davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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. (CA)

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
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)

I recently discovered erroneous remarks and inquires on my credit filed I asked Transunion to preform an investigation into these matters and its been well over 30days since they have yet to respond
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

I recently tried to buy a vehicle, my credit application was submitted to Wells Fargo and they turned me down for financing, afterwards, I received two emails from them saying that accounts were opened in my name at their bank. I called in and they said they would " look into it '' and I still have yet to hear anything back. I am thinking they are back to their old ways and making accounts for people without their permission. If this is the case, I would like to file litigation against them for improper use of my identity and my personal information. XX/XX/21 is when this all happened.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I recently saw a copy of my credit file and was shocked to see the mortgage reporting inaccurately. I was NOT late XXXX or XXXX with XXXX XXXX. 

I also thought due to the cares act if you needed help XXXX it wasn't to show late payments. Why isn't this being followed? My report shows late XX/XX/21, XX/XX/21, XX/XX/21 and I was NEVER late XX/XX/21 and XX/XX/21 Please help get this corrected. I disputed and nothing has happened
Consumer complaint received 2022-01-26
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: World Omni Financial Corp. (AL)

I have been disputing the accuracy of a repossession that appears on my credit report. It's from XXXX but the repossession happened while I was incarcerated and had my identity stolen. The address listed on the repossession paperwork the company sent me has an address on it that I have never lived at. 
Furthermore the date has been re-aged. I have had no activity to this account since XXXX. 
Yet they are showing Date Last Active : XX/XX/XXXX XX/XX/XXXX on various reporting agencies. Neither date is correct. 
I also asked for a the following information and never received them : Original purchase price. 
Date and amount of all payments made. 
Date of repossession. 
Value of car at date of repossession. 
Amount the Car was auctioned off at. 

If this isn't removed from account due the fraud enacted with the re-aging of this accounts activity. I have proof that I was unable to to act on the account long before listed. If this matter and the requested paperwork is not provided, I will be retaining legal counsel, as I have already brought this matter to their attention, and are interested in this case.
Consumer complaint received 2019-10-06
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. (DE)

These Inquiries are Fraud not Authorized are XXXX. XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX  XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX ... EQUIFAX ARE. XXXX   XXXX target dates XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX also XXXX XXXX  XXXX XX/XX/XXXX also XXXX  XXXX  XXXX XX/XX/XXXX also XXXX XXXX XXXX XX/XX/XXXX also XXXX XXXX   XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-05-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC (TN)

Thursday, XX/XX/XXXX Just this past week, Cash Express took money directly from my bank account without my knowledge for a payday loan that I had taken out back in XX/XX/XXXX. This loan was discharged in  my bankruptcy back in XX/XX/XXXX. I was also told that my {$500.00} loan that I took out was Now over {$900.00} since it occurs more interest every single day. I am going to my bank to do a stop payment.
Consumer complaint received 2022-01-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MA)

I have had beyond disrespectful, disgusting and disappointing customer service with Freedom Mortgage. 

I have had called over the last 10 months everyday numerous times to have a partial claim completed and uploaded so that I could refinance with XXXX which only got completed in XXXX due to filing complaints with CFPB. 

Im now not eligible to refinance with the company due to how long it took and credit now dropping. 

I believe that first Freedom owes us {$400.00} for the last now 10 months that we could of saved if we were able to close on our refinance with XXXX if Freedom did not drop the ball. 

Secondly, Freedom should be willing to overlook and overstep anything and everything that needs to be done to get us into a conventional loan if that means pay these small collections off then do it! 

I can not believe as a mother of XXXX XXXX XXXX twins the fact that I have had to call in so many times over 10 months and I still sit here now on hold with Freedom as a type with nothing being resolved is disgusting. 

