davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX DATE OPEN : XXXX XXXX, XXXX XXXX XXXX   XXXX  DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position
Consumer complaint received 2023-01-23
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. (PA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2019-12-22
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. (AZ)

This company has made a number of errors on my credit report that need your attention immediately.

THEY HAVE RE-AGED BOTH OF MY XXXX  ACCOUNTS! THIS IS A VIOLATION OF MY REPORTING RIGHTS!

XXXX  Account Number:XXXX You are reporting this account as CHARGED OFF/COLLECTION but there is balance reported. It cant be both.YOU ALSO REPORT THE DATE OF LAST ACTIVITY IS XX/XX/XXXX BUT THE ACTUAL DATE IS IN XX/XX/XXXX. NOT POSSIBLE.

XXXX  Account Number:XXXXYou are reporting this account as Derogatory but there are 0 late payments and XXXX past due amount. YOU ALSO REPORT THE DATE OF LAST ACTIVITY IS XX/XX/XXXX BUT THE ACTUAL DATE IS IN XX/XX/XXXX. NOT POSSIBLE.

They said they verified this information but that is not true because this information is inaccurate.
Consumer complaint received 2023-06-28
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. (NC)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and Transunion data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-01-21
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: EQUIFAX, INC. (GA)

Hello, I noticed inaccurate accounts and information on my credit report and contacted the 3 credit bureaus about it ( Equifax, XXXX, and XXXX ). I sent letters asking them to validate these accounts and never received anything in the mail or email from this. It has been well over 30 days and I never received any information and the accounts are still on the report. I also sent letters to these three companies to validate this debt or remove them and they still have not been removed. I know that according to the law they have 30 days to validate or delete it. I have not heard from any of the companies. I sent certified letters and copies of my Identification to show that this is me inquiring about my report but nothing. Can you please help with this issue?
Consumer complaint received 2020-06-08
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2021-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I had a SBA Loan deposited in my citibank account. After a few days use of online purchases Citibank froze my card without a phone call explaining why. I found out at an atm when trying to withdraw money for gas and called their fraud department whom later explained my account was frozen and I needed to go into a bank to prove it was me who requested this deposit which was IN MY NAME which matches my account. They told me once documents were submitted I would either receive a personal phone call or have access to my debit card for use. Here comes over 5-7 business days mind you after submitting my documents to a branch in XXXX XXXX XXXX  CA whose manager whose very kind named XXXX Assisted me and there has yet to be this phone call or yet access to my account. Various representatives have sent various emails to this " back unit '' to whom have NOT called, replied to their emails, or given me access to MY card with MY funds yet. NO response, just that I'm still under review when I personally submitted documents that were emailed by a branch manager and its surpassed this amount of business days and MY LOAN IN MY NAME is on hold.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XXXX I called Wells Fargo to inform them there was some charges I did not authorize I informed them I hadnt received my atm card and that I lost my phone I told agent on XXXX on XXXX agent says claim denied because I never informed that my phone was lost
Consumer complaint received 2020-06-08
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: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/2020 and never heard anything back. So I sent a 30 day comply on XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2019-12-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

I logged into XXXX XXXX to check my credit score and noticed that it has fallen over 41 points and that is because someone has used {$5200.00} from a Sears/CBNA account with a limit of {$6500.00}.

I do not know where this came from, this account is over 26 years old and I do not know how I got the account in the first place.

I strongly believe this is a result of identity theft.
Consumer complaint received 2019-12-27
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. (MN)

Attached to this complaint is a police report and identification information. The following accounts listed on my Experian credit report is fraudulent, unauthorized and not my accounts : XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX Credit Card. The following credit cards are lost/stolen : XXXX XXXX XXXX XXXX Card, XXXX Credit Card and XXXX Credit Card. The Following credit inquiry is fraudulent and unauthorized : XXXX, XX/XX/2019
Consumer complaint received 2019-12-27
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/2024 I wrote XXXX in regard to the furnishing of my private information. My credit reports from Transunion, XXXX and XXXX all reflect private transaction history. 

The definitions in 15 US 1681a ( d ) ( 2 ) ( a ) ( i ) Consumer Report - XXXX, says that a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. 

Usage amounts, credit limit and transaction history are still reflecting on my reports.
Consumer complaint received 2022-04-18
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. (AL)

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 XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXXXXXX XXXX XXXX has violated my rights. 
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 a account without written consent.
Consumer complaint received 2020-06-08
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. (NY)

Account is w/ ( XXXX  ) On my credit report is ( incomplete ) the report is missing numerous months of reporting some times as much as 12 months and XXXX inaccurate ) w/ their reporting of late payments they show paid in XX/XX/XXXX & 90 days late starting XX/XX/XXXX! I have contacted ( XXXX  ) twice by certified mail & US Dept of Educ as directed by all three credit agencies XXXX TransUnion & XXXX but nothing has changed! They keep saying report was ( Updated ) yet it the same report keeps coming back w/ ( No ) changes ( No ) one is reading my letters! I even send them Certified to show proof theyre receiving them! Last ones were for 15 day Method of Verification still ( No ) response!
Consumer complaint received 2020-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (VA)

I signed a contract with XXXX XXXX XXXX XXXX. The contract was dated XXXX XX/XX/XXXX. It provided for a one-year term expiring on XXXX XX/XX/XXXX. The contract provided for auto-renewal on a month-to-month basis after XX/XX/XXXX. During the initial term, I paid the contractual amount each month. After the initial term ended, I allowed the contract to auto-renew monthly for four months, during which time I paid my membership fees on time. 

