davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reached out to Transunion requesting that these inquires be investigated and prove to be an inquiry I authorized with written consent. I have not initiated any transaction with XXXX on XX/XX/2022 or XXXX XXXX on XX/XX/2022 Further, No accounts has been opened on these dates with these creditors. Therefore I do not have a account as defined under 15 U.S.C. 1693a ( 2 ) with these two Creditors for review or collection. 

According to 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
I never gave written consent to have my consumer report obtained by either of these 2 creditors which means these inquires are unauthorized, neiter did I give Transunion permission to but these inquires on my consumer report.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX Police and XXXX 's department has been mismanagement claiming to understand the ownership. The 2010 report clearly states money laundering assets of the Wells Fargo account holders number. Which claims to being no relationship to account holder. 

Wells Fargo Bank N.A. has also found officers trying to withhold inheritance action between United States Treasury Department and Wells Fargo including other banking Institutions FDIC and XXXX. 

Can you be ever so kind to verify this account as corporate accounts division of the account holder Wells Fargo. 

Signed : XXXX XXXX XXXX Claim Amount : XXXX XXXX yr Extension and Contracts Billings Call me at XXXX XXXX
Consumer complaint received 2019-07-26
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. (WI)

Tried to dispute fraudulent inquiries on my file with XXXX  & Transunion wrote letters several times even tried calling the dispute department for both XXXX  and Transunion, even claiming the inquiries are fraudulent they still both denied me to dispute them, both bureaus told to call each collectors, the collectors doesnt have contact information on most of the items, and even stated my FCRA rights to the bureaus they both just put me ON HOLD FOR SO LONG TILL I Decided to hang up.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX I submitted a complaint in regards to an fraudulent inquiry that XXXX is reporting on my consumer file. I informed XXXX that I didn't authorize this inquiry and I also informed them that the company stated that they have submitted a electronically request to remove this inquiry from my consumer file. On XX/XX/XXXX in CFPB Case XXXX Synchrony responded stating that As previously stated in our response sent on XX/XX/XXXX, a copy of which you provided, on XX/XX/XXXX we submitted an electronic request to have the inquiry generated by the credit application deleted from your personal credit file. As of today XX/XX/XXXX XXXX is still reporting this inquiry on my file. I have attached the letter from Synchrony Bank for your viewing.XXXX has stated on XXXX the following response. I am a bit confused if SYNCB/PAYPAL INQUIRIES ARE A FACTUAL RECORD where did they verify this from? 

STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : SYNCB/PAYPAL INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE
Consumer complaint received 2019-09-11
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. (TX)

