davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Equifax is reporting unauthorized hard inquires on my credit report that I do not recognize. 
XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX
Consumer complaint received 2018-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Manhattan Beach Venture, LLC (TX)

My loan was initially given to XXXX XXXX or some agency and after that it's been transferred to XXXX Department. 
Whenever I call XXXX, they threaten with interest rate, non-negotiable options, don't work with any plan, they were wronged and fraudulently put forbearance on my account several times and now I have more than {$10000.00} of interest without my concern. 
There is a huge fraud going on in XXXX and they are putting wrong information. 
XXXX never explained about any deferement, forbearance or any such thing.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America was notified several times that an account for checking and savings was opened in my name without my authorization. Bank of America responded with stating that they sent information on record to a XXXX XXXX XXXX not only is this address fraudulent, I never lived there. Which is what I advised Bank of America. I am not sure where they got address from, but it certainly was not from me. Bank of America did NOT follow the patriot act, and did not verify my identity. Bank of America allowed these account 's to be opened online without my authorization. These account 's they opened are a result of identity theft. True Identity Fraud. I never once received a debit card for these account 's. I did not call in to discuss these accounts. I did not receive any money from these accounts. I did not authorize these account 's to be opened. I did not sign any account opening documents. These were not approved. I am a victim of identity theft, I have never been a customer of Bank of America. Bank of America did not verify my information prior to opening said account 's. Bank of America 's internal employee must have opened these account 's and used these account 's fraudulent with my stolen identification. Which is unacceptable. This has been reported to the FTC. I do not know the account numbers because again, I never received any documentation on these account 's. Bank of America sent documentation to an address not related to me. Bank of America 's Fraud department refuses to honor claims of identity theft when it's true identity fraud. I believe Bank of America is not only violating consumers rights, Bank of America marks said customers in their system as not bankable. EVEN When you did not even open the accounts to begin with I AM A VICTIM of FRAUD. I do not know who opened the account 's but they did so without my permission. This has been reported to the Police.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I got my freeanualcreditreport yesterday and extremly shoick due to there was 7 unauthorized hard inquiries credit : TRANSUNION : ( 8 UNAUTHORIZED HARD INQUIRIES ) XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXXXXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XXXX XXXXXXXX : ( 2 UNAUTHORIZED HARD INQUIRIES ) XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX ( 5 UNAUTHORIZED HARD INQUIRIES ) XX/XX/XXXX : XXXX XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : US SM BUS ADMIN ODA and all the soft inquiries in 2 months curently
Consumer complaint received 2022-07-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Financial Systems, Inc. (MS)

this is my XXXX attempt trying to correct this inaccurate item from my credit report.I sent XXXX XXXX XXXX a letter requesting the validity of the alleged debts of XXXX, and XXXX on XXXXXXXX XXXX certified mail # XXXX and i haven't receive anything nor have they deleted the unverified and inaccurate items .i will turn this matter over to my attorney to sue if items are not deleted within 14 days. they have violated 15 usc 1692gb by not responding within the 30 days allowed by law. i also have attach copies below for your reference.and the tracking has it been delivered on XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I received a call from XXXX, which is wellsfargo 's number, an individual identified himself as a Wellsfargo 's employee from the Fraud Department and asked for my username and birthday for my online banking account in order to help me nullify some charges from Georgia but instead he locked me out and said I will need to make a new online banking thats why I can't log in. He said I have many payments at different stores and in order to verify my identity and stop these charges I needed to give him a 6 digit number I would receive through a texts from " XXXX '' which is also a wellsfargo automated number for alerts. I gave him 5 of the 6-digit numbers i received from the XXXX number and I told him " why does it say not to share this 6 digit number with anyone wellsfargo will never ask for it '' and he said " only the fraud department can ask for it because we need it to drop the charges. '' I asked for the his name and he said its " XXXX XXXX '' then I hung up. After the call I went to the bank in person and they said someone was added on the 3rd party app called " XXXX '' through my online mobile account with the name of " XXXX XXXX. '' On XX/XX/2022 I spoke to a real wellsfargo representative and had canceled my card, and a new bank account. I have filed a claim on XX/XX/2022 through wellsfargo customer service. He performed really proffesional throughout the call so I thought it must be real this has never happened to me.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXXXXXX XXXX XXXX XXXX XXXX  is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (SC)

On XX/XX/XXXX, in a social group I am apart of I made a purchase for 2 pairs of shoes. I sent the payment of {$550.00} through XXXX thinking I would have purchase protection like XXXX. 
When I sent money I was promised the tracking number the same day but did not receive it. At that point I called my bank Navy Federal and XXXX to cancel the transaction because it was not complete and still processing and I could not and the bank nor XXXX had a clue why it was not giving me the cancel option. 
Since the same recipient has messaged my personal phone as well as contacted me again on the social group stating how he/she was not a scammer and would send me either the money or shoes. He/she again disappeared and has not contacted me. My bank was not willing to help me file a dispute although telling me when I first tried to cancel the transaction that I could file a dispute.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I maintain a Bank of America credit card for emergency use that has an annual fee. I moved back to the U.S. from overseas and didn't realize the payment was due as my mail was following me around. Bank of America proceeded to post negative information on my report and refused to remove it after I corrected the problem. I don't think credit card companies should be able to damage my credit rating solely for late payment of an annual fee.
Consumer complaint received 2022-10-21
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)

