davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Yesterday I pulled my credit report and I noticed I have accounts on my credit report that don't belong to me nor have I ever authorized. I notified my lawyer and she instructed me to file a complaint with the CFPB first. The following accounts are fraudulent and are not mine and need to be deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also these inquiries are fraudulent and not mine and need to be deleted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I also see several inaccuracies with my personal information. The only name that I have ever used is XXXX XXXX, my address has always been XXXX XXXX XXXX, XXXX, IN XXXX and I am self employed. My only number is XXXX. None of the other information applies to me nor has it ever and needs to be corrected. Please correct it as well. Please help me.
Consumer complaint received 2022-01-19
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)

The company in this matter ( EXPERIAN ) hasnt solved any issues in their response. In fact, their response was unethical. As per my right according to FCRA Act Section 611, i asked for method of verification used in coming to the conclusion that whats being reported on my credit file is indeed accurate. Furthermore, under the FACTA Act Sec 312 ( b ) and ( c ) I also requested any and all documents used in determining validity on this account. Not only did Experian fail to adhere to my rights by law, they tried to deceive me by stating they sent me a result summary on this matter XX/XX/XXXX, of 2021. It seems as if Experian doesnt agree with common law practices and takes pride in violating human rights. I am requesting as per the FACTA ACT SEC 312 ( b ) and ( c ) and as per my human rights too please send me all documents used in determining the validity of this account. This account is not valid, and if you cant adhere to my request I am requesting it be deleted immediately.
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OH)

I could only select one of the options above but there are actually XXXX. Account terms, Account Status and validation that the account even belongs to me. The issue is with XXXX XXXX Bank who reports different things to XXXX Equifax and XXXX, all are negative and severely damaging my credit report. I have filed a direct dispute with XXXX XXXX Bank in order for them to stop reporting inaccurate and damaging information to my credit report.
Consumer complaint received 2022-01-19
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: Experian Information Solutions Inc. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2023-05-05
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: EQUIFAX, INC. (CA)

-Dates associated with item being disputed : XX/XX/2022 -Explanation of item being disputed : The account referenced by XXXX. XXXX XXXX XXXX XXXX is showing as a Collection, however, this account does not belong to me. This account is also not legally in possession of XXXX. XXXX XXXX, nor do they have a right to collect on the supposed debt. I did not receive the mandatory 30 day right to challenge said debt. The Debt Collection License for XXXX XXXXXXXX XXXX XXXX XXXX is described as Pending. As a result, I am currently pursuing XXXX. XXXX XXXX in legal proceedings for this reporting. Please kindly update my report to show the Collection as removed. 

XXXX, Equifax, XXXX has not taken this information and investigated properly. Despite the lack of proper procedure for debt collection, as stated by the Fair Debt Collection Practices Act, by XXXX. XXXX, XXXX, Equifax, and XXXX has not deleted the item from my report. XXXX has only updated the amount of debt on my report based on the word of XXXX. XXXX XXXX. This collection has resulted in my inability to secure financing for a vehicle and for a home. The original creditor is being pursued for punitive damages, as well as gross negligence, despite this, this collection has been placed on my report.
Consumer complaint received 2022-07-19
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. (PA)

IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY ....

15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES I DIDNT AUTHORIZE. 
______________________________XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX Retailer ) XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX EQUIFAX/ AND XXXX XXXX BELOW : XXXX XXXX XXXX Original XXXX : XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX, _______________________________________ Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

IN ACCORDANCE TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY ....

15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES I DIDNT AUTHORIZE. 
______________________________XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XXXX Important dates Inquiry date _______________________________________TRANSUNION XXXX XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Bank ) XX/XX/XXXX XXXXXXXX ( Retailer ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXTRANSUNION COLLECTION BELOW : XXXX XXXX XXXX Original XXXX : XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX, _______________________________________ Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX XXXX Bankruptcy Responsibility Individual Asset Amount XXXX
Consumer complaint received 2022-01-19
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. (SC)

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I had previously reported on my issue with Wells Fargo on another dispute in which they had replied with an attached document and I responded because much of their statement was full of inaccuracies or lies. You folks at CFPB had closed this dispute which should have been further investigated but I had pulled my full Credit report and just noticed some additional inaccuracies or erroneous reporting on behalf of Wells Fargo regarding the dates in which they are reporting when I made payments on this account. 

I am requesting verification of cashed checks or debit transactions from Wells Fargo on these dates in which they claim I made payments on the account in question. I only made a payment in XXXX of 2018 while this account was in dispute and not on any other date. This would prove my claim of Wells Fargo 's erroneous reporting or lies to manipulate clients credit files to solidify their case. There were no payments made from XX/XX/2018 until XX/XX/2018 in which one payment was made and no other payments were made on this account what so ever while in dispute before or after XX/XX/2018.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NH)

On Saturday XXXX XXXX I initiated a wire transfer from my Citibank accelerate savings account for an amount of {$25000.00}. I was contacted by the fraud department that afternoon and answered many identity verification questions. I contacted Citibank again on Sunday XXXX XXXX at their request, answered more basic identify questions and was told the wire should be set in 24 hours. I contacted Citibank again Monday XXXX XXXX, answered more basic identity questions and was told I had to wait another 24 hours for my funds. I contact Citibank on Tuesday XXXX XXXX and transferred to multiple departments after holding more then 45 minutes. 

