davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX account number XXXX have no idea where this account come from please delete this account immediately. I all so have some inquiries on my credit report that was unauthorized my me XXXX XXXX XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2023-02-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am writing to dispute an account on my credit report that was reported by BANK OF AMERICA on XX/XX/2019. The ownership reason for this dispute is that I have no knowledge of this account. 
Upon reviewing my credit report, I noticed that there is an account that I am not familiar with, and I have never opened or used any services from BANK OF AMERICA. Therefore
Consumer complaint received 2023-03-05
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: WELLS FARGO & COMPANY (TX)

I am tired of WELLS FARGO beating me down ; this has caused me XXXX XXXXXXXX as I'm trying to progress in life- but can't seem to do so because of fraudulent identity theft. I have been disputing with WELLSFARGO since XXXX of XXXX, it is now XX/XX/XXXX and my identify theft concerns have still not been addressed/deleted. I have disputed and received paperwork back from WELLS FARGO claiming that an auto vehicle belongs to me. Paper work documents sent to me from WELL FARGO was not mine and UTTERLY INVALID. I am a victim of identity theft and have items in my name including WELLS FARGO DEALER CHARGE OFF and DEPT ED XXXX that are fraud. I only have one auto vehicle through XXXX XXXX XXXX. I have sent over my police report, my FTC report, utility bill, my personal statement, full SSN card with all corners reflecting, Photo ID & etc. I am a victim of identify theft and WELLS FARGO keeps choosing to look the other way and not help me. I was told by an XXXX Fraud Specialist that I should take WELLS FARGO to court. I do not have the money, time, or energy for that to take place. I have 2 XXXX  parents both with XXXX that I can't even afford to put into home health care. WELLS FARGO opened my dispute again XX/XX/XXXX and closed it right back up XXXX XXXX. A proper investigation in a sense has not been conducted. My documents have all been ignored and they want me to keep sending the same files via postal mail which cost me about {$35.00} for mailing charges to expidaite. I have spent over {$300.00} in the past year of mailing to them disputes. I am tired of going through this process and WELLS FARGO wants to keep playing games with victims of identify theft. It should not take me 437+ days to get identify theft removed from my report. There are several factors including WELLSFARGO DEALER CHARGE OFF and DEPT ED /XXXX  that still shows on my report. I hope this will be my last and final dispute to CFPB. WELLSFARGO & CO. is holding me back from living life, liberty and pursuit of happiness.
Consumer complaint received 2023-03-06
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: CLGF Holdco 1, LLC (CA)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC1681 section 602 states I have the right for privacy.15 USC 1681section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under and open and consumer plan as late for any purpose. 

Creditor XXXX XXXX XXXX Reported Late Payment payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : CB Indigo Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX Creditor : XXXX XXXX XXXX  Reported Late Payment late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX late payment date XX/XX/XXXX XXXX
Consumer complaint received 2023-03-06
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2024-03-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Ensuring timely payments has been my priority with this account, ensuring no instances of overdue payments. I'm puzzled by the late payment remarks appearing on my accounts, and I believe they should be corrected according to 15 USC 1666b - Billing Error.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Velocity Portfolio Group (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX This belonged to a ex spouse and the wont delete.

CKS prime investment llc This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit. 

XXXX XXXX XXXX This company continues to abuse the system. The accounts on my credit with them arent mine and they constantly keep refreshing things on my credit.
Consumer complaint received 2023-02-13
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. (FL)

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
Consumer complaint received 2023-03-06
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CarMax, Inc. (IL)

I submitted an affidavit of Truth and facts to the finance company along with the cease and desist order for the alleged debt. The account was charged off and i never received a 1099c for the balance that the vehicle was charged off for, which is a violation of Federal and IRS laws and regulations. They did not respond to the affidavit that is attached and they did not comply with the cease and desist order. By law after 30 days an unrebutted affidavit stands as truth.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I usto have an account with WF back around XXXX to possibly XXXX. I was charged tons of over draft fees eating up my paychecks. I would like this money back. I had to close the account fir this reason. The evil practices of WF was unbearable.
Consumer complaint received 2022-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (TX)

Hi, Hope this finds you well. I have two, both below {$60.00} accounts that were added to my report that hit my account without my knowledge. I am currently in process of taking out a mortgage, and these two incredible small payments that i had paid in full the second i was noticed are hurting my account over 100 points. 

The XXXX XXXX Account was kept without my knowledge for over 2 years, and was only brought to my attention when a credit pull was taken, I was never reached out to by the utility provider nor debt collector.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$6400.00} ; XXXX  XXXX Balance : {$4300.00} ; XXXX  XXXX Balance : {$6100.00} ; XXXX  XXXX Balance : {$6200.00}.
Consumer complaint received 2023-03-06
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: Self Financial Inc. (CA)

I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$2100.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.
Consumer complaint received 2023-01-13
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. (IN)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Consumer complaint received 2023-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (VA)

We received a collection letter for a debt that we dont owe. We have never received a bill from original alleged provider. 

The demand letter encourages us to just pay the bill. Then if we dont they will pursue collection including credit reporting. 