In XXXX on/around XX/XX/19, I attempted to buy an item from XXXX XXXX. Financing was offered through XXXX. The order never got processed because I needed a prescription for the item. I contacted XXXX & XXXX XXXX via phone & email & the order was cancelled & refunded on XX/XX/19, before processing, shipping, and billing. XXXX closed the loan, I have no access to it & they were fully refunded. The first payment wasn't due until XX/XX/XXXX. All these ordering, cancelling, & refunding events were completed within 9 days. However, in XX/XX/XXXX, XXXX appeared on my Experian report. I contacted XXXX & was told that their A credit reporting goes out in batches & that's how it showed up on my credit. But, they never extended credit to me nor reached the XXXX billing cycle, nor receive a completed order. After contacting XXXX, I attempted to dispute the item through Experian & both times it was verified as accurate & staying on my credit. The most recent dispute was completed today. I sent Experian all contacts through email, the order information in the XXXX website, showing cancelled order, closed loan account with no monies available to borrow & a full refund from XXXX XXXX on XX/XX/19. Yet, they accepted the verified answer from XXXX. After the first dispute results, I contacted XXXX again, which has been over 10days & they are now strong arming through the Credit Reporting Agency Experian, as well as ignoring my email contacts. Please help, this is fraudulent reporting. **I also have several more attachments but I've tried several times to attach/upload them, to no avail. I can send them via email if you send me an email address. They show the account closed on XXXX site on XX/XX/19, email communications, the experian accounting, as well as dispute information. 
Thank you
Consumer complaint received 2024-03-09
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Have been dealing with this issue since XXXX. Capital One was made aware that someone accessed my account fraudulently and I no longer had access. I have went back and forth for three months now with Capital One employees telling me one thing and then the next employee telling me something else. I receive none of MY PERSONAL information, yet I have someone else 's personal information which Capital One is aware of and still has done nothing about. Never attempted to help me with my account just stated my account is being handled by fraud. Well, the Fraud department is doing absolutely nothing to assist or help me. My account is being reported negatively and inaccurately when I have no access and have not had access since XXXX and I just keep being told the account is being handled by fraud. Every time I call I keep getting the same response which is fraud is handling it or the only issue is you cant log in. NO that is NOT the only issue. I have repeatedly informed Capital One of my issues. Still to this day, no access, no statements, nothing of my own, yet I am STILL receiving someone else 's personal information, statement, balance, etc. and Capital One does nothing. I made a payment today, XX/XX/2019 after calling in again for the second time this week and being instructed on XX/XX/2019, by the supervisor I spoke with to call back on XX/XX/2019 and check the status of the account as their should be a resolution by then. The supervisor also informed me when I inquired about a payment that once the status of the account is updated, they can then take a payment. Fast forward to today, XX/XX/2019, I called in again to check the status and was transferred 5 times only to get a representative who stated she is only showing that I am unable to access my account. NO, I no longer have access to MY personal information and when attempting to regain access, none of the retrieval methods work, even when Capital One attempted to gain access on XX/XX/2019. The representative stated she can send an email for someone to call me, which they have done so many times now, and I never receive a call back. She also stated that to avoid further fees and negative reporting, I should make a payment, which I di and had no problem doing so. But here 's the thing, AFTER doing so, I was told it may not apply to my account??? WHAT?! My account is locked so they are unsure where it will post as they can't issue me a new account number due to the account status. So of course the account status is still out there in cyber space somewhere and I still have no access to my account whatsoever, but I do have access to someone else 's account. That sounds like a breach in Capital One 's system to me.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I hereby request the blocking and deletion of these accounts. It is important to note that this request is not made in error and is not founded on any material misrepresentation concerning the need to block these transactions
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MT)

XXXX XXXXXXXX XXXX {$140.00} XXXX XXXX XXXX {$170.00} this should have been covered under my insurance XXXX XXXX  {$190.00} This should be removed because this should have been covered under my insurance when I was blown up in XXXX XXXXXXXX XXXX {$1300.00} this is paid in full and is over 7 years old please remove.
Consumer complaint received 2023-02-04
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)

XXXX XXXX has 20 inquiries allotted on my credit report that they refuse to remove that was fraudulently used to attempt to put credit in my name. They have allowed companies like XXXX XXXX, XXXX XXXX, put collections on my account
Consumer complaint received 2023-06-27
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. (FL)

My name is XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: American Credit Acceptance, LLC (NY)

I took a car loan out in XX/XX/2021 with American credit acceptance they gave me an APR of 24.9 % and this is against the law APRs can not be that high it more than doubled the price of the car In New York, the maximum rate of interest on a loan is 16 % per annum. If a lender charges more than that, it may be liable for civil usury. Interest that is higher than 25 % constitutes criminal usury. However, there are various exceptions to these laws depending on the type of borrower and the amount of the loan.
Consumer complaint received 2022-09-01
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. (TX)

This troubles me as much as it troubles the Credit Bureaus regarding the th fraudulent items reporting on my Credit Report. My Legal counsel is urging me to file a legal case to set as an example for other consumers suffering the same problem as I was. The Credit Bureuas have done nothing to correct my Credit File and continued reporting the disputed items without providing me copies of documents as proofs of verification. This action is a clear violation of a consumer 's rights and is punishable by law. Under the FCRA section 605b, The Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting from the theft of my identity. Although I do not want to bring this matters to court, my lawyers wanted me to file a case and show that the Credit Bureaus are not immune to legal trials. I am sbumtting this CFPB complaint to request that the Credit Bureaus remove the fisputed fraudulent items before I am forced to take legal countermeasures. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX Original XXXX : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2019-11-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques (CA)

This attorney representing XXXX XXXX sued me at an address where I no longer live. The venue of the lawsuit was in XXXX, California about 30 miles from where the lawsuit was served where lived five years ago ( XXXX XXXX ). The summons and complaint was then mailed to that address which was forwarded to a relative 's address. No one was personally served. I only found out about the lawsuit by looking up the case on the court website. Thankfully I filed an answer in time even though I don't even live in the country any more and I am traveling a lot. This lawsuit should have never been considered properly served and the venue is incorrect as it's not even close to where I live.
Consumer complaint received 2017-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (MD)

