davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
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. (IL)

I sent a letter on XX/XX/2020 to the credit bureau regarding inaccurate and unknown items on my credit report. It has been more than 60 days. My identity was stolen in the XXXX Data Breach. As a United States citizen, I do not feel protected and it seems to be that I am being taken advantage based off of my living zip code. According to Section 611 ( a ), it states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so it should be deleted promptly. I demand All inaccurate accounts that were mentioned in my letter and on my account with unverifiable/Inaccurate Account Number, Open Date, Closing Date, Date of Last Activity, Last Payment, and Date Reported should be delete at once.
Consumer complaint received 2017-03-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

Applied for a mortgage, the process is going slowly ( nine months so far! ) and the lender has checked my credit report probably six times for the same loan. Experian is now claims that my credit score has lost XXXX points ( it was XXXX, it is now XXXX ) because of " too many inquiries ''. This lender checks my credit constantly, and my FICO score goes down each time. 
I tried to get an online credit report from them, it downloaded, but my computer crashed, and everything disappeared. I wrote to Experian to get them to send me a hard copy and they have completely ignored me. 
I ca n't even defend myself - I have lost XXXX points off my FICO score for no reason at all, and nobody seems to give a XXXX. I have never been late on a mortgage payment in my entire life ( and I 'm XXXX ), and have n't had a 30 day late since 1972. It is n't easy to get an XXXX FICO score, and I do n't want to lose it and pay extra interest because Experian ca n't be bothered to fix the credit report.
Consumer complaint received 2022-04-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SYNCHRONY FINANCIAL (TN)

The debt is from 2007 ( over 6 years in the state of Tennessee ) They have NEVER read me the XXXX XXXX They called my father and left a Complaint number and told him I could be arrested for failure to appear because they had been trying to reach me and sent a sheriff to my home. ( It was an old address from 3 years ago ) and left my dad a phone number and case number I called them and they told me the same thing. Would not provide proof stated once I paid a portion ( first payment of {$640.00} they could send a letter and stated due to the urgency of the matter by the time I got the letter it would be too late as the papers were waiting to be delivered for the lawsuit I paid XXXX and of XXXX putting the rest on a payment plan in XXXX weeks a {$320.00} was due and I called to make a payment as I was scared to be sued and wages garnished when I called they stated my payment was scheduled to run the following day. I advised them I never gave permission for my card to be kept on file or ran a second time
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-04-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX my California XXXX ID was stolen from a mail truck in my neighborhood. Since that time, the person that stole my ID has tried to open several XXXX XXXX in my name. When they were blocked due to a credit freeze, their next move was to walk into a Chase bank branch on XX/XX/XXXX and approached a bank teller with my XXXX ID. The bank teller, without asking for other proof of identification, proceeded to write my account number out on a withdrawal slip, and give this fraudster {$1500.00} dollars from my savings account. It happened at another branch on XX/XX/XXXX in the amount of {$500.00} dollars. I then was made aware of the funds being stolen. I called Chase, put a lock on my account and was told to go into a branch to change my account numbers. I did so on XX/XX/XXXX. On XX/XX/XXXX while out of town, the person walked into yet another branch and successfully withdrew another {$1500.00} from my savings account. I am working with XXXX to get my funds back, however, Chase keeps denying my claim of fraud saying that since the funds were withdrawn from branches near my home, they believe it was me. Also, according to Chase the signatures look similar, however when you look at the fraudsters attempt at my signature, they misspell my name, why would I misspell my OWN name?!?! I am having to jump through major hoops to get my hard earned money back and the Consumer Finance Protection Bureau needs to know about this!

You should also be aware that there was another withdrawal done from my checking account with just my Real ID in the amount of {$1300.00}. Chase has returned those funds, however, they made the decision to send the refund to my mother! I had asked them to mail me a check since I left Chase bank entirely, they instead did an electronic transfer of {$1300.00} to my mother! When she called on it, they had no explanation as to why they made that decision. 

What's most alarming though is that someone can walk into a branch with just an ID, no other proof and withdraw money from someone's checking/savings account. People need to be made aware of this. 

