davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
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: NRA Group, LLC (MD)

Called the debt collection company that appears on my credit report at the number provided. After providing the account number shown on the credit report, personnel at the company could not discuss the account with me because the account is NOT IN MY NAME. I asked why it is on my report? Personnel and a manager could not tell me anything about the account because my name is not on it. 

I then called the original creditor as shown on my report -- they could not find a delinquent account in my name. I was able to determine the name on the account is that of my sister, with a similar name. 

The debt collector acquired that delinquent account and associated to me in error and won't remove it. I have filed dispute with credit agencies and the debt company keeps reporting the information as correct.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Consumer complaint received 2015-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (CT)

My daughter took out XXXX student loads, which I cosigned. She apparently stopped paying the monthly payments sometime in XXXX of 2015. I was unaware of this until I received a phone call in late XXXX from Wells Fargo, the debt holder. I asked for a statement, and paid the bill when it was received. I then received numerous calls over a period of several weeks and in each instance I asked for a written statement. Each of these statements FALSELY state that I had received numerous prior notifications. That is simply not true. I recieved no prior notification whatsoever. I paid all of these bills when notified, and yet Wells Fargo has now notified all XXXX credit agencies that I am in arrears, which has had a devastating impact on my credit rating. I have always had perfect credit. I acted in good faith to fulfill my obligation as a co signer. Wells Fargo has acted in bad faith, has improperly damaged my credit, and has repeatedly failed to timely notify me of the debt owed, and has refused on multiple occasions to provide documentation when requested. This surely must be a violation of fair credit practices.
Consumer complaint received 2022-09-07
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: Credit Karma (MO)

On credit carma it told me i was pre approved for two credit cards. So i filled out for both of them. I was not accepted to either one and it put inquiries on my report which made my credit score drop. I only filled it out because ive never had a credit card before and it said it would raise my score if i got one but it made it worse.
Consumer complaint received 2020-11-10
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: EQUIFAX, INC. (NC)

Equifax continues to report a collection account on my credit that does not belong to me. The account is missing the name of the collection agency, and Equifax refuses to remove the account even though it's not reporting accurately.
Consumer complaint received 2019-06-27
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: Law Offices of Marvin S. C. Dang, LLC (HI)

XXXX has acknowledged that I have paid towards an account that was negotiated at {$1200.00} and that I showed bank records pay $ XXXX/mo every month totaling {$870.00}. They are not recognizing the receipt for cash given to previous debt collectors XXXX-XXXX  even though I have shown the receipt here online and sent hard copies " certified mail, return receipt requested '' to new Attorney Marvin Dang and XXXX credit card company. Please note attachment showing a digital image of the receipt in the amount of {$640.00}. {$1200.00} minus {$870.00} leaves a balance of {$340.00}. {$340.00} minus the cash that was given to XXXX-XXXX  in the amount of {$640.00} means that I have OVERPAID by {$300.00}. Before I begin proceedings to request my {$300.00} be refunded to me, it would behoove XXXX to submit to credit bureau agencies a full statement factually stating that this account is PAID IN FULL.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

I submitted a dispute on XX/XX/XXXX to XXXX, regarding the accuracy of the details of an account, and once the dispute was completed. XXXX  updated information on the account that was inaccurate and not verified by the creditor. They updated my report showing on-time payment history from months beginning XXXX, however this is inaccurate because the account was already closed and in a delinquent status prior to XX/XX/XXXX. When I contacted XXXX Dispute Customer Support, they advised that I contact the creditor directly. 

When I contacted the creditor ( Wells Fargo Card Services ) they said that it was the credit bureau 's responsibility for verifying the reported data. The creditor confirmed that this account was closed as of XX/XX/XXXX. However when asked to provide statements from the account to verify payment history, they said that they did not have these statements because the account in question was too old. I just need my report to reflect the accurate and complete information
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX, account ; XXXX, this account is not mine. 
2. XXXX, account ; XXXX, this account is not mine. 
3. XXXX, account ; XXXX, this account is not mine.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - Account XXXX : XXXX
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

I am an XXXX  XXXX  student that moved in to NY less than a month ago. I have recently opened a Chase account so I could receive the XXXX  from my university. My friend, who is also an XXXX  student, did exactly the same thing. 
She had to transfer some money to me, so, after we opened our accounts, she tried to do a XXXX transfer in the amount of {$3000.00}. Because her account was new, she was not able to do it, so she did a {$500.00} XXXX transfer and Chase employee advised her to deposit me a check of the rest of the amount ( {$2500.00} ). 
This deposit had my account restricted because they can not verify her phone number. So now I'm not able to use my money or to deposit my university stipend check. 

I've called Chase several times and no one was able to do anything while she does not have a " good number ''. On XX/XX/XXXX, the XXXX of us went in person to a Chase branch with all of our IDs to discuss this in person, and again no result. They told us that the phone is the only way to verify a person! 
My friend even contacted her phone provider and they told her that the number is already registered in her name. 
So now I'm stuck with this restricted account that has my rent payment and I can't close my account, I can't solve this, I can deposit my payment. I can't do anything and apparently neither my friend nor anyone at Chase can. 

