davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

RECEIVED NOTICE FROM PACER THE ENTITY THAT STORES US COURT DOCUMENT 'S RELATED TO COURT FILINGS... THE PUBLIC RECORD XXXX XXXX  HAS BEEN REMOVED AS THE UNITED STATES DISTRICT COURT ORDERED ... THIS PUBLIC RECORD SHOULD HAVE BEEN REMOVED AS DIRECTED BY UNITED STATES BANKRUPTCY COURT ... XXXX HAS FAILED TO PROPERLY INVESTIGATE THIS DISPUTE...
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NE)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (CA)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( Account Name XXXXXXXX XXXX Account Number XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

Between XX/XX/2023 through XX/XX/2023 my credit card was used with this business for over {$4000.00}. I have reported to the company Synchrony that these charges were fraudulent. I filed a claim with the credit card company and XXXX. Claim was denied. This is apparently an online betting service. The XXXX company refuses to give any accounting of any accounts that they have attributed to me. The company has several complaints about the same thing that happened to me. XXXX has received over {$4000.00} from this credit card in small increments within 7 days. This activity is not like any activity I have ever had with any synchrony card. This should not have been allowed to go on without speaking to me at the very least. I called the fraud department after they rejected my claim. This card per its terms of service has a protection against this exact thing and also says the same thing on the letter I received about my claim. I requested they send me what XXXX provided the bank that allowed them to deny my claim and to see what information they received I was told they had no documents and the company just said they verified my email address and simple things like that, but nothing else. I was told that they had no documents they could send me to show me what information was used about the XXXX transactions that allowed them to deny claim. They said they could not send per policy. I asked that I be sent that policy. She said she couldnt. I asked who her boss was and she said she did not know. She did say they reopened the claim, but I do not see any evidence that it has. The funds that I have filed a claim on are not removed from the credit card, which is affecting my credit score in a negative way.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Mortgage Research Center, LLC (OK)

On XX/XX/2022, I submitted an application to Veteran 's United for a pre-authorization for a mortgage loan. When I checked my credit a month later, it had a XXXX XXXX XXXX added to it. I did not finish applying for the loan, and did not take it out. This brought down my credit to the point that I am having trouble applying for credit lines. I do not owe the company any money. I contacted XXXX and they stated that if I were to get a letter from the company stating they did not intend for this to happen, I would be able to get the inquiry removed and everything would be reversed. I have emailed the company, and they said there is an adhesive disclaimer stating they may make a credit inquiry. The adhesive clause does not provide that XXXX points can be taken off of my credit score. Since this went through all three credit bureaus and they have a scoring model defect, I was directed to take this issue up to them. I am very upset that this has happened, I believe the credit bureaus need to have scoring models that are not bias against a consumer for not getting a line of credit. I also believe that this is an excessive amount of points to be deducted. United Veteran 's will not give me a letter to remove this inquiry from the bureaus.
Consumer complaint received 2022-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I initially opened a claim - XXXX - and just got my response back and the reasoning is ridiculous. 

My complaint was because I was scammed out of my money by a verified user on XXXX, but unfortunately they had their account hacked, so the money I sent them for charity went into a scammers pocket. 
Because of that, I went to a local branch of Bank Of America and asked for help and was told " We suggest you don't use XXXX. '' That comment, and the unwillingness to help, led to my complaint. Not that BoA made an error. 
My reasoning is why offer a service and tell your customers to use it, but offer no protection for when they do use it, and are unwilling to help them when they do use it, and that you're own employees caution you about using it in the first place? 

In response to my complaint, BoA said it's not their error and I should contact the person I sent the money to and ask for it back. 
Yes, I'm supposed to contact a scammer, that hacked someone's account, and ask for it back. How does one even go about doing that? If I knew who that was, I would be going to the police, not making an online complaint. 
Believe me, I've tried tracking this person down, I found numerous fake companies associated to them. I found an address in ND, which is most likely fake. But I've tried! 

XXXX is a system designed for scammers, where all the protection goes to the scammers, and BoA and XXXX know this and refuse to change anything or help in any way. 
" Not our problem '' and washing their hands and turning their backs.
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$410.00} Status Account charged off. XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

This account has never belonged to me! This account is unknown to me. I never entered into any agreement with this account. I should not be held responsible for this account because it is not my responsibility! I have already asked this account to validate this account, but it has failed to do so.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CT)

I opened a CC account with ASPIRE, this CC was offered with not annual fee on XX/XX/XXXX. I just found out that a annual Fee is being charged since XX/XX/XXXX and XXXX XXXX which I never requested ; I called them and they told me they email me about it in XXXX and I never responded back. 

I told them I did not receive any communication and that i want all my money back since I never signed for it and that CC was offered to me with no annual fee. They said they will cancel my XXXX XXXX and returned back 3 months but not the whole amount, but the annual fee they can do anything which I told them that they cant add fee when they offered no fee. 

I want to make this public and just earn anybody to applied for this card. Please, Consumer Financial, help me to get my money back.
Consumer complaint received 2023-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$210.00}
Consumer complaint received 2023-02-23
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-11-26
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (GA)

USAuto went out of business then a company called westlake have been calling threatening to take my car Im driving a XXXX XXXXXXXX XXXX I have never sign any paperwork with this company they calls me 7 days a week for payment I have had the car for XXXX years and they asking me to pay almost XXXX for the car
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/23 I received an email from Wells Fargo stating I had applied for and been approved for a Wells Fargo Active Cash Visa Card with a Credit Line of {$16000.00}. I also received an alert from XXXX XXXX and XXXX that there had been a hard pull of my credit report. 

I had not applied for this and have never had an account with Wells Fargo. I immediately contacted Wells Fargo, and after talking to XXXX different people, I was told that they would have to talk with someone in a credit card department that would not open again until Monday. My husband also spoke with Wells Fargo staff about this and was also told that I should call back in a few hours because at XXXX XXXX the credit card likely would have been processed and they should be able to cancel it. 

I called again on Sunday, XX/XX/23 and was told that because the card had not yet been created they couldnt cancel it. However, I was requesting they prevent the card from ever being created, as the creation of this card could allow someone to begin spending money on a fraudulent account. Wells Fargo was unable to help me and as it stands the card will be created before it can be cancelled- and it can only be cancelled by my calling Wells Fargo again tomorrow to try to get this resolved.
Consumer complaint received 2024-11-01
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: Experian Information Solutions Inc. (VA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I want to stress that this isn't just a small mistake. The errors on my credit report are causing real problems for me, and the impact has been overwhelming. With everything going on, it's been a huge source of stress.
Consumer complaint received 2022-08-19
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. (LA)

I recently checked my credit report and discovered two charges from a company that I didn't recognize XXXX XXXX XXXX XXXX. these charges are literally two months apart, XXXX and XXXX. I feel so violated in knowing that someone can use your information against you like this. {$2200.00} of debt that I didn't authorize.
Consumer complaint received 2024-11-01
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. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-09-17
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. (GA)

I am not liable for this debt of {$300.00}. with XXXX XXXX XXXXXXXX. Account Number : XXXX I do not have an account with this company. I asked to be provided with the original contract as my wet signature and ID verification. Instead was sent a Final Bill.
Consumer complaint received 2024-09-17
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. (NC)

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS.

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.