davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-11-13
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: Experian Information Solutions Inc. (TX)

XXXX XXXX account was paid in full XXXX XXXX XXXX XXXX debited my account even though the balance was paid in full. I noticed experian has a {$29.00} balance listed on the report so i called to dispute, the first rep told me no because they saw a dispute in XXXX which was baffling. The second rep told me I had to speak to someone else, the third person was a supervisor who told me she worked in the membership department. the fourth rep played like she could not hear me on the phone and disconnected the line
Consumer complaint received 2021-11-13
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: NAVY FEDERAL CREDIT UNION (MD)

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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the fallacious account reporting on my Credit Report : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2023-06-22
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)

Someone applied for and obtained credit cards and loans in my name with different financial Im not sure how they got my information Im not the owner of these accounts XXXX XXXX XXXX opened XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Inquiries XXXX XXXX  XXXX Banking  : XXXX XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX Banking : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Banking : XXXX XXXX Finance : XXXX XXXX XXXX Banking : XXXX XXXX XXXX XXXX : XXXX XXXX Finance : XXXX XXXX Finance : XXXX XXXX Finance : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Report Created On XX/XX/XXXX XXXX
Consumer complaint received 2021-11-13
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. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent in EQUIFAX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX Date XXXX. XXXX, XXXX ; 2. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 3. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 5. XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ;
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on COMENITY BANKXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Investigation took more than 30 days I am not liable for these debts that the bureaus are reporting and have disputed them and pointed out many FCRA violations. I also do not have a contract with any of these companies and I even asked them to validate the information and they were un able to do so.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

My Bank of America ID was looked up on XX/XX/24 XXXX Bank of America password was changed on XX/XX/24 ( unauthorized ) Was not able to access my online banking accounts I called Bank of America and reported Identity theft, and reset my passwords on XX/XX/24 My Bank of America ID was looked up on XX/XX/24 My Bank of America password was changed on XX/XX/24 ( unauthorized ) A XXXX XXXX was added as a XXXX recipient on XX/XX/24 ( unauthorized ) A XXXX account was set up under my name on XX/XX/24 ( unauthorized ) An unauthorized transfer from my Bank of America checking account to a XXXX account in the amount of {$6100.00} occured on XX/XX/24 An unauthorized wire transfer recpient was added to my account, XXXX XXXX on XX/XX/24 An unauthorized wire transfer was requested in the amount of {$1500.00} to XXXX XXXX from my account on XX/XX/24 I contacted Bank of America and put a hold on my account on XX/XX/24 The wire transfer for {$1500.00} was cancelled for security reasons XX/XX/24 I contacted Bank of America and filed a claim of fraud for an unauthorized transfer of {$6100.00} to a XXXX account. A Bank of America representative told my it takes up to 45 days to process claims, with a chance it will not go through.. 
I changed accounts with Bank of America on XX/XX/24 to further protect myself.
Consumer complaint received 2022-05-19
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. (MO)

Someone used my identify and opened a credit card with XXXX on XX/XX/2021. The person put on three purchases totaling approximately {$12000.00} without any payment. The phone number was not mine.

I was totally unaware of the account ( no statements ever reached me ) until yesterday when my other credit cards were frozen due to the severe late payment on this credit account unknown to me. Three credit bureaus downloaded my credit scores as a result. 

I reached out to XXXX Card ( Identity Theft : XXXX ) and XXXX XXXX XXXX department ( XXXX ). XXXX XXXX XXXX said they will start an investigation, which may take 3-4 weeks to conclude. XXXX Identity Theft said they can only protect me from future problems, they can not help me with this incidence. 

XXXX took off the XXXX card from my report. XXXX did nothing of the kind. I am still waiting for Experian to resolve my dispute. 

I don't understand how could someone use my identify to open a credit card at XXXX XXXX? How could this go on for 11 months without detection? I worry this would drag on forever before things can be cleared. Please help. Thank you!
Consumer complaint received 2021-11-13
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: Santander Consumer USA Holdings Inc. (TX)

My name is XXXX XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Report. 