It is very frustrating and I am incredibly disappointed with my customer experience so far. I'm being punished for a data mismatch that is not my own data!
Consumer complaint received 2019-04-24
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Wrong account was disputed back in XX/XX/2019 through XXXX XXXX, this account was a good standing account which I was a authorized user that my mother in-law XXXX XXXX put me on her account. The creditor company name was changed from XXXX home to XXXX  network, I was told from trans union that this account was deleted and effected my score I asked trans union to please put my history account back nothing happen. And creditors refused to report this account back, they told me they cant report close account, this is a wrongful disputed account please help me to get this account back on my credit report all my information are correct this effected my score when trans union deleted a positive account from my credit report help please.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and DELETE it immediately in my report : XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}
Consumer complaint received 2020-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I have Business, Platinum Checking account with Wells Fargo bank, On XXXX2020 there was a withdrawal for an amount of {$43000.00}, it says Recover For Claim XXXX. Now for the past 20 days my account shows negative balance, my checks have been returned even though I had money in my account. 
I have contacted several Wells Fargo bank officials in different states, local banks etc. None of them know why the money was taken out of my account and who did it. I have incurred several losses including, monetary, credibility in my business circle etc. I have not written any check, or authorized any one in any way for this transaction. 
I would greatly appreciate your assistance in this. 
Name of the account ; XXXX XXXX XXXX XXXX My account number XXXX MY BANK ADDRESS AND CONTACT DETAILS WELLS FARGO BANK XXXX XXXX Service Manager XXXX XXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX XXXX | XXXX, TX XXXX XXXX XXXX Tel XXXX XXXX Fax XXXX XXXX XXXX
Consumer complaint received 2023-03-15
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. (LA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (NV)

Predatory revenue creation. The Covid-19 pandemic happened, American Express increased the annual renewal fee from {$60.00} to {$150.00}. On my Amex card, XXXX XXXX charged me a membership renewal fee for their service I have not used in over a year because there is a pandemic happening, and XXXX would not let me cancel the membership. I disputed the charge with Amex, and Amex claimed the dispute would be resolved. Amex failed to resolve the dispute, and began charging me late fees on the charge. I already told Amex I would not be paying the charge, or late fees, I want my account closed, and Amex did not comply, but Amex was sure to continue adding late fees, and harassing me for not paying the disputed transaction. 2018, I previously reported XX/XX/XXXXXXXX XXXX and XXXX fraud to the CFPB, and the issue remains unresolved, and Amex used the unresolved issue to apply a limit to my Amex credit line. I also reported XXXX, the Department of Education, et al fraud and harassment to the CFPB, and the issue remains unresolved to the point of me being economically hazed from my college program due to XX/XX/XXXXXXXX XXXX et al extorting and libeling me via fraudulent credit reports, and I receive daily harassment from the above businesses in their failure to resolve my grievances they created. I am the Consumer, my Finances need Protection, and the CFPB has consistently failed me along with those mentioned above, and many more.
Consumer complaint received 2023-03-15
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. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate or in error. My personal information, as well as several accounts, have been reported incorrectly, and I believe that these errors are having a negative impact on my credit score. 

The account number and previous addresses reported on my credit report are incorrect. The previous address listed is not my address, and the account number does not correspond to any account that I have ever had. 

Inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX have reached the statute of limitations and should be removed from my credit report. 

The XXXX XXXX XXXX account listed on my credit report ( account number : XXXX ) is not a business that I recognize, and I request that this account be deleted from my credit report. 

The account information for XXXX XXXX ( account number : XXXXXXXX XXXX XXXX XXXX ( account number : XXXX ), XXXX XXXX ( account number : XXXXXXXX XXXX XXXX  ( account number : XXXX ), and XXXX  ( account number : XXXX ) is questionable, and I request that this information be clarified or deleted from my credit report. 

XXXX XXXX XXXX XXXX account ( account number : XXXX ) is another business that I can not recognize, and I request that this account be deleted from my credit report. 

I believe that these errors are in violation of the Fair Credit Reporting Act, which requires that credit reporting agencies ensure the accuracy and completeness of the information on credit reports. I request that these errors be corrected as soon as possible, and that you provide me with written confirmation of the corrections made. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-27
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. (NJ)

Equifax is reporting incorrectly a collection on the XXXX partial account number XXXX. ( Please see pages XXXX and XXXX of the attached credit report. ) It is reporting a balance of {$6500.00}. This account has been settled. Please see the attached summary, specifically payment made to XXXX XXXX & XXXX XXXX & XXXX, regarding this collection. This line item needs to be removed from my credit report. This incorrect reporting is harming my credit score.
Consumer complaint received 2021-11-05
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. (LA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-04-24
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: SYNCHRONY FINANCIAL (NY)

Hello, My name is XXXX XXXX and my identity was stolen in XX/XX/XXXX.  There have been numerous credit card applications and numerous credit cards received in my name and all of them were maxed out and all of them were opened fraudulently. I do not know who or how they obtained all of this information, but it is fraudulent. These accounts include a XXXX  card for {$300.00}, XXXX XXXX card for {$300.00}, and a XXXX Credit card for {$3000.00}. Each account was opened and maxed out on XX/XX/. I called each of these companies to report the accounts as fraud, filed a police report, filed an FTC report, and put fraud alerts with each credit bureau. All of this was completed within 2 days of discovering the fraud in XX/XX/XXXX. Since the reports were filed, both XXXX  and XXXX XXXX have removed the inquiries and credit off of my report, but XXXX has yet to remove the inquiry and report from my credit report. It's now been over 3 months since I have reported everything and yet the fraud account is still on my credit report.
Consumer complaint received 2023-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has committed XXXX XXXX against me and my company. They have garnished my accounts of thousands of dollars under false pretenses. They have unfairly turned me down for loans, credit cards and secured credit cards when the money was in the account. I have had to argue and fight with these banking institutions for years. They have practice unethical practices and behavior..