davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (NJ)

Last month I received a phone call for my husband from XXXX XXXX XXXX saying he owed money and if I did not pay today it would be sent to litigation. The debt was Wachovia/wells Fargo, and account that we have never had. I had my husband call to get more information and they became very nasty with him. I called back asking for documentation on the debt because i did not think it was our debt and they became aggressive. They did email my husband something saying how much he owed, and I called back and asked to be emailed a copy, and the dollar amounts did not match. I called Wells Fargo and went over the above and verified that we have never had an account with them and I sent them the emails the XXXX sent to us and they started a fraud investigation. Yesterday I received another collections letter in the mail from the. Still trying to collect this debt. These people have my husbands full social security number ( we did not give it to them )
Consumer complaint received 2023-07-30
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: EQUIFAX, INC. (FL)

On XX/XX/2023, I pulled my credit report and saw a long list of inquiries that I did not initiate. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In generals. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no others : ( F ) otherwise has a legitimate business needed for the informations ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraphs ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. 

The hard and soft inquiries noted in the attached credit report are unauthorized. 

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identifications of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any action by the consumer.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

The XXXX XXXX Branch has had an ongoing problem with the ATM XXXX. On four specific occasions while using the machine all of the sudden the machine took my card and would not return it. I could not withdraw any money in my account and literally had to go without adequate money for the weekend. Each time I confronted the Branch Manager and he indicated he was sorry, but he did not bother to fix the problem. I did contact the Corporate in XXXX XXXX, MN without any success. By not allowing me access to my money the Bank in essence had financial gain since it was able to keep my money during and make interest on it at a time that I needed it. This is an act of Fraud.
Consumer complaint received 2017-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Persolve, LLC - Legal - Series 2 (CA)

For the first time a '' Memorandum of costs after judgment of accured interest '' dated  XX/XX/XXXX  was mailed to my old address from  Persolve LLC  case #  XXXX   XXXX  Courthouse?! It was a long time before I could find any case info because the website indicates  XXXX   XXXX  Courthouse not  XXXX . I was shocked to find out this Company filed summons  XX/XX/XXXX , got judgment in     XX/XX/XXXX .  I was never informed, called, served or anything mailed to me for 7 years!!!!   This  Company filed Writ of Execution  to  XXXX  County  XX/XX/XXXX . In  XX/XX/XXXX 7 they garnished my Bank account and took money!!!!!! I filed Claim of Exemption  XX/XX/XXXX .that was mailed to wrong address again after I gave the Sheriff correct address and phone number. I do n't know who this  Company is or owe anything to them. How can the Court o rder against me without giving me a fair chance to defend my self. I ca n't explain how violated I feel. I am  XXXX . My only income is from  XXXX . I am a   XXXX   XXXX   XXXX  . How can they do this to me? It is hard to deal with day to day suffering from my illness.   BUT THEY MANAGED TO STEAL MY MONEY. I have court on  XXXX  because Persolve filed notice of opposition to claim of exemption???? I have contacted  XXXX ,  XXXX   XXXX  and  XXXX  they have no records of any negative accounts. It is deceptive collection practices and misleading the  Court, The Judge, The Law  and myself. I need some one that will stand up for me and stop others from being unfairly taken advantage of.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

i had a credit card with commenity capital which was closed and paid off in XXXX, i then recieve numerous calls 2 months later saying i owed and having a late payment reported to the credit beureu i have tried to get this corrected but have not succeded and have just had a late pay added to my credit report.
Consumer complaint received 2023-08-14
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. (NJ)

As of XX/XX/2023 XXXX, XXXX and Transunion corporations are reporting inaccurate and unverified information on their public database without my expressed written consent. On XX/XX/2023 a dispute letter was received by each company however none of the derogatory reports have been deleted or removed. Since I have the right to have access to extension of credit, I am submitting a complaint against the above-listed companies for the harm incurred.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 8th 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. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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. (MO)

