davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
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. (AR)

This is XXXX XXXX and I am submitting this CFPB Complaint to request to the removal of the fraudulent accounts and iNformation off of my Credit File. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items that are found to be fraudulent or items resulted due to Identity theft. Please find the required documents to assist in the removing of the fraudulent information which are being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXXXXXX 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 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 According to FCRA Section 605B ( a ), as the Credit Bureaus, you shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (FL)

My number is XXXX please call yMy name is XXXX XXXX XXXX XXXX My identity has been stolen my credit card my social security card been stolen XXXX XXXX XXXX XXXX XXXX I was notified that they have used my identity to receive my social security benefits without my permission I am on my way to social security office I was informed that day used my name to get my social security benefits and I'm not receiving my social security benefits I didn't give them permission to do that can you help me please I am homeless and all I have is my XXXX and they have gotten my XXXX and I need help with getting it back I did not give them no right to to get my my XXXX and I need help and I would like to have them arrested for
Consumer complaint received 2024-03-13
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. (CA)

This account was charged off on the following date XXXX, 2023. Since then the account has reportedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2019-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XXXX XXXX XXXX is charging me {$1000.00} and keeps reporting it every month. I told them that my phone was stolen and tried to keep contacting customer service to shut down my plan 3 years ago and would never listen to me. This occurred over 3 years ago but they keep reporting it and would not take any of my calls after numerous attempts to try to contact to fix this issue immediately. 

XXXX is charging me from XXXX XXXX of XXXX XXXX. I fell and hit my XXXX at XXXX XXXX because the floor was wet and hit on my XXXX   on marble countertop. They insisted on calling the ambulance and getting a XXXX. I tried to refuse but was forced to do so and have many fees associated with that including {$180.00} fee from the XXXX Department of a XXXX I never received! 

My ex, XXXX XXXX, opened up credit card accounts under my name during our relationship including numerous accounts with XXXX XXXX XXXX and drained all the money : {$670.00} {$950.00} XXXX XXXX XXXX with open balance of {$500.00}. I got a restraining  order  XXXX from my ex 5 years ago but the amount of fraud that took place during that relationship was detrimental to all my finances. Not only did he drain all my bank accounts that I saved for my tuition for school at the time ; he falsified my name on numerous credit cards and damaged my credit for years to come. For the past 5 years I have tried to speak with XXXX XXXX and XXXX XXXX XXXX XXXX   about this identity theft and they will not budge nor help me. I was recommended by financial analyst to come to the Bureau so that I can finally help improve my credit. 

I am looking to pursue my education and get my XXXX and want to move to do so. Growing up after my father passed, I wanted to be able to provide one day for my mom and at the age of XXXX I feel strongly about this desire. After working corporate and start ups for the past 7 years I feel that it is time to be able to finally accomplish this dream. I know it might not seem like a lot but these debts have been causing so many issues over the years and I want to be able to move forward and I don't feel right paying someone's debt who abused me financially and I was wondering what I could do next?
Consumer complaint received 2017-11-24
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: CITIBANK, N.A. (FL)

Contacted Citi about a charge on my account and they are giving me a complete run around. Already confirmed with the card network issuer ( XXXX ) regarding issue and they confirmed dispute is valid and eligible for a conditional credit which Citi is refusing. Called at least 10 times with no success
Consumer complaint received 2022-12-02
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. (IL)

I sent a letter on XX/XX/ to XXXX and Equifax to remove erroneous accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00}
Consumer complaint received 2023-02-03
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and deleted on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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. (FL)

First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, Pacific F.C.U v Kaunaone, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the XXXX Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2023-01-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I recently became aware of the latest lawsuit involving Wells Fargo and I'm trying to find out if I may be eligible. I purchased my home through Wells Fargo in XX/XX/XXXX. In XXXX of XXXX, I lost my job after having XXXX XXXX. I had not missed or been late on any mortgage payments and so I called Wells Fargo for a loan modification just to get me by until I found employment. THEY suggested the forbearance plan. My payments were lowered and still I never missed or was late on my payments. During that process, I kept trying for a loan modification but could not get them to approve it. Once the forbearance ended, they called in the amount I still owed. They called me every day. I continued to make payments ; however, the harassment from them would not stop. I do not remember the exact date, but I sold all the gold jewelry I had and sent them a payment of {$1500.00}. The calls kept coming and so, I believe in XXXX of XXXX ( XXXX ) I did not make a payment. By XXXX, I received a foreclosure notice. To avoid foreclosure, I did a short sale. They sold my house for XXXX  the amount I paid for it in XX/XX/XXXX. My Credit was dinged monthly from the moment the forbearance ended. When I purchased my home in XXXX my credit score was well over XXXX. Not only did they ruin my credit, I also lost my lovely little home.
Consumer complaint received 2017-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened a checking account with Huntington Bank, and was supposed to get a {$750.00} bonus. They denied it to me by saying that I already had an account. However, they wer e two different tax id 's ( one a ssn and one a business tin ). I was specifically told by a banker that it would be eligible for the bonus. Thanks
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following items continue to be reported on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

