davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
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. (GA)

I AM A VICTIM OF ID THEFT. THESE INQUIRIES THAT ARE LISTED IN MY FTC REPORT ARE NOT MINE. I HAVE NEVER APPLIED FOR ANY OF THESE PRODUCTS. I HAVE SUBMITTED THE PROPER DOCUMENTS TO BLOCK THESE INQUIRIES FROM MY CONSUMER REPORT.
Consumer complaint received 2019-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Client Services, Inc. (NJ)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP (TN)

I attempted to close my checking account with US Bank on XX/XX/XXXX. 
I went to my local branch to do this, and was told that my account would be closed. 

My account was not closed. 

Because the account was not closed, I was charged monthly service fees. 

There were no funds in the account to pay for the service fees, so a linked line of credit was used for overdraft protection. 

I wasn't aware of this happening, and I wasn't monitoring the account, because I was told that the account was closed by my local branch. 

After a few months, I found out about this issue through a credit monitoring service because my credit has been damaged. 

I called US Bank and spoke with a number of customer service reps, eventually having tickets opened to resolve the issue. 

US Banks resolution was to send my account to collections. 

I eventually payed their ransom. In all, closing my account cost hundreds of dollars and did years worth of damage to my credit. The account was finally closed in XXXX, XXXX.
Consumer complaint received 2022-05-25
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)

In accordance with the Fair Credit Reporting act XXXX 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 2022-05-25
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: BARCLAYS BANK DELAWARE (NY)

XXXX  XXXX XXXX last reported on XX/XX/XXXX {$2000.00} XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. Barclays bank - opened XX/XX/XXXX $ XXXX reported it to the credit burrows as fraud XXXX XXXX - last reported on XXXX  XXXX {$450.00} opened XX/XX/XXXX i opened the card but the card was stolen didnt notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud. XXXX XXXX  XXXX XXXX, XXXX {$7100.00} XX/XX/XXXX opened this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX {$7100.00} XX/XX/XXXX opened XX/XX/XXXX this account i never opened and i called up the credit burrow and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX '' last reported XX/XX/XXXX {$550.00} opened XX/XX/XXXX this account i never opened and i called up the credit burrow, and XXXX and asked them to take it off and told and reported it as fraud, the account has been closed and charged off but yet still remains on the credit burrows reports and i would like to have it removed. XXXX XXXX " XXXX XXXX XXXX last reported XX/XX/XXXX {$410.00} opened XX/XX/XXXX i opened the card but the card was stolen didn't notice the transactions and charges until i saw on my credit report. i reported the fraud transactions to both the credit burrows and the credit card company as fraud.
Consumer complaint received 2022-05-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

At the beginning of this year, 2022, I applied for an received a home loan and intentionally avoided the XXXX  of the industry such as XXXX, XXXX, and Wells Fargo as I do not work with companies that XXXX  their customers and have unethical business practices. I have had prior loans with both of those companies and as a consumer with free choice, I have avoided those companies. 

Come to find out my loan was sold to Wells Fargo and I contacted them and was told that I have no choice. I DO NOT want Wells Fargo servicing my loan or have any dealing with them in any way shape or form - they can but refuse to submit my loan for reservicing by another provider. As I am consumer with good credit and payment history, I am being discriminated against by their refusal to let go of my loan. There is so much red tape in Florida for anyone having their loan with Wells Fargo and I want no part of that company, which should be my right as a consumer in a free country.
Consumer complaint received 2021-12-14
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: Park Hill Holdings (TX)

On XX/XX/2020 and then again on XX/XX/2020 SAFERENT SOLUTIONS LLC made hard inquiries on my credit on behalf of XXXX XXXX. They were not authorized to pull my credit multiple times.
Consumer complaint received 2023-03-08
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 XXXX Acct # XXXX XXXX XXXX XXXX Acct # 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 2021-12-14
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. (PA)

Incorrect address reporting on my credit profile. My address is XXXX XXXX XXXXXXXX XXXX pa  XXXXXXXX XXXX XXXXXXXX. All other address need to be removed immediately. These inaccurate address on my credit profile create identity theft risk and mail being delivered to wrong person.
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (LA)

