davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus, inconsistent. Please remove for innaccuracy, remove all accounts that do not have my correct name. 


My name is XXXX XXXX XXXX ( XXXX IS MY MAIDEN NAME ) My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX MY LICENSE DOES NOT MATCH BECAUSE I HAVE NOT BEEN ABLE TO GET AN APPOINTMENT WITH THE XXXX BUT THIS IS MY CURRENT AND ONLY ADDRESS My phone numbers XXXX
Consumer complaint received 2023-01-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TN)

I have a dual-witnessed, notarized XXXX XXXX XXXX XXXX XXXX XXXX XXXX POA ) that appoints me as Agent ( attorney-in-fact ) for my aunt ( the Principal ). There are no restrictions on the powers granted by the POA. 
Wells Fargo reviewed and accepted the POA, and I am listed as POA on the account. However, they refuse to allow me to add a beneficiary ( other than myself ) on the account, saying that the XXXX XXXX form does not explicitly allow managing beneficiaries ( though a section called " XXXX, trust and other beneficiary transactions '' says, " To ... assert any interest in and exercise any power over any ... property subject to fiduciary control. '' Without beneficiary, in the event of my aunt 's passing, the funds in the account will be tied up in probate and unavailable to use for funeral and other necessary expenses. The funds will be locked and remain as Wells Fargo assets, until such time they are released by probate.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE SENT IN LETTERS TO THE CREDIT BUREAU IN REGARDS TO THIS MATTER. 2 ACCOUNTS THAT ARE ON MY CREDIT FILE WAS NOT DONE BY ME, IT WAS DUE TO IDENTITY THEFT, I DID A FTC COMPLAINT ON BOTH BUREAUS. I TOLD THEM THAT THESE ACCOUNTS DID NOT BELONG TO ME. BEING THAT I WAS IN A DATA BREACH, THEY SHOULD BE UNDERSTANDING, THEY MAKE THE MISTAKES WITH ALL THESE DATA BREACHES THEN WHEN A CONSUMER AS MYSELF COMPLAIN ABOUT ACCOUNTS ON THEIR FILE THAT DO NOT BELONG TO THEM, THE CREDIT BUREAUS GIVE YOU A HARD TIME. I AM IN THE PROCESS OF BUYING A HOUSE, MORTGAGE IS PENDING.
Consumer complaint received 2023-03-16
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-02-15
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: COMMUNITY CHOICE FINANCIAL, INC. (IN)

There is an account reporting with XXXX XXXX XXXX for some type of payday loan. This is not mine it's showing that it opened in XXXX XXXX and I can tell you I never opened an account with any type of payday loan in 2015. This needs to be deleted. I was notified through my XXXX XXXX account that it was reporting on XXXX.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

This company has reported me to credit report agencies without the written and/or verbal consent of myself. This is a violation of : 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 in accordance with the Fair Debt Collection Practices Act. 

Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2019-09-23
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. (PA)

XXXX XXXX XX/XX/19 pulled credit with out my permission I did not give them permission to run or sign no contract agreeing to running ( HARD CREDIT ) XXXX very deceptive. I have also file a complaint with the US Attorney office as well on XXXX.
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America has not updated my account to show the account opened with a XXXX XXXX XXXX credit card on my 3 credit bureaus.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX # XXXX is reporting an inaccurate account on my credit report. I have settled this debt and do not owe anything on it. It should not be on my credit report at all.
Consumer complaint received 2022-03-31
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: WELLS FARGO & COMPANY (FL)

Wells Fargo XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. Fradualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.
Consumer complaint received 2019-09-23
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. (UT)

XXXX XXXX XXXX # XXXX is reporting an inaccurate account on my credit report. I have settled this debt and do not owe anything on it. It should not be on my credit report at all.
Consumer complaint received 2019-09-23
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 HAVE SENT IN LETTERS TO THE CREDIT BUREAU IN REGARDS TO THIS MATTER. 2 ACCOUNTS THAT ARE ON MY CREDIT FILE WAS NOT DONE BY ME, IT WAS DUE TO IDENTITY THEFT, I DID A FTC COMPLAINT ON BOTH BUREAUS. I TOLD THEM THAT THESE ACCOUNTS DID NOT BELONG TO ME. BEING THAT I WAS IN A DATA BREACH, THEY SHOULD BE UNDERSTANDING, THEY MAKE THE MISTAKES WITH ALL THESE DATA BREACHES THEN WHEN A CONSUMER AS MYSELF COMPLAIN ABOUT ACCOUNTS ON THEIR FILE THAT DO NOT BELONG TO THEM, THE CREDIT BUREAUS GIVE YOU A HARD TIME. I AM IN THE PROCESS OF BUYING A HOUSE, MORTGAGE IS PENDING.
Consumer complaint received 2019-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XX/XX/19 pulled credit with out my permission I did not give them permission to run or sign no contract agreeing to running ( HARD CREDIT ) XXXX  very deceptive. I have also file a complaint with the US Attorney office as well on XXXX.
Consumer complaint received 2023-03-16
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. (CA)

On XX/XX/XXXX I notified Experian, XXXX and XXXX that my credit report is reporting incorrect information in regards to XXXX XXXX  account. All 3 stated initially that the information is verified and correct. Experian specifically stated that within 24b hrs. of receiving the complaint. I factually know it's impossible for Experian to determine the correctness of the information within that frame of time. 
On XXXX and in XXXX I again submitted information to dispute the information but again without an investigation they rejected it.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit 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
Consumer complaint received 2022-02-08
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. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NJ)

I have contacted EOS CCA about an account I described to them as a fraudulent account. Ive requested for verifiable proof or the debt be removed from my credit report and I stop being contacted. The company responded with a request to fill out an affidavit with a police report in which I have attempted to and was looked at and spoken to as if I were in the wrong and therefore not receiving a report.
Consumer complaint received 2019-09-23
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: ENCORE CAPITAL GROUP INC. (PA)

I TOOK OUT A CREDIT CARD WITH XXXX ABOUT XX/XX/XXXX. I HAD TROUBLE PAYING IT BACK, SO MY ACCOUNT WAS SOLD 3 TIMES TO A DEBT COLLECTOR. THE ACCOUNT ENDED UP WITH MIDLAND FUNDING LLC. MIDLAND FUNDING FILED A CIVIL SUIT AGAINST ME FOR OVER, XXXX. THE CREDIT AMOUNT WAS ONLY XXXX. THE HEARING WAS SCHEDULE FOR XX/XX/XXXX OR XX/XX/XXXX, BUT WAS RESCHEDULED BY MIDLAND AROUND XXXX TIME, XX/XX/XXXX OR XX/XX/XXXX. I SHOWED UP AT THE HEARING, BUT MIDLAND DID NOT. THE DISTRICT JUSTICE JUDGE, XXXX XXXX, PHONE NUMBER, XXXX, RULED AGAINST MIDLAND AND IN FAVOR OF ME, BECAUSE MIDLAND DID NOT SHOW UP. I NOW FIND OUT, THROUGH MY JOB 'S REQUIREMENT TO HAVE A BACKGROUND CHECK FOR CREDIT PURPOSES, THAT MIDLAND HAS TURNED THIS AMOUNT OF MONEY OVER TO THE CREDIT BUREAUS. I CONTACTED MIDLAND A MONTH AGO ABOUT MY CREDIT REPORT. A FEMALE WAS SUPPOSE TO GET BACK TO ME IN FEW DAYS, SHE SAID. WELL, I FOLLOW-UP WITH MIDLAND TODAY, XX/XX/XXXX. I SPOKE TO ANOTHER FEMALE EXPLAINING THE CIVIL SUITE AND I WAS EXONERATED, DUE TO MIDLAND NOT SHOWING UP TO THE HEARING. THE FEMALE JUST KEPT SAYING I OWE THIS DEBT. I ASKED TO SPEAK TO SOMEONE IN THE LEGAL DEPARTMENT, BUT SHE REFUSED TO TRANSFER ME TO THAT DEPARTMENT. I SAID TO THE FEMALE, MIDLAND CAN NOT SUE ME IN COURT AND NOT SHOW UP AND TURN ME OVER THE CREDIT BUREAU. THE FEMALE STILL SAID, I OWE THIS DEBT. MIDLAND FUNDING LLC TELEPHONE NUMBER IS XXXX. I'M ASKING THAT MIDLAND CLOSE THIS ACCOUNT AND REMOVE IT FROM MY CREDIT REPORT. THANK YOU.
Consumer complaint received 2019-09-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (VA)