We have account with Ocwen Loan Servicing. We applied for a business loan and was turned down because XXXX reported that we are Serious Delinquency, accounts not paid as agreed, time since delinquency is too recent or unknown and number of accounts with delinquency. So I checked the credit report it is Ocwen that is reporting that our loan was charged off XXXX XXXX put we are making payments. We checked the credit report again on XXXX XXXX and it says charged off as bad debt, profit and loss write off and closed. We have been making payments, so should we not make anymore payments or what? Where have my payments been going? We applied for a loan did not get it. We own a small business we really could use a loan did not think there would be a problem. This is hurting our business we went to several places could not get one our  personal credit is always checked. We have worked real hard to have good credit. One of our store credit cards have lower our credit line. When will this stop? Is it Ocwen or XXXX or both. We have never had a problem like this. Hope you are the right place to go.
Consumer complaint received 2019-11-28
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: DISCOVER BANK (NY)

see attached doc I have been fraud out of money ( {$27000.00} ) by XXXX XXXX and company for software he didn't deliver .... then he lied to discover card whit fake claims and discover failed to help me or explain me y i have to pay on something i haven't received i have been promised by discover card call backS which never happened the main point is i haven't received anything from XXXX XXXX and discover is trying to make me pay for even if i dint get
Consumer complaint received 2019-12-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (IN)

XXXX XXXX XXXX XXXX - failed to release the mortgage Lien showing on Title Search being held up in making settlement I am trying to sell a property base in XXXX pa, I recently ran a title search and it's showing XXXX XXXX XXXX XXXX as a second mortgage. My home loan has been forwarded about 3 time to different mortgage lenders and it has been refinance several times. I put several calls into Mr Cooper Mortgage Co to see if they could provide me with a Letter of Satisfactory for this alleged second mortgage. As I went in all direction told to me no one can provide me with a Letter of Satisfactory or a Corrective Action Lien Release. I spoke with several of Mr. Cooper call center representative and all was knowledgeable however, i been going in circle since XX/XX/XXXX or maybe early and all I received from there Research team and there Lein team was a email stating.>>> " Please be advised Mr. Cooper is not able to provide a Release of Lien for a loan that was paid off to another servicer. If a loan was paid off to XXXX XXXX, XXXX XXXX will need to issue a Release of Lien on the paid off loan. 
My issue is that XXXX XXXX was the last one who touch the loan and his company should of taken time to do a research and inquire about the status of my account before it transferred. The company should of required all updated information from when I bought the property in XXXX or XXXX. How can this be a transfer of any sort if they don't have the whole account documentation on file. 
Since XXXX XXXX XXXX XXXX is not in the business of supply mortgages, XXXX XXXX should be responsible for providing me with a Letter of Satisfactory or do the inquire for a Corrective Action Lien Release.
Consumer complaint received 2023-02-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (IL)

I received mail from this so called place named Credit managements L.P. They stated that they are debt collectors and that I owe money to another company. I know in fact that I dont because Ive never had anything to do with this company they are stating that I owe money to. Ive read countless amounts of reviews on XXXX stating these people either scammed them out of their money or tried to by saying they owed money when they really didnt. Ive called but they constantly hang up. Im not even sure how this mail got to me because they spelled my entire name wrong. Either way this place is a scam and I do not owe anything.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (KY)

Someone has used my personal information to open or attempt to open accounts in my name without my knowledge or consent. 
I received an alert that an inquiry was made by XXXX on XX/XX/2019 that I did not authorize. I contacted XXXX using the phone number provided with the inquiry and left two messages and have not received a response. I received a alert that an inquiry was made by ComenityCapital/XXXX on XX/XX/2019 that I did not authorize. I called and spoke with someone in the Fraud department who assured me the account was not established and the inquiry would be removed. I have not yet received confirmation of this in writing and the inquiry is still reflected on my credit profile. I received an alert that a new account with XXXX had been reported on my credit with an open date of XX/XX/2019 and a {$370.00} balance. I did not apply for any of these lines of credit.