On XX/XX/2022 I sent a certified letter to Experian explaining there's more then a dozen accounts listed on my report that were inaccurate and also shouldn't of been listed on my consumer report. The inaccuracies listed on my credit report remains still and they're grossly affecting my credit score. I requested to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature and it was not given.
Consumer complaint received 2020-12-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1700.00}. 
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 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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P. (AZ)

XXXX XXXX  credit card way back in XXXX  card closed charge off paid that bill now resurgent bought a debt that was already solved and or someone else using it claiming to be me I'm not paying someone else who's claiming it my debt I wasn't even in the states during this time.i want that resurgent credit one card off my report credit limit was only XXXX XXXX this isn't my debt and this isn't right that wasn't me.wheres justice for me this isn't right.i want this removed...
Consumer complaint received 2021-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

XX/XX/2021 XXXX XXXX XXXX did a hard inquiry on my transunion credit without my direct expressed permission to do so.
Consumer complaint received 2020-12-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I disputed XXXX XXXX XXXX Acct # XXXX on XX/XX/2020by sending them a Debt Validation letter. They never responded. On XXXX I also sent Experian an letter to Verify the XXXX XXXX XXXX account. XXXX XXXX XXXX verified with Experian but not with me. XXXX did not post on my credit report that I had disputed the account. Experian should not have been able to verify an account that I was disputing with the creditor. I sent another letter to Experian on XXXX asking for verification of account and said XXXX had removed the account. I sent a letter on XXXX to Experian stating that the Date of Last active with Experian and XXXX XXXX were not the same. Keep in mind I still have not heard from XXXX XXXX XXXX yet for verification of debt. OnXX/XX/2020 I sent Experian a letter stating that the Date of Last active was not correct, The date account was opened was not correct and the comments were not correct. This was based off what XXXX XXXX and Experian were posting. On XXXX I filed a complaint against Experian with the Attorney General of Indiana for not following the FCRA in handling my complaints. On XXXX I sent certified XXXX XXXX XXXX a Debt Validation Letter. No response so far and they have not contacted Experian that I am disputing them. my Credit report does not reflect it either. Also Experian contacted XXXX XXXX XXXX once again during this Dispute and XXXX Verified the debt knowing I was disputing the debt. They reported the debt as valid to Experian and Experian posted onXX/XX/2020that XXXX XXXX XXXX Certified that the information was accurate. I still have not heard from XXXX XXXX XXXX about my dispute letters at all.
Consumer complaint received 2022-11-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX is consistently misreporting my credit score as if this is an angry XXXX poodle pretending to be human. 

My XXXX is XXXX but they are misreporting it. 

My Transunion is XXXX but they are misreporting it. 

This falsely lowers my XXXX score, and then consequently falsely lowers the others based upon the falsehoods of this score. 

I have been dealing with this credit score fraud all year.
Consumer complaint received 2020-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NIC, Inc. (TX)

I have not received any confirmation of a legal written contract with my signature, the name, phone, time, and written proof of who your person verified this account with your company. In addition, who did this person spoke at the creditor? their name, time, and phone number on how this person verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. 

( copy from the Affidavit attached and as you can see if was refused ) ************
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, Our Account at Chase Bank in XXXX Texas, on XXXX XXXX received a wire transfer from the XXXX XXXX  XXXX XXXX XXXX for XXXX, which cleared on that day. It then went into a pending transaction status which it is currently in now. We still have not received our funds, my business partner ( XXXX XXXX XXXX and I ). 
would like to Launch an investigation into Chase Bank, and receive the funds owed to us. 
CHASE BANK PENDING TRANSACTION : XXXX XXXX XXXX TRANSPORT BANK NAME : XXXX XXXX  XXXX XXXX XXXX ACCOUNT TYPE : ESCROW ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX TRANSACTION TYPE : INTERNATIONAL WIRE
Consumer complaint received 2020-01-30
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. (NH)

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reasons for this. I knew I had outstanding credit. I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$8400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX  XXXX {$650.00} US DEPARTMENT OF ED XXXX {$7000.00} US DEPARTMENT OF ED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

After hearing about the Equifax computer break in I went to the website to register for free crediting monitoring and credit freeze. I signed up XXXX/XXXX/XXXX. The website says it will send you a email in a couple of days to finish the registration. It has been 7 days and no email has been received. When you call the number they give on the website the only thing they tell you is they have no ability to check anything and wait a couple more days. If you wait and then call back they can only give you Equifax 's number which is continually busy. If you do get through and go through all the prompts to speak to a Equifax agent the last prompt they switch you to gives a busy signal. If you try again the same thing happens.
Consumer complaint received 2022-07-21
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. (FL)

XXXX XXXX is being reported as inaccurate on my credit report. 

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 an account without my written instructions 15 U.S.C 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.