davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 are the accounts : 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 2022-06-02
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. (MS)

I can say that I am being ignored by your agency for not removing items as per my request and as per what I've listed in my FTC report, I do not grant you an authority to report versus me to verified these accounts that I told you incorrect and inaccurate.
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (MS)

I can say that I am being ignored by your agency for not removing items as per my request and as per what I've listed in my FTC report, I do not grant you an authority to report versus me to verified these accounts that I told you incorrect and inaccurate.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I asked my mom to deposit XXXX in cash to my Chase checking account so I could write my rent check for XXXX. They refused the deposit unless I bought their Cashier Check for XXXX XXXX So, mom went to her bank, XXXX XXXX XXXX and purchased a cashier 's check to deposit. They deposited the cashier 's check and have placed a hold until XX/XX/XXXX. No explanation, no warning, and they bounced my rent check. Please help me with my money that they are using as they wish.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2022-06-02
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc. (CA)

I have been harassed by this company when asked to show proof or information of the original creditor the company could not provide correct information. this has been going on since XXXX account # XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX all accounts are not correct. I told the company the debt they are attempting to collect are not mine. They continue to contact threw different mediums and now have a new company ( aidvantage ) to harass me. after i sent a cease and desist. They are also in violation on many laws. 15 usc 1692c, 15 1692g, i can continue below i have provided all the slips sent. during these time if you look at my consumer report they still sent false information which is also a violation of 15 usc 1611.
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I applied for MD Homeowners Assistance Fund ( MDHAF ) for help with mortgage following unemployment due to Covid 19 restrictions. 

My servicer, SPS, has refused to response to request from MDHAF with requesting information to process my assistance package. 

" Application Status : nformation Requested from Servicer XXXX XXXX, XXXX AM '' Has been my status now for 60 days??
Consumer complaint received 2021-09-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2022-06-02
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX and 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 instructions.
Consumer complaint received 2020-03-31
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. (OK)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report. These items belong to me.
Consumer complaint received 2023-02-28
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)

Certified letters were sent to XXXX, Experian and XXXX requesting a method of verification of items being reported on my credit report the first of XXXX. The items were received by XX/XX/11. I have yet to receive the method of verification and due to them not complying with the FCRA, the items must be deleted based on the credit bureau 's lack of compliance with the method of verification. If these items are not deleted, I will be pursuing legal action. 
The accounts in question are XXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Below are the tracking numbers of the certified letters sent out. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached is a copy of the letter sent out to the bureau 's. One was sent in regards to each account needing verification.
Consumer complaint received 2022-06-02
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. (WI)

I submitted a dispute to Equifax on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from Equifax. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple 30, 60, 90,120, and 150 day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( XXXX XXXX  ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my FICO score has dropped XXXX points. I have received notice of adverse action on two of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing Equifax offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.
Consumer complaint received 2021-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Hello i had a large amount desposited into my Charles Schwab account back in XXXX and after I payed a bill in advanced they locked my account the next day since then Ive been trying too get in contact with them but no success on my end. Ive Called and called emailed letters but no response. Im willing too give them any information regarding my account so I can access my money this is very frustrurating and problem causing, That was my savings money so I can pay bills coming up is rent and im really stressing! Please help!
Consumer complaint received 2022-06-02
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. (WI)

I submitted a dispute to Equifax on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from Equifax. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple 30, 60, 90,120, and 150 day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( XXXX XXXX  ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my FICO score has dropped XXXX points. I have received notice of adverse action on XXXX of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing Equifax offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.
Consumer complaint received 2022-06-02
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. (TX)

In accordance with the Fair Credit Reporting act : 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 The aforementioned accounts have 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 2021-09-05
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: EQUIFAX, INC. (TX)

Name : XXXX XXXX ss # XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX DB : XXXX I XXXX XXXX , am making this complaint due to my rights are being violated. I sent in a dispute to XXXX, EQUIFAX and XXXX  because I looked at my credit report and noticed old addresses on my report that does not belong to me. My current address and previous address is XXXX XXXX XXXX, XXXX Texas XXXX. I do not want addresses that does not belong to me on my report According to the FCRA, I have the right to have one address, and one name reporting due to identity theft.. There are several addresses, different names and unidentified information reporting currently and needs to be deleted off my report. My rights are being violated. 

