davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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. (FL)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-07-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

OnXX/XX/19, I was written a check for {$630.00} that was deposited via mobile deposit into my account. On XX/XX/XXXX, my bank debited my account by that amount. The check had been subsequently stolen and cashed at a XXXX XXXX. I filed a claim with my Bank of America, # XXXX XXXX ; they said no adjustment was necessary.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX  : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 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 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXX XXXX EQUIFAX MTG 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Prosper Marketplace, Inc. (FL)

An account with XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA was opened in my name, using my identity, without my consent. This is a fraudulent account. I had to close my bank account and reopen a new account because the person using my identity had access to my banking information and phone records. My computer data was compromised last year and it is believed that is how whomever opened this account was able to gain access to my personal information. I have placed multiple disputes with all 3 credit bureaus. The account was opened in XX/XX/2022 and the credit line is {$500.00}. The current balance owed is {$900.00}. I have placed multiple calls to Prosper as well only to constantly be told that they can't transfer my call to the fraud department because they are having technically difficulties.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2019-09-29
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. (IL)

As I taking an interest in my 3 major credit reports I found something rather odd. I went on the Experian site today XX/XX/XXXX and found that I have 20 inquiries! 20 really? 

I was not aloud to dispute any of them and was not able to get through to them because something was wrong with their phone system. Perhaps others having the same issue as me. 

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX  XXXX  XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX This is insane!!! 20 inquiries? Where did they all come from. Something is wrong! 20 over the last two years? None of the other 2 have 20!!! And I don't even recognize some of these companies!!!
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

Hello I just turned XXXX today and I thought to myself, where do I need to be in life? So the first thing I think of is college!! Well I go to apply for a student loan and my credit report says I have had one since XX/XX/XXXX of 2011. They say I owe them a total of {$10000.00} and I swear I NEVER EVER applied for any loans especially not a student loan I never went to college. Now my credit is ruined because of the delinquent accounts. What are my options? What can I do from here? The only thing I know is it's from a company called Navient.
Consumer complaint received 2018-11-11
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

I met with Wells Fargo at their XXXX XXXX branch back in XX/XX/XXXX The objective was to close out and obtain the contents of my deceased mothers safe deposit box I was not aware that my mother had a box, but as the executor of her estate I received an unpaid bill for the box from Wells Fargo I met with the Wells Fargo manager to drill the box and obtain the contents When the box was drilled it was discovered that there was no box Wells Fargo records showed that the box was as active When we discovered the box had been emptied I asked to see the records of who was the last person to have access to the box ... .Wells Fargo had no records I asked the manager to investigate but its now been over 6 weeks and they have reported nothing to me I believe my mother kept her jewelry in the box I believe that Wells Fargo my have stolen the contents Please help me
Consumer complaint received 2019-07-15
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. (MD)

On XX/XX/19, an unauthorized charge to XXXX in the amount of {$400.00} was made on my Citi Credit Card account. I reported the charge immediately after it was discovered, closed the compromised account, and received a credit for the {$400.00} on a new account that was opened. On XX/XX/19, I received a letter from Citi stating that the credit would be reversed because the XXXX package was sent to my home address. The XXXX package was delivered to my home address however, I did not purchase the package, nor did I authorize the purchase. I did not return the package to XXXX because I was assured by Citi that I would be credited for the unauthorized purchase, and I did not want to commit fraud by being reimbursed from both Citi and XXXX. Because I was assured by Citi that the dispute would be resolved in my favor, I donated the package to a local food bank. I have not ordered anything from XXXX before or since this dispute and I have not disputed a charge before XX/XX/19. I sent a letter to Citi on XX/XX/19 explaining the situation and the various reasons why a credit card thief might send a package to the victim 's home, but I have not received a response. I simply want {$400.00} credited to my Citi Card account because I did not purchase the XXXX products and I was assured by Citi that I would not be penalized for the unauthorized charge.
Consumer complaint received 2019-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (PA)

My wife applied for a car loan from XXXX XXXX XXXX and needed a co-signer which I agreed to do. However, the dealer put this loan in my name which I did not authorize. I didn't sign anything and wasn't even present during this deal. The car they sold us was a lemon which explains why they were trying to rush this through. 

The loan, which started on XX/XX/XXXX, is through Credit Acceptance. They and the dealer have acknowledged that this is  an illegal loan and told me to return the car to the dealership which i did on XX/XX/XXXX. The dealer has since relisted the car. I contacted Credit Acceptance multiple times to get this illegal loan out of my name and they are telling me they can't until the dealer releases the loan. Why does a bank, who's financing this, need to wait dealer to terminate the loan? And if this loan is still technically in my name, how is it that XXXX XXXX XXXX has it relisted for sale?
Consumer complaint received 2019-07-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (SC)

