davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
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. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. PLEASE DELETE THE FOLLOWING ITEMS ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been disputing this error on my credit report for the past 4 months and nothing has changed. I am now being violated as a consumer and these bureaus are causing me mental anguish by reporting inaccurate late payments on my credit report. I have never made any late payments on any of my accounts yet these bureaus are still being stubborn by reporting the 1 late payment on XXXX  of my student loan accounts. This will be my final attempt to rectify this situation as it is highly affecting my credit score from what it should be reflecting as currently. EXPERIAN IS ALSO WELL OVER 30 DAYS OF RESPONDING TO MY LETTER THEREFORE THE SIMPLE ITEM I AM REQUESTING TO BE UPDATED NOW MUST BE UPDATED BY LAW.
Consumer complaint received 2021-03-24
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)

I am a victim of identity theft and I disputed the fraudulent information with the credit agencies. I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services described in this report. The credit agencies, refused to remove the fraudulent items after submitting ; FTC report, Police report, credit report, proof of ID and credit report with fraudulent items circled. 


Listed Fraudulent Items below : Account : Account Number : 1. XXXX XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX 4. XXXX / XXXX  XXXX 5. XXXX XXXX DEALER XXXX Wrong Addresses : 1. XXXX XXXX XXXX, XXXX CA XXXX 2. XXXX XXXX XXXX XXXX, XXXX CA XXXX
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I opened an account with XXXX XXXX on XX/XX/XXXX. I deposited the amount required and then deposited more money. On XX/XX/XXXX it seems a letter was sent to me telling me that I have closed my account without any reason provided. 

I called customer service and spoke to a " supervisor '' named XXXX XXXX who told me that they " did not have to provide a reason '' and could close my " account at anytime without notice or reason. '' This bank should be shut down. 

They are a public bank and provided you have not breached a term of the agreement for opening an account, they should not have the option to randomly close your account to avoid paying you the bonus that they promised.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I was called by a number that came back to Wells Fargo that I had had an unauthorized use of my account ( debit ) at an ATM. The person knew my phone number, bank account number and debit PIN. She told me that she would put a stop on my account and XXXX  me a new card. She sent me a code like they always do to verify my identity on my phone. I hung up the phone thinking that things were taken care of. On XX/XX/XXXX, another fraudulent charge was placed on my debit card. I called back the number which went to a Wells Fargo sounding answering machine and was transferred to what I thought was a representative. The person was a male and stated that he apologized, that they had sent a XXXX with my new card and that he had closed my old card and that the XXXX had been sent back because I wasnt home to sign for it. He sent me a one time ATM code while I was on the call to verify my identity. Not suspecting anything, I read him back the code and he reassured me that things were taken care of. Once again, on XX/XX/XXXX ANOTHER charge went through on my card. I this time XXXX the number for Wells Fargo ( which was VERY close to the number I had been previously called from ) and called. The Wells Fargo representative had no clue what I was talking about and said that no fraud had been previously reported. Thats when I realized that the previous number that I had been called from and the people that I had spoken to was all a scam. They had stolen {$6000.00} dollars from me! 

I am a front line XXXX worker working night shifts and during the day doing home school with my two elementary school children to protect both them AND the community from COVID, as I have very heavy COVID exposure at work. I called Wells Fargo who filed a claim, asked me three yes/no answers which I answered honestly and then denied my claim saying that there was only authorized use of my debit card. I explained to them that at no point had I authorized ANYONE to use my card but they still denied my claim, stating maybe the court system can help you. I have filed police reports and called and called Wells Fargo to help me, but they are cold, heartless and lack any empathy for their customers who are the victims of fraud. Because these people have stolen my money and Wells Fargo wont even consider the case AFTER fraud and unauthorized use of my card is proven. I think that this represents a lack of accountability on behalf of Wells Fargos part and poor customer service bordering on fraud on behalf of that Institution. 

