davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (CO)

On XX/XX/XXXX ( 2 days after my paycheck auto deposited ) 3 transactions were made without my knowledge, depleting my account. My employer, XXXX XXXX, uses GlobalCashcard/XXXX for paycheck purposes. 

This was on a newly issued card, because the month before ( in XXXX ) a similar fraud took place. ( On the XXXX incident the bank acknowledged the fraud, refunded my money into my account, and issued a new card. ) These were the transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} I reported the fraud next day on XXXX XXXX. This time the phone personnel treated me with impatience, and on subsequent days several times hung up on me. 
Case No : XXXX On XX/XX/XXXX ADP XXXX XXXX  sent me a resolution letter, stating that they found these transactions normal and no refund will be issued. 
( from ADP XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX It is this negative resolution that prompted me to turn to you with a complaint. 

I list below the fraudulent transaction from the month before, because there may be a pattern in the locations and the timeline right after pay day. 
( These XXXX charges were credited back to me, and are not part of my current problem. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX Atm Transaction Fee XXXX {$3.00} XX/XX/XXXX Atm Transaction Domestic Fee Adjustment + {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2021-12-22
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on Transunion in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD XXXX )
Consumer complaint received 2021-12-22
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. (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the accounts listed below are still reporting on Equifax in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX CARD XXXX )
Consumer complaint received 2021-12-22
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. (OH)

XXXX XXXX is reporting on both my XXXX and Experian. This account is fraudulent due to it saying on XXXX I made payment on XX/XX/XXXX, which I never made payment to a fraudulent account. On Experian is stating different which both is fraudulent. This need to be removed immediately. Its no way I open an account on XX/XX/XXXX and this never appeared on my credit report during the year of XXXX. This account is fraudulent many ways and need to be resolved. I filed a FTC reference # XXXX
Consumer complaint received 2021-12-22
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. (OH)

XXXX XXXX is reporting on both my Equifax and XXXX. This account is fraudulent due to it saying on Equifax I made payment on XX/XX/XXXX, which I never made payment to a fraudulent account. On XXXX is stating different which both is fraudulent. This need to be removed immediately. Its no way I open an account on XX/XX/XXXX and this never appeared on my credit report during the year of XXXX. This account is fraudulent many ways and need to be resolved. I filed a FTC reference # XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Violation of Under 15 U.S. Code 1681s-2 ( 5 ) Duty to provide notice of delinquency of accounts " The law is clear : EXPERIAN only supposed to report the charge-off ONCE, mentioning the specific month and year it occurred. Only suppose to mention the charge off ONCE not to purposely continue monthly reporting CO absolutely inaccurate '' DELETE this as the data is INACCURATE see attachment for HAPPY MONEY. I demand this be removed immediately.

You guys have illegally and purposely are reporting old addresses and accounts that inaccurate and wrong but Ill follow up in court with that documentation.

You also do not have my consent to run my SSN, my monitoring alerts and to share my data to anyone as I opted out of this a month ago. Yet you still running reports that are inaccurate which is lowering my credit score and I have 99 % credit payment history! This is deliberate and fraud. They are directly violating my right after Ive instructed them to not share my data and I do not consent to pulling inaccurate data.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Requested a free credit report from Transunion, as well as, ALL information based on the credit account ( transactions, affiliates, non-affiliates, processes, etc. ) Have not received any information upon request.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I am requesting assistance as Chase has my mortgage loan since 2005 on my home located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This loan is not being reported to the credit bureaus and it has negatively impacted my credit. On several occasions, I have requested that my positive on time payments be reported. The excuse the bank gave was that a refinance would need to happen in order for reporting of the payments that were made. This is absolutely not correct as the bank reports the interest paid annually and I have statements for the loan. 
While Chase may think it is appropriate to request that I refinance and pay hefty closing fees and points to inflate their own pocket. I'm asking for what should have been done for years but not being aware that I have rights that are protected by the Fair Credit Reporting Act they have harmed me due to having a lower credit score. 
I'm requesting assistance to report the payments made which have all been on time and yet Chase has refused to assist other than if I were to spend money to refinance the loan. 
I have exhausted all avenues to get this corrected including mailing a letter to the bank to only be ignored.
Consumer complaint received 2024-02-20
Product: Credit reporting 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)

Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Ca. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Last 4 Digits SSN # : XXXX / DOB : XXXX Reason : Request to Describe Method of Verification To Whom It May Concern : XXXX XXXX XXXX - XXXX` I Have Not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. '' I am writing to request the Method of Verification for the dispute account above in which you " Verified ''. I previously disputed this account. I don't agree with the results of your investigation. Please mail in proof of your investigation by sending the following information used to verify the validity of the account listed above or delete this account immediately. 

The name of the original creditor The creditors address and telephone number The person 's name they verified the dispute with The documentation used to verify the dispute If I don't get proper documentation I will be filing my complaint at : www.consumerfinance.govXXXXComplaint/ and www.ftccomplaintassistant.gov/ and XXXX. Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. 

