davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (IL)

XXXX and Equifax continue to report inaccurate info on my bureaus the following accounts are a result of identity theft and should be remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  firstly the addresses that the accounts are reporting I never lived at those addresses XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and XXXX XXXX  XXXX # XXXX XXXX IL XXXX the name that the accounts are under XXXX XXXX I did not authorize him to st up any accounts under my social security number. I need these accounts removed immediately I have reached out to the four companies several times asking for a signed agreement between myself XXXX XXXX XXXX and the mentioned companies none of them were able to provide a signed written agreement. I need these accounts removed immediately or I will be obtaining legal counsel for a lawsuit.
Consumer complaint received 2019-05-25
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. (CA)

There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NC)

In XXXX, Wells Fargo wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. Wells Fargo Dealer Services confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with Wells Fargo, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, Wells Fargo Dealer Services was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to Wells Fargo Dealer Services through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, Wells Fargo has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where Wells Fargo wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XXXX and they is INCORRECT!! Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XXXX XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in XXXX.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (OK)

i am a XXXX senior and was a victim of XXXX  and XXXX  XXXX on XX/XX/19. they stole all the money from my XXXX  direct express card. this caused me to be evicted because i didnt hav rent money and has snowballed to the point i am XXXX. the robbers took XXXX $ unauthorized. i have cooperated with law enforcement, the direct express fraud dpt. and the suspects were arrested with my dir, ex. card my id ... on their person. they are in jail i am awitness for the trial XXXX XXXX one was realeased on bond and and i on the XXXX  and woried they might retaliate plu this last 2 nights were the coldest of the year and im about froze. all the direct express people need to do is contact the XXXX okla police dpt or the XXXX county okla dist attys office my case is XXXX. the direct express fraus investion # XXXX the police have atm video of these robbers using my card even! dont refer me to anyone else ive contacted every senior victims assistance place etc.. and i cant even find a XXXX   XXXX  to stay in. 

XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

This is NOT A DUPLICATE and it is authorized by Name : XXXX XXXX XXXX XXXX # XXXX Phone # XXXX I filed this complaint and it was recieved by EXPERIAN on XX/XX/22 and it is now XX/XX/22 which means your investigation took longer than 30 days. THIS IS GROUNDS FOR REMOVAL!!! 

Complaint # XXXX In accordance with the Fair Credit Reporting Act 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 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. StatesI 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 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/2022 XXXX XXXX XXXX  did an unauthorized hard inquiry on my name. 
I also noticed a new city that I never lived on
Consumer complaint received 2019-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I disputed a claim of XXXX at Chase bank for a fraudulent transaction from XXXX and now the claim came back like i did it and now they are going to take out that from my checking account i am about to take this to small claims court
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcy under my name. These accounts and bankruptcy 's are not mine. Please remove all these fraudulent accounts from my credit report. Thank you.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a letter in the mail that I had file for bankruptcy sometime last year. I was shocked on why I was receiving this letter. I didn't think much of it and I thought it could of just been a mistake. Then I received another letter stating the same thing. I then quickly began to believe my identity had been stolen. I started to investigate a little more and I pulled my credit for myself I saw a ton of accounts that I never open and three bankruptcy under my name. These accounts and bankruptcy 's are not mine. Please remove all these fraudulent accounts from my credit report. Thank you.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error :
Consumer complaint received 2019-11-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Customer Service Mortgage Corporation (CA)

We have been working with XXXX Cell : XXXX DRE # XXXX NMLS # XXXX at XXXX XXXX. Since XX/XX/2019 three of my family members filled out a loan application to get a pre approval for a home loan. He has all our social security numbers and personal information. He has not given our pre approval letter yet for a home loan and is using his home internet to process it as he states in a email. He states today his internet is not working. He keeps coming with excuses. 
At first he told us we can only get pre approval letter for the price we want to buy a house for. He would not give us a letter tell us how much we qualify for. He ripping of first time buyers and stealing information. 
By law a pre approval letter is given within 1 to 3 days not two weeks with or without the property being identified. XXXX states The 3 day process starts once a property has been identified.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Sometime in XXXX I had opened an account with a bank for a " secured credit card '' to help build my credit since I had just filed bankruptcy XXXX XXXX XXXX Ref : XXXX. 

I don't remember the bank 's name that I had opened it with but I had never received a card. I did not use it, just paid the XXXX to open it up and needed it to report current. 

I simply forgot about it and lived my life. Sometime afterwards a company by the name XXXX XXXX  bought the bank, I was never notified of this, I still had no card and had not used it. XXXX XXXX  bank charged the annual fee of XXXX and I had not been notified about a balance or anything. 

I was trying to work on restoring and building back my credit ratings and came across this delinquency. I called, called, called, called and called. Finally spoke with someone that helped me, they understood the situation and told me it was resolved. 

I was just trying to get approved for renting housing and was denied several times because of atleast in part by the adverse reporting 30 days lake for YEARS every month they report that I am 30days late to CRA 's. 

