davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
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)

Included in the this section is the letter which I sent to all 3 credit reporting agencies instructing them of the identity theft and fraudulent accounts to be removed, including the timeframe in which it needed to be done by and they did not comply with federal law. Attached are also the letter and my FTC identity theft report.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

I reached out to the Equifax, XXXX, and XXXX regarding this exact matter and it has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX 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 2022-03-14
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: Experian Information Solutions Inc. (TX)

I sent the following but forgot to attach a document. I received the attached settlement letter from XXXX XXXX XXXX XXXX ( XXXX ). I owe nothing for XXXX reasons. I never had possession, fraudulent loan, BUT at a minimum, if XXXX had done their job as a professional company, we would not be talking today. XXXX and Experian did not have permission to access my private credit report. See attached application / permission sent to me by XXXX as reason for accessing my credit report. It is incomplete and should have not been processed AS IT EVEN STATES AT THE TOP OF APPLICATION! It is incomplete and undated. Experian can waste my time and their time by punting this to XXXX who will deny deny deny. XXXX will not admit an error, would rather extort a settlement from me, and dangles poor credit over the heads of consumers..
Consumer complaint received 2023-01-05
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. (VA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated last XX/XX/2022, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

To whom it may concern my husband and I try to get a loan modification with our bank back in XXXX of 2019 due to a loss of income and a job injury we submit paperwork to get the process started in XXXX of 2019 they kept coming back to us that they needed more information so we submitted what they asks for that went on for months know they telling us we dont qualify for a never loan modification due to we had three already we was definitely not informed of that we thought a modification program was a program of you needed help do to a situation Beyond your control. Why was we not informed of this back in XXXX are early XXXX why did they wait so long to where our payments are way behind now now they threatening foreclosure Proceedings on us that will make my family and I homeless because we have no where to go our situation has gotten better we have since decrease our monthly expenses is we just have our monthly payments back and the money we owe to the back are they can give us a payment plan over time to pay back what we owe please help my family thank you
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

Our company XXXX XXXX XXXX issued a check to XXXX XXXX  XXXX XXXX XXXX for {$3300.00}, on XXXX the check was cashed at a Chase Bank in XXXX Indiana near the XXXX XXXX  , we were called several weeks later by XXXX XXXX that the payment was past due. We looked into our account and showed proof that it was sent and cashed, they denied ever receiving the check and demanded payment, we paid them again since this was clearly fraud upon looing at the check and felt XXXX would get our money back from blatant fraud from the Chase bank teller who cashed a check made out to a company and " scribbled out the name with a XXXX marker. 
" 6 MONTHS later '', XXXX is still telling us they are at the mercy of Chase and that there is not timeline on the check repayment from Chase, Chase will not communicate to XXXX or me on how they let their teller cash this company check that was CLEARLY a fraud transaction. 
What do I do??
Consumer complaint received 2020-03-04
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: Experian Information Solutions Inc. (GA)

I reviewed my credit report and I noticed that XXXX XXXX was reporting. I have never signed a contract with XXXX XXXX. If there is a contract in place, then someone at the Dealership forged my signature. I never purchased any vehicle from XXXX. Please assist me in getting this account removed from my credit file. This account is showing on all 3 of my credit files.
Consumer complaint received 2022-03-14
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. (MI)

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 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I, XXXX XXXX XXXX, mailed TransUnion a notice disputing the inaccurate public record which they are furnishing for a fee to other persons on XXXX. TransUnion received the notice on XXXX. TransUnion mailed me a response dated XXXX with a file number of XXXX informing me that they refuse to investigate my dispute. TransUnion 's response to my dispute was that the " XXXX XXXX XXXX XXXX Michigan is the data furnisher who verified the information to them ''. However, I contacted the XXXX XXXX Michigan and they replied to me that they DID NOT verify or furnish such information to TransUnion. 
After receiving TransUnion 's reply I mailed them a demand for reinvestigation, along with the documentation I received from the Court on XXXX via XXXX XXXX mail with return receipt. I demand that TransUnion disclose to me a description of the procedure they used to determine the accuracy of the information. I demand disclosure of all the information in my consumer file, the sources of the information of the public record, and a summary of my rights to obtain and dispute information. If TransUnion can not disclose such information to me, within 30 days of receipt of this notice, I demand that TransUnion delete the inaccurate public record from my consumer file.
Consumer complaint received 2020-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed my credit report and I noticed that XXXX XXXX was reporting. I have never signed a contract with XXXX XXXX. If there is a contract in place, then someone at the Dealership forged my signature. I never purchased any vehicle from XXXX. Please assist me in getting this account removed from my credit file. This account is showing on all 3 of my credit files.
Consumer complaint received 2020-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft. Due to the XXXX Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-12-24
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. (GA)

I pulled my credit report and noticed several accounts that do not belong to XXXX Accounts. Fraud was attended on the accounts. They are as listed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 


n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$31000.00}
Consumer complaint received 2022-12-24
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 (VA)

I submitted an online claim to Wells Fargo regarding an unauthorized charge to my debit card on XXXX/XXXX/22 and allowed for a 30-day settlement. As in the past, I forwarded the Wells Fargo Claims Assistance Center a copy of my communication w/ the merchant and other entities involved w/ the transaction to aid in making the right decision. A copy of my XX/XX/XXXX/22 letter to the Claims Assistance Center is attached. 