I deposited {$1000.00} they only gave me access to {$300.00} for over a week. Not giving me access to my money. I you want a bank that will be there for you and let you have access to your money XXXX XXXX XXXX  would be one to avoid.
Consumer complaint received 2023-02-03
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely 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 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 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX DEPARTMENT STORE Account # XXXX Account name XXXX XXXX XXXX ( Account # unavailable, only XXXX account on my report ), 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 2023-02-02
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. (FL)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 2023-02-02
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. (FL)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 2021-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MD)

I was involved in a XXXX Ice Cream schemeI. 
I was told To deposit Check that I received4 $ XXXX was told to deposit the check into my bank.Take out 2,000Send itTo-dis account numberChase bank account ending in XXXX The deal was to Have advertisement Shrink-wrapped On my new trailer that I have bought over the course of three months. I were to receive {$800.00} a monthI was cold by my bankOnMondayThey informed meThat checkI depositOnXXXX XX/XX/14 Did not clearI went to Chase Bank On and XXXX to put a stop on the check.They told me that I had to go to my bank And put a stop on itIn which they have already called me MondayTo tell me that the check was no goodSoI can not get my money backI had to pay that {$2000.00} Back to my bank.
Consumer complaint received 2019-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (NY)

According to the fair credit reporting act ( hereafter referred to a FCRA section 609 ( a ) ( I ) ( a ), company is required to verify debt in the original signed consumer contract - any and all account you post to credit report. Otherwise anyone paying for reporting services could fax, mail or email in a fraudulent account. Therefor I am demanding to see original consumer contract with signature you have on file to the account listed. Under FCRA unverified accounts must be removed.
Consumer complaint received 2023-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

A consumer processed a transaction on my Wells Fargo account without my authorization. I called the merchant and explained that I did not authorize that payment. They advised me that it was nothing that they could do, that I needed to call my bank being that it was already processed. I called Wells Fargo and spoke to 3 different agents. I explained that the merchant did not have authority to process that payment. I was told by one of the agents that because the payment was too close to the actual due date, that they couldn't reverse or stop the payment. I qas also told that the payment needed to get paid anyway. That is for the customer to decide if they want to make that payment or not and for what amount.
Consumer complaint received 2022-05-22
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. (NY)

XXXX is reporting a fraudulent account and charges on my report cause a profound effect to my credit score thru no fault of my own. 

I'm including a FTC report along with a bank statement and my XXXX ID to provide my identity.
Consumer complaint received 2023-01-06
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (UT)

Complaint against Comenity Bank & Bread Financial : Purchase at XXXX XXXX was made on XX/XX/XXXX. 

Comenity Bank XXXX Bread Financial charged the wrong total amount and the wrong monthly payment, which amounts were also at variance with XXXX 's records. 

Visited XXXX stores several times and spoke with Comenity Bank/Bread Financial on the phone in the store during XXXX trying to resolve the issue to no avail, Called Comenity Bank/Bread Financial on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX ( all in year XXXX ). Dispute case was opened internally by Comenity Bank/Bread financial in XX/XX/XXXX. 

According to Comenity Bank/Bread Financial staff who identified themselves as supervisors, specialists, and managers- as conveyed over the above listed phone calls- Comenity charged 4 different payment plans against one account and one purchase, resulting in an incorrect total account balance due and incorrect monthly payment. This information was supposedly not discovered by Comenity Bank/Bread Financial  in late XXXX, all previous attempts they could not figure out why the amounts were incorrect. 

Each month I was assured that they had 'resolved ' the issue, the total amount charged to my account and the monthly minimum due both changed radically, even to the point of being charged more than XXXX above the purchase price paid at XXXX XXXX XXXX 

To date ( XX/XX/XXXX ), the minimum monthly payment still is not correct despite speaking with Comenity Bank/Bread financial  supervisors, specialists, and managers multiple times. My dispute has had no resolution and all the agents I speak with indicate that the people handling the dispute are another department and they can not contact them realtime, nor transfer me to them for resolution, and they are very backed up, so there is nothing I can do but wait. 

It has been nearly 4 months with no contact from this so-called resolution department.
Consumer complaint received 2023-01-06
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.