davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent an FTC Identity Theft Report Dispute to XXXX, XXXX & TransUnion requesting them to PHYSICALLY VERIFY & provide the " METHODS OF VERIFICATION '' for the disputed accounts via certified mail ( copy of letter & FTC ID Theft Report attached ) they were received by XXXX, XXXX & TransUnion on XX/XX/2021 & XX/XX/2021 respectively ( copies of Proof of Service attached ). As of today XX/XX/2021, I have received neither PROOF OF VERIFICATION, nor any METHODS OF VERIFICATION. These are violations of my rights under FCRA Section 611.
Consumer complaint received 2021-07-14
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: Nelnet, Inc. (NY)

the following accounts appear on my credit report, they do not belong to me and are hurting me Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/NELN Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine.
Consumer complaint received 2020-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THERE ARE SEVERAL INQUIRIES SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PERSUANT TO FCRA 604 IM DEMANDING THE REMOVAL OF IT. 

THE DATES SHOWING OF THESE ALLEGED INQUIRIES ARE : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-14
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: CULLEN/FROST BANKERS, INC. (TX)

I have tried to dispute 3 accounts on my credit report for fraudulent activity and my dispute has been denied even though I have submitted a police report to the during the dispute stating that my credit cards were stolen and charged before I could cancel them. It is for XXXX XXXX and frost bank. The third one was for a loan taken out in my name that was also fraudulent.
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After recently reviewing our credit reports from Transunion, XXXX and XXXX, we were shocked to see a firm called XXXX stating that we were delinquent. We never heard of XXXX. According to Transunion there is payment history from XXXX, but was never provided. Disputes have been submitted to remove XXXX from our credit reports, but Transunion is the only credit reporting agency that hasnt removed it. Please help us keep XXXX and Transunion from attempting to cause us financial/employment harm by violating our consumer rights. Please urge them to cease and desist all false reporting! Your assistance on this matter will be appreciated.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XXXX, 2021 I have been submitting letters to the credit bureau, because I have some information that is on my credit file that is not correct. I have sent in information to them telling them. I have proof that these accounts that is reporting negative is not correct.
Consumer complaint received 2021-07-14
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: WAKEFIELD & ASSOCIATES, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ASST ( Original Creditor : 08 XXXX BANK XXXX XXXX ) XXXX ... WAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-08-14
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. (MI)

Somebody is using my name an information. I have 4-5 inquiries on my credit that I did not approve. All of XXXX inquiries was not me along with any inquiries from XXXX. Totaling about 2500 in debt. I need to speak with someone ASAP. I can be reached via email @ XXXX or through phone XXXX
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

I purchased my home in XXXX with a mortgage ( Loan # XXXX ). Wells Fargo Home Mortgage services my mortgage but they explained the lender is a private lender. Wells Fargo will not disclose to me who owns my mortgage. I have inquired many times who my actual lender is with the most recent inquiry being on XX/XX/XXXX. 

I have not missed a single mortgage payment in over a decade since my mortgage was refinaced with the HAMP program in XXXX or XXXX. However, I have occasionally struggled to pay my mortgage on time before the XXXX of each month thereby incurring exorbitant late fees imposed by Wells Fargo. They will not allow me to pay just my mortgage on their website without first paying the accrued late fees. In order to pay just my mortgage every month without the accrued late fees I must therefore mail in a check which because of USPS delays often arrives after the XXXX of the month, incurring even more late fees. The late fees now total more than {$4000.00} which is causing a hardship on my family which has been hit hard by the Covid-19 pandemic.
Consumer complaint received 2018-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I call last month and send letters with update address and ask them too remove address that didn't belong too me. They only update and didn't remove all just some and some address was not mine. I ask too update and remove old phone numbers as well still only updated without any removal. All three bureaus
Consumer complaint received 2018-07-27
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: TD BANK US HOLDING COMPANY (TN)

i was a victim of identity theft and notified XXXX XXXX and XXXX. i also attached my police report and identity theft affidavit. XXXX and XXXX removed the fraudulent account but XXXX  still haven't removed the accounts.
Consumer complaint received 2023-02-01
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. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Consumer complaint received 2021-12-02
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. (GA)

I have sent several notices over the past year or two to the XXXX main credit bureaus ( EXPERIAN, XXXX, AND XXXX ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. 

First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. 

There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. 

They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. 
Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. 
This is a violation and is fraudulent. 

The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. 
As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. 

I want these issues looked into and handled immediately.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (PA)

I tried several times reaching out to direct express about this fraudulent transactions XX/XX/2020 XXXX XXXX XXXX, XXXX, PA ATM CASH WITHDRAWAL {$700.00} XXXX XXXX, CA CASH PURCHASE {$780.00} still have not received any funds back from any provisional credit this results in my bills being paid rent is due i need my money now
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am, XXXX XXXX submitting this complaint against TransUnion and there is no third party involved. 

In accordance with the Fair Credit Reporting Act ( FCRA ) TransUnion has violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions.