As in the past, I followed up w/ the Claims Assistance Center a week prior to the 30th day outstanding to get a feel for where things stood. Upon being informed that the bank ruled against me on the basis of input from Visa, I filed a formal complaint and Request for Review w/ Wells Fargo Claims Assistance Center SVP XXXX XXXX XXXX Copies of the XX/XX/XXXX22 communication w/ the Merchant and other entities were included as enclosures. A copy of my XX/XX/XXXX22 letter to SVP XXXX is attached. 

After not hearing back w/in the 30-day timeframe allotted for a response from SVP XXXX, I called the Claims Assistance Center on XX/XX/XXXX to inform them that Visa played no role in the decision regarding my XX/XX/XXXX22 claim and that I felt the bank erred in deciding against me based on the facts captured in the supporting documentation submitted. 

The boisterous female representative I spoke w/ indicated the decision would not be reversed in the absence of alternative proof of payment. Since this response totally differed from the initial reason provided for the bank 's decision, I ended the call and decided to seek review of the bank 's decision by the CFPB.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It has come to my attention that there are errors on my credit report. The account number XXXX XXXX XXXX XXXX amount XXXX usd. I am demanding the proof be provided that these accounts are in fact mine or removed. Simply verifying that names, addresses and/or Social Security numbers match is insufficient. That s what fraud is, using information belonging to someone else to obtain credit. DO NOT tell me I need to file a police report, as there is no requirement to do so under the Fair Credit Reporting Act. Is your obligation under the FDCPA to prove it or remove it. In XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, the courts said, during a dispute and subsequently investigation, with the original creditor, collector, or a credit bureau, that the original creditor or collector must provide account level documentation. 
That means an original contract, or similar proof, not just a printout of the payments that were made. I am also notifying you that pursuant to 15 USC 1681 ( a ) that you should be aware that information furnishers have lost number suits and are unreliable I will wait the appropriate time as prescribed by law at which time I will proceed to protect my good name and avail myself of any and all legal rights, including but not limited to look at auction.
Consumer complaint received 2020-03-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (MS)

I was always current with my payments with Santander. When I reached out to them in XXXX or XXXX of 2019 and told them that I was starting XXXX school and that I needed help with lowering the payments, they told me that my only option was to refinance the car loan, which I could not do. 

Well, I had to voluntarily give up the car. The car was sold at an auction for less than the original balance and now Santander is coming after me for {$7000.00}. This is still being reported on my credit report and it's not right. 

Not to mention, how Santander is charging the same amount of interest as the car price. For example, my car price was $ XXXX. After 72 months, my payment would be over 30k to this company. 

I don't understand how finance companies are getting away with cheating people like this.
Consumer complaint received 2020-03-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020, I transferred around $ 250K of funds into Merrill Edge account based on the advisor 's claim that I would be  eligible for " Preferred Rewards '' within a few weeks. My transfer-in bonus is contingent upon my Preferred Rewards status. If I do not qualify for Preferred Rewards, I get no transfer bonus. 

Before this, I have around {$300.00} in my Bank of America savings account. 

On XX/XX/2020, I calculated my account 3-month average balance to be : [ ( XXXX * 8 days ) + ( XXXX * 82 days ) ] / 90 days = {$22000.00} which is above the $ XXXX  threshold to be enrolled in Preferred Rewards. 

On XX/XX/2020 I called XXXX and spoke to XXXX at XXXX, Rhode Island ( Advanced Client Solutions ) and he said that I wouldn't be qualified until XXXX, which would make me ineligible for the brokerage account bonus. 

Interestingly, XXXX provided this calculation : My 3-month average balance = XXXX/90 = {$2700.00}. 

I asked him to consider holding $ XXXX at B of A for 90 days, and try his formula again : His 3-month average balance = XXXX/90 = {$220.00} which means even after waiting 90 days, this person wouldn't be eligible for Preferred Rewards. 

By this logic, one would need XXXX XXXX Dollars in order to be eligible for the lowest tier of the Preferred Rewards program.
Consumer complaint received 2022-12-24
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


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 2024-03-19
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. (IN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-24
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-24
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.