davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

So on XX/XX/2020 I went into the Wells Fargo bank because I couldnt login into my account and I needed a new debit card. I came to find out that someone was using my account. And the lady told me that my account was considered a takeover. So I had them dispute 4 transactions with XXXX on the XX/XX/2020 {$500.00}, {$500.00}, {$1000.00}, {$500.00} And then there was over 6 transactions with XXXX XXXX XX/XX/2020 {$300.00}, {$300.00}, {$300.00}, {$250.00}, {$250.00}, {$250.00} and 3 more transactions with XXXX XXXX   on the XX/XX/2020 {$150.00}, {$150.00}, {$150.00} but they denied my claims. And I also told Wells Fargo that I wasnt even in town when the purchase were made. I offer to send them a copy of my airline ticket but they didnt care. And The lady also said that I could of planned it. And to stop lying because I was a XXXX and I was a theft and to go back to my country because I didnt belong here. They were super rude and XXXX to me. And I also got In contract with XXXX about the transactions and the reinsure me they had nothing to do with the transactions.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I received emails on XX/XX/XXXX regarding an online XXXX XXXX XXXX XXXX account was opened in my name with Bank of America I tried calling for 2 days to no avail. finally called a bank location on XXXX XXXX in XXXX Ma. Was given an appt to come in on XX/XX/XXXX. During my appt with XXXX we entered my ss # and nothing came up.He tried calling their fraud division couldn't get thru. I called when I got home agreed to a call back. When they called back call was disconnected and they never tried me back. Now Saturday XX/XX/XXXX I received a letter from the bank with the entire account #. I went to the bank today XX/XX/XXXX spoke with XXXX XXXX and her mgr. my ss # now is attached to this account we discovered the email and phone # they attached to this account neither are mine. My email address is XXXX and my phone # is XXXX. The email and ph # on the account is XXXX ph # is XXXX. I do have a call into Bank of america fraud division ... ..again. The branch told me because it was opened on line they can not close it. I am also calling Social Security office to flag my ss #.
Consumer complaint received 2020-02-13
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. (TX)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within Transunion within my report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-02-13
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: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2020 I pulled my report at XXXX XXXX to qualify for a new mortgage, upon review it was shown that multiple accounts on my report were not mine. These accounts are the result of identity theft and fraud that was done in my name. 

These accounts listed on this federal affidavit are fraud, are the result of fraud and have no merit in my name. 

This includes ; XXXX XXXX XXXX {$300.00}, XXXX XXXX {$2300.00}, XXXX XXXX - XXXX XXXX {$410.00}, Midland Credit Management- XXXX XXXX {$2900.00}.
Consumer complaint received 2024-03-07
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. (IA)

I've tried to send letters to the bureaus who's reporting these false Information on my Credit report, they've broken the law by not replying to me in a timely manner, according to 15 USC 1692G Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2020-02-13
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2020 I pulled my report at XXXX XXXX to qualify for a new mortgage, upon review it was shown that multiple accounts on my report were not mine. These accounts are the result of identity theft and fraud that was done in my name. 

These accounts listed on this federal affidavit are fraud, are the result of fraud and have no merit in my name. 

This includes ; XXXX XXXX XXXX {$300.00}, American Express {$2300.00}, XXXX XXXX - XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXX XXXX  {$2900.00}.
Consumer complaint received 2020-02-13
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. (NC)

I applied for they XXXX  XXXX  and was approved, after receiving my credit card from XXXX XXXX  my laptop was stolen and a ex girl of mine added herself to my account as a authervised user and received a card in her name under my credit ( XXXX XXXX XXXX ) I received the bill in the mail and the credit card statement and the card was maxed out! I contacted XXXX XXXX fraud department and they closed the card down and reissued another one, but then they sent XXXX XXXX XXXX another in her name as well and was in contact with her and sending her mail under my name and asking her question about me and her. This is crazy!! XXXX XXXX XXXX stolen my information and made fraud charges and they talk to her and not me. She stole my computer and added herself to my account without my permission and received a card and maxes it out and they talk to her instead of me.
Consumer complaint received 2020-02-13
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: DISCOVER BANK (NC)

I applied for they discover card and was approved, after receiving my credit card from discover card my laptop was stolen and a ex girl of mine added herself to my account as a authervised user and received a card in her name under my credit ( XXXX XXXX XXXX ) I received the bill in the mail and the credit card statement and the card was maxed out! I contacted Discover Card fraud department and they closed the card down and reissued another one, but then they sent XXXX XXXX XXXX another in her name as well and was in contact with her and sending her mail under my name and asking her question about me and her. This is crazy!! XXXX XXXX XXXX stolen my information and made fraud charges and they talk to her and not me. She stole my computer and added herself to my account without my permission and received a card and maxes it out and they talk to her instead of me.
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Fig Tech Inc. (MS)

