davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX  XXXX  XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX  XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX made an agreement through their legal representation to discharge a loan in XX/XX/2018. It was filed in a court of law. Since then, the report on my credit has been reported as a delinquent charge off which I have attempted to dispute and correct with XXXX XXXX and the credit reporting agencies. It was previously updated correctly and recently began reporting again as a Chargeoff that is derogatory. This is unacceptable.
Consumer complaint received 2018-07-21
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. (CA)

There are inquiries on my credit report that I have not done it shows at a XXXX auto loan was filed in bankruptcy which was not it is in good standing has been closed paid in full I also have a credit card on there that I am disputing charges Recently that shows closed but is not. Also it shows with multiple accounts potential negative but file for bankruptcy in XX/XX/2016 and those accounts of been charged off with Experian is the only credit bureau that shows negative marks. It is hard for me to rebuild my credit and try to get loan for school or a credit card. The only account that I have is a auto loan for a XXXX which is in very good standing a credit card which Im disputing charges a cell phone and car insurance. Bankruptcy is a positive and negative with your credit and I feel that showing these negative marks due to my bankruptcy from 2016 is causing me not to be able to rebuild my credit and I feel with not having any debt I should be able to get a credit card or loan with a high interest rate to help me rebuild my credit and it is not applicable because of the report. I feel it should be fixed and not show negative. XXXX I feel is the best report for companies to use and my score should be higher, And probably would be if I did not have those marks or inquiries on my credit. I iust want good credit again.
Consumer complaint received 2018-07-21
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: ACCESS GROUP INC. (CA)

This loan was incurred while I was student at the now defunct XXXX XXXX XXXX located at XXXX, CA. As you are aware the school has been closed due to fraudulent action by the said school and lost its accreditation.My diploma that I received is now worthless and could not even be transferred to another school since they are not being honored. My issue that I need to be resolved is why are they still collecting payment of the loan despite the fact that the school has been closed and shut down by the government and the diploma that I received is worthless and of no value. I could not even use it to apply for a job since employer knows that the school is no longer in existence.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX incorrectly reported to TransUnion that I missed a payment. XXXX  XXXX XXXX transitioned my loan servicing to XXXX XXXX XXXX as of XXXX. I am submitting via the attached documents proof that I have not missed a payment. I want this information to be corrected on my TransUnion credit report ASAP. I would also ask that XXXX make sure they submit this corrected information to the other 2 credit reporting agencies to avail me from having to submit further complaints about this issue to the CFPB.
Consumer complaint received 2020-11-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I have recently reviewed my Chexsystems Report and was shocked to see that the reasons I am unable to open a personal and business account are because of a fraudulent account opened under my personal and private information. There is an Unpaid Balance of {$590.00} reported by XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX on XX/XX/2018, there is an Inquiry listed by this company as well reported on date XX/XX/2018 I DID NOT give this company permission to review my reports. The reported address for this account is XXXX XXXX XXXX XXXX, PA XXXX. I have NEVER gone into any business with this company, and I have NEVER lived at the reported address XXXX XXXX XXXX XXXX, PA XXXX. This account was fraudulently opened using my personal information, and an incorrect address that I have never resided or had any relations to. I have tried numerous times to have Chexsystem and XXXX XXXX  remove this Fraudentlent account from my consumer reports, and each time both company 's responses are, that they verified the account as accurate. This account is not accurate, this account was opened under an address I have never resided. I am requesting that Chexsystem Immediately remove this Fraudulent account from my report, I am also requesting that XXXX XXXX  remove this charge off amount and my personal data and information from their records.
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Integrated Asset Recovery LLC (GA)

The credit bureaus XXXX, XXXX, XXXX has been defaming my character and reporting false consumer credit transactions without my consent.I am a victim of identity theft and i request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting agency and fair credit reporting act i need these actions taken care of immediately
Consumer complaint received 2021-09-22
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. (SC)