They should have to show the CFPB all the notes from me calling in!!!
Consumer complaint received 2022-05-03
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. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Consumer complaint received 2021-11-29
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: U.S. BANCORP (WI)

On XX/XX/XXXX my fiance and I tried to cash our security deposit that was issued through US Bank and was denied because I asked too many questions. We started in the drive thru and after being asked for our ss # because our IDS wasn't enough decided to go inside. Once inside we were greeted by the branch manager XXXX XXXX and asked this time for our employers, whether ft or pt as well as the type of work. With have never been asked these personal questions, I was hesitant but did what she asked. I still processed to ask questions which made her no long want to cash our check. Us Bank located at XXXX XXXX XXXX XXXX XXXX wi XXXX
Consumer complaint received 2021-06-11
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: EQUIFAX, INC. (CA)

XXXX Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/XXXX, XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-01-14
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. (FL)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CT)

I deposited a check in the amount of {$8700.00} into my checking account on XX/XX/2022, at a branch. The bank associate advised a few days for the check to clear, and that {$100.00} would be available that day. The {$100.00} was never made available, and the check has been on a " Special Hold '' that the bank manager advised was " random '' ... that the fraud dept does this with checks. It was a check drawn on a local bank, but I was told that when they called to verify if the check cleared they would not give that information over the phone. I explained to The TD bank Manager ( XXXX ) that it was funds paid to me to cover medical expenses after a fall I had at a XXXX XXXX. XXXX XXXX employs XXXX Claims XXXX XXXX to handle these claims..they processed the check. She advised me that if I had them forward documentation that the check cleared their account, that my funds would be released to my account. XXXX XXXX, the claim manager that sent me the check, advised me the check cleared their bank on XXXX XXXX. I provided that documentation to XXXX on XX/XX/XXXX. I had the Claims Manager that handled my claim email it directly to XXXX XXXX XXXX XXXX - email : XXXX. XXXX has still no released my money. I have made numerous calls to the bank only to be told that there is nothing they can do. I have medical bills to pay and do not want my good credit ruined because XXXX is inefficient and inflexible in handling their business.
Consumer complaint received 2022-01-26
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)

I pulled my credit report in XX/XX/2021, and requested an investigation for XXXX XXXX accounts ( XXXX ) XXXX account ( XXXX ) and XXXX account ( XXXX ) reporting on my credit report due to not knowing what the collections are for. After their " investigation '' I received an email saying the accounts have been verified and will remain on my report. I requested another investigation in XX/XX/2021, received the same response.. Accounts are accurate and will remain on my credit report and in XX/XX/2021, I requested a third investigation being they aren't accurate and again rec 'd the same response. In XX/XX/2021, I sent a couple factual disputes letter stating that there was no way the accounts were properly investigated because if they were, the the last reported date would've changed to the most recent date of when I asked for the reinvestigation to XX/XX/2021 for the XXXX and XXXX, there is no FCRA dispute in the comment box for the XXXX and XXXX account, they wouldn't continue to report CO on the conserve account because they would've known its been paid if they investigated the account properly and they would've put the date of last payment for all XXXX accounts since they accounts have been paid. I also pointed out that they re aged the XXXX account which is a FCRA violation. I sent in copies of the last 3 months of my credit reports to show proof of the above mention. I gave the credit bureau XXXX separate times to fix the inaccuracies and violations and yet they failed to do so.
Consumer complaint received 2019-05-24
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: EQUIFAX, INC. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship.Even though its an identity theft claim, a 30 day re-investigation process is required. In the event that Equifax decided not to block the tradelines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Please be advised that Equifax, at this time, will not block the information subject to the Submitted identity theft and/or police report you provided as part of your dispute. We are contacting each creditor directly to verify the account/s on your behalf ''. Equifax made its decision not to block items identified as fraud/heft. No reason was provided. A blatant disregard to the FRCA Section 605 ( b ).  Provided the Following A copy of Police Report A copy of my credit report I received from your company. The fraudulent items are Listed. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B/609E of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
All proof of respondents and faxes. 
And responses
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (CA)

