davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I was able to get my Experian Full Credit Report I HAVE BEEN LOCKED OUT I was responding to there now known to be a lye I was on phone with XXXX for almost a hour with XXXX as she verbally disclosed the only time there was activity was in XXXX when XXXX reported such debt and has never according to records a dispute was even initiated from any agency meaning Experian Report # see attached a error or a lye as well there response to you I taken this quiet seriously and CFPB needs to publish and my document attached for public review and to aide in existing law suit against Experian, XXXX has indicated there was a account in my name however it was a transfer of account into my name however no signed contract and or bearing my signature HOWEVER IT WAS CREATED ELECTRONICALLY and would not reveal were it originated from, I have also reported this to FTC and the derogatory information AGAIN does not meet the federal reporting act as well proof Experian has and still operating and handling out of good faith
Consumer complaint received 2022-09-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-09-30
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-30
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-09-30
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-21
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-11-30
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: CREDIT ACCEPTANCE CORPORATION (TX)

XXXX  is continuing to report an account Credit Acceptance Corporation in the amount of {$4800.00} that is a result of identity theft on to my credit file. I have informed XXXX  that this account needs to be deleted blocked and investigated but yet they have failed to do their due diligence on this above referenced account. I have also contacted Credit Acceptance Corporation and this company can not provide a signed application bearing my signature nor a contract stating that I have had any obligation with them. I have never dealt with Credit Acceptance so how in the heck can XXXX  be possibly verifying and validating anything when the company itself can't provide me with any information. They have not provided competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you or the original creditor. 

I will be forced to sue XXXX  and Credit Acceptance Corporation for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3.  ) Violation of the Fair Credit Reporting Act if this is not removed immediately.
Consumer complaint received 2022-09-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (TX)

On or about XX/XX/2021, I had responded to an offer from this company ( Personify Financial ) and was denied. They then sent me a letter in XXXX with a pre approved offer. I have thrown the letter away but was directed to their website to apply which I did. They approved me and told me that with on time payments I could get my interest reduced. They never really disclosed the interest but told me to create an online account. I eventually did and they took my banking information for auto payments. I went about my life and the payments came out of my bank {$150.00} every two weeks like clockwork. Well, in XXXX I had to enter into a credit counseling agreement because my debt that I took on from the pandemic is so great that we are literally drowning in it. I tried to get this loan included but they wouldn't work with my credit counseling company XXXX XXXX XXXX XXXX XXXX ) So I tried to contact the company myself and was told that I had to let the loan go into default before they would offer me any help. I am already suffering from poor credit so I do not want to do this. I then went into my account to see what the balance was to see if it was an amount I could consider paying off quicker. The balance of my loan was higher than what I had taken out. I had taken out a loan amount of {$3900.00} and my loan amount was over {$4100.00} even after {$1800.00} of payments!!! I cried. How can this be fair? Please help me do something with this loan. I can not keep this up and don't want to go into default.
Consumer complaint received 2023-01-21
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I just read about the Wells Fargo consumer mortgage settlement. In XX/XX/2013 I finally escaped the Pick-a-Pay mortgage nightmare by paying off the mortgage balance on a home at XXXX XXXX XXXX XXXX. XXXX in XXXX XXXX XXXX, XXXX, by borrowing the funds from my father. I was tricked into the Pick-a-Pay at last minute before closing by a team of XXXX employees XXXX before the Wells Fargo merger XXXX but was put through months of phone calls, letters, and incredible stress trying to rectify the situation. 
Please contact me with information on what is needed to pursue this complaint. I made the pay-off soon after XXXX XXXX, XXXX  by depositing a cashier 's check from XXXX XXXX  XXXX I closed out my checking and savings accounts at Wells Fargo soon thereafter. 

The insulting run-around I endured resulted in tears and extreme frustration as month after month, the amount of my mortgage payment climbed and no one at the bank would concede that the terms of the mortgage were changed without due process, ( my credit rating was sufficient to warrant the traditional mortgage interest rate I originally requested ).
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I've sent letters asking for validation about all the accounts and hard inquiries. My information was was apart of the eqifax data brench. All the information reporting on my cumsumer report is wrong. The equifax data brench has made my cumsumer report score bad.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo checking and savings account were fraudulently accessed and drained. My card was not stolen. I was called by someone at Wells Fargo ( their phone number their name on caller id ), I was told my account was being illegally accessed and they were calling to put a stop to it, texted me codes to my cell phone to read back as Wells Fargo always does when verifying account information. After a while I asked for a manager as it was taking too long. I was hung up on and all my money was immediately drained from my accounts. I called back and was told this was a scam and was not in fact well Fargo so I reported fraud and in a week was told they would not refund my money. I got the case re-opened by speaking to the corporate office and was told this was fraud and that " this happens all the time do not to worry. '' A few days later the same person informed me weals Fargo was refueling too refund me and was told its was because it was a device takeover, I then was told its was because of what was purchased ( charges at XXXX, XXXX XXXX, USPS and an atm withdraw in XXXX XXXX, live in and was in XXXX XXXX XXXX at the time of this fraud ) then was told it was because I didn't report it right away ( I reported it immediately ). I have received no logical explanation as to why Wells Fargo does not protect and is refusing to refund money held in their accounts when this was clearly fraud. Total amount taken was {$4500.00}
Consumer complaint received 2023-02-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-11-30
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. (MO)

Transunion allowed XXXX XXXX to fraudulently open up an account without my knowledge or consent, that affected that my credit score. I had tried to ask them to take this company off my report but they refuse.
Consumer complaint received 2023-01-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (WA)

On XX/XX/XXXX I took out this loan to make a purchase with a company XXXXXXXX XXXX for {$730.00}. It was for a hand tooled custom pair of cowboy boots. I never received the boots. I reached out to XXXX XXXX several times but they kept saying it would be a bit longer and eventually stopped responding to me. Several XXXX  went by and I still never received my boots. 

