davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX Balance {$2100.00} XXXX XXXX Balance {$7000.00} XXXX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$15000.00}
Consumer complaint received 2022-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A. (NM)

Received claim of debit in the amount of {$2600.00} from law firm in XXXX, OH for an auto accident in a town I have never visited, vehicle I have never own, and on police report there is a partial DL # that is not mine. Contacted law firm to advise they have wrong person, instructed to file claim through ftc.gov website.
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

Lost my wallet, which contained my social & I.D . in there. I was at a gas station & sat it down for a quick second then the next thing I knew it was gone. This happened back in XX/XX/2018. I reached out to my credit card companies & debit card company for replacement. During those times I never had a credit subscription service to view my credit history. I recently did a thorough check to my credit report and I noticed a lot of fraudulent activities that weren't authorized by me.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$500.00}, {$400.00}, {$700.00}, {$200.00}, {$1500.00}, {$26000.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-ACCOUNTS- 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$400.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$700.00} -This is not my account.

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$200.00} -This is not my account.

6. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

-AUTO ACCOUNT- 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$26000.00} -This is not my account. 

-STUDENT ACCOUNT- 8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5400.00} -This is not my account.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I am reporting this company they removed this debt the first time I reported it then they added it back to my reports I had also already made a police report that my ex boyfriend must have use my identity to open fraudulent accounts in my name but I have no actual prof this company is XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank in the amount of XXXX I want this account removed permanently and never to reappear.
Consumer complaint received 2022-02-19
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

In XX/XX/XXXX, complained to citibank fraud department to clear an annoying fraud alert that kept popping up in online account -saying to call them. Cleared it numerous times, but the " banner '' never left. After complaining to some woman on phone who did not seem competent in her job and kept asking the same information repetitively, all my accounts were closed. 

I received letter dated XXXX XXXX for account ending XXXX that all accounts were being closed for a vague " following a recent review, Citibank has chosen to close your accounts. As stated in terms ... ..Our decision was made following the results of a review of bank information and records. '' This closure was for 8 credit cards and a bank account. 

There is no valid reason stated - just vagueness. There is nothing that I can conceive was an issue but retalitory action of this employee. Nothing was shared with me. All payments across all credit cards had been 100 % timely across entire credit report. And the relationship with Citibank has been over 5 years without any missed payment. 

Per Citibank policy and per their letter, dated XX/XX/XXXX asking for further inquire. As of XX/XX/XXXX, I have received no response. 

Not only has complaince been vague and avoiding facts, they have acted in a manner that is retalitory and likely against banking law. 

I request the someone in their legal department investigate and provide clear feedback, likely ending in the opening up of all accounts. 

In addition, I attempted to open a trust account for over $ 2million dollars in the summer of XXXX and it was a disaster. Citibank sent letter of apology and nothing was executed. They seem short staffed and ill equiped with technology to address client concerns in a timely and professional manner. There was a lack of follow up and taking of responsibility. 

In addition, they never rebated the credit card fees that I paid. I believe {$390.00} + {$95.00} + {$95.00} + {$95.00} XXXX. They stole that money without refund.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (CA)

Our Payroll company, XXXX XXXX XXXX, withdraws the direct deposit payroll wages and payroll taxes the day before the payroll is direct deposited. We are the victims of a scam that had the payroll service change the banking information for one of our employees. XXXX banks with Wells Fargo. The direct deposit is scheduled to be processed at midnight TONIGHT. That is in five hours. XXXX does not open until XXXX  EST. They do not have a 24 hour fraud line. Wells Fargo could put a hold on this transaction until it gets sorted but they refuse to do ANYTHING. 

To RECAP : {$7500.00} of an employees wages are due to be transfetred out of the XXXX payroll account in FIVE hours and Wells Fargo will do nothing to stop this theft.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} EQUIFAX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$950.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00}
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  XXXX Balance Owed : {$870.00} XXXX : XXXX XXXX Balance Owed XXXX {$0.00} TransUnion : XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$950.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00}
Consumer complaint received 2022-05-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Ability Recovery Services, LLC (FL)