On XX/XX/23 and XX/XX/23 Cash App stole money from my account claiming a technical error back from XXXX, caused the money from two transactions, both to XXXX, dated XX/XX/23 and XX/XX/23 not to be withdrawn from my account. I have screenshots from my account history on their app showing both transactions were completed at time of purchase. I also have a ledger provided to me by a supervisor at cash app showing the money was taken twice. They are refusing to put my money back they stole. I XXXX this issue and there are thousands and thousands of people with this same issue being told the same lie about XXXX XXXX transactions. This is wrong what they are doing to people. This is THEFT.
Consumer complaint received 2022-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

I attempted to talk to XXXX XXXX at Wells Fargo Home Mortgage around XX/XX/XXXX. There is a recorded conversation stating if I was concern about my escrow we can do a trial escrow run. The trial escrow run was not going to affect me till the XX/XX/XXXX escrow will be ran. 
I get notified less than 30 days in XXXX of XXXX that I have a escrow shortage of {$130.00}. I was shocked. I never even called in yet to do a escrow trial and Wells Fargo decided to illegally ran my escrow which they did this malicious. I placed a call to XXXX XXXX again and did not get a return call till 10 days later which their policy should be returning phone calls within 48 hours or so. 
XXXX XXXX offered 24 months to cover the shortage but the payments will be from {$840.00} to {$860.00}, unless I pay the shortage will be only {$850.00}. I don ; t see how this will help the consumer when I be paying XXXX more and when the XXXX Escrow comes I be paying even more. This put me in a financial hardship. This only benefits Wells Fargo not the consumer with the higher payments and less than 30 days till XX/XX/XXXX. I then received my XXXX escrow which again did not except over {$100.00} I only expected at least {$50.00} I do get it that things went up but the XXXX escrow I should have been offered a better deal instead offering me to pay more than what normally it would be if paid in full. I don ; t need a breakdown on what went up, I already know this but the malicious and illegally ran escrow in XXXX should never happened.
Consumer complaint received 2019-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

DisputeLvnvFundingL.L.CreinsertedinformationremovefromXXXXXXXXconsumerfilepreviouslydeletedpursuant(A)FCRAthelawstatetheagencyshallnotifytheconsumerinwritingnotlaterthan5businessdaysafterreinsertioninformationthatmayaremaynotbeaccurateIreceivednosuchnotificationthisisaseriousviolationoftheFCRAandIreservetherighttopursuefurtheractionimmediatelyifnotremove.datereinsertedbetweenXX/XX/XXXX.
Consumer complaint received 2023-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

In XXXX I believe... not sure, my original Cash App Account was used by someone other than me to withdrawal {$300.00} from MY account. I DID NOT DO IT. I DON'T SHARE MY CARD OR ACCOUNT WITH ANYONE. 
CASH APP says that they investigated and found me to be liable. 
I DID NOT DO IT. THEY SAID MY CARD WAS USED. THE CARD NEVER LEFT MY POSSESSION. IN FACT I NEVER EVER USED MY CARD FOR ANYTHING BUT TO HAVE MONEY SENT TO ME. I THINK THEY HAVE A PROBLEM WITH THEIR EMPLOYEES DOING INSIDE SCAMS. Here 's what I think, if I didn't do it, their security measures are inadequate. I know of many other people this has happened to. The {$300.00} was for utility bills which in turn caused me electric and phone to be shut off. Please help.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am XXXX XXXX and I have sent multiple letters regarding unknown accounts in my report. It has been more than 30 days, but I did not receive any response or results. I am thinking that they are not attending to my concerns.
Consumer complaint received 2022-04-14
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$32000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$3700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX : {$3500.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$44000.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$9000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$920.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
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. (FL)

XXXX XXXX last 4 ss XXXX Equifax, XXXX, XXXX Are reporting inaccurate Fraudulent accounts on my Credit. I have filed multiple disputes regarding these accounts and they refuse to remove and provide me with how they obtain the information and what information the obtained to show that I'm the one responsible for the debt. They even have several inquiries on credit report that don't belongs to me either. According to FCRA Rules and procedures and I quotes If any credit Breau fail to remove Fraudulent or inaccurate accounts that's being reported on credit report I have the right to sue them in Federal Court. Therefore I'm once Again requesting that the following items be removed from my credit report immediately. 
1. XXXX Loans ( Fraudulent ) identity theft 2.XXXX XXXXt ( error on report this has been paid it shows In collections ) 3XXXX ( Fraudulent ) Identity theft 4. XXXX XXXX ( Fraudulent ) Identity theft.
Consumer complaint received 2022-05-25
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. (AZ)

n accordance with the Fair Credit Reporting act 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. 

