davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (NV)

On XX/XX/2017, someone open a checking account without my authorization. The account was an abuse account and which end up owing XXXX XXXX XXXX XXXX {$2900.00}. I have filed a complaint to Chex System, but they have not resolved my complaint so i wanted to file a complaint with the Consumer Finance Protection. The Chex Consumer ID : XXXX. I also filed a police report regarding this fraudulent bank account the incident number is:XXXX. Please check the IP address of the online application, phone number, or me personally coming to a bank branch, you will clearly see that it did not come from me or I have called them ; regarding opening this account. Now, because of this fraudulent activity is making it impossible for me open any type of bank accounts. I want this to be removed from Chex System immediately on false allegation.
Consumer complaint received 2023-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (AL)

XX/XX/XXXX XXXX $ was taken out of my account but put back in and then on XX/XX/XXXX it was taken out again but my bank account available stayed the same. 

XX/XX/XXXX XXXX $ was taken out and put back in and then charged XXXX two or three days later. 

Made a payment online XXXX  XX/XX/XXXX and no record was ever shown but I received a confirmation number and I never screenshot them cuz I never have had a problem and now my car has been repod and I have to come up with XXXX to get my car back. I was told 3 different things by three different people. The first one asked me if I wanted to do a payment plan ( I think ) and I said no as I didnt understand what he asked and he also told me that I was only 82 days late I informed all 3 people of me making that payment and its like they never even heard me. The last guy told me it didnt sound like Id come up with the money to go ahead and go get all of my belongings and my license plate. When I get my car back theyre definitely losing me.
Consumer complaint received 2023-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (MS)

They have threatened to discharge loan. And continue to say Im behInd on payments. I submitted documents last year requesting the CFO respond to my demands if they use their own money on this loan and I submitted payments and never been behind on this loan. The company continue to report Im behind and credit bureau continue to listen to them without any proof. I continue to get calls to my cellphone even after I requested them to not call. They been harassing and threatening me continuously. This is illegal under the fair reporting act.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2023-05-13
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. (MI)

On XX/XX/XXXX I pulled my consumer report from XXXX and TransUnion LLC. I noticed that an unauthorized alleged debt with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XXXX, XXXX, XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. Instead, they sent to my address a document in which appears to be a computer generated signature and an unfamiliar statement. The document appears to be typed by someone other than myself, a fraudulent signature and inaccurate/misleading information. The company TRANSUNION has yet to respond through the Consumer Financial Protection Bureau and I am very concerned in the way this matter is being conducted. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from TransUnion, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for lines of credit to support my family or mortgage loans to purchase a home for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent computer generated document with information that does not belong to me, which in turn makes their " verification '' investigation null and void. I will conclude that Transunion and XXXX companies are either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Consumer complaint received 2019-12-23
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. (TX)

Transunion discriminating me based on certain criteria, they put my score down when I have cancel their monthly monitoring services ( paying monthly fees ) and When I sign up, they increase score, they are doing fraudulent activities on this issues. They are downing my score, sometimes 97 or more when I have no 'missed payment ' or collections, it is a complete act of discrimination, they are soliciting to use their monthly services, as soon as I register monthly service, they increase score. All three credit bureaus violating constitutional rights of US Citizens. Investigate their issues and put them into justice. They are unnecessary forcing consumers to sign up their monthly services, otherwise they will put my score down.
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (AZ)

To Whom it may concern : On XX/XX/XXXX I checked my most recent credit report provided by Experian and was surprised to find hard inquiries that I did not recognize or authorize. As reference please see the inquiries below : XXXX XXXX  on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I am hereby notifying you that I have never authorized the aforementioned companies to access my credit report. Additionally, I have never given Experian my consent to furnish this information. These inquiries on my credit report are a clear violation of my consumer rights under 15 USC 1681b ( c ). 

If you are under the impression that you lawfully furnished this information I am requesting you send me any evidence or proof to support your claim. Otherwise, I am requiring that you immediately remove the aforementioned inquiries from my credit report. 

Thank you for taking the time to read this notice. I look forward to this matter being resolved promptly.
Consumer complaint received 2019-02-10
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)

I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

COVID hit California and my son was enrolled in XXXX XXXX XXXX University and the University shut down and the students were sent home. XXXX XXXX XXXX took my Son out of the Deferred Status to the Repay Status. So, XX/XX/XXXX we made the payment of XXXX on time. Then in XXXX I paid in advance for XXXX, XXXX, and XXXX of {$200.00} ( when XXXX, 3 months so I overpaid by XXXX ). Still in XXXX the continued to bill me at XXXX, then billed me for XXXX another XXXX. So XX/XX/XXXX I paid the XXXX, Then I paid a payment on XX/XX/XXXX another {$100.00} Still ahead by XXXX, now add XXXX of which was included in my XXXX payment of the {$200.00}, so now I am ahead by {$140.00}. I pay over the phone and choose the advance pay option, but they obviously are not noting the account. So, they keep billing me the XXXX, I don't make another payment until XXXX of {$160.00} because I have paid in advance for XXXX and XXXX, still leaving reserves. The automatically billed me for XXXX and XXXX of which the payments were returned because I did not know they signed me up for automatic payment. Should not matter because I was already paid through XXXX, then in XXXX I paid {$260.00} because they said I owed them the money, but in fact at this point from XX/XX/XXXX to XX/XX/XXXX I paid a total of {$780.00} which is {$96.00} over the payment schedule they gave me of XXXX each month.
Consumer complaint received 2019-12-19
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. (WA)

