davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-29
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)

While I was out of the country. Dates when I went to XXXX XXXX. I noticed many unauthorized transactions occurring on my checking acct. There transaction also occurring at different locations ( XXXX XXXX XXXXXXXX ) which I was not is those locations. I called my bank immediately and filed the fraud claims. During my stay in XXXX, I received an email stating that the found no error on those transactions and closed my claim. Once I was back in the XXXX. I called my bank to figure out what happened to my claim and they simply said after the investigation, we have reviewed and find that there was no error made or see any suspicious transactions on your account. Claim has been closed. They say theres nothing further they can do. Perhaps try reaching out to the merchants and file a claim with them. PLEASE HELP ME PLEASE!!! I really need my money. Thank for your help in advance! 
Below are the amount and dates for all the unauthorized transactions : XXXX XXXX XXXX 
XXXX. {$140.00} XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX {$83.00} XXXX XXXX XXXXXXXX XXXX. {$110.00} XXXX XXXX XXXX. 
XXXX. {$96.00} XXXX XXXX XXXXXXXX XXXX XXXX {$73.00} XXXX XXXX XXXX XXXX 
XXXX. {$11.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX {$67.00} XXXX XXXXXXXX XXXX 
XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX {$41.00}
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CORELOGIC INC (MA)

XXXX XXXX  officer XXXX XXXX ( XXXX  XXXX ) requested permission to run a hard inquiry on my credit. I did not get my consent for this pull. They ran my credit anyways. This is a flagrant disregard for FCRA.
Consumer complaint received 2023-08-03
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1400.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (SC)

I called Experian on today XX/XX/2017, so dispute several inaccurate account on my credit report. and the rep stated that I could not dispute the items again because they were disputed once and the creditors does n't have to provide any validation of the accounts, they only have to update the information. The rep stated that its not Experians job to request documentation to validate anything and that 's my problem. the accounts that I am disputing are XXXX XXXX, XXXX # XXXX, and XXXX # XXXX due to the fact there is no contract between myself and those creditors.
Consumer complaint received 2022-12-22
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

XXXX XXXX # : XXXX This account is fraud. I did not open this account nor authorize anyone to open this account on my behalf. Please delete from my credit asap. 
This has been an ongoing issue without resolution. Please delete asap. Please see the attached documents.
Consumer complaint received 2022-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M.A.R.S., Inc. (TX)

Reporting invalidated and unverified information to consumer reporting agencies. Buying my Personal Information without my written consent which is an invasion of my privacy. Reporting an alleged debt of {$1100.00} when there is no written contract between me and MARS INC. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my consumer reputation. Violations of 15 USC 1692d ( 2 ) -using obscene language that I, the consumer find abusive.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX stated that the bankruptcy was validated through XXXX Bankruptcy court. The courts provided me with a document stating they do not validate through credit bureaus or any other third party companies
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My pay check was deposited yesterday and at midnight tonight was to Huntington Bank. They are then showing that it is there AND the balance is showing available funds over {$1000.00} yet I cant pull money out of an ATM. I cant buy gas which I needed this morning to get to work. I almost always get gas Friday morning or afternoon as its pay day. 

I call and what a treat the automated system is to get thru to a person. 

To be told its processing. 

IT SAYS AVAILABLE! They have my money, and its reported AVAILABLE and CURRENT BALANCE. 

What is the bank in another time zone then me? If it says these words that means the present time we are both in. which mans now. Not whenever they feel like releasing my paycheck so I can get gas to get to work.
Consumer complaint received 2021-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NE)

Chase bank finance a XXXX  truck for me and it was totaled due to flooding Well at end when finished and they gave final amount owed to my insurace company and gap in and it was payed off they still reporting a padt due amount 4 years later and had 8 months lated over due payments after claim was filed!
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-08
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. (NY)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove.
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (NY)