I have many documents that give proof off all these occurrences including a police report, however, most have personal information on it and I do not want to submit that at this time.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My mortgage company, XXXX XXXX XXXX, purchased XXXX XXXX. They transferred my mortgage to XXXX XXXX  which is now a subsidiary of XXXX. XXXX XXXX  is reporting my mortgage as being modified on the date the transfer was completed. My credit score dropped significantly as a result. My mortgage was NOT modified, it was transferred and I had zero control of that decision. 
I want XXXX XXXX  to remove the false report stating my loan was modified. 
Second, my XX/XX/2019 escrow payment was paid to XXXX and never transferred to XXXX XXXX.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CO)

I closed this credit card with Wells Fargo on either XX/XX/XXXX or XXXX of this year. The account was closed after a significant number of issues with extremely poor customer service. I went to a branch office here on XXXX XXXX in XXXX Colorado. I specifically asked to be able to pay any outstanding balance. To the best of my recollection I paid with cash. I specifically gave instructions not to accept any more charges. I would resolve any charges specifically with merchants. I went home and threw away the credit card. Weeks later I continue to receive mailings and phone calls indicating I owe a balance and late fees. Attempts to resolve the issue with Wells Fargo have been met with continuing confusion and poor customer service.
Consumer complaint received 2022-04-20
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)

FRAUDULENT ACCOUNTS 1. XXXX XXXX account number XXXX XXXX - XXXX XXXX 2. XXXX XXXX  Account Number XXXX XXXXXXXX DEPT OF EDXXXXAccount number XXXX, Loan ( XXXX ) 4. DEPT OF EDXXXX  Account number XXXX, Loan ( XXXX ) I TALKED WITH THE DEPT OF EDXXXX ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE XXXX IS XXXX. I REPORTED TO ED/XXXX  THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING XXXX XXXXXXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXXXXXX XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX
Consumer complaint received 2022-04-20
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. (CA)

FRAUDULENT ACCOUNTS 1. XXXX XXXX account number XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX  Account Number XXXX 3. DEPT OF EDXXXXAccount number XXXX, Loan ( 02 ) 4. DEPT OF EDXXXX Account number XXXX, Loan ( 01 ) I TALKED WITH THE DEPT OF ED/AIDVANTAGE ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE XXXX IS XXXX. I REPORTED TO EDXXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. THE DEPARTMENT OF ED/XXXX  SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING XXXX  XXXX, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH XXXX  XXXX TODAY, XXXX AND XXXX  XXXX IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX
Consumer complaint received 2022-03-24
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. (AZ)

My name is XXXX XXXX and I am a consumer by the law and my information was misused and now I have some false and no XXXX XXXX  accurate accounts on my credit report.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have sent numerous of letters to XXXX, XXXX, TransUnion! We have not heard a response in XXXX business days. By law if nothing is sent in 30 days they are to remove all accounts listed below. Also by law 15 USC 1681i says that there credit investigation would be done with a neighbor and they have not followed the laws. In my letters I stated I was take action. 

These are the accounts below XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and remove all Listed accounts from all bureaus.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-02-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

From XX/XX/XXXX - XX/XX/XXXX someone in XXXX XXXX was using my Bank of America debit card to ordeXXXX XXXX XXXX food deliveries almost every day or every other day. I do not live in that area it is an hour away from me. The orders are from XXXX XXXX and XXXX XXXX mostly. I live in XXXX XXXX XXXX. I literally would not be able to order in food over there because I am never in that area. The restaurants they are ordering from I have never been to. The purchases range from $ XXXX {$120.00}. 

I am gluten free/ XXXX XXXX and sober and most of the purchases are pizza, pasta, fast food, burgers, and alcohol. 

I live in XXXX XXXX XXXX. You can see from my credit card that I mostly use ( XXXX XXXX ) that I am out of town a lot of the dates that these purchases are being ordered on XXXX XXXX to XXXX XXXX and XXXX XXXX. attarched are screenshots of all of these purchases.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All 3 bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. XXXX is showing my payments go from OK to 120 late the next month. XXXX is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.
Consumer complaint received 2023-02-20
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ACCOUNTS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX  ( Original creditor ) XXXX Balance : {$14000.00} ; XXXXXXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$770.00}.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-20
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. (CA)

I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All 3 bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. Equifax is showing my payments go from XXXX to XXXX late the next month. XXXX is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.