the fraud, and to date, it has not been rectified. I am requesting for the account to be deleted from credit bureau reports and for collection activity to cease and desist.