I have had trouble paying my bills after this has occurred, a situation that Wells Fargo has benefitted from financially. I think that this case represents a lapse in the fiduciary relationship held between the bank and the customer and puts the customer at increased financial risk that the banking institution will not absorb.
Consumer complaint received 2021-10-06
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their 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 inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2015-11-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (GA)

I bank with chase, checking account since 2010. About 3 months ago I was charge a NSF for a transaction I made a few hours Pryor to my direct deposit posting, which they post the same day. The CSR explained that he was unable to credit me back the NSF charge. So, I advise the CSR to take off that option for overdraft protection. He stated that he will remove and said that if funds are not available any charges I 'd make will be declined. I agreed to that. Well here I am 3 months later ... .made some transactions and went to check my account on payday I was charged XXXX NSF of XXXX each ... .My mouth dropped. I called chase bank and explained that I spoke with a rep 3 months ago to have over draft taken off. The CSR stated that It was n't off and she can not credit my money back. She said she will forward the information to her manger and they will review the call and give me a call back. Well its been 2 weeks, still waiting on the call and my money. What are my other options?
Consumer complaint received 2021-03-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I called Experian about an account dispute. Today i received a message from Experian stating an account dispute had been opened. I logged into my account to review this information because i did not dispute any account this day. Experian would not tell me where this account originated from. All they could tell me was it was Medical. I dont owe any because any Medical treatment i ever recd is approved by my insurer to be paid in full. I had previously disputed this account several months ago and Experian removed the account since they did not verify the account within 30 days. Now this same account was able to open a dispute then put the account back on my credit report for this absurd amount. Experian could not tell me information how this investigation was done despite the email stating i could request investigation information ( see attached ). Heck they couldn't tell me anything. Please help me because this is wrong. Im sick of these scams taken advantage of people. 
Amount is {$1900.00}. 
Company is XXXX This amount is Nowhere to be found in any past billing for any facility! 
It's pretty sad that Experian, the credit keeper just allows this activity without proof. They said the collection co sent an affidavit and that was good enough for them. i asked Experian to please forward that to me and they told me No they didn't have to. 
This is pathetic how we are treated. 
And i just want to add how unreasonable and abusive Experian was to me on the phone. " I was told, " You can call us so why don't you call them '' really Experian! Why on earth would i call a scammer who just wants to scam me more. Her name was XXXX and the man i spoke with prior was worse. He basically told me to be quiet and let him finish talking. Uhm, if i need to interject regarding my personal credit report i will. He would not allow me to speak with a manager when i asked for management. Just unbelievable all around.
Consumer complaint received 2021-03-24
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 feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a compliant with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 50 days so they should be deleted promptly
Consumer complaint received 2019-11-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Equifax was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxxxxxx XXXX. I have never done business with XXXX Card Services resulting in redacted account number xxxxxxxxxxxx XXXX. I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxxxxxx XXXX  of which I have not received to compare to my records. 

Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.
Consumer complaint received 2018-02-11
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. (PA)

Stolen identity credit card open in my name on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Attached is a copy of police report
Consumer complaint received 2018-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

I had 9 accounts that were negative and became late in early to XX/XX/2011. As they became 7 years old for the first delinquency, they began to be removed from my file. Now I have 3 that are now over 7 years old but they continue to keep them on my file. 
One agency debates that 7 years from the first delinquency is even the standard event though they normally do so as policy internally. These agencies do not even report the credit detail for 7 years but cut off a few months before 7 years. It appears they do not take seriously that people like me are patiently waiting to get our credit scores up and just don't care. I have reports that  XXXX sent to me showing accounts delinquent in the history, and then 2 months later, when I update the report, those details are removed and they only reports 6 years and 10 months of history. It is as if they intentionally want to keep the file on the report. Equifax has a line on their front page summary of the report with a line stating " date of first delinquency '', however, they rarely have an entry in that line. All 3 agencies, XXXX, Equifax and XXXX, focus on negative information but not on insuring that they remove the accounts as prescribed by the Fair Credit Reporting Act. They have no accountability and I personally have been waiting 7 years to refinance my home, and now am having to try to get them to report accurately. They can have very detrimental affect on people and just don't care. I have even had documents with detailed annual payment info from a mortgage company who clearly said it should not be reported at this date, yet the dispute comes back saying it is reported accurately. I hope you can get this corrected. In my opinion, if the " date of first delinquency line '' is not filed, the reporting is inaccurate and should be removed. I am paying much higher interest rates than I should be due to bad reporting from the agencies. I am sure I am not the only person dealing with this but most people don't know how to appeal or even who to appeal to. 
We all thank you if you can affect change.
Consumer complaint received 2023-01-26
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. (NY)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED A FEW INACCURATE ITEMS ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE NOTICED A FEW INACCURATE ITEMS ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-06-10
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: SYNCHRONY FINANCIAL (OH)