I submitted a letter to Equifax on XX/XX/22 to update this suspicious information. I think they have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Ive recently obtained my current consumer report and i noticed that there were incorrect spellings or variations of my name and as well as wrong addresses littered all over my report that needs to be removed, My name only has one correct spelling, and there should be no variations listed because my name has no variations once those changes are made i need to be sent an updated copy of the changes. I'm here hoping that the CFPB can get me some better results.to make it easier attached with this complaint is a Dispute letter of the changes that need to be removed and also my identification to prove my identity and also the correct spelling of my entire full name and my correct and current address.
Consumer complaint received 2022-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I went to this XXXXXXXX XXXX in XXXX ky and signed a credit application thru credit acceptance got approved with XXXX I paid a down payment of XXXX plus gap protection of XXXX and the loan company let the car lot change my price and forged my signature and my husband signature and they know that hes lying and they will not fix this and they are going along with him and the loan company said they dont even ask for down payments nor gap XXXX XXXX XXXXXXXX ran off with my money and vehicle and XXXX XXXX said they was going to fix my vehicle before and havent done anything
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (MI)

Got debt collection notice in mail today from XXXX XXXX XXXX of XXXX XXXX Notice was in Spanish. 

Called XXXX XXXX XXXX at XXXX to ask for an English-language copy. Agent said she would send one and it would arrive in 7 to 10 business days. 

Filed a complaint against XXXX XXXX XXXX with the State Attorney Generals office. 

Called CITIBANK to see if debt may have been based on identity theft. Agent told me that no account existed in my name or under my social security number. So question remains how did XXXX XXXX XXXX tie me to this debt, if a real debt it is. Did XXXX invent the debt? 

Contacted my lawyer XXXX XXXX in XXXX, MI. Told me to send certified letter and what to put in it. Did so, which XXXX XXXX XXXX received. 

On XX/XX/2018, XXXX XXXX XXXX sent me another notice also in Spanish. 

On XX/XX/2018 XXXX XXXX XXXX responded to my certified letter of XX/XX/2018. This response was composed of an explanation of where the debt came from but did not contain any supporting evidence beyond what it claimed appeared in an electronic file indicating the debt. 

XXXX XXXX XXXX never responded to the fact that the debt was incurred via a CITIBANK credit card, which I do not have and, moreover, CITIBANK has no record of me owning one. CITIBANK checked its records via my name and social security number. 

Will send another certified letter demanding payment history, one from CITIBANK itself. ( Haven't sent as of XX/XX/2018 ). 

XXXX XXXX XXXX has not provided anything beyond what it said appeared in the Sellers records. 

Called XXXX XXXX at around XXXX XXXX. Wanted more information about lack of detail in response to my certified letter. Spoke to XXXX XXXX in dispute department. She thought it unusual that the notices were in Spanish and that the billing address was in California. She promised to do more research and that I should call her in a week. I told her I wanted a letter from XXXX XXXX indicating all of the information it had on the information she told me or I would pursue matters with the Michigan State Attorney Generals office. Earlier in the conversation she indicated that the AGs office contacted XXXX XXXX. 

On XX/XX/2018 XXXX XXXX XXXX send copy of billing statement from a Sears in Spanish indicating the debt of {$360.00} and giving the address to sent the amount to Sears Credit Cards. I thought the debt was incurred via a CITIBANK credit  card. I also got the address of the person or persons who made the purchase. XXXX XXXX XXXX never bothered apparently to check to see if the address was valid. It isn't. I looked for it in XXXX I also got from XXXX XXXX XXXX a form for filing a dispute related to identity theft/fraud in which I am to include my social security and driver 's license numbers. 

I just called my lawyer 's office.
Consumer complaint received 2018-12-12
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. (CA)

IDentity theft occured using my personal Information, XXXX and XXXX  have both removed the fraudulent accounts but Equifax refuses. 

I have contacted my police dept and filed an identity theft report as requested from Equifax.
Consumer complaint received 2022-12-13
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX name XXXX XXXX and number 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 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

Received the following promotional email from Citi : Just make 3 XXXX purchases of {$30.00} or more now through XX/XX/2018. 

