davidheineman/consumer-finance-complaints-large huggingface dataset:
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: EQUIFAX, INC. (CA)

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

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 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

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 2023-01-23
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. (FL)

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 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: EQUIFAX, INC. (GA)

In accordance with The Fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 account name XXXX XXXX XXXX account number XXXX account name XXXX XXXX account number XXXX has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reported agency can not furnish an account without my written instructions. 15 USC 1681 c. ( A ) ( 5 ) section States no consumer reporting agency may make any consumer report and containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which intimidates the report by more than seven years 15 USC 1681s-3 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reported agency if the person knows or has reasonable cause to believe that the information is in accurate
Consumer complaint received 2023-01-23
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. (FL)

Account shows as a missed payment on all 3 Credit Reporting Companies : XXXX, Experian, and XXXX. 

The Company XXXX XXXX has a miss payment date in XXXX of 2022 for all XXXX credit reporting companies. 
I disputed online all XXXX with the XXXX XXXX payment with incorrect information on each report. The information was corrected, but not the payment error. 

The payment was due on the XXXX of XXXX of 2022. Included are to papers that show that the payment was received days before the due date. It was sent via electronic check to XXXX XXXXXXXX XXXX  bank account for full payment closing out the account. 
XXXX XXXX was notified via phone multiple times 2 weeks in advance. XXXX XXXX normally will freeze the account upon payout funds received. 
XXXX XXXX had the payment funds sent into their account from XXXX or XXXX. The funds were seen by the Customer Service and bank, and cleared on the on time. 

Added is a letter from XXXX XXXX showing the Payment was cleared for the Due Date. 
Added is a Receipt showing payment of the electronic check sent to XXXX XXXX days before the due date.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I was hospitalized due to XXXX XXXX and XXXX  XXXX from XXXX. My ex husband and girlfriend commuted fraud on my checking account XXXX and XX/XX/2022 of around {$160000.00}. I was in XXXX  XXXX  during this time and had no access to my account, the account was used to purchase items and pay his credit card bills. I provided Wells Fargo with all documentation, dates and transaction amounts. I also had a customer service representative at a Wells Fargo local branch assist me with the claims. Wells Fargo denied my claims of fraud. They sent so called proof of why the decision was denied the proof they sent were IP address being used which has no validation bc I was XXXX  during that time.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check into an XXXX account on XXXX. I was told check might not clear for several days but when I called today, I was told that the account would be locked shortly because I had deposited a check with two payees into my account, but I explained to this employee XXXX that the entire point of an XXXX account is to do such a transaction. He was clueless. The bank is now requiring me and my client to come to the bank in person to disburse the funds, lift the hold, and prevent my account from being shut. I did nothing incorrect here and Chase is causing undue hardship in violation of the XXXX and XXXX Banking regs. I am so dismayed that they wasted my time and now my clients and have interfered with legitimate commerce in such a manner. Why would such a proper deposit trigger account closure when there is no basis for fraud. The local XXXX branch is just as dismayed at I am at the conduct of the bank 's back office who clearly has no idea how to run a business or XXXX account.
Consumer complaint received 2018-03-03
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK (IL)

I have opened a money market account with them where they agree to give me XXXX bonus as long as I put XXXX in their account and leave for 90 days. I follow their request and they refuse to give me bonus, claim that I need flyers to have that. 

However, it was a public offer that post online, and I have confirmed with banker for this as well, they keep that offer online even I tried to resolve the problem with them till XX/XX/XXXX. I am frustrated the bank service can't promise what they have to me.
Consumer complaint received 2024-03-20
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On two separate occasions their were two hard inquiries placed on my credit. One in XXXX on the XXXX by XXXX/walmrt  and the other one  on XX/XX/XXXX by capital one both in XXXX. It does not give me the amount it just shows as a hard inquiry.
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (PA)

This morning I received an alert from my identity monitoring that I had an negative report on an account. XXXX reported that I was more than 30 days past due on a credit card from Commenity Bank. The card was called XXXX XXXX I do not have such a card. 

After I logged into the credit monitoring, I saw that it was also on my XXXX credit report. I contacted Commenity bank and after telling them my personal information, they verified that I do not have a XXXX XXXX account. I asked them to send me a email stating this as the dispute process asked for these kinds of letters. She refused to do this. She also said it was a credit bureau mistake. But why was this sent to all three credit bureaus if an individual credit bureau made a mistake? 

And right after the phone call XXXX notified me that Commenity bank was reporting me as being two payments late on a XXXX XXXX  Credit Card. 