The CRA 's show the account is closed in XXXX but XXXX XXXX  reports every single month as if the account is open and gives a 30days late every month and causes severe damage to my credit ratings.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Sometime in XXXX I had opened an account with a bank for a " secured credit card '' to help build my credit since I had just filed bankruptcy XXXX XXXX XXXX Ref : XXXX. 

I don't remember the bank 's name that I had opened it with but I had never received a card. I did not use it, just paid the XXXX to open it up and needed it to report current. 

I simply forgot about it and lived my life. Sometime afterwards a company by the name XXXX XXXX  bought the bank, I was never notified of this, I still had no card and had not used it. XXXX XXXX  bank charged the annual fee of XXXX and I had not been notified about a balance or anything. 

I was trying to work on restoring and building back my credit ratings and came across this delinquency. I called, called, called, called and called. Finally spoke with someone that helped me, they understood the situation and told me it was resolved. 

I was just trying to get approved for renting housing and was denied several times because of atleast in part by the adverse reporting 30 days lake for YEARS every month they report that I am 30days late to CRA 's.

The CRA 's show the account is closed in XXXX but XXXX XXXX reports every single month as if the account is open and gives a 30days late every month and causes severe damage to my credit ratings.
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (SC)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2023-08-05
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: EQUIFAX, INC. (CA)

It has come to our attention that XXXX XXXX XXXX  has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.
Consumer complaint received 2022-08-18
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. (TX)

Sometime in XXXX I had opened an account with a bank for a " secured credit card '' to help build my credit since I had just filed bankruptcy XXXX XXXX XXXX Ref : XXXX. 

I don't remember the bank 's name that I had opened it with but I had never received a card. I did not use it, just paid the XXXX to open it up and needed it to report current. 

I simply forgot about it and lived my life. Sometime afterwards a company by the name XXXX XXXX  bought the bank, I was never notified of this, I still had no card and had not used it. XXXX XXXX  bank charged the annual fee of XXXX and I had not been notified about a balance or anything. 

I was trying to work on restoring and building back my credit ratings and came across this delinquency. I called, called, called, called and called. Finally spoke with someone that helped me, they understood the situation and told me it was resolved. 

I was just trying to get approved for renting housing and was denied several times because of atleast in part by the adverse reporting 30 days lake for YEARS every month they report that I am 30days late to CRA 's. 

The CRA 's show the account is closed in XXXX but XXXX XXXX  reports every single month as if the account is open and gives a 30days late every month and causes severe damage to my credit ratings.
Consumer complaint received 2019-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

This is my second CFPB complaint to Capital One, I filed a previous complaint last month which I have not got any response still. When I contacted Capital One they stated that I need to verify my Social Security Number and send me a SSN form to fill out which I returned to them, they also asked I send in a copy of my driver 's license and SSN card which I did last week. Now there asking for bank statement, which am not comfortable sending my private information in my bank statement. I had this account for years and now Capital One put a restriction on the account and asking for all this without letting me know why there requesting this information.
Consumer complaint received 2019-02-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

I applied for a loan through One Main Financial ad received a call from who I thought was the company telling me i Had been approved. Below is a copy of the loan acceptance letter ; One Main Financial XXXX Attachments XXXX XXXX  ( 3 hours ago ) to me Hello, Mr.XXXX In this Consumer Loan Agreement ( " Loan Agreement '' or " Agreement '' ), the words " You '' and " Your '' mean the Borrower identified above. The words " We, '' " Us '', " Our '' and " Lender '' mean One Main Financial holdings, LLC, licensed and regulated by the State of Washington Bank Commissioner. 



Monthly Installment Amount {$260.00} Total Months to Re- Pay your loan Amount 12 MONTHS Amount Financed The amount of credit provided to you {$3000.00} PAYMENT SCHEDULE : SECURITY : You have to secure with XXXX ( XXXX XXXX XXXX ) which is going to cost you {$190.00} ( for next 12 months ) which is a Refundable Amount. 

LATE CHARGE : If your payment is one or more days late, you will be charged a one-time late fee in an amount that is the lesser of {$30.00} or 5 percent of the total late Payment ( including finance charge ).

PREPAYMENT : If you pay this loan off early, you will be entitled to a refund of any unearned finance charge. Review this entire Loan Agreement for additional information about nonpayment, default and prepayment refunds.

Disbursement Authorization : You authorize us to disburse the proceeds of Your Loan, totaling ( Loan Amount ), subject to the terms and conditions of this Loan Agreement, as follows : 1. {$35.00} to payoff outstanding amounts owing on prior loan ( s ) ( Number ( s ) ), including any outstanding principal, accrued interest and other fees and charges, if any, As of ( Date of Loan ) 2. Loan amount will be deposited to your checking account identified in ACH authorization here in. Thanks Regards, XXXX XXXX ( loan manager ) One Main Financial XXXX XXXX XXXX I'd paid for the insurance to realize that it was all a scam. Asked for my money back and was told it can't be cancelled be cause the player quit the game.
Consumer complaint received 2019-02-09
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: ID Analytics, Inc. (OH)

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name ( XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. Please delete the following addresses they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX