davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
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: WELLS FARGO & COMPANY (CA)

WELLS FARGO XXXX XXXX is reporting on my personal credit file with XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency & data furnisher are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX XXXX XXXX )
Consumer complaint received 2022-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (FL)

Collection agency SPRINGOAKCAP no additional information on consumer credit report by XXXX XXXX. I do not have nor ever had an account with Original Creditor. XXXX XXXX XXXX XXXX  " reporting a debt that doesn't belong to me '' and belongs to another unknown person on my credit report. I HAVE TAKEN ACTIONS SEE BELOW : STEP 1- Conducted an online search for contact information and called XXXX ( XXXX ) XXXX - After several calls to this agency, the agents were unable to identify my name, account number reported on the credit report, phone number or any other fact. 

STEP 2- online research for this debtCreditor Name SPRINGOAKCAP Account No. XXXX. unable to contact a live person, no information to verify my account. IMPORTANT NOTE- the only way to access them is to give them your full name, social, address and phone. Seems odd because now they have your information completely and provided by the costumer. after entering all my info- the website gave me this note. -- -Your account is either owned by Spring Oaks Capital , LLC or our affiliate Spring Oaks Capital SPV , LLC. 

STEP 3- placed a dispute with the agency and a dispute with all 3 credit bureaus but they have not removed it after my pleas for validation request. instead they have used my calls as acknowledgment of this debtCreditor Name SPRINGOAKCAP Account No. XXXX Original Creditor. XXXX XXXX XXXX XXXX  Responsibility Individual Condition. Derogatory Original Balance. XXXX Balance. XXXX Date Opened. XX/XX/XXXX Date Reported. XX/XX/XXXX Remarks. Placed for collection
Consumer complaint received 2021-12-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FIRST ADVANTAGE CORPORATION (FL)

I have applied to XXXX XXXX, XXXX and XXXX only to be to my background check came back negative. First Adv did all three background checks. I was finally able to obtain these checks. I tried to locate my report only to be refused or stymied at every opportunity. When i was finally able to obtain my report I notice several inaccuracies. First, this was catoragized as a major offense ( ie, XXXX XXXX XXXX XXXX XXXX This was a XXXX XXXX XXXXXXXXXXXX XXXX I was issued at XXXX for food that didn't scan at the self-checkout. yes, i did this but only because i. was hungry 2. there was no help to be found the total was I think XXXX for cold cuts. Now the interesting parts come into play, On XX/XX/2019 i pled guilty to this minor infraction and took the deal ^ 6 months NO report probation /mail-in and I was in compliance with these conditions when I suffered a XXXX XXXX and XXXX. Thankfully I have recovered from this after months of XXXX Apparently and I was unaware of this the XXXX XXXX assigned to my case ( there are issues there as well ) violated me for non-complience. This couldn't be further from the truth. I have been a man of good moral character for my entire adult life. I feel that this needs to be addressed in some common-sense way. I have never been convicted of a felony yet that is how they making it appear. I did not find out about this till XXXX XXXXduring the whole Covid experience. PLEASE help me correct this and these INACCURACIES. ONCE AGAIN I WOULD LIKE TO STATE THAT I HAVE BEEN A MAN OF GOOD MORAL CHARACTER MY ENTIRE life Please dont deny me the right to employment due to these inaccuracies, sincerely XXXX XXXX XXXX
Consumer complaint received 2021-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF YOU NEED MY AUTHORIZATION TO PROCEED, YOU HAVE MY AUTHORIZATION TO PROCEED. 

I, XXXX XXXX, consumer and natural person, have submitted a complaint through the CFPB of the collection account reporting on my credit report. The account is from XXXX XXXX XXXX XXXX XXXX XXXX with account XXXX XXXX XXXX 
The complaint. number submitted through CFPB is XXXX and complaint number XXXX
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (CA)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The DISCOVERBANK XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


DISCOVERBANK XXXX
Consumer complaint received 2020-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo advertises for the WellsFargo PropelWorld card a {$100.00} airline benefit. 
I have a charge from an airline that should apply. 

