davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going over my records & detected the fraudulent information and account which does not belong to me STILL reposting on my file in Transunion. The other bureaus have already REMOVED this fraudulent information so my question is why do you still report this harmful record? I have already disputed this item quite a lot of times and specified that I am an identity theft victim. I even sent my FTC report I filed online on their website and the Police Report I filed on my local Police Department alongside with my personal information and documents but still you decide on to continue reporting this account. Credit Bureaus are guaranteed to fulfil with the FCRA regulation section 605b but you never feel a concern nor paid any consideration to my Disputes. You became neglectful of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. Now, I want you to GET RID OF this account from my file like the other bureaus have completed. 

XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/2018 XXXX $ 0-Late/Closed Late Dates XXXX
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (CA)

I reviewed my consumer report and I know for a fact I never entered into a consumer credit transaction with EOS CCA. I've never even heard of this company before. I have never been in contract or contact with them. Nor have I given them consent to have my personal information. My consumer right to privacy has been violated. I wrote this company back in XXXX and I never received a response.
Consumer complaint received 2020-07-01
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 am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}, {$24000.00}, {$9600.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- CLOSED ACCOUNT 4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/NELN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (GA)

This is the fifth time that they've sent me a debt collection letter of which i have had numerous time telling them that i have been a victim of identity theft. 

Radius Global Solutions LLC is representing a creditor named XXXX associated with XXXX XXXX XXXX. I'm unable to call Radius Global Solution due to me being XXXX XXXX with XXXX  XXXX. I have no one to assist me in calling Radius Global Solutions either. This is why I'm contacting CFPB in hopes to clarify that this amount {$3700.00} is not mine to pay because i have been a victim of an identity theft. 

Please inform Radius Global Solutions to clear and to remove this balance off from my credit history as a write-off that i am not responsible for balance owed. Thank you.
Consumer complaint received 2021-03-01
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. (TX)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 90 plus ) days late on the XXXX XXXX partial account number XXXX. I set up automatic payments on this account and the bank did not run the payments correctly on the scheduled dates for payment. Consequently, this banking error caused the account to go late and the account was then reported to the bureaus as being past due. The bank acknowledged these errors and refunded the fees associated with the lates. ( I have also attached a copy of the letter from XXXX XXXX XXXX verifying that I had in fact enrolled in the bill pay services on XX/XX/2020 for XXXX XXXX. ) I have contacted the bank on multiple occasions to request they reach out to the bureaus to have these lates be removed from my credit report. This false reporting of lates is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have also tried on multiple occasions to contact the bureaus to remove these lates however, I have not been successful.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

Call from Wells Fargo in XXXX, XXXX by XXXX XXXX saying I may have check whose signature doesn't look right. Since I wasn't sure the call was spam, I called my branch in XXXX to ask if there was a problem with any of my checks. The bank manager said that none of them were flagged. A few days later XXXX XXXX called back on XX/XX/XXXX and then XXXX XXXX took the call to talk directly to her. She then described that a XXXX of my check 's did not match my signature. She told me to immediately get to my nearest branch to file fraud papers. I got to my branch within 20 minutes of the call, filed the papers, and received a copy. A week later we found out the check had cleared our account XXXX XXXX. 
We now were regularly in communication with the Fraud Department of Wells Fargo. We assumed that this fraud dept. contacted previously the police and/or FBI ( which we much later found they did not ). After numerous calls to the Fraud department to determine what they were doing about our case, we were getting very little response. Finally, after complaining to the executive office also, we were told that the fraud department was sending a letter to the bank where the check was cashed. The fraud department would not tell us who that bank was. But we found out on our own that it was XXXX XXXX in XXXX near the other Wells Fargo. We also asked for a copy of the letter sent to XXXX XXXX and, to this day, have not received a copy. 
We have constantly called Wells Fargo, both the Fraud and executive departments, asking for information and follow-up. Not only have we not gotten any information, but we keep on get a new case number, as if we're starting all over again. This is so nobody has to deal with XXXX regularly. 
Since we were getting nowhere, we decided for our own protection, we should try to at least file a police report. We did that in XXXX, XXXX. 
We were able to speak to XXXX XXXX at Wells Fargo again. She told us that she was surprised that the check was cashed because she got a call from XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX asking if the check was OK and that she had told her it wasn't. 
We have been willing to wait out the time for all investigations to happen. The main reason for this complaint is that Wells Fargo just sent us an email on XXXX XXXX at XXXX, after over 2 months ending their responsibility to this fraud. When we called for more information, we were told he didn't have the time because he was too busy. 
If more detail is needed, we can forward much more information, including names of people handling " so-called '' files each time and dates. 
As a point of reference, we'd like to mention that this check was intercepted from the XXXX XXXX XXXX.
Consumer complaint received 2017-07-24
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. (CA)

Already filed Disputes letters also XXXX sent an letter saying that they investigate and deleted or removed some errors this XXXX XXXX XXXX last update was XXXX XXXX2016 I have been trying to get help with credit problems for more than four years now the Fair credit Act as a consumer should help in this case. if any questions please call me at my home phone number ( XXXX ) XXXX or ( XXXX ) XXXX
Consumer complaint received 2017-07-24
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. (TX)

WE had two vehicles financed through XXXX XXXX XXXX XXXX XXXX and were looking to refinance. We got a better offer from XXXX XXXX XXXX XXXX and went with them. XXXX sent over the check for the vehicles in time before our payments were due but XXXX XXXX decided to not process the buyouts in time and now my wife and my credit report shows as being late on a payment and it directly impacting our credit scores.I have reached out to XXXX and received nothing back.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-09-13
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: EQUIFAX, INC. (FL)

NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Consumer complaint received 2018-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

Paying off an installment since XX/XX/XXXX, I have had some issue paying on time due to lags in employment and low wages. I was able to get my bi weekly payment date changed to coincide with my new job, starting XX/XX/XXXX. I paid on time on XX/XX/XXXX and was notified via email by the company on XX/XX/XXXX that my next payment was due on XX/XX/XXXX. They deducted the amount two days early on XX/XX/XXXX. I did not have the funds to cover the amount and now have a negative checking balance, which is increasing due to over draft fees daily. I have no money to eat, travel, or pay other bills with as this will take up a big chunk of my paycheck on XX/XX/XXXX and will result in me being late on my phone bill, due this month and my rent due next month on the XX/XX/XXXXXXXX. I contacted the company via phone and was told there was no reason as to why the funds were taken out early and that it could take days to sort this out and I was denied a definite yes or no on whether or not they would pay overdraft fees. I was also not given a time frame towards any solution. Just an email to send copies of my bank statements. Please help as soon as you can as I have no money and way to get to work after today. I was also told that my next payment date of XX/XX/XXXX still stands. I mistakenly took out a smaller, payday loan in an attempt to act as a buffer, but it did not come in on time and was too low, now I have that to deal with as well.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me a lot, and I feel unwell due to this situation.
Consumer complaint received 2018-03-09
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. Experian, XXXX, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from Experian and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.
Consumer complaint received 2018-06-21
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: LD Holdings Group, LLC (MD)

Spoke to Loan Depot after making an inquiry on XXXX XXXX. Told them I did not want to go forward with an application and I don't consent a hard pull. They have this recorded and they confirmed it. 

They pulled my XXXX  Credit Report. 

I contacted them to correct and they said they didn't know how. I contacted XXXX, but you can't dispute an inquiry online. I called, but their phone tree isn't working. Tried several times with several different phones. It makes you say or input your SSN, but doesn't recognize it when you input it.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

EXPERIAN keeps opening up disputes on my XXXX XXXX XXXX  without my request knowledge or authorization!!! STOP IT IMMEDIATELY!! I requested ONE dispute a week ago because XXXX XXXX WAS NOT reporting my on time payments and lower balances to experian and it's XXXX  my credit report score and ability to obtain credit and a roof over my head!! stop all disputes immediately UNLESS I REQUEST THEM IN YOUR WEBSITE!! I DOD NOT REQUEST THREE DISPUTES ON MILITARY STAR I REQUESTED ONE!! close it immediately and do not open a dispute unless i request it on your website!! stop it!!! my star card report on s now current!!
Consumer complaint received 2021-03-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MO)

In XXXX I had an issue with my escrow account. I fixed this issue and sent in the check on XX/XX/17. They were going to analyze my escrow account and adjust my payment amount. I have been calling Cardinal Financial every month since XXXX trying to get this situation resolved. For the last three months they have actually hung up on me.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Consumer complaint received 2018-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SUNTRUST BANKS, INC. (GA)

Attempted to transfer funds, using XXXX, from a Sun Trust account to a XXXX XXXX account. 

The recipient is affiliated with two accounts. " A '' a joint account and " B '' a personal account. The transfer was completed but did NOT go to the account I stipulated, account " B ''. 

On XX/XX/XXXX {$300.00}, on the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00} and the XX/XX/XXXX {$500.00} was transferred. 

I went to my local branch and spoke with XXXX, I was told that I must have input the wrong account number. That process was checked and rechecked and NOT correct. I was told that Sun Trust was unable to tell where the funds went. She then called Sun Trust, somewhere, and spoke with XXXX. she said that account " A '' must be my son 's primary account and that is why the funds went to it and not to account " B ''. I asked, " Of the two accounts I have with Sun Trust which is my primary '' she had no answer. 

I can find no credence or validity to XXXX 's explanation.
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (CA)

XXXX XXXX  now Axos bank has closed my account without my consent they are charging me a fee of {$8.00} that was not originally on the banking aggreement, I have had my sons XXXX  payment sent to this account and they are refusing to release the funds to me
Consumer complaint received 2021-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. My funds were locked up and i can't access them. I am a student and i was relying on those funds for my survival. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-03-01
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. (PA)

Transunion was notified several times that I no longer have an auto loan balance with XXXX XXXX XXXX XXXX due to my auto loan being paid in full on XX/XX/2021. However, the auto loan from XXXX XXXX XXXX XXXX is still listed on my credit report as if I still have a current loan.