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-01-20
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. (TX)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX Balance : {$20000.00} ; XXXXXXXX XXXX XXXX Balance : {$260.00} ; XXXXXXXX XXXX XXXX Balance : {$140.00} ; XXXXXXXX XXXX XXXX Balance : {$11.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$630.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XX/XX/2022
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am requesting assistance as XXXX has my mortgage loan since 2005 on my home located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This loan is not being reported to the credit bureaus and it has negatively impacted my credit. On several occasions, I have requested that my positive on time payments be reported. The excuse the bank gave was that a refinance would need to happen in order for reporting of the payments that were made. This is absolutely not correct as the bank reports the interest paid annually and I have statements for the loan. 
While XXXX may think it is appropriate to request that I refinance and pay hefty closing fees and points to inflate their own pocket. I'm asking for what should have been done for years but not being aware that I have rights that are protected by the Fair Credit Reporting Act they have harmed me due to having a lower XXXX XXXX. 
I'm requesting assistance to report the payments made which have all been on time and yet XXXX has refused to assist other than if I were to spend money to refinance the loan. 
I have exhausted all avenues to get this corrected including mailing a letter to the bank to only be ignored.
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (OR)

I rented an apartment in XXXX and there was apparently a balance owed after I left the premises. I did not hear anything about this {$3200.00} debt until XX/XX/XXXX on my credit report. I tried disputing through XXXX but the results still says the debt started in XX/XX/XXXX, and the dates dont reflect the actual year of tenancy from XXXX. The company has never sent me correspondence informing me of the debt and 6 years later it showed up on my credit report. 
Central Portfolio Control wont provide accurate info to XXXX informing them of debt being from XXXX and my XXXX XXXX has tanked.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021 I returned to the United States and found a couple of fraudulent charges from XXXXXXXX XXXX XXXXXXXX for {$690.00} and {$670.00} on XX/XX/2021. I immediately called Wells Fargo to dispute the charges and spoke with someone who was hard to understand. They assured me that the charges would be investigated and a new card would be sent as my account would be closed due to the fraud. I never visited a place called XXXXXXXX XXXX  XXXX. 

A month later I received a letter stating that my claim was denied because my card was present and in my possession. This does not make sense to me because I am not in possession of my card 100 % of the time. For example, when I hand the card to a waiter or employee to charge then the card leaves my possession and sight. This also happened outside the United States in a place not celebrated for their lack of crime. 

To help my claim, I even submitted a report with my local police department at Wells Fargos request. I reopened the dispute with Wells Fargo and faxed them a copy of the report but I was denied again. I then closed the account on XX/XX/2021 and found out about CFPB and decided to file a complaint with CRPB on XX/XX/2021 and use my final dispute with Wells Fargo.
Consumer complaint received 2021-12-22
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. (FL)

I know you are working hard and thank you for helping me. 

I am submitting this complaint from my personal computer. I have reviewed my credit report and notice that the inquiries that are fraudulent are on my account. My name is XXXX XXXX and I am a victim of identity theft. The inquiries are not accurate, unauthorized and do not belong to me. The information isnt correct. I asked for method of verification from the bureaus and was ignored. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. My Id, social security card and pdf of the accounts are enclosed as well. The inquiries Need to be deleted immediately.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2022-10-10
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 XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, 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 an account without my written instructions. 


I already tried to reach out with the Credit Bureaus regarding these collection issues with but is still not being resolved.
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : TransUnion : 1. XXXX XXXX Date : XX/XX/XXXX 2. XXXXXXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX Date : XX/XX/XXXX 4. XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

I was told by one of your representatives that once I make 6 on time payments, Id get an increase. I have two credit cards with your company. I have not received my increase on my card as promised. Ive put in a request, and it was denied. My credit score is great. I have cards from other companies with over 10,000 as the limit. Whats the issue?
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HireRight Solutions, Inc. (CA)

Higher right is performing an employee background check. Hireright has responded to me saying that they were unable to verify my income and to submit them proof of times of my employment by providing documents. 

A list of what was acceptable was provided to me. 
Some of those things were year-to-date pay stub as well as IRS tax transcripts so I went ahead and called the IRS and they sent my transcripts to me. I had forwarded those to hire right as well as my XXXX pay stubs w-2s. 
They responded back saying that what I had sent them was not acceptable forms. 
I have tried to call their office but no one answers and I am not getting any response via email the background check is supposed to be due back by the XXXX but I don't know what to do.
Consumer complaint received 2022-10-10
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. (PA)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-11-21
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: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX  are reporting incorrectly a current balance of {$22000.00} on the XXXX XXXX  account number XXXX. ( Please see page attached from my credit report. ) This account is reporting an opening date of XX/XX/2010 and a current balance of {$22000.00}. First, I have been making monthly payments of {$440.00} on this account for the past several years totaling well over {$45000.00}. Second, the balance reporting is incorrect and needs to be updated to report a {$0.00} balance. Third, this loan was for a modular home that I purchased. During this most recent hurricane my home was severely damaged and deemed a total loss. Consequently, I voluntarily surrendered the home. Any remaining balance due on this account would have been covered by FEMA because the home was deemed a total loss from a natural disaster. This inaccurate reporting 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 2024-02-20
Product: Credit reporting 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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are 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 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