Citi Logo View in Browser XXXX XXXX XXXX Icon Cardmember since : 2018 | Account ending in : XXXX Citi Premier Card AN EXCLUSIVE HOLIDAY OFFER FROM CITI Gifts for them. Plus a gift for you. 

Learn how you can earn a onetime {$30.00} statement credit below. 

Man and his son sledding down a hill, next to a photo of a sled on XXXX. 

Earn a onetime {$30.00} statement credit after you make at least three XXXX purchases of {$30.00} or more each with your Citi card between XX/XX/2018 and XX/XX/2018. 

You will receive a onetime {$30.00} statement credit after you make at least three purchases of {$30.00} or more each at XXXX with your Citi credit card. Your purchases must post to your account between XX/XX/2018 and XX/XX/2018. The statement credit will be applied to your account within 2 billing cycles after the eligible purchases are posted. 

In order to qualify for this offer, the account must be open and current at all times. If your account is closed for any reason, including if you convert to another card product, you may no longer be eligible for this offer. This promotional offer is non-transferrable and applies to the account ending in the last 4 digits referenced in this offer. 

I met the terms of the offer completely and confirmed this with an online Citi representative who assured me that the {$30.00} statement credit would post within 48 hours. It did not. 

Citi has denied me several bonuses due to poor technology, poor communication, and an extremely flawed website. I have grown weary of their incompetence and would like to request a {$30.00} statement credit as soon as possible.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (MA)

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 2018-04-25
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: Navient Solutions, LLC. (FL)

I worked in XXXX XXXX for 19 years. I was told that the remaining balances on my student loan would be forgiven last year due to my duties in XXXX XXXX. This did not occur.
Consumer complaint received 2018-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I was using an app called " XXXX  '' which allows people to sell stuff online. So I got in contact with someone who claims to be part of a company called " XXXX XXXX XXXX XXXX '' and she was selling an XXXX for {$170.00}. I got her number and email which we used to contact each other. Then I paid her through an app called " XXXX '' and she told me XXXX would hold the money until I receive the phone but I have not received it yet. She told me I would receive it Monday afternoon. She also gave me two different tracking numbers to track my package but I can't track them at all. I try to call her, but my calls are rejected. She doesn't answer any of my messages in both mobile and email. I already contacted XXXX  and they said transactions are on the spot payment so XXXX has already received my money and I have not received my phone and I have no idea where it is. Will you please help me? I will give her contact information when you respond.
Consumer complaint received 2018-12-12
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. (NY)

XXXX  / Transunion / XXXX / XXXX  I am the victim of Identity Theft. 

The criminal completed credit applications ( over 47 ) using my Social Security number and someone else 's name and another person 's address. The credit bureau 's upon being contacted for credit checks by car dealerships DID NOT ( in protection of my information ) respond with facts - to the financial institutions by letting them know that this application 's information does not match with the social security number. THEY instead added the criminal 's information to my credit report. I now have several variations of my name listed, different dates of birth as well as false places of employment. My attempts to speak with them ends in them wanting me to prove these new names/addresses/date of birth are NOT mine yet the criminal did not have to prove anything - the criminal 's information did not match my factual information and yet the credit bureaus ADDED their info to my report. NOW they state it is up to me to prove who I am to have it removed. he credit companies will not review my report with me because I am unable to answer their questions. I am unable to because the information is no longer mine. One of the questions was : Out of the list of 5 places of employment please tell which two you worked at. I did not work at two of the ones listed and answered honestly and was told since I could not answer the question they could not discuss further the information on my report. THEY PUT THAT INFO there. They altered the truth/facts by copying info off a fraudulent application. 

They also did NOT notify me of the mass amounts of inquiries ( over 47 ) and purchase of 5 vehicles all within a matter of days of one another. 

Nobody should be adding information to a credit report that alters the person 's identity.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent this account in multiple times and nothing has been done about it, its reporting errors on my credit report and needs to be deleted this needs to be fixed and my personal information needs to be updated this is affecting my life.