My husband and I purchased a new mortgage from XXXX XXXX on XX/XX/2019. The mortgage was transferred to Round Point Servicing Mortgage company in XX/XX/2019. We have made two payments : XX/XX/XXXX and XX/XX/XXXX and are about to make the third payment in XX/XX/XXXX. We have  contacted them several times because they are not reporting the information to the credit bureaus.
Consumer complaint received 2023-04-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (OH)

I recently set up a joint savings account for my mother XXXX XXXX XXXX with synchrony bank XXXX. I then funded account with XXXX from our joint XXXX XXXXXXXX account XXXX. I did this from within synchrony website. The money was withdrawn from XXXX XXXXXXXX on XX/XX/2023 but synchrony said they never received funds. I have been working with both banks for hours. XXXX XXXXXXXX said it was authorized by us so they cant do anything. Synchrony refuses to handle. I cant believe both banks wont help and I dont know what to do.
Consumer complaint received 2019-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have 3 - Tuition Answer loans with XXXX. All loans are reported correctly with the other credit reporting agencies, except to TransUnion, only 1 of the 3 loans are reported on my TransUnion credit report. I have contacted TransUnion by phone who insists it is up to XXXX to report the loans. I have contacted XXXX through disputes and phone calls, who insists TransUnion has to change this on my credit report. Both of these loans missing from my credit report have outstanding balances which I make payment on every month. 

My TransUnion Credit report is not reporting 2 of my 3 Navient loans which are in good standing, one of the loans missing from my credit report is over 12 years old and the other missing loan is over 11 years old. The incorrect reporting has been in this incorrect status for years, and neither agency will correct or remedy the situation. 

Please help! 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I recently pulled my consumer report and noticed there are names, addresses, and inquiries that I do not recognize that leads me to believe I'm exposed to identity theft. I did not consent to this information being added to my consumer report. In Accordance with the FCRA : 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

15 U.S. Code 1681b - Permissible purposes of consumer reports 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 instructions of the consumer to whom it relates.
Consumer complaint received 2019-09-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Santander USA - Vehicle was repossessed in XX/XX/XXXX. They reported it as a charge off XX/XX/XXXX. Santander has reported Failure to Pay monthly since repossession. When they first repossessed it, they updated the balance to reflect what was owed after they auctioned off my vehicle ( around {$6000.00} ). But since have increased the balance to what was owed on the original loan ( {$11000.00} ). They report a failure to pay monthly, causing my credit to continuously take a hit.
Consumer complaint received 2019-09-23
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. (UT)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX, and XXXX are in clear violation of the LAW. Under 15 USC S 1681b -permissible purpose of consumer reports, The law clearly states the following, ( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with the written instructions of the consumer ro whom it relates. Did I give any of those reporting agencies written instructions to furnish the accounts on my credit report? The answer is simply No. Furthermore, the Fair Credit Reporting Act 15 USC S 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ) the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report : Which would mean my Utilization was never supposed to be furnished on my consumer report ever.
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (IL)

My mortgage was immediately sold to Caliber home loans. Since then they have not once correctly calculated my escrow accounts or had accurate payments. 
Now they can not handle that my county has me on once a year payments and I have been fighting with them for months to update this info and re-run my analysis before my payments jump in XXXX and I just keep getting run around in circles while they perform incorrect calculations ( which they admit ) But say they can do nothing about until " research '' finishes but can't give me a timeline on that as well, even after a fairly useless escalation process. 
I have been working on this with them since XXXX with nothing done other than them continually running " analysis '' that has been incorrect per not only my math and the county website, but their own reps on recorded lines.
Consumer complaint received 2019-09-23
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 went to apply for credit and was denied because of things on my credit. After I looked on my credit report, I saw things that don't belong to me. US DEPT ED, DPT ED/XXXX, XXXX XXXX XXXX  XXXX I have already contacted FTC and the local police department.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

Ok so my stimulus card with XXXX $ on it was stolen out of my mail box I was in XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so when I get out I call and all my funds were stolen I disputed it 2 times I even showed them proof I could have. Not used that card and they denied every claim
Consumer complaint received 2022-06-16
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. (OK)

XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX  account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX 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. 

Equifax In accordance with the Fair Credit Reporting act ( XXXX XXXXXXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account xxxxxx XXXX, XXXX XXXX XXXX XXXX account xxxxxx 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. 

XXXX In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX account XXXX, XXXX XXXX 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 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (SC)

There was fraud done with My XXXX credit card, twice with XXXX different cards same company XXXX XXXX XXXX XXXX XXXX. I have made a claim with Navy Federal but they denied my claim.I didnt make these charges.