davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-16
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: FACTUAL DATA CORP. (TX)

Inquiries I didn't authorize, I put a fraud alert in my account months ago, the only valid ones are XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX, XXXX
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I had attempted to reach out to ; Experian about another mess up, and injustice surrounding my credit report! Just to get another stupid response! For as long as I know, and been doing business with all three agencies! When it comes down to the credit score, there shouldn't be any confusion, deceptions, and nor mixed up at all! Experian is now literally attacking my credit score! In this matter, I've made countless efforts to : get my balances down, and lower utilization ratio! However, Experian refuses, and intentionally leaves my score untouched on purpose! Both XXXX, and XXXX has increased my credit score ; as a result of my balances declination, and lower usages status! Oh No, Experian isn't having it, and can care less : about my tremendous efforts, towards getting my credit report decent! All this does is add ; additional insult to injury, to my health, and myself personally! These types of misconduct, renditions, madness, and retaliations backlash has got to stop, CFPB!!!
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
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 (NY)

My rhetorical question to XXXX XXXX This is XXXX XXXX ' XXXX Executive Office Case Specialist XXXX XXXX XXXX XXXX ) reply to me on XX/XX/XXXX : " We also found the check deposit on XX/XX/XXXX, to the account at another financial institution was returned as unpaid on XX/XX/XXXX. Our records show that we sent the funds again for the check in the amount of {$25.00} as a credit to the other financial institution on XX/XX/XXXX, to be credited to the account the check was deposited to on XX/XX/XXXX. '' I have three points for you to clarify : 1. Which financial institution is " as a credit to the other financial institution ''.

2Our records show that we sent the funds again for the check in the amount of {$25.00} as a credit to the other financial institution on XX/XX/XXXX, to be credited to the account the check was deposited to on XX/XX/XXXX. '' Please show proof of another financial institution you deposited on XX/XX/XXXX? Whose account is it? What is the account number? 
I have XXXX XXXX 's statement for XXXX and XXXX, but there is no deposit of {$25.00}. 
3I spoke with XXXX XXXX on the phone and she admitted to have XXXX XXXX XXXX bank statement ( XXXX ). She said today that it is a another financial institution, how can she change it back and forth? 
I am very dissatisfied with the service from Wells Fargo. They shirk their responsibilities, and half a year has passed, and no one has answered me seriously. 
Your irresponsible attitude is a waste of resources. 
If you don't solve this matter for me, I will never give up! 
I once again reminded the relevant customer service staff of Wells Fargo : You and I, take out XXXXXXXX XXXXXXXX XXXX XXXXXXXX statement for verification, and everything will become clear. 
Why are you dodging? Avoid the facts? 
Why don't you dare to face XXXX XXXX XXXX XXXX bank statement for XXXX?
Consumer complaint received 2018-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

this company " TRANSWORLD SYSTEMS '' keeps calling and leaving robot voice messages on my answering machine saying they are attempting to collect a debt TEL:XXXX CASE # XXXX, the debt is not my debt, but they call every other day harassing me.
Consumer complaint received 2024-05-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AZ)

So I rented an apartment 4 years ago, with XXXXXXXX XXXX XXXX But when I left apartment, the company which was running this apartments where change and new company took over this apartments, so this new company put wrong allegations and trying to charge wrong amount from me, since then I am taking to debt collector, but they are not trying to understand the problem. I was supposed to pay only {$700.00} but this new company said there was damages, but this damages was already there before with old company. So the new company didn't understand and trying to charge me {$2600.00}. the debt collectors are IQ Data international.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

I previously had a car loan with Satander Consumer back in 2014. Since then, the account has been closed. However, according to my credit report the account is still open. 

Although I do not have a loan with rhis company, my mother XXXX XXXX does, but for a different vehicle.. 
As such, I have paid for her loan using my credit cards and assume the errors are from misapplied payments (? ) Regardless, this account is still being showed as active on my credit report and it is NOT nor has been for several years.
Consumer complaint received 2018-08-15
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: EQUIFAX, INC. (TX)

XXXX XXXX has refused to remove a bogus address, possibly related to ID theft.

I have disputed this multiple times I have never been to New York I don't want to go to New York THIS IS NOT NOR HAS IT EVER BEEN MY ADDRESS, EVER!

Address XXXX XXXX XXXX XXXX, NY XXXX I SUSPECT ID THEFT.
Consumer complaint received 2020-07-31
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. BANKRUPTCY XXXX DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$200.00} XXXX   XXXX {$510.00} XXXX XXXX {$420.00} XXXX XXXX {$290.00}
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX # XXXX is reporting an account to my credit file with a balance that it should not have. This debt is paid off and I need the entire account removed or updated to show a good account.
Consumer complaint received 2018-08-15
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. ()

As a consumer on multiple instances, I have written several letters to XXXX TransUnion, and XXXX exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). XXXX, TransUnion, and XXXX are in violation of the FCRA.

I will upload the letter, I received from the U.S BANKRUPTCY COURT confirming that they do not report information to XXXX, TransUnion, and XXXX. in addition to a letter from XXXX  confirming my file with them is and was locked when XXXX, TransUnion, and XXXX claimed to have verified information through them, which is illegal and against the law. Along with the complaint letters I sent to XXXX, TransUnion, and XXXX.

" I'm asking that the CFPB assist me in this matter because XXXX, TransUnion, and XXXX has violated my rights to the fullest and this matter has affected my life in the worst way.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CENTRAL BANCOMPANY, INC (CO)

Alright I want to share a XXXX  for Central Bank, called Bank Central only in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I initially applied through the Central Bank 's website for this account, and was then denied as I needed to apply through Bankcentral.net as I lived in CO. I couldn't find any referral links for bankcentral, however the url of : XXXX XXXX XXXX shows the same checking account bonus so I went through that page. 

