davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (OH)

On or about XX/XX/XXXX, I called Barclays, my credit card company, to report a pending purchase for {$390.00} at XXXX that I did not make. They cancelled my credit card and sent me a new one. I heard nothing more until my statement closed on XX/XX/XXXX and the charge was shown as a transaction included on my statement. I called Barclays and they said they determined the charge was a valid charge. I explained again that I didn't make that purchase and was in possession of my credit card the entire time. Barclays suggested that I call XXXX. I called XXXX to report the fraudulent charge on XX/XX/XXXX. Per XXXX, XXXX XXXX is the fraudster and a hockey table was the item purchased on-line, delivered to an address in the state of Ohio, full address not provided. I filed a police report on XX/XX/XXXX. I called both Barclays and XXXX to report the filing of the police report. XXXX took the information without a problem. Barclays only accepts faxes and postal mail as per their protocol. I faxed the police report to Barclays on XX/XX/XXXX from XXXX, incurring a charge of {$4.00}. 

Between XX/XX/XXXX and XX/XX/XXXX, I have called Barclays and XXXX several times. No one can tell me if XXXX and Barclays are working together to resolve this. I have no idea what is going on as I am constantly told it takes time. It has been over 7 weeks and I still have no resolution. I have been victimized by the person making the fraudulent purchase and daily by XXXX and Barclays as this has taken an enormous amount of time to try to resolve and additional money for the fax services.
Consumer complaint received 2022-01-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-01-12
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: Experian Information Solutions Inc. (CA)

I am infuriated with the credit system we have in place. Paying off a loan should not be a PUNISHMENT and it is to my XXXX XXXX EVERY TIME I PAY IT OFF! My XXXX XXXX dropped XXXX points and I am struggling against it when trying to rent a new home. 

I already have a bankruptcy on my report and this is the second time doing the RIGHT THING ( Paying off my loans ) XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to express my dissatisfaction with the unresolved late open account listed on my credit report and to request immediate action to correct this inaccuracy. Despite numerous attempts to rectify this issue, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing. 

Since discovering this inaccuracy, I have made multiple attempts to have the late open account corrected. I have contacted your customer service representatives, submitted formal disputes, and provided supporting documentation to prove that this entry is erroneous. However, despite my persistent efforts, the late open account remains unresolved on my credit report. 

The continued presence of this inaccuracy on my credit report undermines my ability to access credit and financial opportunities. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not reflect my credit behavior accurately. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your institution. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in correcting the inaccuracies on my credit report. 

I demand immediate action to investigate and rectify this situation by correcting the late open account on my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$33000.00}.
Consumer complaint received 2021-05-12
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. (GA)

I received a notification of a collection from XXXX  alerts. The notification indicated that I had a collections account from XXXX XXXX XXXX for {$200.00} dollars for a hospital visit covered by insurance for my daughter. 

The account and I had not received notice of a existing balance with XXXX XXXX XXXX. 

The account was paid as agreed and is still listed on my credit report
Consumer complaint received 2021-07-13
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: CITIBANK, N.A. (CA)

There are two HARD INQUIRIES by CITIBANK on my XXXX  credit report that were not authorized ; I did not apply for credit with CITIBANK. Furthermore, the inquiries are two months apart. These should be removed from my credit report, as they negatively affect my credit score.

The INQUIRIES from CITIBANK hit on : XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2021-05-12
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)

I received a notification of a collection from XXXX alerts. The notification indicated that I had a collections account from XXXX XXXX XXXX for {$200.00} dollars for a hospital visit covered by insurance for my daughter. 

The account and I had not received notice of a existing balance with XXXX XXXX XXXX. 

The account was paid as agreed and is still listed on my credit report
Consumer complaint received 2022-02-17
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. (CO)

on XX/XX/2021 I sent Credit Collections a dispute to remove a PAID medical collection. I informed them that it falls under The Medical Debt Relief Act : Per Federal LAW it states : " paid-off and settled medical debts must be removed from credit reports that have been fully paid or settled ''. 

Since Credit collections didn't respond, I sent XXXX, Transunion, and XXXX a dispute stating the same thing, XXXX removed it however, I still have not received a response from Transunion or XXXX. 
Transunion updated comments to this : Account information disputed by consumer, meets XXXX  requirements. I'm confident that this is also a violation of the XXXX  considering no investigation was done. 

This is a violation of federal law and must be removed. It has yet to be removed, nor have they responded to me.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My situation is with Bank of America. Checks were deposited into my account and after a few days ( XXXX ) the checks appeared as cleared and funds deposited in my account. 

I made some payments with those funds already in my account and this morning they said the checks were fraudulent and they had to take those funds from my account. 

I called the bank and they said they gave me the funds because Im a gold member in BOA and they wanted to facilitate the funds but then they found out the checks were no good. 

I was baffled and confused because why should a bank clear fraudulent checks. For me they are helping the thieves to steal from their clients! 

All of the transactions happened on XX/XX/2022 and XX/XX/2022. Today the debits appeared in my account. Over {$3300.00}
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Please all names and addresses that are not as following. Anything, else if identity theft and fraud. 


NAME : XXXX XXXX XXXX ALL OTHER NAMES REMOVE ONLY ADDRESS XXXX XXXX XXXX XXXX, FL, XXXX. 

ALL OTHERS REMOVE FROM MY CREDIT REPORT.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Western Portfolio Assets (CA)

XXXX of XXXX XXXX XXXX spoke with me by phone on XX/XX/XXXX about a Debt she claimed I owe to XXXX credit card from XXXX, in the amount of {$6000.00}. When I asked that she have proof of this debt mailed to my home address, XXXX told me " it would be too expensive to mail be proof of the debt to me ; and that the lawyers would prefer to file a lawsuit. '' XXXX continued to say " proof of the debt would be shown to me during my day in court, where interest and collection fees would be added to the debt and shown '' to me. According to XXXX of XXXX XXXX XXXX, the debt could be settled for the amount of {$3000.00}. 
I told XXXX that this debt is outside of the statute of limitations to collect and that this debt is not listed on my credit report. XXXX XXXX response was " that is not true '' ; she also continued to say that " this debt would be returned to my credit report in XXXX after a judgement is placed against me ''. I informed XXXX " I have not been served for any civil matter ''.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9700.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-07-07
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: Consumer Portfolio Services, Inc. (GA)

I went to purchase/finance a vehicle through XXXX XXXX XXXX in XXXX, SC. I gave them consent to pull XXXX credit report later to find out they told me it was pulled XXXX  times and l was lied too it had actually been pulled XXXX times for hard inquiries. I became so frustrated with them I actually paid cash for the vehicle due to the fact they had pulled it so many times especially after negotiating with them about the price due to the markup of the vehicle. I just want these hard inquiries removed from my report. I had decent credit before and now it has dropped my score to the low XXXX due to no fault of my own.
Consumer complaint received 2021-05-12
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: Experian Information Solutions Inc. (FL)

Exparian and XXXX  refuses to block fraudulent accounts from my credit file. Ive sent multiple request via us mail. This is my 3rd CFPB complaint. They keep asking for more time. Ive been a victim of identity theft and need these items blocked per fcra. Ive sent in ftc report. im told it isnt clear. Well i can read it clearly. I have NEVER DONE BUSINESS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREFERRED LEASE EXPARIAN OR XXXX or any of the following companies listed cant produce a signed agreement with my real legal signature!! 
PURSUANT TO SECTION 605B OF THE FCRA REPORTING ACT and send the required notifications to ALL FURNISHERS OF THIS INFORMATION!!!
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2800.00}
Consumer complaint received 2022-03-12
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: Experian Information Solutions Inc. (FL)

I was the victim of identity theft when my wallet was stolen from my vehicle including my social security card, ID, and other personal item, then later used to open fraudulent credit card, personal, and auto loan accounts in my name. On XX/XX/XXXX, I reviewed my XXXX credit reports and found items which I did not open and that did not belong to me. I realized that I was the victim of identity theft and proceeded to file an Identity Theft Report with the FTC, as well as contact Experian notifying them of the Identity Theft, and that they were holding inaccurate data on my report in the form of the fraudulent accounts, and fraudulent inquiries. Experian has not responded to my letter, or FTC Identity Theft Report as of yet which was sent certified mail, nor have they removed the inaccurate items. I am including both the FTC Identity Theft Report that I filed as well as the letter that I sent to them detailing the Identity Theft and accounts.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I am a small business owner. My old employee XXXX XXXX who no longer works for me started to fraudulently modify my check and redepositing it in her account. She received a legitimate check on XX/XX/XXXX. Then on XX/XX/XXXX she made a fraudulent deposit, she modified the check she received on XX/XX/XXXX. She changed the date, check number, and deposited the check to her bank XXXX XXXX  XXXX XXXX ), my bank Wells Fargo Approved it without any notification to me. She proceeded to continue to do this scheme and change the same check 78 times over 7 month before I realized the situation. She also made 6 checks in two different persons account ( 4 checks XXXX XXXX ) and ( 2 for XXXX XXXX ). In total 84 checks were fraudulently made. Many of the checks were deposited on the same date with different amount or date number. I never received any notification from wells Fargo. I believe she was using photo app deposit and then altering the check, but I don't know exactly she could have been working with the teller. Its clear that the same check was used in every deposit because signature is exactly the same and so is the way the back of the check is signed. I filed a fraud complain with Wells Fargo but it was denied because I should have discovered the fraud within 30 days of the first incident. I have a police case against this individuals, but I strongly believe my bank should have protected me especially when its very easy to alter existing check and make a photo deposit. 
I uploaded my bank statements this account is now closed but there were 3 checks posted in XXXX and bank statement is not yet available. On Bank statement Highlighted in Yellow is XXXX XXXX, In Green XXXX XXXX, In Red XXXX XXXX. Summary is uploaded as well.
Consumer complaint received 2023-06-21
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. (CA)

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Credit Acceptance is in violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information. Lenders are required to sell repossessed vehicles in a commercially reasonable manner, meaning they must be sold in the same way as other cars and for average market price. Unfortunately, I still have the car in my possession over the last several years. They have reported to my credit report a past due balance on my credit report.. I have called several times to have this car returned in 2018. Yet, this company hasn't done anything and continue to report a past due and late balance to my account. They haven't attempted to pick the car up.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my dissatisfaction with the unresolved late open account listed on my credit report and to request immediate action to correct this inaccuracy. Despite numerous attempts to rectify this issue, the late open account remains on my credit report, negatively impacting my creditworthiness and financial standing. 

Since discovering this inaccuracy, I have made multiple attempts to have the late open account corrected. I have contacted your customer service representatives, submitted formal disputes, and provided supporting documentation to prove that this entry is erroneous. However, despite my persistent efforts, the late open account remains unresolved on my credit report. 

The continued presence of this inaccuracy on my credit report undermines my ability to access credit and financial opportunities. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not reflect my credit behavior accurately. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your institution. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in correcting the inaccuracies on my credit report. 

I demand immediate action to investigate and rectify this situation by correcting the late open account on my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. With this, I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$33000.00}.