other credit reporting accounts are EquifaxXXXX.
Consumer complaint received 2022-05-25
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. (AZ)

n accordance with the Fair Credit Reporting act 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. 

other credit reporting accounts are XXXXtransunion.
Consumer complaint received 2022-05-25
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. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear CFPB, Thank you so very much for taking my complaint, I am truly grateful. I have attempted in every way possible to dispute Late payment errors that never occurred with My XXXX  Loans which has been in deferment/income-based repayment since I XXXX  in XXXX, I was never ever late because no payment was ever due. All 3 credit Bureaus refuse to correctly investigate and remove these late payments, they are reporting them incorrectly and the lates doesn't make any sense as to how they are reporting them, starting off with late 120 days, then okay, then another 120 days, then okay, late 180 days, etc. recordings that's totally unheard of and totally impossible, this is not possible for a payment was never due, they have the same account listed over 15 times on my report with the same number but with different amounts. I have asked to remove all the closed XXXX  loans accounts, they are incorrect and they have refused to do so per my request per certified return receipt requests, I request this 60 days so far, every 30 days and still nothing. They take away XXXX points for 1 inquiry and never restores those points within 90 days as promised. I asked for the contact information to whom they spoke with, nothing. I have sent in proof of My HIPPA violation by XXXX XXXX  of my Medical Debt information, per what they supplied to me that they ( XXXX XXXX- they could not provide me a Debt Validation, they sent medical information without a HIPPA relation ) were sent from the client, they refuse to remove. I have requested all old addresses and old phone numbers to be removed, I have been at my present address for over 9 years and I have had my current phone number for over 10 years. They insist on not removing Alias of my name, I have never ever went by any other name then XXXX XXXX XXXX, never, and I have explained and explained and the Bureaus refuses to remove this incorrect reporting data. At this point, In accordance with the Fair Credit Reporting Act Equifax, XXXX, and XXXX has violated my rights as listed below : 15 USC 1681 Section 602-States I have the right to privacy.

15 USC 1681 Section 604 A Section 2-It also states a consumer reporting agency can not furnish a account without my written instructions I am sure they are violating many more of my rights, these are just the ones I have found so far, the Credit Bureaus ( all 3 ) are targeting me just to keep my scores low and this is the behavior that is not acceptable. 

Resolution, all the late payments on my XXXX  Loans be removed Resolution, XXXX XXXX be totally Deleted off my account Remove all old addresses and name alias Thank you so very much, for your assistance is greatly appreciated. 
With Respect, XXXX XXXX XXXX
Consumer complaint received 2019-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (OH)

I was going over my credit report and seen FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that are not accurate The FOLLOWING ACCOUNTS ARE NOT MINE : XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, ENHANCED RECOVERY COMPANY # XXXX. They are in violation of FDCPA 805/806/809. Demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AK)

There is an account on my report from XXXXXXXX XXXX that has not reported new information since XXXX 2022. There are now XXXX accounts on my credit report from XXXX XXXX, even though I only hold one line of credit. The should not be two accounts on my credit report from XXXXXXXX XXXX, and the correct balance is XXXX DOLLARS.
Consumer complaint received 2022-05-25
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. (NC)

On XX/XX/2022, an inquiry appeared on my account from Experian Business Cred. I didn't know why this appeared on my account. 

FYI, I have a fraud alert on my credit report but did not receive any alert that someone was trying to utilize my information or that a company associated with Experian was making a credit inquiry of my profile. 

I contacted them and sought to have it removed. They refused. I again contacted them to ask where this inquiry came from and it was stated from a Business gas company. 

Mind you, this is my personal credit report. I contacted the company Fuelman and they informed me that they don't have any record of this conduct. 

I believe theirs fraud being conducted internally with Experian.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account was previously deleted on XXXX and XXXX because they couldnt verify the debt but transunion wont delete the item and this is a clear violation 15 US. Code 1692e 10 - false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.