I sent letters to credit bureaus starting in XX/XX/2021. I have some incorrect information on my credit file, and that negative information is causing a bad impact on my credit file. According to the Metro 2 system everything that is reporting on your account should be a 100 % accurate. The bureaus have copy of the letters that I have sent in.I need those investigated properly. I want to see the original documents supporting their claim.
Consumer complaint received 2018-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo sent me a new credit card to replace an expiring one in XXXX, and I never recieved it. I let them know. Since I dont use this card very ofton it slipped my mind. In XXXX I got a letter from them stating they had tried calling me and could not reach me so they closed my account as Fraud. I called them and spoke to several different people escalated all the way up to the Fraud Department, who would not reopen my account. This caused damage to my credit report as it was one of my oldest accounts, as well as decreased my available credit, thus increasing my utilization. I feel they could have reopened my account.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX  accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, Account XXXX Account Name : XXXX, Account XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under XXXX15 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 XXXX 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 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (CA)

I settled with my old credit card company The XXXX XXXX XXXX  years ago. ever since they have sold off the balance to various collection agencies to try and collect the balance. I have had the collection removed from my credit report in the past and now have opened the dispute with all three again. they have sold the account to National Credit Adjusters fraudulently.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 12. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 13. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WV)

I was charged interest of {$20.00} on my Chase credit card for the XXXX bill that was due on XX/XX/14 total due was {$1900.00}. I paid {$1900.00} and and redeemed {$26.00} for the total payment {$1900.00}. This was paid on XX/XX/14 At XXXX XXXX. I was short by XXXX cents. That was a mistake on my behalf. 
I'm being charged interest of {$36.00} on XXXX billing due on XX/XX/14. I emailed them about it and was told to accept it. Was told my payment was late. It was not.
Consumer complaint received 2021-08-18
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. (NC)

Today I've recieved information from the Credit Bureau that my Chapter US BKPT CT NC XXXX Public Record REF # XXXX .... 

Remains The company that reported the information has certified to XXXX and TransUnion that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

However, when I contacted the company they had reported that they could not find the item on my report was inaccurate and deleted from their records. XXXX and TransUnion has yet to delete this from my report. The company does not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for your reference. It is quite clear that someone from XXXX  and TransUnion lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ).

As you know, it is also a violation of the FCRA to report this type of erroneous information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following bankruptcy from my credit report :
Consumer complaint received 2020-12-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NY)

In XXXX, I bought a property. Due to financial hardships and lack of support and guidance, I could not pay the mortgage that I secured. I tried many options to try to attempt negotiations with the mortgagor to no avail. The company filed for bankrupcy. I hired an attorney to halt the foreclosure. In XX/XX/XXXX, I met someone who said that he would negotiate with the bank on my behalf. He made us sign over the deed to him for {$10000.00} each in good faith until he negotiates with the bank. He made us sign a slew of papers transfering the deed to him in order for him to negotiate on our behalf. He never made such negotiations. He instead kept the deed, registered the property and filed for bankruptcy. He registered the deed of the property under an LLC and then filed bankruptcy. The deed is in his name while the mortgage remained on my name. I never sold him the property. He specifically told me that he would be negotiating with the bank on my behalf. I need help in investigating who willfully stole the deed, filed for bankruptcy and left me with a hefty {$720000.00} mortgage while he retains the deed. I have tried many options. It is an abyss. I can not afford the mortgage.Jacquelin travels in and out of the country and is very difficult for him to send the slew of documents they ask. I don't think he wants to keep the property either. These fraudsters have a team of well connected lawyers who negotiate on their behalf.
Consumer complaint received 2020-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: KEYCORP (OH)

During peak Covid in XX/XX/2020I was trapped out of the country ( XX/XX/2020 to XX/XX/2020 ) in the XXXX XXXX and received a phone call about a payment. I explained my situation being out of country and not able to return and I needed assistance with very minimum income coming in. They replied saying that i could have 90 days to make a payment in which they asked if i would accept this but would still be charged interest. I accepted. Once i made my way back to the USA, i received a notice from my credit reporting company that i had been flagged for a late payment for XX/XX/2020.
Consumer complaint received 2022-08-12
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. (NY)

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (MD)

I submitted a claim with CFPB ( case # XXXX ) a few weeks back. 
Wells Fargo has attempted to close out this claim and I am not satisfied with their response. 
I officially retired on XX/XX/XXXX from XXXX XXXX XXXX. 
WF indicates the XXXX XXXX XXXX took over XX/XX/XXXX which was almost a year after my retirement date! 
WF closed out my 401 k and transferred my monies to XXXX. Not XXXX XXXX. 
WF deducted over XXXX from my funds for transfer. 

I do not think their response for me to reach out to XXXX XXXX is appropriate. 

Thank you