I applied, made a direct deposit of ~ {$250.00} and before I could make any more transactions to my new account I got a shutdown letter stating they were going to close my account within 10 days. I couldn't get an answer as to why but eventually someone told me it was because I used an invalid referral code, which is odd as most banks won't shut you down if you don't meet a bonus requirement they just won't pay out said bonus. 

To add insult to injury I had to call a few times to let them re-enable external transfers so I could get my funds out.
Consumer complaint received 2023-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Ran my credit report without my consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many more on XX/XX/2023 2023
Consumer complaint received 2020-07-31
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. BANKRUPTCY XXXX DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$200.00} XXXX   XXXX {$510.00} XXXX XXXX {$420.00} XXXX XXXX {$290.00}
Consumer complaint received 2018-08-16
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: EQUIFAX, INC. (NC)

Equifax Credit reporting provided outdated and incorrect information to creditor XXXX XXXX XXXX  and XXXX XXXX XXXXXXXX on XX/XX/2018 with whom my wife and I were applying for a mortgage loan. They reported an open account with XXXX XXXX in the amount of {$2400.00} even though I had disputed the information due to this account was paid in full in XXXX of 2018. They also reported incorrect/outdated info for XXXX XXXX XXXX XXXX of unpaid charge off of {$610.00} even though I had disputed this account and had paid this account in full in XXXX of 2018. 

Transunion continues to report the same incorrect info. 

Both XXXX XXXX and XXXX XXXX XXXX XXXX are both paid in full and closed.
Consumer complaint received 2018-08-16
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: SYNCHRONY FINANCIAL (GA)

I contacted XXXX XXXX listed on my XXXX  credit report disputing the debt that they have reported on my credit file and requesting validation of such account as belonging to me made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 
XXXX XXXX has failed to respond to this validation request within 30 days from the date of my receipt, and I want this account to be deleted from my credit file.
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank abruptly ( and without notice ) closed all of my checking and credit accounts. I had been a customer for over 14 years with no negative/late payment history. In particular, two credit card accounts which I had paid a {$450.00} annual fee for, were closed and the bank refused to refund the annual fees.

I am also seeking to receive a monetary credit for the 500k+ rewards points I had earned from legitimate spend on the account.
Consumer complaint received 2022-03-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings (TX)

Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.
Consumer complaint received 2023-08-16
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$11000.00} ; ( XXXX : XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX : {$41000.00} ; XXXX XXXX XXXX XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX {$790.00} ; XXXX  XXXX XXXX Balance : {$460.00}.
Consumer complaint received 2018-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (SD)

On XX/XX/XXXX, I originated 6 loans with XXXX XXXX XXXX in XXXX XXXX South Dakota. I made all 6 XXXX and XXXX payments to XXXX XXXX XXXX. 

Sometime in XXXX, 3 of these 6 loans were sold to XXXX XXXX XXXX XXXX. On XX/XX/XXXX, at the direction of XXXX customer service agent, I signed up and created my credentials on XXXX XXXX Secure Messaging System Portal. Through this portal, I made all 3 loan payments. Also on XX/XX/XXXX, I enrolled into autopay for all 3 loans ( see attached confirmation emails ). 

On XX/XX/XXXX, our office received a call from XXXX XXXX XXXX XXXX collection agent. I returned the call on XX/XX/XXXX. I was told that I hadn't made payments since XX/XX/XXXX. The checking account enrolled with autopay maintains a very sufficient balance to cover all payments. I don't monitor this account, hence the function of autopay. 

I immediately inquired with the XXXX representative regarding their reporting to credit bureaus and was informed XXXX has been reporting the derogatory items to the credit bureaus. I informed them that I could make all payments immediately and requested XXXX retract the derogatory credit reporting items. I was passed back and forth between XXXX XXXX. I was initially instructed that XXXX couldn't make any changes to their credit reporting and would have to contact the credit bureaus directly. Then another XXXX representative told me to write a letter to their research department and they'd look into it ( see attached letter & XXXX response ). 

Given the conflicting responses and lack of concern for my credit and my financial future, I declined making payments. I inquired with my legal counsel as to next steps and direction to resolve this matter. I was advised by my counsel to make payments and bring account current. On XX/XX/XXXX I tried making this payment. However, after receiving an update of address letter on XX/XX/XXXX ( see attached ), XXXX commenced foreclosure with the a letter from XXXX, XXXX XXXX XXXX ( see attached ). 

I have never received physical mail prior XX/XX/XXXX from XXXX XXXX XXXX XXXX nor had I received any notifications of cancelled auto pay via XXXX XXXX Secure Messaging Portal. 

I was told my a XXXX representative that XXXX was using the wrong mailing address and that their system had noted mail being returned from their mailing address on file. 

My closing disclosure documents with XXXX XXXX denote my personal home address as my mailing address. XXXX has my personal address in their files. 

I need XXXX to correct their mistake and remove all derogatory credit reporting. 

I've spent many hours trying to remedy this with no help from XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

There is a Wells Fargo account reporting on XXXX  that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly with Wells Fargo and XXXX  and they have failed to remove it from my credit report.
Consumer complaint received 2020-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NJ)

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that one of the accounts that was removed from my previous dispute, came back with a different collection this time, the collection name for the alleged debt with XXXX is CREDENCE RESOURCE MANA, I definitely don't recognize this account, the account doesn't belong to me, please stop further collection activities and remove the account from my XXXX and XXXX  credit report.
Consumer complaint received 2018-08-16
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. (OK)

This account XXXX XXXX XXXX is showing on my credit reports as a closed account which I have no account that I have opened and it shows closed 2 years ago. From reading other complaints similar here on consumer finance I'm requesting to please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.