davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
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. (GA)

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX, XXXX XXXX, and XXXX are amongst the list. Every communication with Experian, XXXX, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have not given permission or signed consent that allows the agencies to furnish listed above. Consumer law clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Consumer complaint received 2022-03-18
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (ID)

I opened an account with them back in XXXX or XXXX had XXXX $ from XXXX  transfered into my account. and tried to send 3 wire transfers. They failed and citi blocked/froze my account and online access. I then called to get this resolved and because I hadn't recieved my card yet they would not help me they said I would have to wait for them to send me a refrence number so the customer service lady said she me a refrence number. I was in the process of moving back to my moms house so wouldn't recieve mail at that address and she said that she got my address updated to where I was receiving mail well the refrence number never came its supposedly been sent 3 different times and never came. Ive called over 100 times and the only answer I get is I have to go into a branch.. I cant go into a branch the closest one is 700 miles away and I'm XXXX
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX XXXX XXXX XXXX, and XXXX are amongst the list. Every communication with XXXX, Transunion, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer I have not given permission or signed consent that allows the agencies to furnish listed above. Consumer law clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.
Consumer complaint received 2022-03-18
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. (VA)

I have been in contact with each credit reporting agency since XX/XX/2022. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer. There is a invalid Bankruptcy listed that is not authorized. The agencies are in full violation of the law and I demand they abide by the consumer law as I am the consumer.
Consumer complaint received 2022-03-18
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. (VA)

I have been in contact with each credit reporting agency since XX/XX/2022. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer. There is a invalid Bankruptcy listed that is not authorized. The agencies are in full violation of the law and I demand they abide by the consumer law as I am the consumer.
Consumer complaint received 2020-02-26
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. (NV)

My credit report says I have an alias XXXX XXXX. I think my credit was hacked by people I worked for or people they know. This is not correct information. I have never used this name. Do you need a screen shot of the alias?
Consumer complaint received 2022-03-18
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: Rocket Mortgage, LLC (NC)

XX/XX/XXXX I received an alert for a hard inquiry from Rocket Mortgage that was not authorized. I advised Rocket Mortgage that this was un-authorized and they fail to assist in removing the inquiry off my credit report. 

In addition I have XXXX several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) documentations, They have consistently lied about obtain legible documents despite having agents read the documents to me. They have refused to remove the inquiry after providing the documentations as requested.
Consumer complaint received 2022-03-18
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 — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (ID)

A bunch of errors was being stated in my XXXX XXXX XXXXXXXX, I have sent out letters to both Bureaus and Creditors about the erroneous information but they have neglected my request of submitting to my address any proof or documents to validate the accuracy of their investigation. They failed to meet the XXXX XXXX requirements.
Consumer complaint received 2022-03-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank offered a & XXXX bonus to people that opened a direct deposit account in 2021. My banker never made me aware of this bonus XXXX XXXX, I found out about it by accident now the bank will not honor there bonus and I have spent hours on hold and no response. 
Sincerely XXXX XXXX
Consumer complaint received 2022-03-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

cooper Im waiting funds from the homeowners help program that will pay up to 24 months back mortgage payments im currently 60 days behind I have tried to pay even sending them a full one month payment they sent it back to my bank I dont have a lump sum of XXXX in full at once I also called them to do a payment plan they told me to wait for my payment to post to set it up then they send my payment back to bank My question is at 60 days behind they noted on my account the last day of the demand letter is XX/XX/XXXX i thought u dont receive the demand letter In pa until 3 months behind And get 30 days after the demand letter to fix the account I feel like they are being sneaky the money Im paying that they are returning is not even noted in my account to see any transactions I made or them should be able to be seen regardless of retuned or not
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I have a student checking account with Citizens Bank, I also have a debit card linked to this account. My current debit card is set to expire later this year, so I ordered a new one. When the debit card arrived to my house, it was accidentally sent to a family member who lives in XXXX, Pennsylvania. This family member mistook my debit card for their own and attempted to make deposits and withdrawals with an ATM using my new debit card. However, since this family member did not have my PIN number, they were unable to make a withdrawal or deposit. This family member then went to the local Citizens Bank branch to change the PIN number. Remember, this family member does not have their name on my account and is not an authorized user. The XXXX branch of Citizens Bank then changed the PIN number on my debit card. Remember, this authorization was completed without permission from an authorized member. After that, a deposit of {$150.00} was made on XX/XX/2024. Another deposit was made on XX/XX/2024. And a withdrawal of {$40.00} was made on XX/XX/2024. 

Upon realizing these unauthorized actions were taken, I took actions in my free time to ensure that all money was returned to their rightful owners. I also called my local branch of Citizens Bank to figure out what happened ( i.e., what is described above ) on XX/XX/XXXX and XX/XX/2024. I also requested that the new card be cancelled. The local bank confirmed that : XXXX. Several incorrect PIN attempts were made. 
XXXX. The PIN number was changed by the Citizens bank branch in XXXX, Pennsylvania at the request of an unauthorized member. 
XXXX. Several deposits and withdrawals were made by an unauthorized member.
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (CA)

on XX/XX/year>, I wired XXXX $ from my XXXX XXXX XXXX account into my ally money market savings account. XXXX said that they have released the funds and gave me a reference number but when i go to give it to ally they say they cant track it.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: State Collection Service, Inc. (WA)

XXXX XXXX is reporting incorrect information to my credit report. 
-Two year payment history is incomplete. 
-Date last active is different and incorrect with all XXXX  credit bureaus. 
XXXXLast reported date is incorrect with XXXX .
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX Trans Union is reporting a collection as a " OPEN ACCOUNT*which is not under FCRA compliance . This is inaccurate reporting and needs to be removed immediately. I tried to dispute directly with Transunion and XXXX back verified and I will like the documentation used to verified or they need to remove the account. 

Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-03-18
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: Herbert P. Sears Co., Inc. (AZ)

HP Sears is reporting incorrect information on my credit repot. 
-Payment status is incorrect on XXXX XXXXLast reported date is incorrect with XXXX -date of last payment is incomplete t with all XXXX credit bureaus -Two year payment history is incomplete
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (IL)

Upgrade is not an honest operator. This is not like any credit card I've ever heard of! 
After using the XXXX XXXX Card from Upgrade for my expenses in XXXX, then making a $ XXXX payment by phone because the online system wouldn't take it, ( it wants to make you wait for the due date to suck every nickel out of you ), I found out Upgrade 's payment system never allows you to pay before due date, and they were running interest from the moment I swipe. So, on XX/XX/2022, I paid my full balance of {$54.00}. By the afternoon of XX/XX/2022. I owed Upgrade {$.00}. 
I called them. They said, " The interest keeps running while your payment is processing. '' I made them take the XXXX payment by phone and close my account. I was assured this would be the end of my association with them. 
Unfortunately, I forgot to delete the card from my XXXX XXXX account and {$.00} was charged to that Upgrade account today.

HOW? Upgrade swore my account was closed. Why wasn't that payment simply denied? I am XXXX  and XXXX. These people should not be allowed to pretend this is a credit card. It isn't. It just a scam. And they just lie to you and let you think you've stopped them, when you're still on their hook.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (TX)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-18
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: Resurgent Capital Services L.P. (GA)

LVNV, RESURGENT, XXXX, 1st Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX South Carolina Zip Code XXXX 2nd Address XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX LVNV FUNDING LLC XXXX {$640.00} LVNV FUNDING LLC XXXX {$400.00} I am filing this complaint today against LVNV FUNDING because they have constantly failed and ignored my request to send me accurate and verified documents proving these accounts belong to me. The company has yet to provide me the proper documents that there company is supposed to have on file. This company has exceeded the 30 day request mark to provide these documents, which means that the accounts couldnt be verified and under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please Remove these accounts from my credit report to ensure no further harm is added to the stress you all have caused to my life and credit report. 
Also, this is my fourth time having to dispute this negative account and their negative actions reporting on my credit report. These accounts do not belong to me and as a consumer I have a legal right to dispute inaccurate information on my credit report that was not authorized by me. Lvnv funding reported themselves as the original creditor also reporting as XXXX, and Resurgent. They have also threatened to sue me and take me to court with no intention of doing so because the debt is too old. LVNV Funding has reported this debt not only to me but to my mother as well stating it was her debt and we live in 2 separate states, and we have never acquired any credit together. 
I AM NOT AN ATTORNEY OR THIRD PARTY REP, Please remove these accounts from my credit report, Thank you in advance.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.