This is an unscrupulous scam that preys upon people who are afraid of lawyers.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-05-20
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

I have called the debt collector at least 100 times. If phone records nee to be provided please ask. They refuse to take my calls. I spoke to them early on in the process and asked for a detailed report of where the amount of the debt was coming from. I never received any documentation indicating why this debt was owed, or what exactly it was for. I received a call from my old address that there was a letter for me from the debt collector. I went to retrieve the letter and found that they had sued me, without taking my calls, allowing me to settle the debt, and/or providing me with the detailed list that indicating why exactly I owed the amount disputed. The debt collector is now screening my calls and leaving me in a position where I am unable to defend myself.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (LA)

In XXXX of XXXX my mother passed away, In XX/XX/XXXX the remainder of my mother 's life insurance policy from XXXX XXXX was deposited into my CHIME account. As I was made the beneficiary of the life insurance policy I was not married so it was under my maiden name and deposited into my CHIME account under my maiden name. My CHIME account is under my married name but the check still was deposited. Life Insurance policy was deposited in my maiden name. It was then deposited into my bank account. I have had no problems or issues with cash deposits or withdrawals. All of sudden on XX/XX/XXXX I received an email from CHIME stating that my account has been suspended. CHIME has not allowed me access to close to {$20000.00} in my funds which I am entitled to. I have emailed to XXXX ; XXXX ; XXXX ; several supporting documents such as My Drivers License, Birth Certificate , Life Insurance policy showing policy and benefit amount, document showing my name as the Beneficiary and that the funds would be deposited into my CHIME account. 

I have contacted CHIME several times and have spoken to numerous supervisors which each call is all documented in their system and is all on a recorded call. Each time I speak to a representative they are not able to help in no regard and have to transfer me to a Supervisor, once a supervisor gets on the phone and ask me to verify the exact same information the previous representative has verified, Im still able to get no assistance. Each and every supervisor has told me that they will be escalating the ticket to a specialist, with theyre BACK OFFICE TEAM. Many times, I have been told that it would take 24 hours, dating back to XX/XX/XXXX ; then I will be told 48 hours, which 48 hours has surpassed, still no resolve. No representative or supervisor has shown any level of compassion, urgency, or desire to get this matter resolved. No one has even responded to the several emails that I've sent out to the email addresses above ; no one has been able to inform us when the issue would be resolved, no one has been able to tell us even the hours of operation at the headquarters located in XXXX XXXX in which I had to research via the internet. Ive been emailing CHIME beginning on XX/XX/XXXX as it relates to this matter in which a representative told me then if it didnt come from Chime.com dont respond, she also stated verbatim that Chime Outreach was not in her domain. Throughout all, this has caused me tremendous mental anguish and I have been in emotional distress. Any additional or supporting documentation that I may not present I have accessible.
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Finance Company, Inc. (FL)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (NE)

I received a letter from Target on Saturday XX/XX/2023. It explained that my application for a credit card was declined " because we couldn't confirm some required information. '' We can reconsider our decision if you provide the necessary information. I called the XXXX number on the letter and explained that I never applied for the credit card. The representative asked me for the Application ID which I gave her. She read the last four digits of a phone number that was not mine along with a bogus email address. She then gave me the last 4 numbers of a drivers license which did match my license. She the proceeded to explain that they would file a fraud report and that I should do the same.
Consumer complaint received 2023-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NY)

Chime online bank closed my account today with my funds inside saying they will mail me a check in 30 days. I have no access to my funds and I feel like I have been robbed. They didnt notify or warn me about closing my account. Very random time to closed my account and would not give me specific information why they closed my account!. Im very disappointed due my responsibilities with bills and direct deposit coming in. I have no funds right now thank to chime. They need to be investigated.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous,3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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 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
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to request your compassionate consideration in removing the late payment entries on my credit report, which were directly attributed to the unprecedented hardships I faced during the national XXXX pandemic. 

Like millions around the globe, the pandemic significantly impacted my financial stability, hindering my ability to meet my financial obligations on time. During this period, I endeavored to manage my finances to the best of my abilities, prioritizing the well-being of my family and striving to stay afloat amidst the turmoil. 

The unexpected job losses, reduced hours, and the overall economic downturn caused by the pandemic placed immense pressure on my financial resources. Despite these challenges, I have since made a steadfast recovery, ensuring that all my bills are paid promptly and maintaining a responsible financial stance. 

I kindly request that you consider the extraordinary circumstances that led to these late payments. The removal of these entries from my credit report would significantly alleviate the lingering burden my family and I continue to bear, offering us a chance at financial recovery and stability. 

I understand the importance of credit obligations and take full responsibility for my financial health. Since the challenging times of the pandemic, I have demonstrated a consistent and timely payment history, reflecting my commitment to financial responsibility. 

I respectfully ask for your understanding and favorable consideration of my request. Removing these late payment entries will not only significantly impact my life and that of my family positively but also accurately reflect my current financial responsibility and commitment to upholding my obligations. 

Thank you for taking the time to consider my request. I am hopeful for a positive resolution.
Consumer complaint received 2023-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A Capital One account was opened using my information, I was unaware of this account until I began trying to repair my credit. That is when I saw this account I never even recall opening. I have notified the credit bureaus of this fraud. I have already filed a police report regarding this account, as well as others included in this identity theft.