On XX/XX/19 - I called Wellsfargo to see when the benefit will be applied and was told by the CSR that they've never heard of it and transferred to XXXX. XXXX told me it was a Wells Fargo benefit and transferred me back, Wells Fargo CSR than said it was a rewards thing, transferred me to GoFar rewards and they said they've never heard of it and transferred me back again. 

I again went through the whole process of explaining everything and asked to close the card since again I was told they never heard of it and the moment I mentioned closing a card the CSR started saying they couldn't hear me. So they transferred me again to the Fraud department where they continued saying they couldn't hear me and I should call again.

https : //www.wellsfargo.com/credit-cards/propelworld/terms/ - It's right there in the first line under " Airline benefit ''
Consumer complaint received 2018-04-10
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: Experian Information Solutions Inc. (NY)

There is a student loan on my bureau that I am not signed on. I contacted XXXX   and they could not find the original promissory note. I disputed this with the three credit bureaus. They left the item on my file. I had been told that the credit bureaus do not send disputes on student loans to the student loan entity but simply respond to all disputes as " consumer disagrees ''. I would hope that this is not the case. But since XXXX was unable to even produce a document showing my liability on this loan, someone in this process is guilty of negligence, if not willful negligence. 

I want this item removed from my file as provided in the Fair Credit Reporting Act. 

Account number XXXX
Consumer complaint received 2022-06-10
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. US DEPT ED # XXXX, has violated my rights. And it was reported Twice 15 USC 1681. US DEPT ED # XXXX, has violated my rights. And it was reported Twice XX/XX/2014 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (CT)

To begin, I received multiple offers from TD Bank credit card services this year. XX/XX/XXXX of this year I finally gave in, and decided to see what TD had to offer me. The pre-approval code and notice received stated this would not impact my credit score. When going through the process it then indicated should I proceed it would impact my score. At that point, I ceased from continuing with the TD online process. However, I received a letter from TD Bank thanking me for my interest, and requesting that my application has not been completed. Furthermore, the letter states that there is more information needed in order to complete the application and make a decision. Concerned, I called on XX/XX/XXXX, and spoke to a courteous TD Bank representative XXXX approximately noon. I raised my concern that TD Bank did in fact impact my score, and report to the uncompleted process to the credit bureaus creating a hard inquiry. Unfortunately XXXX did not have the power to remove it from the bureaus. Needless to say however a point worth mentioning I take my credit & scores very seriously. I want this TD Bank inquiry removed immediately. My faith in the CFPB 's effectiveness when dealing with creditors, and legal professionals over the years sadly has waned. Which is why I will be also filing a complaint with FCRA. Without a doubt I am livid with the way the three major credit bureaus works more for the banks and merchants then they do with the actual consumers. I hope the CFPB will take this as seriously as I do although I no longer rely solely on the CFPB for proactive intermediary assistance.
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The AMEX XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


AMEX XXXX
Consumer complaint received 2022-02-03
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-23
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. (TX)

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page 7 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, Equifax and XXXX  have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.
Consumer complaint received 2021-12-04
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. (FL)

Citibank reverse credit from a defective service, I am still disputing the charge. 
I also file a complaint with Florida Department of Agriculture the department that regulate this type of business and will continue to dispute until credit is reverse. 
I send pictures of the oil leak by certified letter XXXX and return receipt XXXX merchant needs to be charge back until oil leak is resolved.
Consumer complaint received 2020-07-24
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: Experian Information Solutions Inc. (CA)

I never received notices from the credit bureaus. I disputed an account and sent my letters out on XX/XX/XXXX. It is now XX/XX/XXXX and I have received NOTHING as of today. It's nearly been 2 months and I do not know what is happening at the bureaus but they are not doing their job. I am including my original letters with this dispute.
Consumer complaint received 2021-12-04
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. (IL)

