davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-08
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)

It is an account from a company name XXXX on my credit report, I don't know what is that for and it is showing as charge off/collections, this is damaging my credit score and as I said I do not recognize this. 

I called them several times, to their phone numbers but all their phones are disconnected. I found this is something related to easypay but it is the same phone disconnected issues.
Consumer complaint received 2021-07-08
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)

It is an account from a company name XXXX on my credit report, I don't know what is that for and it is showing as charge off/collections, this is damaging my credit score and as I said I do not recognize this. 

I called them several times, to their phone numbers but all their phones are disconnected. I found this is something related to easypay but it is the same phone disconnected issues.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (TX)

On XX/XX/XXXX which was a Sunday I stopped in XXXX charge {$23.00} on my card I lost my card immediately afterwards. I was not aware of this loss until Monday afternoon the XXXX of XXXX when I called to check my balance I found out my account was cleaned out of all cash. When I went to check for my card to call direct Express my card was gone so I called them and reported it lost or not stolen I knew it was lost. I told them my last transaction would have been at the XXXX for {$23.00} and anything after that would have been a fraudulent charge. So they have sent me a notice saying that there's conflicting reports of what I reported and what they found in their investigation which is ludacris because how can I report anything other than when I lost my card and what my last charge was? They have sent me a notice which I have attached to this complaint showing all the charges for that month off my card I'm only concerned about the ones from XX/XX/XXXX onward except for the one for {$23.00} which was my last charge. I have contacted direct Express trying to get copies of the documents they said I could get in this letter but they never send me a copy I don't know what documents they're talking about. Unless it was for my original claim which I filled out from memory. I lost a considerable amount of money as they're refusing to reimburse me for these fraudulent charges and it's been a financial burden for me cuz this is my social security retirement all the money I get every month.
Consumer complaint received 2019-03-07
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: EQUIFAX, INC. (FL)

Equifax is reporting a hard inquiry on my report for XXXX XXXX XXXX dated XX/XX/2018. 
I have not applied to any credit for XXXX XXXX XXXX. 

This inquiry is due to stolen identity or other matter not involving me. The following address is not a valid address according to the USPS and the phone # is disconnected. 

Please remove this false XXXX XXXX XXXX hard inquiry from my credit report immediately - this is lowering my credit score! 

INVALID ADDRESS and DISCONNECTED PHONE # for hard inquiry : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX - MT XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Consumer complaint received 2019-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX XXXX. I received the attached letter from Wells Fargo, I am requesting that I do not get any phone calls and to communicate in writing only on this matter. They make mention of an account ending in XXXX and while I do have Wells Fargo accounts I do not have one ending in XXXX. I never had nor called to close an account ending in XXXX. Please see the attached letter from Wells Fargo.
Consumer complaint received 2021-02-20
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: I.C. System, Inc. (MO)

I C System is reporting false information on my credit report. Not my account ; I have asked for proof that we have done business, and I haven't received anything back. It's been over 6 months.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep dissatisfaction and frustration regarding the relentless attempts to remove the charge off account from my credit report. Despite several communications and efforts on my part to rectify the situation, the issue persists unresolved. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt resolution. 

I first became aware of the erroneous charge off account listed on my credit report. Subsequently, I diligently followed the proper procedures outlined by [ creditor/bank name ] to dispute and rectify the inaccurate information. However, despite providing all necessary documentation and evidence to support my case, the charge off account remains on my credit report. 

Furthermore, I have contacted your customer service department multiple times, spending significant time and effort to resolve this matter. Regrettably, each interaction has been met with promises of investigation and resolution, yet no tangible progress has been made. 

As a responsible consumer, I take great care in managing my finances and maintaining an accurate credit history. The presence of this erroneous charge off account not only tarnishes my creditworthiness but also undermines my efforts to secure favorable financial opportunities. 

I demand immediate action to rectify this issue and ensure the accurate reporting of my credit history. Specifically, I request : The removal of the charge off account from my credit report. 
Confirmation of the removal in writing, along with updated credit reports reflecting the correction. 
Compensation for any damages incurred as a result of the inaccurate reporting, including but not limited to, any adverse effects on my credit score and financial opportunities. 
Failure to address this matter promptly will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to seek redress. 

