davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

Concerning the mortgage loan account of XXXX and XXXX XXXX loan : XXXX For maybe over an year since our mortgage loan was Service transferred from XXXX XXXX to XXXX XXXX  XXXX, I have been going back and forth with XXXX XXXX about radical and ongoing changes that were going on with our credit bureau accounts on all four of the credit bureaus ( Equifax, XXXX, XXXX, XXXX ). Recently we discovered that the many ongoing changes were not the work or came from XXXX XXXX. And based on what we both ( Myself/XXXX XXXX ) had concluded, the changes were being done from the four credit bureaus that I previously listed. For instance, attached is a screenshot from our XXXX  XXXX XXXX mortgage account. That screenshot shows a very different account than what is at the other three bureaus. It also shows an entire credit history being removed with other changes. This was not done by XXXX XXXX. As well, the XXXX account is only showing the current payments. These are also radical differences between the other bureaus as well. And for the XXXX, the score does not change regardless of payments being made. This account seems to be LOCKED at a set score, and the same applies to Equifax, but has gone up 1 point. In correspondence with XXXX XXXX, they had indicated that they had submitted to the three credit bureaus to DELETE the accounts for both my wife and I ( see attached ). The attach document contain a section of our correspondence that I asked them to send me separately it is dated for XX/XX/XXXX. Im not surprised that the changes had not happened yet, because it turns out there are so many other request they have made over the year that were not changed. On the accounts there are statements or other things that were added to the accounts that were not there when it initially transferred over. Where XXXX XXXX had been requesting to have the account corrected to show Service Transferred it has been showing Transferred to another office that plus some other changes they have submitted request for update and that I should be able to see the update after 5 days. Being hard to believe, this is factual of what has been going on with our credit reporting, where its clear the score have been suppressed and some of the statements on the accounts have been changed. And for more 12 months and the many request to update, it has not happened. So hopefully that attached statement from XXXX XXXX can get the accounts removed is what XXXX XXXX felt would be a better solution for us since its been impossible to get the accounts restored to what they were originally and updated as requested. And for the more than 15 years of being with XXXX XXXX, unlike anything weve been going through since the Service Transfer of XX/XX/XXXX, we have never had a complaint with XXXX XXXX or have ever had a credit bureau issue.
Consumer complaint received 2022-06-22
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. (IL)

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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-22
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)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX 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 2020-11-03
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: H. Kent Hollins, Attorney at Law, P.A (MI)

On XX/XX/XXXX, we received a letter related to a notice of unpaid judgement with Account # XXXX. This was the first letter we have received, with little to no information about the reason for the debt. After multiple calls and emails with the debt collection agency, we found out this was related to a bad check written in XXXX, in the amount of {$14.00}. We were not aware there was insufficient funds in the account, and the first time we hear of this debt. We called the agency several times to negotiate paying for anything we owed regarding the principal, we offered to pay a settlement of {$200.00}, they wont respond to our calls or emails. We have escalated several times, and they do not return our calls. They are trying to collect over {$810.00} for a check in the amount of {$14.00}. We can not even get information related the first correspondence or the statute of limitations. They demand we provide them a SSN and other personal information to discuss the case with us. 


They also claim we sent them a money order for {$44.00}, which we do not recall ever sending.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a dispute in regards to the incorrect item on my XXXX. It has been well over 30 days and I have yet to receive any investigation results. 

ACCOUNT : BANK OF AMERICA REPORTED FOR : SUSPECTED FRAUD ACTIVITY DATE OF CLOSURE : XX/XX/2017
Consumer complaint received 2022-07-31
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal was sent a Cease and Desist which included a notice of violations as it relates to the credit application that I filled out AND direction from me telling them to ONLY communicate by mail. I have attached relative documents here for reference. 

They then respond and say that they are going to CEASE ALL communication as it relates to all of the accounts I have with them. If you read my letter, I never told them to cease all communications. I made it plain and clear what they were to do. They instead, are willfully noncompliant to their responsibilities under Federal Law. Their response is also attached. 

By them not responding to the demands included in the letter, they are continuing to violate my rights as a federally protected consumer. They have also included an alert on my account that reads " Your account information is being provided for information purposes only. Providing you this information is not an attempt to collect a debt ''. They are attempting to collect on a debt because within their " loans and credit '' section it says " total debt '' and then it says that these amount are due. 