I noticed that my profile report contains unauthorized accounts that are illegal. I'm concerned that you've included the following information in my credit profile and that you've neglected to follow reasonable procedures to ensure the most extreme possible accuracy in the credit reports you distribute. Credit reporting laws require agencies to report only accurate credit data. Each step should be taken to ensure that the data detailed is completely accurate and correct. The accompanying data should be re-examined in this manner. After carefully pulling my credit report from your agency, I am having significant difficulty locating inaccurate/invalidated accounts. I am unaware of these items or inaccurate information because my information was exposed as a result of the XXXX data breach and may have ended up in the wrong hands. You are filing reports negligently and inaccurately, in violation of the FCRA. I am aware that you lack legal standing as a federally protected consumer, and that you can not retain an attorney to represent you against me. 
I'll seek a default judgment and file a class action lawsuit under XXXX 1640 on behalf of at least 1 % of the corporation for violations, stress, and mental anguish, OR ANY OTHER AMOUNT OF DAMAGES UNDER XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear Sir/Madam, I am writing to file a formal complaint against Trans Union regarding violations of the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. Enclosed, please find a copy of my recent correspondence with Trans Union, as well as documentation supporting my complaint. 

In my previous communication with Trans Union, I have outlined numerous discrepancies and inaccuracies in my credit report, specifically concerning the reporting of accounts attributed to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Despite repeated attempts to dispute and rectify these inaccuracies, Trans Union has failed to take appropriate action and continues to report erroneous information on my credit file. 

I believe that Trans Union 's actions constitute clear violations of the FCRA, including but not limited to : Failure to conduct a reasonable reinvestigation into disputed accounts ( 15 U.S. Code 1681s-2 ). 
Unauthorized reporting of inaccurate information without proper verification ( 15 U.S. Code 1681b ). 
Repeated issuance of frivolous " Verified '' responses without providing substantive evidence ( 15 U.S. Code 1681n ). 
Furthermore, Trans Union 's disregard for the statutory requirements outlined in the FCRA has caused significant harm and distress, including damage to my creditworthiness and reputation, as well as undue financial burden. 

As such, I am requesting that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate enforcement action against Trans Union for its willful noncompliance with the FCRA. I trust that the CFPB will uphold its mandate to protect consumers ' rights and ensure fair and accurate reporting practices by credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-10
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: Self Financial Inc. (TX)

I checked my credit report on XX/XX/2022 and noticed that my whole Self tradeline account has been removed from my credit report of XXXX, XXXX, and XXXX. In Self 's  XXXX XXXX XXXX complaint case number XXXX reply, Self stated that the tradeline was removed due to a request being sent to remove the tradeline from my credit report, but I never requested for the whole tradeline account to be removed. In CFPB Complaint Case Number XXXX, XXXX stated that an investigation was initiated due to the Self Financial/ Lead Bank account being furnished fraudulently, and in response Self deleted the tradeline account from my credit report. I understand that confusion was present during this investigation concerning this matter. I never stated that this account was furnished due to fraud or that the account itself was fraudulent. I requested that all late payments that are on the tradeline to be deleted and updated to paid as agreed and a deletion of those late payments, not the tradeline account, be submitted to all credit reporting agencies.
Consumer complaint received 2022-06-10
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-24
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. (KY)

I tried to apply for a credit card and received many inquiries. 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 instruction. 
Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX 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 2023-01-03
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (NC)

I'm having trouble with the XXXX the state organization in charge of disbursing the Covid Mortgage relief funds. I applied for assistance, and they denied me on the grounds of my loan being over the XXXX XXXX XXXX conforming home limit in 2021 which is false. I filed a appeal and was denied again even with documentation. I believe this company if fraudulently denying hard working Americans of the relief they need to catch up on there Mortgage.