I trust that you understand the urgency and seriousness of this matter and that you will take immediate steps to resolve it satisfactorily. I am asking for your assisstance to remove this account in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3800.00}.
Consumer complaint received 2020-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FULTON FINANCIAL CORPORATION (MD)

On XX/XX/2020 i used the Fulton Bank Et al ATM on the outside of the XXXX XXXX MD Branch on XXXX XXXX XXXX. I deposited {$140.00} in cash utilizing an machine which is/was the EXACTLY Antiquated ATM machines which permit deposits of checks/cash, yet these types of machines DO NOT PERMIT a customer to deposit all CASH EXACTLY LIKE I DID & have the entire deposit of CASH available same day. After learning on XX/XX/2020 any deposit CASH OR CHECK only {$100.00} is available IMMEDIATELY! When the USA Government gave The XXXX XXXX  ET AL of Maryland PERMISSION TO MERGE WITH FULTON BANK ET AL they neglected many things which caused me after the merger 10 plus days to check a bill pay ck deposited from a bank literally across the streetbut other people did not have the same lengthy deposit time -ONLY ME!! Now they refuse to RETURN THE {$39.00} nsf fee the assessed my account ending XXXX, even after i requested 3 XXXX  times. I am on XXXX ( NOT A MILLIONAIRE ) -i need every dollar to pay my bills. I have spent hours on the phone explaining all items they never fixed prior to the merger with one if their executives who said he appreciated my in a telephone conversation, yet blatantly refused to acknowledge same in writing-which makes him of poor quality character! Obviously i can clearly tell an executive what & how to fix the issues from a horrific merger which was authorized without properly ensuring customers did not feel/experience the BRUNT of the merger- yet i can not have a teeny tiny {$39.00} nsf fee refunded with apology. Today XX/XX/2020 i drove up to same antiquated ATM at same branch location which now DENIES ME THE ABILITY TO DEPOSIT FUNDS! Wonderful way to show ALL customers are VALUED!! I want all these issues fixed plus i deserve interest on my nsf fee up to date it is actually refunded back to my account. That is only fair & just, since i tried to fix it from XX/XX/2020TO NO AVAIL!!
Consumer complaint received 2019-03-07
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: EQUIFAX, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX ) $ ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ( XXXX ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) XXXX ( XXXX )
Consumer complaint received 2020-10-09
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)

during the months of XXXX and XX/XX/2019 we paid our auto loan on time. we never was late. please check this when eve I call they say well its your problem and this is in our records. IF ITS OUR FAULT WE WILL UPDATE IT. I have not received any updates from them as to when these lates will be removed. Ive been trying to close on my mortgage for 11 months. I need this fixed. Please help
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Banks keep telling me that XXXX is telling them that I have a consumer ID theft notification on my profile, however, XXXX says nothing is on my profile. This is extremely frustrating because I am unable to open up a bank account. Please remove this off of my file, any theft or restrictions, period.
Consumer complaint received 2016-01-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Appalachian Lending Corporation (TN)

Appalachian. Lending has harassed us by calling a place we XXXX. And falsifying. That we gave them as references when in fact we did n't. Give anyone that we worked with out there as references. They kept calling. Then sent friends on XXXX and us messages on face book. They had a deputy come out with a paper no court date on it saying they would garnish a hobby my husband does it 's not a business does n't. Clear XXXX a year and it 's doing more raising money for other people. They 've stalked ys on social media to find out he does his XXXX.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

this debt owed was a part of litigation that was resolved in XXXX with all monies owed to XXXX XXXX being resolved in a settlement. Further the debt was from XXXX but Portfolio associates has updated the debt to XXXX.
Consumer complaint received 2021-07-08
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (CA)

I have been having problems with a Lane Bryant open without my consent. In XXXX store a Lady claim to enrolled me on a club membership for Lane Bryant and asked for all my info to get 10 % off. Regardless of what happen, refused to get a payment and said I is complementary for your application today. I still paid the bill send to me later. I paid {$19.00} for a XXXX dollar item. even do I paid the bank they gain their credit cards community Bank has attempted to get over {$500.00} dollars from me for their abuse. I reported them to the credit bureau and they fail to give a solution to the situation. till now they have been lying on my credit report and harassing me for no reason giving bad feedback about me even do I paid. 

their persuasive agents become personal, aggressive and attempt to induce you to pay more and more every time their abusive customer service personnel become very personal agressive and inducing when I call claiming random reasons as to why I should give them more money every time. 

I need help.
Consumer complaint received 2018-01-29
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. (MI)

****REMOVE THE CONSUMER STATEMENT AND FRAUD ALERT IMMEDIATELY! **** Is this a coordinated attack from XXXX XXXX, Experian, XXXX  and XXXX  or simply the results of a reckless atmosphere within the credit reporting agencies and towards requirements/laws Congress has  clearly stipulated. 

Experian, XXXX  and XXXX  have blatantly committed fraud by adding a consumer statement and 90 day fraud alert on my credit reports, implying it was done at my request, particularly in light of the fact, I had clearly requested to remove all consumer statement and NOT add any additional consumer statements just 10 days ago. 