Ability Recovery Service LLC has continued to harass me about debt that is not mine. I sent a validation letter to the company post dated XX/XX/2022 to stop contacting me unless they can show me evidence that I am responsible for this debt and their authority to collect this debt. They have failed to respond to my letter but rather continue to harass me with unjust communication tactics which is in violation of the fair debt collection practices act. I am disputing all of debt and would like all communication from this company to cease once and for all. No more phone calls or letters. I also would like any of this incorrect information removed my credit report.
Consumer complaint received 2022-05-27
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: CITIBANK, N.A. (VA)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit cared account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$13000.00} XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX : XXXX  XXXX Balance Owed XXXX {$0.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX XXXX  XXXX Balance Owed : {$870.00}
Consumer complaint received 2022-05-27
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: Experian Information Solutions Inc. (CA)

I'm filing this complaint because XXXX has ignored my request to provide me with the documents that their company has filed that were used to verify the accounts I disputed. 

They have also gone past the XXXX mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. 

Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this as it is hurting my overall credit willingness. 

Thank you
Consumer complaint received 2023-11-04
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. (FL)

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX, 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 2022-05-27
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. (CA)

I'm filing this complaint because XXXX has ignored my request to provide me with the documents that their company has filed that were used to verify the accounts I disputed. 

They have also gone past the XXXX mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. 

Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this as it is hurting my overall credit willingness. 

Thank you
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. Given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account from my XXXX XXXX : XXXX
Consumer complaint received 2022-05-27
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. (CA)

The lender repossessed the vehicle. The lender is reporting me as continually late to the credit agencies. I do not believe I owe money on this loan and it should have been closed after the vehicle was taken back. Please let me know what is going on.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The lender repossessed the vehicle. The lender is reporting me as continually late to the credit agencies. I do not believe I owe money on this loan and it should have been closed after the vehicle was taken back. Please let me know what is going on.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The lender repossessed the vehicle. The lender is reporting me as continually late to the credit agencies. I do not believe I owe money on this loan and it should have been closed after the vehicle was taken back. Please let me know what is going on.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. Given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please DELETE the account from my XXXX XXXX : XXXX
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (PA)

Below is overall summary of the event which I have sent in an email to the executives of M & T bank as well as the board members : To Whom It May Concern : This communication is a desperate final measure to resolve a time sensitive issue. M & T Bank has reported three late payments on my credit history in error, which is subsequently impacting my pending mortgage approval to buy my first home with my XXXX  fianc. 
In XX/XX/2018 I moved from XXXX XXXX Pennsylvania to XXXX. Upon moving, I submitted my change of address to M & T Bank in person at XXXX XXXX XXXX, XXXX XXXX, PA XXXX. In XX/XX/2018 I lost my credit card, reported it missing the next day, and requested that a replacement be mailed to me on the recorded customer service line. After two weeks passed without receiving my card, I called again and was advised that a charge of {$25.00} would appear on my card for the expediting a second replacement, but would return as a credit since the error was made on M & Ts behalf. The {$25.00} charge was placed on my card, never reimbursed, and I never received the card. After 3 days passed, I called the M & T customer service line to inquire about its whereabouts and was told that it had been delivered. I was informed yet again that I would be charged a {$25.00} expedition fee, but would be reimbursed for M & Ts mistake. The card never arrived at XXXX XXXX XXXX, XXXX PA XXXX. After 3 more business days passed, I called a fourth time and finally discovered that my change of address was entered into the system incorrectly by an employee at the aforementioned XXXX XXXX XXXX as XXXX XXXX XXXX which does not exist, causing my card to default back to my previous address, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 
I was instructed to go into a branch in person to correct this error, receive a refund for the multiple expedition fees, and to finally obtain my replacement credit card which I had been without for over a month at this point. When I did so, the branch manager would not help me and I was directed back to the customer service line. 
Ultimately, my decade long tenure as a client with M & T Bank came to an end as every employee I spoke to both over the phone and in person refused to help me. I switched banks and gave up the fight over the {$50.00} not knowing that M & T Bank had submitted 3 separate past due claims for my remaining balance of {$8.00} during the time this went unresolved despite being owed more than my remaining balance by M & T. 
Now, as I am attempting to purchase my first home, I am discovering that M & Ts error is reducing my credit score by roughly 50 points and negatively impacting my mortgage rate. It is my hope that you are able to bring this to a quick resolution rather than have this drag on for months, as it would prevent further unnecessary use of time and resources for all parties. My next steps will involve the Consumer Financial Protection Bureau. 

Respectfully, XXXX XXXX