Commenity Bank IS reporting this to the bureaus regardless of what they are telling me. Please make them stop and make me whole. My credit score dropped XXXX points over this.
Consumer complaint received 2024-03-20
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ( original creditor : XXXX XXXXXXXX XXXX XXXX XXXX ), Account # : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ), Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX 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 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 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
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 2018-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (VA)

Viewing my credit report in detail, I noticed an account was opened using my credentials with a company going by the name of XXXX XXXX XXXX XXXX on or about XX/XX/2016. It claims it has been placed in collections for the amount of {$630.00}. The account status is still labeled as open. I have received a derogatory remark on my XXXX Credit report making it very difficult for me to obtain the credit that I need. I have never at any time received any mail or bill from this company. I have never had any account with XXXX XXXX XXXX, this is not an account of mines or I have ever opened. I would like to address this immediately. I would like this derogatory remark removed from my report.
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. (GA)

1. 15 USC 1681s2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information, it is a FEDERAL violation.

2. 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy 3. And, according to15 U.S. CODE 1681i ( 5 ) - Removal of Inaccurate/Invalid Credit Information , it MUST be REMOVED from your credit reports.EQUIFAX HAS TAKEN OVER 90 DAYS TO COMPLETE THIS REQUEST. ATTACHED IS PROOF THEY STATED IT WOULD BE DELETED. THEY HAVE BROKEN THE LAWS ABOVE. XXXX XXXX XXXX MUST BE DELETED FROM MY CREDIT REPORT IMMEDIATELY. I WILL HAVE NO CHOICE BUT TO SUE EQUIFAX IF XXXX XXXX XXXXXXXX IS NOT DELETED ASAP. THIS IS CAUSING EMOTIONAL DISTRESS AND DAMAGES TO MY CREDIT SCORE.
Consumer complaint received 2022-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (KY)

I spoke with XXXX different people, including a manager and advised when I could make my payment. They continued to call more than XXXX or XXXX times a day, even after I reminded them of the legal limit of reaching out about a collections. They do not state it is an attempt to collect a debit when I do answer.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$930.00}.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting incorrectly an item on my credit report titled Liens and Judgments Report in the amount of {$1800.00} on XXXX XXXX XXXX, XXXX partial reference number XXXX. ( Please see page attached from my credit report. ) This account has since been settled and should no longer be reporting on my credit report. I have attached a copy of the Written Confirmation from XXXX XXXX XXXX documenting the single, one-time payment on this account dated XXXX, as well as a copy of confirmation from XXXX XXXX XXXX dated XXXX that his account has been settled in full. Please remove this item from my credit report. This false reporting of a judgment is seriously harming my credit score. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XXXX XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, a credit card account opened with Self Financial/Lead Bank on XX/XX/XXXX, and an real estate loan opened with XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. (LA)

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts and information in question are as follows : XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

XXXX DEPT OF EDCUATION/XXXX XXXX never late DEPT OF EDCUATION/XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX not mine XXXX  XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AUTOMOTIVE CREDIT CORPORATION (CA)

Previous complaint # XXXX response from Top Finance was ignored by whomever provided the response from their company. I requested the following documents from Top Finance : Proof a certified letter was sent to me that i signed the intent to buy by the vehicle 5 days after the vehicle was reprocessed, the notice that the vehicle was sold, and a letter of how much the vehicle was sold for including any fees. All these documents should have been sent to me within 30 days of the repossession and vehicle being sold. Please forward them promptly. 
Additionally, XXXX XXXX XXXX XXXX, has the same address and per previous conversation is ACC/ which is Top finance as you can see on the attached documents. This company I believe is not operating accurately business wise and i believe is not only violating rights with their collection practices they are manipulating the company names and addresses in order to fraudulently collect balances for written off debt from Top Finance.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC (AZ)

My employer received a notice of wage garnishment from JOHNSON MARK LLC. It states that it was the Second notice to the employer, but my employer said they never received a first notice. There was a court hearing to obtain judgement for this wage garnishment that I never received notice of and was unaware took place. I have tried numerous times to contact this attorney 's office and can not get a response, to even find out what this is. It is now showing up on my credit report and may have an effect on my ability to rent a home by the XX/XX/XXXX expiration of my lease. I noticed the judgement date says XX/XX/XXXX. The copy of the judgement says XX/XX/XXXX. Then it says I have 10 days to file an answer with the court. My employer didn't even receive this until XX/XX/XXXX. Then it goes on to state something about XXXX XXXX. I am not an attorney and do not know what it is talking about. I need help. I feel like I am being CREDIT BULLIED! There is nothing I can do if I can not even get a response from this XXXX office. I NEED HELP! PLEASE!!!
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.