The 3 Credit Bureaus are currently showing 30 days late for the month of XXXX to XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-11-13
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

Investigation took more than 30 days I am not liable for these debts that the bureaus are reporting and have disputed them and pointed out many FCRA violations. I also do not have a contract with any of these companies and I even asked them to validate the information and they were un able to do so.
Consumer complaint received 2022-05-19
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: CITIBANK, N.A. (OR)

Citi Double Cash Card/Wayfair Reported thousands of dollars of fraudulent activity to Citi bank , from Wayfair. Citi opened investigation, but continued allowing many Wayfair charges to go through, and expecting payment for charges. Sent two new cards. Charges still occurring. Wayfair refuses to assist and says its on Citi to block charges. Citi says this is Wayfairs responsibility to stop reoccurring charges. Wayfair will not disclose individuals name or address who is making THOUSANDS of dollars worth of purchases.
Consumer complaint received 2022-05-19
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. (MO)

Someone used my identify and opened a credit card with XXXX on XX/XX/2021. The person put on three purchases totaling approximately {$12000.00} without any payment. The phone number was not mine.

I was totally unaware of the account ( no statements ever reached me ) until yesterday when my other credit cards were frozen due to the severe late payment on this credit account unknown to me. Three credit bureaus downloaded my credit scores as a result. 

I reached out to XXXX XXXX  ( Identity Theft : XXXX ) and XXXX XXXX XXXX department ( XXXX ). XXXX XXXX Fraud said they will start an investigation, which may take 3-4 weeks to conclude. XXXX Identity Theft said they can only protect me from future problems, they can not help me with this incidence. 

XXXX took off the XXXX card from my report. Equifax did nothing of the kind. I am still waiting for XXXX to resolve my dispute. 

I don't understand how could someone use my identify to open a credit card at XXXX XXXX? How could this go on for 11 months without detection? I worry this would drag on forever before things can be cleared. Please help. Thank you!
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-05-19
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXXXXXX 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-20
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: EQUIFAX, INC. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX XXXX, OH XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation  as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-11-13
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, CAPITAL ONE, is currently showing 30 days late on month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2019-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: WELLS FARGO & COMPANY (NC)

And Continued Matter, ,My Cellphone Is Registered With online Services Too, ,And They Sent Me In A Email A One Time Access Code For Online Use Only And Access Code For The Atm, XXXXThat Is Over ( 30mins ), ,This Happened About A Week Ago? So I Really Don't Understand What Is Going On At This Time,,? I'm Very Disappointed With This Type Of Matter
Consumer complaint received 2020-06-05
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 — Investigation took more than 30 days
Company: National Credit Adjusters, LLC (TX)

I have already reported XXXX XXXX to this institution consumer finance and to XXXX  XXXX  and XXXX  and somehow they keep sneaking in and adding the same debt that was reported and not confirmed to all 3 comapnies after all 3 companied removed them can someone please explain why these companies can keep sneaking in debt as collections after all 3 XXXX  XXXX  and XXXX  have removes them in the past. As a matter of fact consumer finance already has a report on XXXX XXXX. This is outragous.
Consumer complaint received 2021-11-13
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: Santander Consumer USA Holdings Inc. (DC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CHRYSLERCAP XXXX Balance : {$10000.00} Date Opened : XX/XX/2017. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-05-19
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: WELLS FARGO & COMPANY (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 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.

15 USC 1666B : A creditor may not treat payment on a credit card account und open end consumer credit plan as lat purpose.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-05-19
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX XXXX XXXX Account XXXX, XXXX XXXX Account XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BK OF AMER XXXX Date Opened : XX/XX/2016 Balance : {$0.00}, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-13
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: ENCORE CAPITAL GROUP INC. (CA)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the MIDLAND FUNDING still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.