I'm.going thru hardship on my bills. My mom passed away few months ago. Was her caregiver good son. Im.hoping too get this months payment waived. I've always been on time. Just need a break. Going thru alot. Not easy
Consumer complaint received 2019-05-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (FL)

Bill came dated XX/XX/XXXX. Claim is from XX/XX/XXXX for {$580.00} XXXX XXXX XXXX. 
I moved XX/XX/XXXX. To the best of my knowledge I was up to date on my utility bill with XXXX. 
Penn Credit from XXXX Pa is trying to collect this debt. This creditor has not appeared on my credit report over the last 4 years.
Consumer complaint received 2021-02-09
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. (GA)

On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

This is an issue XXXX was going to handle a long time ago. I was recently looking at my XXXX XXXX   and noticed it is saying XXXX XXXX XXXX I applied or signed for some type of thing with there bank or credit card. I had called them XX/XX/XXXX and this was all told me it would be solved. I had no idea this was still on my report. 

I did not do this. This was fraud and not authorized by me. I was informed this would be off my credit file but for some reason it is still showing up on my XXXX and equifax and other credit reports. I had just called them to try to understand and they have no knowledge or any card or inquiry from there customer service team. I called them XX/XX/XXXX was the recent call. I asked them to put on the notes and if they could remove them. I was getting run around answers. 

I do not have an account with them. I did not have an account with them. I did not apply for any account with them. I am hoping someone here can help resolve the situation and fix this so my credit report is correct.
Consumer complaint received 2018-02-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Im having some difficulty with Equifax as they are the only company reporting these adverse information that I will list below, one they take very long in replying to disputes, and the outcomes as been Luke warm at best even when Ive supplied numerous documentation to support my claims, Ive sent them documentation saying a creditor as agreed that the account was to be removed because it does not belong to me and the letter came from the furnisher and it seems as if it was overlooked, now I know they have a difficult job and a lot going on but in all that I just need my credit profile to be handled correctly ... 

The folling accounts was disputed and asked to be removed, because these companies have told me they have no information and have asked for the account to be removed for some reason Equifax have failed to complying : I NEED THESE XXXX ACCOUNTS OFF MY FILE 1.XXXX XXXX {$580.00} 2. XXXX : {$0.00} charged off company says they are new and do not know about this debt, its with XXXX XXXX and they are not associated any more 3. XXXX : this company sent a letter and I sent it to Equifax and still nothing as far as deletion {$490.00} 4.XXXX XXXX XXXX  XXXX XXXX XXXX this company agreed to remove this account {$0.00} 5. XXXX XXXX XXXX : this company agreed to remove this account {$0.00} 6. XXXX XXXX : this company said they sold and are associated with XXXX XXXX {$0.00}, told me they cant verify the account and it should have been deleted ... 

***** the issue is I sent supporting documentation to equifax proving this information is reporting no where else but with them everyone got the memo but Equifax, I think E-OSCAR VERIFICATION is causing them some problems, they need to manual review my dispute and manual look at what the creditor is replying to ; codes do not work .... Ive relentlessly contacted equifax and I need the matter to be resolved
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc. (CA)

I, XXXX XXXX NEVER APPLIED FOR THIS = CHARGE CARD, FOR XXXX $ THE WEIRD THING THERE IS NO MORE DATA ON THIS FILE = EXCEPT = XXXX  # XXXX XXXX XXXX XXXX ACCOUNT # I WOULD LIKE BACK FROM FINANCIAL LOSSES THE AMOUNT OF = XXXX $ DEPOSITED TO MY BANK ASAP,