davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-13
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. (FL)

I, the natural person, consumer who is protected under the federal law is demanding, that fostered removed/deleted from any and all systems used by the following business : XXXX XXXX XXXX XXXX.I am demanding no further communication, return of property, in regard to the COLLECTION this alleged debt. Lastly, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). I am demanding compensation for damages, willful injury, unlawful accusation, I am demanding compensation and damages under a commercial security agreement including a fee schedule ; for the false claims of an alleged, and unverified without certified mailings, validity of debt, etc. Nothing, for months now this company has " been in review '' of some thing they are willingly doing in unlawfully throughout identity theft and fraud. Equifax, XXXX, And XXXX are still currently reporting information that has not been proven and verified correctly and in violation of FCRA LAWS pursuant to 15 U.S.C. 1681-1681. MY rights to privacy, listing me as the ( DEBTOR ) when I am in fact the authorized user, creditor.
Consumer complaint received 2020-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (AZ)

I received a call from Sequium XXXX for a XXXX account a few months back. I believed it was fraud beacause I currently have XXXX in good standing. I advised the rep that account was not mine, I was disputing. Last week Sequium started reporting negative tradelines. I have already sent them a police report regarding ID theft. Also, disputed through XXXX. I am attempting to purchase a home and would like to get this resolved quickly. Due to Sequiums actions I was unable to close on the home last week.
Consumer complaint received 2020-04-09
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXX   XXXX {$290.00} XXXX XXXX  XXXX {$720.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$220.00} XXXX  XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}
Consumer complaint received 2020-04-09
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)

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXXI XXXX {$290.00} XXXX XXXX XXXX {$720.00} XXXX XXXX  XXXX {$110.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$220.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}
Consumer complaint received 2020-04-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CO)

In early XXXX of 2020 due to the fall of the stock market, which was affected by COVID-19, I called a Wells Fargo plan specialist to rollover my Wells Fargo 401K to an existing Wells Fargo IRA Time Account to avoid money being lost. A few days later, I checked my accounts online and saw a new saving account opened without my knowledge even thought I had never requested for a new account. I have called them numerous times to demand this account to be closed but to no avail.
Consumer complaint received 2020-04-09
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$87.00} XXXX   XXXX {$290.00} XXXXXXXX XXXX XXXX {$720.00} XXXX   XXXX  XXXX {$110.00} XXXX  XXXX  XXXX {$590.00} XXXX   XXXX  XXXX {$670.00} XXXX  XXXX  XXXX {$220.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$23.00}
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (FL)

i opened this account and went through XXXX had to send bank statement ss card and id finally got approved with a XXXX limit, well i went to go use card today and they denied my purchase and froze my account with out notifiing me against the fcra rules then she told me use another form of payment was so embarrasing, first they discrimate against me with a XXXX $ limit now they froze my accoutn bc im XXXX and XXXX, this bank is XXXX needs to be investagated
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (CA)

I purchased appliances through XXXX XXXX  website and received a promotional period of no interest for 18 months with Comenity credit. I paid diligently over the 18 month period and paid of the last statement on XX/XX/2020 with a statement due date of XX/XX/2020. However the following month I received a bill with all the interest incurred over the 18 month promotional period. After calling the company they stated I had paid the last statement after the " promotional date '' but before the statement due date. I have paperless billing and when I paid my last statement, nowhere did it show a promotional due date on the physical website. I had to open the full paper statement to show any documentation of the date they were speaking of. Had I known straight from logging in to their website that the bill needed to be paid on XX/XX/2020 not by XX/XX/2020 I would have done so. After speaking with multiple managers they refused to do anything to mitigate this, refused to make any changes to the incurred fees, refused to offset the payments or remedy the situation in any way. All they could say was I was past they date and they Would not do anything. Not that they Could not, but WOULD not. This may not be fraud, however this was misleading to someone who chose to be paperless and was diligent about making payments to meet the deadline. They refused to make any changes to a paying customer who was on time on every bill. 11 days cost me nearly {$1200.00}.
Consumer complaint received 2020-04-09
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)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.
Consumer complaint received 2021-03-15
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: Nelnet, Inc. (NY)

I am filling a CFPB complaint about the reporting of NELNET LOAN SERVICES INC for account number XXXX and XXXX. This account was reported as 90 days late in XX/XX/2020. This is incorrect because this is deferred and during covid, this account is reporting negative. This account was previously and is currently in deferment. I previously requested an investigation to NELNET LOAN SERVICES and review deferment paperwork as this should not be reporting 90 late. Especially during pandemic and state of emergency. We've had these conversations before and again this issue is overlooked. I never received any communication from NELNET LOAN SERVICES INC that this account was reported as late reason I shocked to see this as 90 days late. This late payment that they are reporting is affecting my credit score. NELNET LOAN SERVICES INC is not responding to my request to investigate I need this inaccurate reporting removed from my credit report.
Consumer complaint received 2021-10-13
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. (NY)

XXXX and XXXX will not investigate disputes. I sent disputes about credit balance for chase and XXXX cards being incorrect and they advised that I already disputed it but they have not resolved the issue. XXXX specifically is allowing anyone to access my credit report without my authorization including XXXX  XXXX XXXX of a car loan I did not initiate.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have had nothing but issues since I opened my XXXX XXXX Store card. I have never physically received the actual card itself. I have for this first time received my first physical statement in the month of XX/XX/2024 since I opened this account. Because I have not received the previous statements and nor physically had the store card to set up online access, it's hindered my ability to abide by all payment requirements. In lieu of this, my consumer reports has been greatly affected by this single account. I have had trouble moving into a house along with many other things. 
In accordance with 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I am revoking oral & written permission to report these late payments on my consumer report due to the nature of me not being informed properly to make payments.