Equifax ; XXXX and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3400.00} on XXXX XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently and does not belong to me. I have filed a formal complaint with Identity Theft.gov as well. Please see confirmation page with reference number XXXX attached. I did not now, nor have I in the past had an account with XXXX XXXX XXXX/XXXX   XXXX. I did not sign nor did I give permission for this account to be opened. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

COVID hit California and my son was enrolled in XXXX XXXX XXXX University and the University shut down and the students were sent home. XXXX XXXX XXXX took my Son out of the Deferred Status to the Repay Status. So, XX/XX/XXXX we made the payment of XXXX on time. Then in XXXX I paid in advance for XXXX, XXXX, and XXXX of {$200.00} ( when XXXX, 3 months so I overpaid by XXXX ). Still in XXXX the continued to bill me at XXXX, then billed me for XXXX another XXXX. So XX/XX/XXXX I paid the XXXX, Then I paid a payment on XX/XX/XXXX another {$100.00} Still ahead by XXXX, now add XXXX of which was included in my XXXX payment of the {$200.00}, so now I am ahead by {$140.00}. I pay over the phone and choose the advance pay option, but they obviously are not noting the account. So, they keep billing me the XXXX, I don't make another payment until XXXX of {$160.00} because I have paid in advance for XXXX and XXXX, still leaving reserves. The automatically billed me for XXXX and XXXX of which the payments were returned because I did not know they signed me up for automatic payment. Should not matter because I was already paid through XXXX, then in XXXX I paid {$260.00} because they said I owed them the money, but in fact at this point from XX/XX/XXXX to XX/XX/XXXX I paid a total of {$780.00} which is {$96.00} over the payment schedule they gave me of XXXX each month.
Consumer complaint received 2023-01-24
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. (NJ)

I recently contacted the credit bureau to dispute all of the items listed below that do not belong to me that are reported on my credit report and these accounts were not removed. 

XXXX. XXXX  # XXXX This account does not belong to me. 
XXXX. XXXX  # XXXX This account is listed erroneously. 
XXXX. XXXX XXXX # XXXX account is listed erroneously. 
XXXX. XXXX XXXX XXXX XXXX  # XXXX account is listed erroneously.
Consumer complaint received 2023-01-23
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)

To Whom it may concern i am writing because something about a collection was noticed by me after checking my consumer report recently. i never received any notice in the mail or by email of this account nor any phone calls to my understanding. this account just appeared and thats how i found out about it so i am asking for assistance in this matter i have also mailed letters to Experian, XXXX, and XXXX because people are putting inquiries and accounts on my profile without permission. 
Please Assist me in this matter
Consumer complaint received 2023-01-24
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. (NJ)

I recently contacted the credit bureau to dispute all of the items listed below that do not belong to me that are reported on my credit report and these accounts were not removed. 

XXXX. XXXX  # XXXX This account does not belong to me. 
XXXX. XXXX  # XXXX This account is listed erroneously. 
XXXX. XXXX XXXX # XXXX account is listed erroneously. 
XXXX. XXXX XXXX XXXX XXXX # XXXX account is listed erroneously.
Consumer complaint received 2022-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (KY)

I called edfinancial on XXXXregarding getting a refund on the loans that I paid over the forbearance period. This was a total of XXXX dollars. I was told that I should see the balance back on my account in a week or so. I was not given a time period on how long I would get my money back. I have called again and they were not able to give me a time period. At this point I have no idea if my request have even been submitted. I have no email confirming whether the refund is in the process.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Blackstad, Hrabe, Kirlorsky, LLC (AZ)

My social security number is XXXX. Since about 2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$700.00}. I believe I appreciate BHK Financial originally XXXX  XXXX XXXX XXXX accepting money from me over this time. However, I am concerned about damage to my FICO score too to qualify for a home. I am still collecting unemployment and now I am starting school next year.
Consumer complaint received 2022-11-12
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 sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, Equifax have 30 days to respond to my dispute. 

This is a violation of my rights.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : - XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Lender Name : Wells Fargo Home Mortgage I recently read that Wells Fargo had to settle and help those effected by their inability to assist home owners in loan modifications after XXXX. I called Wells Fargo and told them I was XXXX of those effected and they said if I am, they would reach out but they have not. 
In XXXX I attempted to modify my loan and several reps failed to assist with files getting lost, reapplication and so on. Wells Fargo put my house into Foreclosure without any guidance or help. I was forced to sell my house at a lower price than worth just to regain my down payment and not lose everything entirely. During the closing they charged me enormous amount of late fees. 

Their carelessness and lack of service affected me for years and until today. If you can please help and look into this I would appreciate it.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

Since XXXX of this year, I've been sending update letters to XXXX, Experian, and XXXX   to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 


XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX   XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX  XXXX   XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX, NC, XXXX