WHICH I GAVE TRANSUNION NOT WRITTEN CONSENT!!!!!!!!!
Consumer complaint received 2021-11-28
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. (IL)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and I have the right to privacy : XXXX XXXX
Consumer complaint received 2018-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Initiated dispute with Trans Union XX/XX/XXXX and have continuously disputed with the most recent dispute of the same tradeline occurring XX/XX/XXXX - nearly a year. The account in question is reported as derogatory by TU for an auto lease that was paid in full ( early ), never late, never derogatory. I requested and received two documents from XXXX XXXX stating this truth and sent via certified mail to TU included with the dispute. TU continues to ignore the facts and state in results of their investigation that this account was verified as accurate. In addition to certified mail disputes, I have called TU several times, and filed the dispute online several times. 

The account in question was closed satisfactorily XX/XX/XXXX. Given that ( 1 ) this account was never derogatory with documented evidence provided from XXXX XXXX, and ( 2 ) even if derogatory is well beyond the 7 year maximum limit for reporting a derogatory condition for an account. TU has violated my consumer rights afforded me by the FCRA.
Consumer complaint received 2017-12-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Blackhawk Network Holdings Inc. (WI)

Purchased a XXXX pack with {$500.00} loaded onto it. Tried to add it, online, to my XXXX  safe. At login, site says my account is blocked. Called customer service. I followed the steps recommended. Waited twelve hours. tried again. Called customer service again. Told me there were no problems with my account. I could escalate and wait for a response in 3-5 days. Asked for my money back. Gave me a case number but would n't send email confirmation. Said refund would take 30 business days! Spoke with XXXX on XX/XX/XXXX at XXXX XXXX cst.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2020-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX I sent box by airmail fastest way to USA. 
The post office agent assured me two weeks delivery maximum as it was a birthday gift. Expected to arrive XX/XX/XXXX latest It is XX/XX/XXXX and package has not arrived to my niece in USA. 
Therefore, I will not pay XXXX $ for SERVICES NOT RENDERED, so I am disputing the charge I have all documentation and receipt Since XXXX XXXX has no address or email stated in their website I can not contact merchant form USA
Consumer complaint received 2023-03-29
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. (WA)

Account name : XXXX XXXX Account number : XXXX Account type : Credit card Date opened XX/XX/XXXX Status : Closed. {$50.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX Balance : {$470.00} Balance updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I the consumer have been violated and had incorrect and inaccurate information listed on my consumer reports. I never gave any credit agency written consent or permission to report this information. I have tried to resolve this issue with each agency and each has complied and resolved the issue except for EXPERIAN. On XX/XX/XXXX I called in to EXPERIAN and spoke with XXXX agent id XXXX about the issue. I told the agent that there was a late payment listed on my consumer file from XXXX  XXXX for XX/XX/XXXX and that information was inaccurate and needed to be updated. I told him that I already contacted XXXX XXXX and the other major credit reporting agencies and the information had been updated. I told him that this information was incorrect, and it was not bringing any equity or value to me the consumer and I never gave EXPERIAN any written consent to report this information and this was violation of my right to privacy and it was directly impairing me and was harming my reputation and character. I told him to correct the information immediately. He told me that he would file a dispute but he could not change the information because he didn't have a reason. I told him that I had already settled this inaccuracy with XXXX  XXXX and the other credit agencies it needed to be updated with EXPERIAN and the reason is that it's inaccurate and I the consumer have given them instructions to do so. He then stated that he'll escalate the issue but there was nothing he could do. I told him that this was a direct violation of federal law and they are being partial, unfair and I the consumer have the right to privacy 15 USC 1681 ( a ) ( 4 ). I told him that this was damaging me in many ways as to how I am able to use my credit because of this inaccurate information that they never had my consent to have or share. This was a direct violation of 15 USC 1681b ( a ) ( 2 ). I am demanding that EXPERIAN update the information on my consumer file and my consumer reports. If this information is not updated immediately I will continue forward with litigation.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (NC)

When I sent the 1st letter they replied and told me that all information is accurate totally disregarding the information I requested. I sent a second letter to the response and they again sent me the same letter back the 2nd time around. So now I am looking for help because I am getting no luck and this is affecting my credit worthiness.
Consumer complaint received 2023-03-29
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc. (OH)

I used their website to pay my bill. It automatically inserted the minimum payment but I needed to pay a few dollars more to bring it back under my limit. I entered the new amount and finished the transaction. When I checked my email a couple hours later there were XXXX transactions, the one I authorized for {$30.00} and the minimum payment of {$25.00} which I did not. I processed the payment at XXXX. When I called at XXXX I was constantly put on hold by the representative who was actually laughing at me. I was never transferred to a supervisor. I was told that because it was after XXXX central time it couldn't be stopped. I am in eastern time. My whole issue is that I didn't authorize XXXX payments. I was told once the XXXX payment posted and bounced on my checking account to call back. I did not authorize XXXX payments. It is unreasonable that they wouldn't correct their program mistake. Most credit cards have a way to stop a pending payment before the end of business that day. Laughing at me makes me wonder how many scam payments they collect.
Consumer complaint received 2021-07-14
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX ... XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.