davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items with each bureau on XX/XX/XXXX and on XX/XX/XXXX and they did not remove the items. 

Sec. 602 States I have a right to privacy, XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo Return Mail Operations XXXX XXXX XXXX XXXX XXXX, IA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX Subject : We're responding to your concerns Case Number : XXXX The account number ending in Unknown verified as XXXX Consumer Financial Protection Bureau XXXX case number : XXXX
Consumer complaint received 2022-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AR)

UPDATE : I have sent this company several affidavits and they have yet to respond. I received a call today saying that my Loans are about to be in default. I am trying to understand how that is possible when the company has not answered my dispute and they are also still reporting on my credit report with out providing me with the information I asked for.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Someone had broken into my account and made withdrawals, and took out XXXX $ from an ATM. They used the money to do grocery shopping at XXXX and XXXX using XXXX XXXX to pay for the items. That person knew how to get into my account and knew my PIN and the bank is doing nothing to help and will not give back the money. They did not do an investigation, nor has they did not check cameras during the time of the crime. In the meantime of the crime, I was at work. No one has my card or my phone, however.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (NJ)

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 been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2022-04-22
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)

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-22
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. (TN)

In accordance with the fair credit reporting act credit bureau has violated my rights 15USC1681 section 602 A states I have right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

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.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-04-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FORD MOTOR CREDIT CO. (GA)

My vehicle was repossessed and sold at auction by my original creditor and {$700000.00} was left over and charged offed. XXXX XXXX XXXX took over the debt and file a judgement against me in XXXX every seven years and never once notified me or serve me to come to court.I received a letter XXXX XXXX at my mothers address that a judgement was file against me in amount of {$22000.00} .The interest and fees have added up against me for over 20 years.I call the debt collector office about this letter that only had a case number and no court information about what county this was in. I called around and found the court by using the case number that is on the letter.I have been lied against and never notified or severed to come to court and this has impacted my life with credit and my financial well being for over 20 years because the debt is still adding interest and fees everyday and it will never give me a chance to pay off this astronomical amountXXXX and XXXX have destroyed me financially by doing damages behind my back and I never knew this was taking place.Please investigate and allow me to take legal action for the damages this has cause my life.I want the judgement dismissed from my name and record.XXXX and a XXXX and ford motor credit have a history of pulling these offensive acts against consumers for years and need to be stop.Their XXXX XXXX XXXX record has a log of all cases that they have cause damages against consumers for years!
Consumer complaint received 2022-04-22
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)

According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : XXXX XXXX XXXX XXXXXXXX XXXX Dept of EdXXXX {$80000.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. 

I have addressed this matter numerous of times. I am preparing to take this to a small court and recover damages.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

IDENTITY THEFT Hello, I am new ( about 2 months old ) in the United States. As I am currently applying for a job, I applied for a checking account in XXXX XXXX XXXX  and this was later on closed. I opened a deposit account in Bank of America on the XXXX of XX/XX/2022 and it was also closed. The reason given : " based in whole or in part on information obtained from the consumer reporting agencies '', XXXX XXXX XXXX XXXX XXXX. and XXXX, I have a deposit account score of XXXX. 
On the contrary, I have no deposit account history in the United States. 
Therefore someone should be using my identity in the USA. 
I am calling for an immediate investigation into this matter. 
Thank you.
Consumer complaint received 2022-04-22
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. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX US Dept. Of Education, 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 2024-02-19
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: Experian Information Solutions 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2022-04-22
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. (CA)

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 XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXX This is not my correct address. Remove it immediately from my credit report. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* USDOE/XXXX XXXX USDOE/XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX 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 instruction 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 2023-02-22
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. (IL)

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-11-07
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. (CA)

On XX/XX/2022 I received a letter from XXXX XXXX  that a XXXX credit product was denied because they were unable to verify personal guarantor 's identity. 

This request was submitted fraudulently. I proceeded to check my credit reports and found XXXX unauthorized fraudulent inquiries made by XXXX XXXX XXXX XXXX on XX/XX/2022 listed on both my XXXX and TransUnion Credit Reports credit reports. 

I have notified XXXX XXXX XXXX XXXX and the case # is XXXX. 
I have submitted Fraud Alerts to both XXXX and TransUnion.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (NC)

I am submitting to follow up on my previous dispute concerning the fraudulent items present on my credit reports. Upon reviewing my updated credit file, I have noted that the items in question persist, despite my earlier dispute. Additionally, I have not received any supporting documentation from the credit bureaus substantiating the legitimacy of these items. Consequently, I am urging for the immediate update of these items in accordance with Section 605b of the Fair Credit Reporting Act ( FCRA ). As stipulated in FCRA Section 605b, credit bureaus are obligated to expeditiously rectify any inaccurate, incomplete, or unverifiable information from an individual 's credit file. I have provided evidence supporting my assertion that these items are fraudulent and do not accurately reflect my credit history. It is disconcerting that the credit bureaus have not furnished any supporting documents to counter my claim : EXPERIAN : XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance OweXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00}. I respectfully request a thorough investigation into this matter and the expeditious removal of these fraudulent items from my credit file. Furthermore, I request that you provide me with any supporting documents you have received regarding these items, as mandated by FCRA Section 609. Enclosed is a copy of my credit report, highlighting the fraudulent items in question, along with any additional supporting documentation that may facilitate your investigation.
Consumer complaint received 2024-02-19
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: Experian Information Solutions Inc. (AZ)

I filed a complaint # XXXX with XXXX a copy of my credit report and noticed some hard inquiries did not get deleted. 

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 2024-02-19
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (AZ)

on Thursday XX/XX/2024, I called my bank to release my pending deposit as they stated my available funds were not going to reflect until the next day. I normally get paid every Thursday night, which is typically when my funds reflect my available balance. 

I have {$200.00} going to my savings and the rest goes to my checking 's. however, when I am overdrawn in my checking 's, my savings is pulled to cover my overdraft. however, on the night of XX/XX/2024, I transferred that {$200.00} that was deposited into my savings to my checking 's account, which made it a {$0.00} balance. 

the next day XX/XX/2024 somehow my bank system did not recognize I transferred that {$200.00} already and their system transferred " another '' {$200.00} into my savings but there was nothing to transfer as I has already did so. my checking 's was already cleared at this point, as my direct deposit had already hit my account. 

then their system transferred from that same checking account to that same savings account {$190.00} to clear the negative savings account leaving it {$5.00} in hole. 

I then went up to a navy federal location to explain my concern and that I am owed {$200.00}, because had their system recognize I had already transferred the {$200.00}, I wouldn't have had the negative {$200.00} in my savings. Which wouldn't had caused their system again to transfer {$190.00} from my checking 's to my savings to cover their system error of causing that negative in my savings. 


I was made aware that there wasn't any error and that everything balanced out, but when their system transferred that " {$200.00} '' my checking balance did not go up, it stayed the same, but my savings went into the negative. 

then I was told that the " {$200.00} '' went into my joint account, but I checked that account, and the balance was still the same. 

I asked for copies of both savings and checking 's and was denied a copy of one of them.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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 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