The Company ECMC contacted me in XXXX with a debt that they indicated i owed for loans at a school i did not attend in XXXX, S.C. I indicated that they needed to stop the procedure of garnishing my wages because this was NOT my debt. They filed papers to garnish and eventually took {$2400.00} within the time frame of a job that i left because i felt i did not owe the debt and did not know how they were able to legally do this. I wrote this company twice with the 2nd in repsonse to them trying to track down another opportunity to garnish my wages ; in response, i wrote a certified letter indicating my actions that i would take, this was done on XX/XX/XXXX. I had not heard back from them until i got a notice regarding my debt with my credit score and noticed that they closed my account with them. I am not seeking legal counsel on my own to sue the company but am asking on my behalf with this complaint that the company reimburse the money that they took illegally from me.
Consumer complaint received 2018-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This company failed to provide validation of debt, I have previously reported this company and they replied saying they would close the account, they are still contacting me and they are still reporting negatively I have tried reaching out to them and letting them know to stop reporting on my account and to close it as they promised, and to also stop calling me, unfortunately they fail to do so.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (FL)

I have reached out to the company on several occassions. I have three hard inquiries on my XXXX credit report for the company Santander Consumer USA. The one from XX/XX/XXXX is ACCURATE! However the one from XXXX and XX/XX/XXXX is NOT from me. I reached out to them to get these removed but they wont work with me.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to these fraudulent investment company.
Consumer complaint received 2019-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

In XX/XX/XXXX, I got my 30-year fixed mortgage from XXXX and have always been paying on-time $ XXXX. In XX/XX/XXXX, New  Penn Financial ( currently NewRez ) bought the mortgage from XXXX. During the transition, I was informed that my mortgage remains absolutely unchanged except that payments will now go to the new servicer. Since XXXX NewRez started unfair and deceptive practices with this mortgage. In the XXXX statement the monthly payment changed from {$590.00} to {$600.00} without any reason. After contacting their customer service, they could not explain why and never fixed the wrong payment amount. Since XXXX they started sending me letters about hazard insurance that never had anything to do with my mortgage. I have never missed a payment ( auto-pay from my bank account ) and the mortgage has PMI from day one. For the past few months, NewRez continued harassing me with letters even after I contacted them. This month, they sent me letters showing they added thousands of dollars of insurance on my mortgage and showing huge deficit in my escrow balance and that I am default on my payments even though I have been paying the fixed {$590.00} per month on-time. On these letters, NewRez is threatening me to report me to the credit agencies and to take legal actions. Please see attached documents showing information on loan origin, current status and deceptive fees added by NewRez in recent months. Being a good citizen, I am requesting your urgent help against these fraudulent activities, deceptive tactics and harassment from this servicer. Your kind help will be greatly appreciated. Thanks.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (VA)

I was approved of a Citi Premier credit card on XX/XX/2021, with the bonus of XXXX Thank You Points after spending {$4000.00} within 3 months of account opening. The annual membership fee for this card, {$95.00}, was posted to my account on XX/XX/2021. It was fully paid a few days later. On XX/XX/2021, Citibank unilaterally closed this account after alleging me of " providing inaccurate information '' on a transaction dispute. I have absolutely not provided any inaccurate information to my knowledge in any of my disputes that I submitted to Citibank. Citibank conveniently charged me {$95.00} for the membership for the whole year, only to close my account less than a month after this membership fee was paid -- I basically paid {$95.00} for less than 2 months of membership for this card. This is an obviously shameless infringement of my rights as a cardholder to submit disputes to a reasonable degree. Citibank must be held accountable for this disgusting behavior to take advantage of vulnerable individual cardholders and reinstate my account immediately with an opening bonus after I complete my required spending requirements.
Consumer complaint received 2019-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

portfolio recovery is making numerous attempts to collect debt that im not sure what the charges are? this is adversely affecting my credit ... all other debts are paid and are current, not sure what portfolio recovery is trying to collect monies for, have not received any written notification of this debt. numerous phone calls to my phone while im @ work and @ home are annoying, they also tagged my phone so when im on another phone call they try to call in. this seems to be illegal that they know when im on my phone? would like to resolve this matter, so it is not affecting my credit score for  future loans and or services
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (NM)

CFPB Writeup : 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.I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 But I do not recognize these account and a lot of them are showing up 2-6 times. I did not authorize or sign anything to have my credit pulled. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Since XX/XX/2020 I have sent multiple letters, emails requesting my account be removed from home retention. 

As of XX/XX/2020 the account is still set up with home retention. I am locked out of online mortgage banking due to a prior forbearance. 

Nothing has been done for four months
Consumer complaint received 2019-07-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I dispute the accuracy of my credit report and received a letter from TransUnion stating that my information had been verified and that it would send a copy of the corrected report to the business which had received the inaccurate report. However, when I called the toll free number and provided by file number, the employee refused to send the corrected report that I had been promised. This is very irritating.
Consumer complaint received 2023-07-17
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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 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 2019-07-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (PA)

Penn credit Corp has a XXXX XXXX  utility bill with XXXX XXXX XXXX date is was opened was XX/XX/2016 I never signed a contract nor did I show an ID I did not authorize this bill to be put into my name