davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
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 am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 2019-11-13
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: Experian Information Solutions Inc. (MI)

Experian is reporting 2 State of Michigan Friend of the Court collection accounts. They have reported them in excess of the time allowed under the 1974 Fair Credit Reporting Act. One account has been reported since 2003.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (IL)

I called and asked that they not allow certain company to access and withdraw money from my account and they were still doing so and the officelocation is an inconvenience for me as a customer because its only so many options and all locations are to far to travel to the overdraft fees are more than I can handle at this point and there is no accommodation on their parts I just want them to close the account but they wont do it
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2020 at approximatelyXXXX XXXX I was informed by Wells Fargo records department that a delinquent late payment account that was previously in their records, no longer exist in their system however they are still reporting this inaccurate information as accurate on my credit report. 

Even though Wells Fargo, creditor, agrees that the information is incorrect and does not exist in their system and should not be on my credit report which was brought to their attention on the above date, they are refusing to initiate and take responsibility to contact the 3 major credit bureaus to remove this erroneous information off of my credit report stating that I would need to 1st dispute it with them. 

Insulting as they may sound why would I need to dispute this account with the creditor Wells Fargo when they have admitted on a recorded line on 2 separate occasions that this account does not exist in their system, by law if the creditor agrees that this information does not exist and/or is incorrect it is their responsibility to contact all 3 credit bureaus to have this information removed immediately which up to this point they have failed to do so.
Consumer complaint received 2021-03-08
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: JLB CORPORATION (MO)

GoldenOak lending obtained my credit report that resulted in a hard hit against my credit without authorization from me to run my credit report. I've reached out to them concerning this matter and was assured that XXXX XXXX who obtained my credit report at their request on XX/XX/21 would go in to have the search/ hard hit removed! This has not happened resulting in my searching for remedial action. I have even received an email from the Sr Loan officer XXXX XXXX advising that he would get this cleared up after phoning initially the number obtained from my credit report and then reaching out to him after receiving an email offering refinance loan services.
Consumer complaint received 2023-11-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

cash app is allowing XXXX  under XXXX to sponsor my XXXX XXXX XXXX daughter and allowed her to have an account that I didn't approve of under her XXXX XXXX XXXX friends account and control and they would remove the account or give me any info to do so. From my understanding it is illegal for a XXXX  to engage in a contract without parental permission.
Consumer complaint received 2024-03-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DIGITAL FEDERAL CREDIT UNION (DC)

I applied for a Savings Account with DCU based on the advertised 6.17 % interest rate I saw online. My application was accepted by DCU around XX/XX/24. After the account was opened, I initiated an ACH of {$1000.00} from an external account on DCUs banking app on XX/XX/24. However, on XX/XX/24, I observed a transfer of {$1100.00} on an external account ( different from the account I scheduled the {$1000.00} transfer from ) stating the transaction date as XX/XX/24 and the recipient as DCU. I was also charged XXXX from my external account XXXX ( while only receiving confirmation for XXXX of those transactions ). 

Having no recollection of initiating the {$1100.00} charge on the app with no details of this transaction showing up on their website/app or being credited to my DCU account, along with the double transfer of {$1000.00}, I grew concerned and contacted DCU for confirmation about the details of these transactions.

DCUs agent stated they didnt recognize the {$1100.00} charge either and told me to contact the institution from where the funds were debited. When I contacted the institution that handled the account which was debited, they investigated and I was informed that it was DCU who initiated it. When I asked for more details, they contacted DCU and based on the response they received, they accordingly decided the investigation in my favor.

For the extra {$1000.00} being debited, the agent told me to simply transfer the money back from my DCU account to the debited account. Based on the agents advice, I initiated XXXX scheduled transfers of {$500.00} and {$400.00} ( because DCU imposed a daily limit of {$500.00} ). After the first transfer was successfully completed, DCU locked access to my account without any notice or warning. This lock was only discovered on XX/XX/24 when I contacted DCUs customer service because my login was not working despite correctly following the instructions for resetting my password. I immediately called DCUs phone line for an appropriate and prompt resolution ( which took over an hour to get to the " right person- XXXX, I believe ). Instead, I was told my account was under review with no definite period of resolution. Since then, I have not received any significant communication or update on the issue from DCU. On the contrary, I have reached out to DCU several times
over the past XXXX months but received no update other than they dont know when it will be resolved.

For an institution whose banking services are primarily digital ( quite literally in the name, too ), I have encountered nothing but problems with how they handle customer service and banking on their app/website ( you know, digitally ).
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

By XXXX XXXX, the bank notified us that my case regarding to fraudulent withdrawl of {$10000.00} from checking account ending in XXXX is closed, again. 

The bank suggested us to file a police report with the affidavit declaring that the withdrawls on XXXX XXXX & XXXX were unauthorized and were not done by us who are the owners of the account. The affidavit was sent to the JP Morgan Chase and was notarized by the County of XXXX XXXX XXXX of New York. HOWEVER, the police station could not let us file a police report with simply using the affidavit and they insisted us to ask the bank for providing a letter stating the case is open and under investigation. 

We then turned to the bank to ask a letter which the police station asked for ; HOWEVER, the bank said they need a police report in order to reopen the case. 

Now the thing is that it is running in a loop. The police needs bank to prove the case is open to file a police report but the bank needs a police report to open the case. We have tried our best to talk to both sides but nothing is improved. 