They made me call multiple phone numbers, talk to many different departments and created unreasonable obstacles to obtaining my funds despite me proving my identity on multiple occasions. At times the representatives were not even to identify who I was being transferred to. Overall I have spent a total of over 80 minutes on the phone or on hold with their fraud department.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2015-05-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I experienced some financial difficulties after the death of my wife of nearly 40 years. I was diagnosed with XXXX XXXX and then layed off from my job shortly after. I regrettably was left with no choice but to file bankruptcy. Since that time, I have returned to the work force and have attempted to work with Wells Fargo to avoid foreclosure of my home. I am willing to assume XXXX % of the debt on terms that I can afford which are terms that I know Wells Fargo has offered to other borrowers. Wells Fargo refuses to work with me and unfortunately, I believe that they are discriminating against me due to my age. I have knowledge of a younger working man that was offered unbelievably generous modification terms from Wells Fargo but I am told that they are not willing to consider a modification of my loan unless I agree to terms that I can not afford. I believe that they want to take my home and are unwilling to work out any other solution. I have been in the home since 1989 and have an emotional attachment because my wife passed away in the house. I am trying to workout terms with Wells Fargo that are much more beneficial to them than they are to me but I was just told that they will not consider a modification under any terms and will only move to foreclose. This seems punitive and unjust. Please help me.
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I am not sure why my complaint XXXX was closed, but this complaint is valid! My direct deposit checking account ends in XXXX and I have 3 credit cards with CITI XXXX, XXXX and XXXX. 

For the past 3 months, I have been calling CITI REWARDS to have an account that has never been activated or used on my profile REMOVED ending in XXXX. Everytime I do a direct deposit of my rewards points, this account XXXX shows up as a choice to send funds to which is not valid. I spoke to a " XXXX '' named XXXX on XX/XX/2023 XXXX who stated they would submit an IT ticket to have it removed as they are not able to. When my billing cycle ended, it was still there. On XX/XX/2023 XXXX I spoke to someone named " XXXX XXXX who stated they found this " XXXX XXXX and that he would call me back with the status of the ticket that same Friday. No one called me back. On XX/XX/2023 at XXXX. I spoke to this rude unprofessional supervisor named " XXXX '' who was patronizing and mocking stating she could submit a complaint for me, but probably no one would call me back and that she saw no XXXX case. I said so submit a new one. She said they have no IT department. That I would have to remove this myself on the website. I stated this account is not even on my main profile page so they had to remove it on their end. I am tired of getting the runaround. My REWARDS account is XXXX. My name is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX. Billing : XXXX XXXX XXXX, XXXX, Wi XXXX. XXXXXXXX XXXX  XXXX.
Consumer complaint received 2015-07-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (OK)

I had a XXXX Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with XXXX.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

I am writing to dispute the following inquiries. It does not belong to me. I never lived in these addresses associated with these. I was contacted by a collection agency regarding the accounts that are associated with these fraudulent inquiries. I also have no knowledge of obtaining any of the inquiries listed here. 
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 XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX 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 XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2015-07-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

On XXXX XXXX, 2015 I contact Navy Federal Credit Union not being able to complete or add a biller for payment. The Customer Respresentative told me that only way me to add new biller I must have desk top computer. I explain to the Customer Representative that I do not have desktop and I only could access my account via IPAD and IPhone. Why is that account access does allow you access you account and setup bill payment on other device then desktop. Because I 'm unable to pay my bills this process should available thru various tech equipment.
Consumer complaint received 2022-07-05
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Unverifiable no data information CXXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2016-01-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (IN)

There are XXXX dates of service listed that are in collections. XXXX was paid by my insurance months ago. This was a bill from my doctor 's office. The second they are claiming is for the same date of service, and from the hospital. However, I was not seen at the hospital on that date ; therefore, the service is invalid. I confirmed with my doctor 's billing office that the actual date of service has been paid. I spoke with someone at the collection agency, and they informed me that despite what my doctor 's billing office is saying, this is a legitimate debt that I need to pay. I owe nothing.
Consumer complaint received 2016-09-10
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (CA)

After making an electronic payment on my credit card which placed a positive balance in my favor on the card of {$140.00}, Wells Fargo informed me that while the payment for the card had been credited to my statement that the funds would be held for 15 days and my credit line would be unavailable until after the 15 day period. The {$140.00} balance in my favor would also be unavailable. The withholding of this portion of the payment is nonsensical to me considering the payment was an electronic payment.
Consumer complaint received 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Post Lake Lending Inc. (CA)

I was applying for a refinance loan for my car. When documents came with agreement I did not sign because it was only for XXXX instead of XXXX and at a way too high of a rate. 

I paid back the amount they deposited automatically and they are still trying to collect now they want to garnish my wages.