In XX/XX/XXXX, I provided written notice of termination of the contract pursuant to the Membership Agreement. On XXXX XX/XX/XXXX, I paid the final installment of the membership dues. Subsequently, I canceled the credit card that was previously used to auto-pay the account. 

Without my knowledge, XXXX continued attempting to bill me for my membership despite the expiration of my one-year term and my written cancellation of the monthly contract. They sent me to collections for {$150.00} despite a monthly payment of {$19.00}. 

Aldous and Associates is attempting to collect the debt on their behalf. No one has ever sent me any documentation to support the debt. I never received communication from anyone about it. The only reason I know about it is from my XXXX  report. On XX/XX/XXXX, I sent them a letter asking to see their documentation supporting the legitimacy of the debt. I also offered to pay {$100.00} in exchange for deleting the information from my credit report and discontinuing any attempt to collect it. 

Aldous and Associates refused to produce documentation of the alleged debt when I requested it of them. They declined my settlement offer, saying they would only accept the full amount, and would only report to XXXX  that the debt was " paid in full '' if I paid them. Neither XXXX nor Aldous has obtained the judgment of any court compelling me to pay this amount. I do not owe it.
Consumer complaint received 2020-06-08
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)

Equifax ; XXXX  and XXXX  should not be reporting each inquiry listed as a separate line item on the XXXX XXXX XXXX. These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquires are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only ( 1 ) inquiry for XXXX XXXX XXXX. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-11-21
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: EQUIFAX, INC. (FL)

I am a victim of identity theft. I dont have any bank accounts and Ive been out of the country for years. The only car loan Ive ever had was from XXXX. THE ONLY ADDRESS IVE EVER HAD WAS XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX. The only company I have ever worked for and are presently working for is XXXX XXXX. The only telephone number I have is XXXX. Its been over two months and each company is in violation of my rights. If what I requested is not removed I will take matters up in a civil suit.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2020 I have made two payments on my USAA credit cards. 
The two payments were completed on XX/XX/200 and the amounts were respectively : {$960.00} payment for one USAA credit card {$960.00} payment for the second USAA credit card. 

Both payments were processed by UNFCU card ( please refer to attachment ) on XX/XX/2020 The {$960.00} payment was received and processed by USAA on XX/XX/2020. 
The {$960.00} payment was NEVER processed by USAA. 

I called USAA o Saturday XX/XX/2020 and explain the above cited concern that I have made two credit card payments on XX/XX/2020 and only one payment has been processed and the second payment was not. 
The person at USAA stated that I need to wait up to 10 business days for my payment to be processed. 
Well, it seem to me that USAA is holding the funds for no reason. 

Why the first payment was processed and the second one was not? 
Please refer to attachments. 

Now the USAA credit card payment due date is approaching on XX/XX/2020 and if USAA does nor process the payment, then I must pay the credit card one again on XX/XX/2020. 

I would appreciate receiving your assistance in contacting USAA and request them to process the payment and stop holding the funds. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2024-04-10
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 (MD)

The first week of XX/XX/XXXX 2024, my husband and I checked our checking account at Wells Fargo to ensure we had enough funds in our checking to pay our monthly mortgage and credit card bill. 

Upon logging in, we noticed that {$2800.00} was deducted from a random source in XXXX As we searched the account more, we noticed XXXX other transactions in that exact same amount and XXXX others. The dates are as follows : XX/XX/XXXX24 {$1800.00} XX/XX/XXXX24 {$1800.00} And XX/XX/XXXX24, XX/XX/XXXX24, XXXX/XXXX/24, XX/XX/XXXX/24, XX/XX/XXXX/24 and XX/XX/XXXX/24 {$2800.00} was transferred to the same XXXX XXXX account. 

We notified Wells Fargo immediately. We contacted the police and filed a police report. 

After following up with Wells Fargo on XX/XX/XXXX24 to get an update on our claim, we received an email on XX/XX/XXXX/24 notifying us that our claim was denied and we would not receive our money back. We called and escalated the situation and were not given any explanation. 

Initially and upon receiving news that our claim was rejected we inquired as to how they could not notice these fraudulent deductions?! We asked how we were not ever warned or alerted to these bizarre transactions?! We were given no explanation. We never received an alert. Weve never been to XXXX XXXX in our lives. How could they not protect us and our money? 

Were angry and feel both exposed and frustrated. They provided no report explaining why they denied the claim. We want answers. We want our funds returned.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (FL)

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX TER, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT THE BUREAU Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious THE BUREAU I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1984 ADDRESS XXXX XXXX TER, XXXX, FL XXXX
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

To whom it may concern, I pulled my credit report and found this account with your companys information on my file : Account Name ENHANCED RECOVERY CO L Account Number XXXX This account does not belong to me and I need it to be removed off of my credit report ASAP. According to the FCRA Section 605 ( b ), any fraudulent accounts that are on my credit report must be removed off of there within 4 business days. I have also attached my identity theft report as well. Please resolve this issue in a timely matter. Thank you