The fraudulent withdrawls had been taken place for over 8 months and nothing has been done yet. Nothing. We have repeatedly provided the evidence, including the air tickets showing the owner 's absences during the period, proving the owners were absent during the fraudulent withdrawls happened and it is clear that someone used our signature to withdraw the balance from our account unauthorizedly. This is clearly a crime but bank did nothing and they refused to believe this is a crime. They can also use the camera resources from the branch system to view who was illegally withdrawing our account and file a police report but they did not want to take the responsibility to admit this is a crime because they did not want to make any reimbursement. 

This issue has been there for over 8 months. {$10000.00} was stolen, which is 2/3 of our family income. We now live in a proverty and have very little money to survive, especially under the circumstances of global inflation.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I contacted XXXX  on XXXX to remove my fraud alert. I then received a letter from XXXX  saying my request was forwarded to TransUnion and XXXX. Surprisingly, both TransUnion and XXXX  created, instead of removed, the extended fraud alert for me. In the end, I have two more unwanted fraud alerts. Moreover, it is difficult to remove an alert from XXXX  because they request additional documents that I can not provide now. It is also unfair to me to spend extra time and efforts because of others ' mistakes. These alerts without my consent have no contact information attached and thus effectively prevented me from getting new loans or opening new credit lines and ruined my financial plans.
Consumer complaint received 2021-03-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate informations corrected on my credit report.
Consumer complaint received 2021-08-20
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed seven number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX / XXXX. Date of inquiry, XX/XX/XXXX. 
2. US SM Bus Admin ODA. Date of inquiry, XX/XX/XXXX. 
3. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
4. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
5. XXXX  XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
6. XXXX  XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. 
7. XXXX  XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-16
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. (NV)

I recently requested the credit bureau do a verification of accuracy on a few accounts. they completed the investigation and stated the information was accurate. I decided to do a thorough research and found improper inaccuracies after their investigation. In accordance with the FCRA these creditors have violated my rights. 
XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 SEC 602 A. States I have the right to privacy 15 U.S.C 1681 SEC 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction.
Consumer complaint received 2022-08-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IN)

A payoff was sent to the company on XXXX XXXX and was not received until XXXX XXXX. Wells Fargo is horrible. The amount sent was to pay off on XX/XX/2022. I have been contacted 5 times since about paying an additional amount over {$300.00} to which the company has not been able to tell me what the additional amount even covers. I found out today XX/XX/2022 that they still have not cashed the check for all but the additional amount and the additional amount was sent yesterday with that still not being annotated. I have requested that the company cash the check and additional money to pay off the mortgage and they have informed me today it could still take an additional 2 weeks. I have requested they strike any negative remarks to my credit report as well.
Consumer complaint received 2022-08-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC. (FL)

I made a total of 5 phone calls to Ally Bank. Totally unresolved and calls can take hours. I have 2 CDs with Ally. I was successful on Call # 1 and received all of my accrued and paid interest on the 2 CD 's. The interest accrued but not paid on both cd 's required a 2nd call ( I made the mistake of having the interest paid annually. ) Call # 2 resulted in success on one of my CD 's and I was told to hold on until it was finished. Unfortunately, after being on the phone for an hour, my phone battery died. 3 calls later resulted in long times waiting for the resolution. I have to also state numerous messages sent to Ally resulted in no success. Those people can't even read. 

The last 4 numbers of my CD are XXXX. There is approximately {$880.00} of accrued interest but not yet paid sitting on it. I wanted this interest transferred to my XXXX ending in XXXX. 

Therefore, I am hoping that you can intercede and help me with Ally Bank. At times like this I wonder about their solvency if they won't give me my accrued interest as requested.
Consumer complaint received 2022-08-28
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

15 USC 1681 Section 602 A.- States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 - it also states a consumer reporting agency can not furnish a account without my written Instructions
Consumer complaint received 2019-02-01
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. (CA)

credit bureaus refused to reverse the late payments reported on XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2020-09-15
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. (FL)

someone used my name to apply for credit these inquires listed on my credit report are fraudulent i am victim of identity theft here are the inquires. 

FRAUDULENT INQUIRES : 1.XXXX XXXX  XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX
Consumer complaint received 2020-09-15
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. (FL)

someone used my name to apply for credit these inquires listed on my credit report are fraudulent i am victim of identity theft here are the inquires. 

FRAUDULENT INQUIRES : 1.XXXX XXXX  XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.XXXX  XXXX 5.XXXX  6.XXXX XXXX XXXX 7.XXXX XXXX
Consumer complaint received 2019-07-15
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: Credit Plus Inc (IL)

I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.
Consumer complaint received 2019-02-01
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: DISCOVER BANK (CA)

I had moved to XXXX  on XX/XX/2015 Permanantly. But I had noticed that someone ( maybe my room mate ) had stolen my information and opened the credit card and used it. 
I lived in XXXX and I was in XXXX  for short period of time but I think that happened while I was in XXXX. Please remove it from my credit report. 


XXXX Acct # XXXX
Consumer complaint received 2019-02-01
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. (CA)

I don't have a financial obligation to these companies and it is negatively affecting my credit score, please remove it immediately XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX
Consumer complaint received 2023-01-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO PORTFOLIO RECOVERY. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT PORTFOLIO RECOVERY IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTER DATED AND TIME STAMPED FOR YOUR REFERENCE.
Consumer complaint received 2022-08-16
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: Experian Information Solutions Inc. (NV)

i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for Experian, XXXX and XXXX to remove these fraudulent inquires asap. the inquiries are as follows. XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX