davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NC)

Subject : Opened two accounts ( One checking and One Saving without my knowledge ). 
On date XX/XX/2021 - I received welcome email from Wells Fargo regarding two accounts opened on my name. I called them immediately and reported fraud. They have done investigation and informed me that it was fraud as someone opened account online behalf of me. Personally I figured out that there was no inquiry to credit bureau and there was no any inquiry on my credit check. I called multiple times bank and requested information but they didn't provide satisfactory information and closed the case. After receiving letter that case has been closed, I called them and they said, it was online fraud and you are protected. I would like to know details regarding case because I am doubt that these both accounts opened by Wells Fargo only without my knowledge. Below are the details may required : Wells Fargo - ( Fraud Case no : XXXX ). 
Two accounts opened below - ( 1 ) XXXX XXXX  account - XXXX ( 2 ) XXXX account - XXXX
Consumer complaint received 2022-01-17
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)

I have XXXX accounts on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below are the accounts : XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account # : XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXX XX/XX/XXXX Account # : XXXX XXXX XXXX XXXXXX/XX/XXXX Account # : XXXX XXXX XXXX  XX/XX/XXXX Account # : XXXX
Consumer complaint received 2021-12-02
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion XXXX XXXX the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-02
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. (TN)

I had numerous inaccurate names and addresses on my Experian credit report. I had 2 collection reports on my profile from the same company XXXX XXXX XXXX ( XXXX ). 
XXXX XXXX XXXX  and XXXX XXXX XXXX never sent me validation of debt under Fair Debt Collection Practices Act. XXXX XXXX XXXX did a hard inquiry without my permission.
Consumer complaint received 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

ATTENTION TO XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX ) in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequoia Financial Services (CA)

Hello! This has to do when the pandemic started and I had to move out of my apartment in 2020. There was a utility bill that I never received. I'm not sure if it was a result of the confusion that went on with the start of the pandemic and maybe it got lost somewhere. I thought I had paid the balances left for my apartment complex told me I was good to go. I just was unaware of it and if I was properly notified I would have done my best to resolve the payment.
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

XXXX placed an account in collections and used multiple Collection agencies in the attempt to collect via email/mail/phone/ credit file reporting all through XXXX, all without verifying the debt, I have disputed it multiple time always asking for the Original signed document as is my right, they were never produced nor was i asked to view them,, XX/XX/XXXX they still did not comply with originals instead sent copies with copy/pasted signature/altered documents and uttered a complete forgery all in order to validate a non existent obligation and extort monies not owed and the CRA 's are guilty of no adhering to FCRA by verifying the debt and only reporting 100 % accurate information * I HAVE NEVER AGREED OR ACKNOWLEDGED THIS DEBT
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I recently viewed my credit report and found out that there is an alleged debt that has been placed on my credit report i have no knowledge of this debt is fraudulent i have attached an FTC report please remove this account from my consumer reports with the credit reporting agencies
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is crucial to highlight that I have no affiliation with the specified creditors and did not approve this inquiry. Please take swift measures to eliminate it from my credit report. Thank you for promptly addressing this matter.
Consumer complaint received 2018-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (PA)

This complaint is with discover. I opened the card but most of the charges on it were not made by me. They were made by my sister. I used about XXXX. The rest was not authorized by me. The woman on this case called me about it and this is exactly what I told her. It should not be at XXXX and I should not have a judgment. I didn't have legal council and their attorney practically fed me what to say. XXXX never even showed up. Also I did my block dis cover from my credit reports they have been frozen because of proven fraud starting in XX/XX/XXXX she filed taxes using my social address birth date etc. The irs proved it fraud then 2 breaches 1 in early XX/XX/XXXX fraud alert and freeze. And again in XX/XX/XXXX from the XXXX  breech. So they are all frozen until XX/XX/XXXX. Over 82 inquirie s were made to get bank accounts cellphone service tv providers and credit some went through some didn't. I have the police reports naming her the person mainly doing this to me for years. She definitely did it on my discover card. Just 2 years before the taxes I opened it. She has a lot of unmediated mental problems.
Consumer complaint received 2021-03-02
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. (IL)

Filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the bureaus and still have yet to receive any response. 

Initial dispute XX/XX/2021 30 day demand XX/XX/2021
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a consumer and I feel that my federally protected consumer rights have been violated. This company told me they do not operate under the fair credit reporting act. And They dont have to follow by what Congress put in the guidelines under 1681.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I disputed some trade lines on my experian report.The report number is XXXXExperian sent the results to my old address ( XXXX XXXX XXXX XXXX XXXX XXXX Mi.,XXXX ) .I moved away from that address over a year ago.My new address is XXXX XXXX XXXX, XXXX MI.XXXX.This new address is on my experian report.I dont know why Experian sent my private information to my old address.Luckily,  The people at my old address contacted me.I have disputed other items in the past on XX/XX/2020 report number XXXX, and the results was mailed to my current address XXXX XXXX XXXX, XXXX MI.XXXX.Therefore, My current address is XXXX XXXX XXXX, XXXX MI. XXXX.All experian results SHALL be sent to my current address
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

this unknown account needs to be removed from my credit report because it is causing me and my family a lot of stress. thank you XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/XXXX Balance {$6100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$6100.00}
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/XXXX I wrote a letter to Transunion asking for my personal information to be updated. I enclosed a copy of my ID and a resent utility bill. All with my name and address. On XX/XX/XXXX, I received a letter saying " This is not you, you need to send us proof, your ss card and ID. If you are a credit repairing agency, you have to have the person update thier own information ''. On XX/XX/XXXX, I sent them the same information, ID, utility bill, and ss card, as they requested. I should not have to repeat this same situation. Yet again I have had no update and they are still reporting multiple names that are incorrect, multiple addresses that are incorrect and Jobs I don't even know. This information is leaving me venerable to identity theft.
Consumer complaint received 2022-05-02
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM 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 Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-02
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. (FL)

This is XXXX XXXX who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( XXXX  XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX )
Consumer complaint received 2018-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Sent numerous letters request that the erroneous information be taken off of my credit profile and that a new credit score be obtain as it has increased tremendously but they have refused all of my demands. They still post accounts that have been paid off as delinquent and caused me financial harm by not showing my increased credit score which resulted in a job loss..
Consumer complaint received 2023-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (TX)

In XXXX of 2022 I had a BPO done on the property for PMI removal. The evaluation came {$140000.00} lower than 3 offers I received on the property to be purchased just few months prior. The CMA on the house is {$500000.00}, Caliber itself send emails each month estimating the value to be at around {$500000.00} and the Evaluation came at {$360000.00}. Upon receiving the evaluation I called Caliber to request an appeal. I was told by a rude representative that that is not an option to me and there is nothing I can do to change it. 
After several more calls to Caliber, my case finny made it to the Service Manager, who called me on XX/XX/2022 and stated that she had listen tonal the phone calls I made to Caliber and I was wrongly told that I could not appeal the BPO, and I requested it within the time frame that allowed for the appeal, and because of this reason Caliber will order another BPO at their expense. On XX/XX/XXXX I met at the property with the new BPO to inspect the property. 2 month later, on my XXXX call to the bank to request the Evaluation, I was told that it was not completed because the Broker was not able to reach me and schedule the inspection. Again, I was in the house with the Broker who took pictures, on XX/XX/XXXX. 
I tried to talk with a supervisor, with a manager, they keep on taking messaged and no one is calling back. Meanwhile I am paying {$100.00} each month for the PMI. 
XX/XX/XXXX I received a call from another Broker trying to schedule a time for looking at the property. Caliber did not notify me they ordered another BPO. On XX/XX/XXXX he came to the house. I do not have any trust left in Caliber anymore. I am worried they are trying to get a low value on the BPO to not drop the the PMI. 
XX/XX/XXXX I show a letter saying The AVM ( Automated Valuation Model ) did not meet the LTV requirement. 
I feel hopeless. My LTV is about 60 % and its been a fighting to have Caliber drops the PMI. Please help.
Consumer complaint received 2022-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

related to XXXX They totally deleted me. supposdely because I did not tell them using my card in XXXX, a lie, when we set up account to was because we were oving to XXXX Spent XXXX hours on phone trying to get mr back to world of living., tried to sign in, NO GO, spent XXXX minutes on phone trying to get into account, finally goy back in. BUT... I know have XXXX WT unauthorized fro my account. Supposedly XXXX was a test to get me back to being alive, but now XXXX WT to a XXXX, that I never asked for, spent XXXX minutes on hold and then disconected cause they were too busy to be concerned about my little XXXX out of my account. Not fair, I am a person, I count, my little $ $ count to me. This is FRAUD!!!!!! I need help and I need somwone that is willing to stand up for me. I know you will always take their side, but who stands up for me, the little person who does not count??? Can't someone help me? Please, all I want is MY MONEY that I worked so hard for!!
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

Chase includes purchase protection through card benefit services. I filed a claim a full month ago and every time I call I am told the claim will be completed within 5 business days. It's clear now that the benefits I pay for with Chase are not being provided. Chase has refused a refund of their fee for these benefits and refused to provide any support to resolve the pending claim. 

Doing a quick XXXX search reveals that this is a common occurrence with Chase and their XXXX XXXX XXXX. 

The Chase representatives simply hang up on you and continue to state there is nothing they can do to help. 

Effectively, Chase is collecting fees and not rendering the services promised. I believe this to be a form of fraud and would like a formal investigation conducted into this practice.
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

Contacted Credit Reporting Agencies to remove the fraud alert and/or security freeze placed on my report several years ago. I contacted XXXX and spoke with a representative that stated that request to remove was done ; contacted XXXX and spoke with a representative that stated the request to remove was done ; contacted Experian ( no representative available, only automated system ). I tried to use the prompts but when the call ended the Experian system stated that a fraud alert would " placed '' on my report and that they would notify the other two ( 2 ) reporting agencies. I need that the security alert and/or fraud alert be " removed ''.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (MI)

XXXX, FactorTrust, & XXXX continues to report information on me even when I specifically asked them not too. You are a reseller of consumer data information. The problem is you do not have authority or permission. I demand you remove any misspellings of my name or address that is incorrect. My name is XXXX XXXX and my address is XXXX XXXX  XXXX XXXX XXXX, MI XXXX remove any other information that is not mine.
Consumer complaint received 2020-12-12
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: Experian Information Solutions Inc. (TX)

My Experian Credit Report has many Credit Items, Credit Accounts, Credit Inquiries, and Personal information that does not pertain to me. I can't get a person at Experian to help clear this up.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XXXX I settled this debt with the attorney Portfolio recovery sent the debt too. Now my account is showing that I still owe over {$300.00}. 

I filed a dispute with XXXX, Portfolio claims the debt is valid. 

I filed a dispute with Portfolio over a week ago and haven't received a response.