They keep emailing me day in and day out trying to collect on a debt that has been written off by the company as a loss. I asked them to stop her they still try to contact me by email daily! I cant open my email without seeing them and having a panic attack.
Consumer complaint received 2024-03-07
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. (IL)

I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Consumer complaint received 2020-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I just gotten my State Income Tax Refund into my Huntington National Bank Account and then a couple hours after that they closed my account and put it on hold for 14 to 21 days. I now can not get access to my funds nor to my online banking. I called them and they told me that my funds and the online banking would be available within 14 to 21 days from now. That means I don't have access to these funds until about to XX/XX/2020.
Consumer complaint received 2022-07-05
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 — Was not notified of investigation status or results
Company: Capio Partners, LLC (FL)

I NOTICED CAPIO PARTNERS HAS BEEN FURNISHING INCORRECT UNSUBSTANCIATED INFORMATION TO OTHER CONSUMER CREDIT REPORTING AGENCIES. I HAVE NEVER ENTERED INTO A CONSUMER RELATIONSHIP WITH CAPIO PARTNERS. THIS CONSUMER/NATURAL PERSON SENT CAPIO PARTNERS A CEASE AND DESIST ALONG WITH A VALIDATION OF THE ALLEGED DEBT ON XX/XX/2022. CAPIO PARTNERS HAS NOT RESPONDED, CAPIO PARTNERS HAS NOT ADHERED TO THE FCRA LAWS. CAPIO PARTNERS FAILED TO SUPPLY ME PROPED VALIDATION. CAPIO PARTNERS CONTUNUED FURNISHING THIS ALLEGED DEBT DURING THE INVESTIGATION PERIOD NOR HAS CAPIO PARTNERS PROVIDED ME WITH THE INVESTIGATION EFFORTS. I NEVER GAVE CAPIO PARTNERS PERMISSION TO FURNISH ANY XXXX INFORMATION I DO NOT KNOW WHO THIS COMPANY IS AFFILIATED IS THIS NOT IDENTITY THEFT?
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have tried to reach out several times to Experian & XXXX, to have the lates removed from my report, because XXXX erroneously reported me late, and after several months of this back and forth, its still showing on my credit report the incorrect data and payment history, which moneylion falsely recorded, and still hasnt corrected. enough is enough, i am looking to get mortgage financing in the next few months, and this erroneous reporting, is destroying my credit scores. I have tried several times to rectify this online & by calling, with both bureaus, enough is enough. Also, CFPB, if you refer back over the last several months, you shall see that i have submitted to claims of Moneylions erroneous & disastrous errors, which i provided to Experian & XXXX, and they disregard completely, especially, the part which reflects that XXXX was 100 % wrong, admiited it, and reported erroneously.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.
Consumer complaint received 2019-06-17
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: Experian Information Solutions Inc. (MO)

I did not authorize the following inquiries, nor have I applied for anything and I'm respectfully demanding that these unauthorized inquiries be removed properly and immediately. 

[ 1 ] XXXX XXXX ( XXXX ) [ 2 ] XXXX XXXX ( XXXX ) [ 3 ] XXXX XXXX ( XXXX ) [ 4 ] XXXX XXXX ( XXXX )
Consumer complaint received 2020-02-13
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: AMERICAN EXPRESS COMPANY (FL)

SSN : XXXX DOB : XX/XX/XXXX American express keeps on blocking my cards from usage, after successfully paying on time every single month also adding close friends from New York and California, embarrassing me with them. they now are asking for a financial review, i XXXX XXXX XXXX   currently, a XXXX XXXX, XXXX XXXX, and XXXX XXXX. i have more then enough money to pay these cards i even called asking about the black card they have but this relationship with America express has been rocky. i have attached copies of the bank accounts associated with my businesses statements. i was told to contact the CFPB by my lawyer.
Consumer complaint received 2022-03-21
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. (TX)

Hello so on [ date ] I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2019-08-01
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-08-01
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (CA)

We did a refinance through quicken loans and now just found out it was put as a second on our home we have tried to get the paperwork on this harp they did for us and we cant get any paperwork to find put exactly what they did to us they never told us it was a second mortahe on our home and we are trying to get a line of credit for a hvac unit we desperatly need and wete told we have to have this paperwork and quicken loans wont give us the paperwork.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Consumer complaint received 2023-10-07
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Trans Union has a block on my file as I am not able to get my latest credit score or report through any credit monitoring service. My fico, XXXX credit works and smart credit build are all stating Trans Union has my file blocked or on a XXXX  hold to prevent my credit score or report from being accessed.
Consumer complaint received 2022-07-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I previously sent a letter disputing an account on my credit reporting that is reporting a late payment, but I was never late. You are in violation of 15 US Code 1681a ( 4 ) by reporting mis-information. The account is XXXX XXXX XXXX. It's been almost XXXX months and I have yet to receive anything proving that this late payment is accurate. I am asking for this account to be updated to paid as agreed, never late Y