I feel I have had many overdraft fees do to misleading overdraft fee protection practices. This caused my funds to be low and many overdraft fees attached to my acct. since circa 1994. I adamantly feel that money has been taken out of my acct. little by little, damaging my credit scores and leaving me feeling helpless. I am glad Citibank is being held responsible and expect a sizable check in the near future! 
Frustratingly yours, XXXX XXXX.
Consumer complaint received 2022-01-14
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. (AL)

I am a victim of identity theft. It is sad that these companies can flat out violate the federal law like this. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I will be filing with the federal courts about the continuous back and forth with the credit reporting agencies and companies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed. I as the the consumer is also the person to identify this information for validation but not XXXX person has called me to verify not XXXX thing. It has been almost a full year of attempting to get them to correct my credit file. I am no longer waiting and will be taking this to the next level.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

Experian refuses to update my credit report and score. All three my scores and my credit reports are supposed to update on the XXXX of every month. This is a paid that I pay for I made numerous attempts to get my updated reports and scores but they refuses to cooperate. They also refuses to release my report and my score to XXXX.
Consumer complaint received 2022-10-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/202 XXXX
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

Hello. 

As a conscientious consumer, I work very hard to to play within these unfavorable rules of credit reporting/scoring. I have NEVER missed/been late on a payment, CONSISTENTLY stay under 30 % utilization ( usually5-10 % ), but my score just blips upward month after month. XXXX, i use my credit in an event ( even staying well-below 30 % use ), my score goes down a significant ( unfair ) dive. 
If, the very next month, I PAY OFF the same amount used ( or more ), my score doesn't RECOVER by the same points. 

It is unfair, but ESPECIALLY in these HARD times of COVID that the " systems '' are so unfavorable to temporary usage. They should allow a XXXX period to see a pattern, before damaging our score. And ( at least ) should recover our scores with SAME aggressiveness by which it lowered it. 

It is very disheartening and oppressive to get kicked when down, but ignored when consistent ( trying ). Americans are suffering, and struggling. 
Who cares? ( seriously ).
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I was offered a payment in amount of {$3700.00} plus estimated IRS taxes totaling {$5100.00} as compensation for damages caused by Wells Fargo opening deposit accounts which I did not need or want. I was contacted by XXXX XXXX with Wells Fargo Remediation in XXXX of XXXX, offered this amount over the phone. Payment was never received, reported to IRS for tax year XXXX, remains unresolved to date. Additionally, I was offered a subsequent amount of {$500.00} plus IRS taxes totaling {$690.00} in XXXX of XXXX, payments sent to old address after I moved in XXXX of XXXX. Payments were sent to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I moved to XXXX XXXX XXXX, XXXX XXXX, CT XXXX where I currently reside. Neither payment amount covers damages sustained by unauthorized accounts, Wells Fargo refuses to offer compensation, aside from payments not received. An affidavit was signed and sent in to Wells Fargo regarding missing payments, investigated, unresolved. I spoke with XXXX Claims today, XX/XX/XXXX, they claim check in the amount of {$5100.00} was deposited to a XXXX account which I do not own, supposedly deposited within miles of my home... There is no XXXX branch located near me, the closest branch is located in XXXX, CT, a hour away or more. I attempted to explain this to XXXX XXXX, claim rep whom offered amount of {$500.00} over the phone, he referred me back to Remediation Program and or other options out side of Wells Fargo, whatever they may be ... As for check amount of {$690.00}, that item is still in pending status, yet to be resolved.. I've requested a reasonable settlement amount including missing payments numerous times, nothing provided to date. It appears XXXX XXXX is no longer offering compensation for unauthorized accounts, refuses to offer anything, yet I was referred back to them by XXXX XXXX. I've been calling Wells Fargo Executive Phone Bank, given either a case number which is not resolved and or referred to XXXX Settlement which has not information regarding missing payments, does not offer compensation for unauthorized accounts. I've been calling since XXXX of XXXX, numerous cases opened, Wells Fargo reps appear to refer to payments as cashed, which were not by myself. Needless to say, nothing resolved to date.