Also as a violation 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal I am notifying of you these violations and choosing a peacefully resolution if granted.
Consumer complaint received 2020-04-09
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. (IL)

XXXX has failed to remove the following account from my credit report after Equifax and XXXX has deleted the following accounts. XXXX still have these accounts reporting and that is a direct violation under the FCRA section 609. I will seek damages under the FCRA and FDCPA if these account are not deleted immediately Account Name XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX   Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Record Type Chapter XXXX bankruptcy discharged Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Responsibility Individual Reference Number XXXX
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Hello, Ive wasted a lot of time trying to get this matter resolved, they are a few items on my credit report that I do not recognize with incorrect information. I tried to get in touch with the Credit Bureaus several times and got no answer.
Consumer complaint received 2020-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (OK)

Received a call and was connected to a " Mr. XXXX '' who answered the phone as simply " law offices '' when I asked for the name of the law office he said he works for a network of attorneys with what sounded like " Client Mediation part of XXXX XXXX XXXX '' representing CITI Corp. He never recited the mini-Miranda to me and just said he said he was offering to settle for pennies on the dollar of my debt that he said was over {$10000.00}. He said he would file his lawsuit if he didn't get paid by the XXXX. I asked for dates of the debts and he said it was charged off in 2014 and that the statute of limitations was 7 years ( it's actually 5 in my state ). I told him i would need to see all paperwork pertaining to this and he said I was just trying to use stall tactics and that he was done playing games and that I am obviously not serious about this matter and would just go ahead with filing his lawsuit with the local ( he listed the city ) courthouse and since the amount was so high it wouldn't just be small claims. He said to make sure I have two forms of ID for when I get served. I hung up on the man and he immediately called and left me a voicemail with more threats which included, having all my licenses suspended, he listed three people 's names close to me and said I could explain to them why they are being summoned to appear in court, and that he would put a lien on all my properties.
Consumer complaint received 2020-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IN)

Unauthorized withdrawals -- - XX/XX/XXXX, XXXX Unauthorized quickpay by XXXX through chase mobile app for android to XXXX XXXX XXXX the amount of {$500.00}. 
XX/XX/XXXX, XXXXAnother quickpay to XXXX XXXX in the amount of {$500.00} XX/XX/XXXX, XXXXAnother quickpay to XXXX XXXX in the amount of {$500.00} XX/XX/XXXX, XXXX 2 quickpays to XXXX  XXXX in the amount of {$500.00} each. 
XX/XX/XXXX, XXXX 2 quickpays to XXXX XXXX in the amount of {$200.00} each. 

Contacted Chase to report the fraud on XX/XX/XXXX at XXXX EST. 
Chase reached a decision stating I was responsible for the unauthorized transactions on XX/XX/2020 at XXXX EST. They refused to re-investigate because quickpay was used and wouldnt track the recipient of the unauthorized funds. I swear these weren't authorized charges or subject me to perjury.
Consumer complaint received 2022-12-28
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: Experian Information Solutions Inc. (TX)

On XXXX XXXX I was victim of identity theft. A credit card was opened ( and used ) without my permission/consent and charged {$13000.00}. I have since sent both XXXX XXXX and Experian police reports stating I was a victim as well as FTC report ( XXXX ). It's since been removed from XXXX and XXXX but not Experian. They are in violation of not properly investigating the issue and reporting inaccurate/obsolete information on my credit report. Please remove the false account asap. 

XXXX # XXXX $ XXXX XX/XX/2021
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly 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 they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-10-13
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. (GA)

Please see FTC report attached to this complaint. XXXX and Experian are both knowingly and continuously reporting fraudulent information on my credit report which is a violation of the Fair Credit Reporting Act. For whatever reason, they refuse to remove the collections I have already reported as fraudulent. The accounts in question are National Credit Syst {$2200.00} opened XX/XX/2020 for both XXXX and Experian and XXXX. XXXX and XXXX {$130.00} opened XX/XX/2020 for XXXX. XXXX has stated that they neglected to remove these fraudulent accounts simply because the account numbers were not present in the report. However, after including them in the report they are still refusing to remove said items from my account.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I deposited a check for XXXX in my checking account at Suntrust Bank in 2018. A few days later money started to disappear from my account. The bank issued me a new card a few times [ at one time money was taken and I had not even activated the new card } Close to {$10000.00} was taken by fraud from my account. They were XXXX purchases which I told the bank I never used and no one had access to my card, I told the bank that the check was a settlement from my husbands death. : I was never notified when these purchases were made. The dates areXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX/ On many dates there were multiple purchases. Every claim I filed was denied. Many times I had to call to reclaim as Sun Trust never sent the paperwork for me to sign for a claim. The amounts are as low as {$2.00} and as high as {$800.00}. The purchases were made from the XXXX coast and I am on the XXXX coast.
Consumer complaint received 2024-03-18
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-13
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 (NJ)

Representatives from the Bank of America from an alleged XXXX number have been calling me regarding my complaints to the CFPB. It is impermissible for them to be calling me as this matter is now in litigation before the CFPB. 

The fact is that XXXX XXXX has been fraudulently withdrawing money from my BAC account. I have repeatedly told the BAC but they refuse to reverse the charges that XXXX XXXX has made on my bank account. 

The BAC is violating the law by not doing so. 

The BAC has all my financial records with them. There is no need for them to be harassing me with their telephone calls. 

Just reverse the fraudulent charges, BAC! That is not rocket science, BAC! 

That is common sense and sound judgment, BAC! 

But no more telephone calls, BAC! None, BAC!
Consumer complaint received 2020-04-09
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. (AR)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.