On XXXX, I sent in a dispute to all three Credit Bureaus and the addresses are still showing on my report, Delete these addresses. Any accounts attached are not mine as well. Delete all addresses and name. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX DELETE Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX DELETE Address XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX DELETE Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DELETE Names not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX Name not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX These addresses neither names belongs to me!
Consumer complaint received 2022-06-02
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. (MI)

In accordance with the Fair Credit Reporting act Account XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, anXXXX XXXX XXXX XXXX  XXXX Account Number # 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 c
an not furnish a account without my written instructions
Consumer complaint received 2022-06-02
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)

In accordance with the Fair Credit Reporting act Account XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account Number # 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 2022-06-02
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. (AZ)

settle my account with XXXX XXXX XXXX. Account no. XXXX for a XXXX XXXX XXXX The problem is that in my Experian credit history, the account says active and open.
Consumer complaint received 2021-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Name : XXXX XXXX ss # XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX DB : XXXX I XXXX XXXX XXXX am making this complaint due to my rights are being violated. I sent in a dispute to XXXX XXXX and TRANSUNION because I looked at my credit report and noticed old addresses on my report that does not belong to me. My current address and previous address is XXXX XXXX XXXX, XXXX Texas XXXX. I do not want addresses that does not belong to me on my report According to the FCRA, I have the right to have one address, and one name reporting due to identity theft.. There are several addresses, different names and unidentified information reporting currently and needs to be deleted off my report. My rights are being violated. 

On XXXX, I sent in a dispute to all three Credit Bureaus and the addresses are still showing on my report, Delete these addresses. Any accounts attached are not mine as well. Delete all addresses and name. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX DELETE Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX DELETE Address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX DELETE Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DELETE Names not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX Name not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX XXXX Name not mine : XXXX XXXX XXXX not mine : XXXX XXXX These addresses neither names belongs to me!
Consumer complaint received 2022-06-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Weltman, Weinberg & Reis Co., L.P.A. (TN)

I reached out to a company that had my debt to which it told me it no longer had and that a law firm named XXXX XXXX XXXX had the account. I called XXXX & XXXX on XX/XX/2022 at approximately XXXXXXXX XXXX est. at the phone number provided ; XXXX. I have not received any letters or notices from this firm nor have I received any phone calls. However, on XX/XX/2022, my wife receives a phone call from this firm at a XXXX number at XXXX XXXX  est. The person that called my wife was very abusive and berated her over the phone. He cussed her and said he was not going to help her and she offered him my phone number to which he said he did not want it and then hung up.
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX, cyber criminals hacked my grand daughters laptop and cellphone. She is co-owner of my Wells Fargo account. We notified Wells Fargo immediately, on XX/XX/XXXX. 

They took {$4800.00} from my Wells Fargo account via wire and about {$300.00} via XXXX. 
I contacted Wells Fargo and they refunded all of that stolen money. 

About two weeks ago, Wells Fargo decided that they made a mistake in refunding the {$4800.00}, and they took that money out of my account. They sent a letter saying that i am responsible for online wires " whether or not actually authorized '' Regulation E says that they have to reimburse money taken as long as they are notified. 

When Wells Fargo took my {$4800.00}, they were in violation of that law.
Consumer complaint received 2024-03-18
Product: Credit reporting 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 the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (NJ)

I recently had a credit card with XXXX bank for the chain store XXXX. When the credit card switched to another bank, Barclay Bank, I opted out by phone ( XX/XX/2022 ) to receive the new card due to very high interest rates charged by Barclay. I called again in XX/XX/2022 to confirm that the card was cancelled and that I would not receive a new XXXXBarclay 's card, also to complain about unsolicited emails that were being sent to my work account ( which they claim they were unable to stop ). It is now XX/XX/XXXX and I have received an unsolicited credit card from them, despite my opt out request and my account being closed. I have been waiting on hold for over half an hour to resolve this issue as I do not want this on my credit rating. No one has picked up the phone so am unable to resolve.
Consumer complaint received 2022-06-02
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX  # XXXX. {$2400.00}. XX/XX/XXXX 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.