Summary of Facts : I have been trying to close on a {$600000.00} mortgage since XX/XX/XXXX( see attached ; inquiry from XXXX XXXX ) and must close by XX/XX/XXXX, otherwise suffer a large financial lose. They will not close with any consumer statement on my credit report. 

On XX/XX/XXXX, I filed a dispute and clearly requested the removal of all consumer statements and that I did not want any CONSUMER STATEMENTS reported in the near future. See case # XXXX XXXX Here is the exact wording : RE : XXXX XXXX XXXX Credit Card acct # XXXX x FRAUD! I have no idea what the XXXX is going on. I have a XXXX   XXXX Credit Card with a credit limit under {$1000.00}, which I have not used in years. 

*irreversible harm and damages is certain within weeks from today if no action is taken promptly, as the timing of these most recent updates to my credit report could not have come at a worst time. 

*Also ; I DO NOT WANT ANY CONSUMER STATEMENT ADDED TO MY CREDIT REPORT AT THIS TIME AS A CONSUMER STATEMENT WILL ALSO HARM ME. I SIMPLY WANT THE NEGATIVE INFORMATION XXXX   RECENTLY REPORTED REMOVED ( THIS CAN BE A TEMPORARY REMOVAL AS I AM HIGHLY CONFIDENT ANY INVESTIGATION WILL CONFIRM MY CLAIMS AND CONCLUDE FINAL REMOVAL. 

However, I was shocked and bewildered that Experian, XXXX and XXXX went ahead and placed a consumer statement along with a 90-day fraud alert onto my credit reports without my knowledge and request. 

I am assuming the credit bureaus will Likely attempt to use my complaint in case # XXXX XXXX as their reason. If that is true, it is further proof Experian, XXXX and XXXX  do NOT properly read and investigate claims of disputes. Nowhere in that dispute did i request or even hint to add a fraud alert or consumer statement. 

WHY? The fraud I disputed on case # XXXX XXXX took place three ( 3 ) years ago. It is clearly written in the dispute. Further I have ID theft protection through XXXX and a membership with Experian who claims to monitor and safe guard me from ID theft along with a XXXX dollar insurance policy to cover any cost. Therefore I am in no need of a consumer statement or fraud alert. 

PLEASE remove the consumer statement and fraud alert immediately
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (AZ)

To whom it may concern, I am writing this because American Express just Closed XXXX XXXX XXXX accounts I had with them and would not provide me any detail as to why they were Closing my accounts. They requested me to get my signature notarized regarding my American Express XXXX XXXX Credit Card. Card and faxed over, which I did and was sent over on two different occasions because they didn't receive it the first time Faxed over from a XXXX XXXX XXXX Branch on XX/XX/2021. This has now created repercussions for XXXX XXXX because I used the cards for XXXX XXXX expenses. The second time I sent it was from XXXX XXXX XXXX on XX/XX/2021 since they didn't receive it the first time and after the fact that I have the Fax confirmation that they received it. They reviewed it and called me to tell me to destroy my cards that they were closing down my accounts today XX/XX/2021. I asked several times and different ways to see if I could get any details as to why they were going to close my accounts and responded with we can't provide you with any information why. I asked again and asked if there was a mistake on the form when the notary filled it out on XX/XX/2021 at a XXXX XXXX XXXX Branch, they replied I can't give you any information. I asked one more time and got the same answer. I asked the gentleman why again, that I had no balance on the cards or any late payments and used them and paid them off right away that same week and didn't understand and replied with I can't disclose why we are closing your account, Miss. I did what was requested by American Express and they closed my account without any reason or explanation and now I'm left with repercussions to XXXX XXXX  due to this aggressive action on their part after I did everything in my power to make sure that my account would get suspended as they stated if they didn't receive the notarized signature within 15 days of the notice. I asked them and told them that I wanted to keep a good relationship with them and that I wanted to continue using their services and they said as of now all your accounts are closed ( all 3 accounts, when the issue was with one particular card that they requested the notarized signature for ).
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (SC)

Rocket Mortgage ordered an appraisal for my refi application. The appraiser was shady in reaching out to me to schedule an appraisal, changing the appointment multiple times and sending me confirmation texts back to back for odd times. I never spoke with the appraiser or company owner, just the administrative assistant. Rocket never answered my complaints about the appraiser. When the appraiser did finally do the job, the estimate came in MUCH lower than a prior independent appraisal done two weeks before. Rocket Mortgage would not proceed with my refinance, would not hear my complaint, and would not consider ordering another appraisal. I am directing my complaint to Rocket Mortgage and XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a formal complaint against XXXX XXXX XXXX  regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blley Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated On XX/XX/24, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers ke me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed byXXXXXXXX XXXX XXXX. 
Please feel free to contact me if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.