I then filed a dispute with Affirm to cancel the loan because I never received my merchandise. I made this request on XX/XX/XXXX. 

XXXX then Affirm has made no efforts at all to resolve this matter. They have not proactively contacted or updated me XXXX single time on the status of my dispute. It has been well over XXXX XXXX since the dispute was received and I provided all XXXX XXXX with the merchant and all evidence that I had. 

Each time I reach out to Affirm they just say it is in process and advised that it won't be resolved for another XXXX XXXX XXXX XXXX. The number constantly changes. 

In my most recent call with them they advised me it could be another XXXX XXXX 

Meanwhile I'm showing past due and delinquent with Affirm because I'm not making payments on the loan. They don't allow me to make payments yet they still report me as delinquent. 

I'm extremely frustrated with this entire process and I'm considering taking legal action against Affirm if they do not resolve this dispute immediately and cancel this loan.
Consumer complaint received 2019-11-30
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. (TX)

Experian is continuing to report an account XXXX XXXX XXXX in the amount of {$4800.00} that is a result of identity theft on to my credit file. I have informed Experian that this account needs to be deleted blocked and investigated but yet they have failed to do their due diligence on this above referenced account. I have also contacted XXXX XXXX XXXX and this company can not provide a signed application bearing my signature nor a contract stating that I have had any obligation with them. I have never dealt with XXXX XXXX so how in the heck can Experian be possibly verifying and validating anything when the company itself can't provide me with any information. They have not provided competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you or the original creditor. 

I will be forced to sue Experian and XXXX XXXX XXXX for 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act if this is not removed immediately.
Consumer complaint received 2019-11-30
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: BARCLAYS BANK DELAWARE (HI)

I ORDERED 2 PRODUCTS ON LINE OFF A XXXX AD ... XXXX XXXX AND XXXX.. FOR {$6.00} AND {$680.00} ON XX/XX/2019 IT WAS A SIMPLE ONE TIME ORDER ... THIS ORDER WAS DELIVERED. THE NEXT MONTH I NOTICED A CHARGE FOR {$89.00} AND {$89.00} ON THIS SAME CARD..I DID NOT PLACE THIS ORDER. I CALLED AND WROTE MY CREDIT CARD CO AND THEY REVERSED THE CHARGES ... .THEN THEY SENT ME A LETTER SAYING THEY HAD REVERSED THEIR DECISION.. AND RECHARGED ME FOR THIS PRODUCT I DID NOT ORDER..I CALLED AGAIN AND THE CONSUMER SUPPORT PERSON TOLD ME I HAD TO CHANGE MY CC # TO STOP THESE UNWANTED DELIVERIES ... I DID.. THE NEXT MONTH I RECEIVED ANOTHER PRODUCT AT THE HIGH PRICES,,, I HAVE HAD THIS HAPPEN TO ME ONCE BEFORE ANT THE CC COMPANY QUICKLY AND EASILY REVERSED THESE CHARGES, BUT XXXX IS SIDING WITH THIS DECEPTIVE MARKETING MERCHANT.. THAT IS WHERE WE ARE NOW ... ORIGINAL CC # XXXX NEW CC # XXXX
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I was at a casino in XXXX nc.I used my ATM card to get money out. Roughly XXXX $ XXXXXXXX XXXX  at a time. But later that week I noticed in my statement there was a XXXX withdrawal from a ATM at that casino. I never draw that much money out at XXXX time especially at a casino. I disputed the transaction along with XXXX other fraudulent charges on my statement. I called them back a week later and the representative placed me on hold a couple times and finally credited back to my account. She then stated claim closed. XXXX week later I got letter in mail saying that they didn't find no fraudulent activity on my account and would be taking the XXXX $ back in a week. And they did! With a big company I feel like a tiny ant trying to take down a XXXXwells Fargo is the bank at hand here.
Consumer complaint received 2022-09-05
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
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. (NC)

THIS HAS BEEN AN ONGOING ISSUE FOR INREGARDS TO A FRAUDULENT ACCOUNT BEING FURNISHED TO MY PROFILE. I'VE CONTACTED THE CREDIT REPORTING AGENCIES IN REGARDS TO A XXXX  ACCOUNT THAT I HAVE NO AFFILIATION AND NO KNOWLEDGE OF STILL SHOWING ON MY CREDIT REPORT, IN TWO RECENT CORRESPONDENCES I REQUESTED THE ACCOUNT BE VERIFIED AND THE ACCOUNT IS UNVERIFIED.

THIS ACCOUNT NEEDS TO BE REMOVED. FURNISHING AN ACCOUNT IN DIRECT RESULT OF IDENTITY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2022-09-30
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. (FL)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-06-27
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. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.