This is a clear indication that they are not only violating my federal rights, they are also contradicting themselves.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BMO Bank, N.A. (TX)

Someone fraudulently opened up a checking and savings account with BMO Harris Bank with my Social Security number and name. I contacted them on XX/XX/XXXX. Eventually their fraud department agreed the account was opened fraudulently and closed the account and sent me a letter acknowledging that on XX/XX/XXXX. I then received a letter from BMO Harris credit dispute specialist dated XX/XX/XXXX that stated that the account in question was opened properly. They would not take any further action to clear my credit unless I sent them a police report identify and I was a victim of identity theft. I have filed now for a police report, but how is it that the fraud department can say it was fraud and the credit department can say were not going to clear your credit. The only reason I knew the account had been opened was the fraudsters didnt select paperless statements for the savings account portion. Ive never received any information about the checking account that they had a paperless option on, nor do I know what the account number is.
Consumer complaint received 2022-06-22
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: JPMORGAN CHASE & CO. (GA)

Hard inquiries from both JP Morgan Chase & XXXX XXXX  for credit card applications reported on my credit report for accounts I did not apply for. Contacted both banks to alert to fraud.
Consumer complaint received 2022-07-11
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. (TN)

In accordance with the Fair Credit Reporting Act, 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 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 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This message was not sent in error, I am a consumer by law and my information is being misused and as a result I have faulty not 100 % error-free accounts on my credit report. Unapproved use of my credit report.
Consumer complaint received 2022-06-22
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. (NY)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 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 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; SOC SEC ADMIN OFFICE O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I have not had a proper investigation. I want a fair accurate report. my name is XXXX XXXX and I pulled my credit report back in XXXX last year. I been fighting with the creditors and credit bureaus for going on 6 months. I still have inquires That I didn't make, and accounts that'd reporting inaccurate information. 

I did not make these inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I NEVER MADE ANY OF THESE INQUIRYS. 


Second there have been accounts that was deleted that was put back on my report without notifying me. That's unethical and its violating the law per fcra. 
XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Third there are accounts on my report that has not been properly verified. 
I received no proof.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I applied for an extension of credit with BANK OF AMERICA. On XX/XX/2022, I received an adverse action letter stating they were unable to approve my request. BANK OF AMERICA based its denial on economic loss and trends and third-party credit agencies. BANK OF AMERICA is in direct violation of 15 U.S Code 1602 ( f ), 15 U.S Code 1602 ( p ), and 15 U.S Code 1691 ( a ) ( 3 ). 

I sent a letter on XX/XX/2022, stating my concerns to resolve the matter.
Consumer complaint received 2022-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (FL)

I received a letter from First National Collection Bureau , Inc. from XXXX XXXX NV on XX/XX/XXXX. I called them the same day and spoke to someone identifying himself as XXXX ( I didn't catch the last name ). He said the debt was from XXXX XXXX XXXX XXXX XXXX for a credit card from XXXX on a card issued from XXXX XXXX XXXX  XXXX  XXXX. I told XXXX I didn't know anything about this account. He said he was looking up the information and told me the card was for beauty and makeup. I explained I never had such a card. I check my credit reports from all three reporting agencies on a regular basis. There was no past due account in collections from XXXX XXXX or from XXXX XXXX XXXX. I contacted XXXX XXXX Bank and XXXX customer services for credit cards and spoke with XXXX who checked her records and stated they had no record of a card in my name. I asked if they had information on a credit card even if the card was closed. She indicated they would and there was no information for XXXX XXXX. 

Both XXXX XXXX XXXX XXXX XXXX and First National Collection Bureau , Inc. have had issues with false claims and attempts at collection in the past.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I booked 3 rooms for XXXX XXXX XXXX XXXX XXXX XXXX that is located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX for one night on XXXX  XX/XX/2022. 

I booked through booking.com with cancellation guaranteed refund if i wanted to cancel. 

I cancelled well before the cancelation period and the hotel still charged me. 

I requested a refund and called them for which they told me that they refunded me and it would take 7 - 15 business days for the refund. ( I even have email confirmation from them ) So i called Bank of America to dispute this transaction and they sent me a credit totaling {$430.00} which then they sent me mail saying they will take it back on XX/XX/2022 They never gave me a chance to show them proof or anything that clearly shows that i cancelled correctly and that the hotel even told me that they will refund me but never did.
Consumer complaint received 2022-06-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MD)

WELL EVERY THAT WAS SAID TO ME FROM TRUIST, SAID NOTHING ABOUT WHERE MY PRINCIPAL PAYMENT HAVE BEEN GOING FROM XXXX TO THE PRESENT. I HAVE A CAR SINCE XXXX, AND ON THE LOAN STATEMENTS SHOW ME THAT I HAVE PAID {$3000.00} IN PRINCIPAL PAYMENTS OF THE LOAN. I JUST WANT TO SEE DOCUMENTS SAYING WHERE THE PRINCIPAL IS GOING. YOU WERE REAL FAST ABOUT SENDING ME A MODIFICATION,2 WEEKS AFTER I CAME OUT OF MY FORBEARANCE, AND GAVE ME 2 WEEKS TO SIGN IT FOR 30 MORE YEARS. THAT WAS A RED FLAG, 30 YEARS AND FOR {$240000.00} WITH NO PRINCIPAL EVER BEING PAID. IF I HAD GOT A MODIFICATION OF {$160000.00} AND THE VA ASSISTANCE WITH THE 1 % REFINANCING OF THE LATE PAYMENTS, I WOULD HAVE SIGNED THOSE DOCUMENTS CASED CLOSED. BUT YOU WANTED TO GIVE ME A LOAN TOWARDS THE LATE PAYMENTS WITH ALL OF THESE LATES, TAXES, AND CORPORATION FEES, FOR A BUSINESS VENTURE. THAT IS FOR YOUR RICH CLIENTS BUYING AND SELLING PROPERTY. AND WHEN MY LOAN WAS IN THE CRACKS OF YOUR SCAM YEAR BACK OF THE XXXX XXXX PAID OUT, IT SHOULD HAVE BEEN A TRUST FUND FOR YOUR CLIENT 'S LOANS THAT WERE IN THE MIX OF YOUR WRONGDOING AT THE TIME.
Consumer complaint received 2020-11-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thunderbird Collection Specialists, Inc. (AZ)

On XX/XX/2020 I contacted Thunderbird Collections to negotiate a settlement and a delete request from the credit report. I explained in writing to XXXX XXXX that this debt is something I do not feel should be on my credit report as it is showing as an eviction amount. I purchased a mobile home and three months later the mobile home collapsed due to an undisclosed termite infestation. I was then evicted from the mobile park, and was given a bill to have the mobile home removed from the mobile park. I refused to pay the bill, as the cause of the house collapsing was due to the termite infestation. Approximately a year later, I had a debt on my credit report by this property company for an eviction amount. On XX/XX/2020 I offered to pay {$1600.00} to have this permanently removed from my credit report. 

On XX/XX/2020 XXXX from Thunderbird Collections, who I only recognized his voice based on our conversation the previous day, called my cell phone. XXXX did not announce who he was or identify himself at all or that he was calling on behalf of Thunderbird Collections. XXXX proceeded to speak aggressively, stated that he was not going to contact XXXX XXXX XXXX to negotiate the debt, but he threatened to put a judgement and garnish mine and my ex wife 's wages if I did not pay the full amount by the end of today. XXXX hung up the phone after I said that I would be contacting his manager, XXXX XXXX to discuss his inappropriate behavior. 

On XX/XX/2020 just after XXXX hung up on me, he contacted my ex wife 's place of employment and demanded to speak to her. The office staff notified him that she no longer works there, as he was being aggressive and threatening. XXXX did not identify himself and the office staff feared for my ex wife 's safety and did not give out any information or acknowledge that she works there.
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (GA)

After first notice on two of my credit report that I had pulled the year ending XXXX, XX/XX/XXXX, I did an online dispute, with ( XXXX ) ( XX/XX/XXXX ) debt was not mine, never live at the *address, or did not have such an *account that I am aware of. I no longer have the completed on the first dispute but came back saying the debt was *verified that's all. I did another dispute with ( XXXX most recently ) in XXXX ) Just recently after the reinvestigation dispute came back again with results saying verified and account updated, ( I notice *reporting dates are changing for some reason from initial reporting done in XX/XX/XXXX ) I have decided to address the collection company with a *Certified letter, sent on XX/XX/XXXX, for *action to delete/remove that information from my credit profile, I never lived at that address that I see connect to that account, and not aware of any such account exist. Show me proof of validation, history, and that they may be in violation of regulation *1006.30 Other prohibited practices ; I never receive any *information/communication ever from the collectors in regard to a notice implying this debt but they reported to the credit bureaus anyway. apparently on or about XXXX XXXX of XXXX.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Made several attempts to request feedback regarding complaint filed with information on credit report. Company failed to verify, comply and respond according to FCRA Guidelines.