On XX/XX/XXXX, I located a rental listing for a house for rent in XXXX. I contacted the person who listed the house, and was in continuous communication with said person over the course of a XXXX discussing rental fees, deposits and rent. I sent an application fee of {$50.00} via XXXX on XX/XX/XXXX, along with my credit scores. Upon learning I was approved to rent this property, I was asked to sign a lease and to send {$500.00} via XXXX, and {$500.00} via Chime Bank in app Pay Anyone feature, totaling {$1000.00}. I sent the signed lease and deposit and was told the keys to the property would be sent via XXXX once XXXX XXXX rent was paid. On XX/XX/XXXX, I sent the XXXX XXXX XXXX rent via Chime Bank in app Pay Anyone feature totaling {$1000.00}. After sending the money, I was made aware that the person I was in contact with was not the owner of the property, and the property was under contract for sale and not for rent. I tried to contact the person I was emailing with, and all accounts associated with said person were XXXX, and I was unable to get my money back. I then spoke with a colleague, who advised that the XXXX XXXX '' who drafted the lease, was not in fact a XXXX XXXX XXXX XXXX. I contacted my bank, who advised that there was nothing they could do as I technically sent the money to the correct user.
Consumer complaint received 2017-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

CMRE, account number  XXXX  is an ever increasing debt on my credit reports,   XXXX    AND  XXXX  I dis puted the debt with  XXXX  and it came back verified.I, in my dispute told CMRE and  XXXX  this : I had treatment at  XXXX   XXXX  After  the treatment I received a bill ... I wrote to the hospital explaining my difficulty in paying as I was homeless, broke and sick at the time.  XXXX   XXXX   sent a letter saying not to be concerned ; that  XXXX   XXXX  had a " homeless fund '' that they could dip into and cover my bill.They said not to worry about it that it would be covered by them and paid completely.I received no more bills or contact from anyone including CMRE.I have never had a debt validation notice from CMRE, yet according to  XXXX  they investigated and " verified '' to  XXXX .The letter sent to me is in the files of  XXXX   XXXX   XXXX   XXXX .   I have not as yet come up with or been able to find my copy of their letter as it was about 5 years ago ... but my girlfriend and I would n't have thrown it away and may come up with it shortly ... ..Nevertheless.  XXXX   XXXX    XXXX   XXXX  HAS A  COMPUTERIZED RECORD OF THEIR CORRESPONDENCE WITH ME.
Consumer complaint received 2023-08-16
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. (NY)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-18
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: EQUIFAX, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/2022 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} XXXX XXXX XX/XX/2022. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

I have made several disputes with the each credit bureaus and with the XXXX as well as contacting XXXX XXXX in regards to this matter. I am coming to CFPB to get an resolution. 

My complaint is XXXX XXXX XXXX XXXX is reporting fraudulent charges to professional debt credit company claiming I owe {$820.00} because I have threatened to take them to court for heavy mold in my apartment. Instead of taking them to court, I went ahead relocate my family. I surrender the unit back in XXXX or XX/XX/XXXX. In retaliation the apartment Manager at the time XXXX made false allegations against me. She have tried multiple time to find ways to get me evicted but no success. I recently discovered that XXXX were the individual who filed an false DCF complaint against me in XX/XX/XXXX. I dont know how the charges came about, but I do know before I surrender the unit she increased my rent to the maximum amount around XXXX something dollars. I paid my rent for that month and still moved out. I have listed the complaint numbers below. 
-Complaint ID # : XXXX Back in XX/XX/XXXX. 
-complaint # XXXX new claim filed XX/XX/XXXX. 

Please help me resolve this matter because is Hindering me with applying to other apartment complexes. I dont owe them!! Thanks!!
Consumer complaint received 2023-03-14
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. (AR)

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, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; DPT EDXXXX XXXX Balance Owed XXXX {$0.00} ; DPT ED/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed XXXX {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-17
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

I have been attempting to cancel my experian credit tracker account for two days. To cancel my account requires a telephone call as experian will not allow cancellation by any other means. I have been on hold for over three hours on each call I have made. There is no option to speak with a live person. There is also no information during the call that I am in line or how long the wait time will be. Its fairly clear that this is a common issue based upon an internet search of Experian where hundreds of people have reported the same problem with average wait times of 2-4 hours. My call have been placed on XXXX and XXXX. I am currently on hold as I type this. I have been on hold again for 40 minutes. My Membership ID is XXXX.
Consumer complaint received 2016-10-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OH)

I obtained a modification in XXXX of this year. In XXXX, Nationstar Mortgage said my exhusband should have signed the papers because he was on the original mortgage. I was fine with this until they also added him to the note. He was never on the note. I did not need a cosigner for the loan or the modification. They refuse to remove him from the note and insist that he signs it. They told me that a Promissory Note is not a note for payment. They told me that a Note means different things in different states. I am now faced with applying for a new modification and they have told me that it will be refused if he does n't sign.
Consumer complaint received 2023-06-26
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2022-11-29
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. (PA)

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX  XXXX Act Name : 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.