davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

on or around XXXX there was a late payment posted to my account from Capital One XXXX XXXX XXXX  Even though I had made several payments before the due date. that they refused to credit towards my next due date. that is very deceiving to not post the payment to the next billing cycle. as I thought it would. 
In accordance with the fair credit Reporting act XXXX XXXX violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-13
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. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-15
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. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VIRTUOSO SOURCING GROUP, LLC. (CA)

XXXXXXXX XXXX XXXX XXXX XXXX  has kept calling my husband 's mobile phone ( XXXX ) asking for me but never stating their purpose, XXXX, but never on my mobile phone of : XXXX in order to state the nature of the call. To my knowledge, they had both of our phone numbers and had automatic payment setup but instead now they have forwarded us to a collections agent! This is not the customer service that my XXXX  XXXX provided when he XXXXXXXX XXXX  XXXX as a XXXXXXXX XXXX- this is extortion.
Consumer complaint received 2022-09-22
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. (NE)

Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) -- I also have Backgrounds issues due to this mix-up. 


Public record information inaccurate ( bankruptcy, judgment, liens, criminal record ) It was brought to my attention that when applying for a job and offered the position I was later denied the position due to inaccurate felonies on my background report that was done to obtain the position. I also was informed that XXXX and Experian have me in collection due to an account from 2015 with cox which I never authorized at all It was someone who had stolen my identity he used my social to open that account in 2015. 7 years later when applying for a job I was notified of the felonies and of the identity theft that occurred in 2015 making 2022 when my statute of limitations starts for legal action. I have disputed with the credit bureaus numerous times I sent disputes proof of who I am still nothing deleted just keep verifying the debt to belong to me which violates my FCRA rights. I sent a lease, social security, bill statements, Incarceration Proof, Police reports, and audio & video disputes. also certified ups mail proof from the post office with copies of what I sent when I sent it. XXXX XXXX has also publicly reported the theft all over my XXXX XXXX reports Violating my FCRA rights as well I also disputed with them and still have received anything back from lexis nexus after disputing with them. The person whole stole my identity is all over a lot of my reports the bureau arent listening and need to be held accountable asap.
Consumer complaint received 2022-09-22
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

Fay Servicing has charged me late fees for my payments from XXXX of 2022 through XXXX of 2022. 
1. Fay states cashing my cheque that was mailed on XX/XX/XXXX on XX/XX/XXXX. My bank shows the cheque was cashed on XX/XX/XXXX. 
2. Fay states cashing my cheque that was mailed on XX/XX/XXXX on XX/XX/XXXX. My bank shows my cheque was cashed on XX/XX/XXXX. 
3. Fay states cashing my cheque that was mailed on XX/XX/XXXX on XX/XX/XXXX. My bank shows my cheque was cashed on XX/XX/XXXX. 
4. Fay states receiving my ACH payment for XXXX on XX/XX/2022. My bank shows my ACH payment was taken from my account on XX/XX/XXXX. 

Fay needs to look at when my payments were dropped in the mail, which is stamped on the envelope, and correct the dates that my payments are being applied. 

I shohuld not be charged late fees for payments that arrived on time or for payments that I mailed in a timely manner. 

I have attached my bank account statements for these 4 months.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am trying to get the credit freeze off of my credit file for all 3 Bureaus with little to no success. I am looking for a new apartment yet the complex can not get in my files. I have never had any type of security PIN yet they keep asking me for one. I respectfully request any and all fraud alerts or freezes be removed from my file at once.
Consumer complaint received 2023-08-15
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX 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 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (NJ)

I made a personal endorsement to pay the loan. This is unrelated to any business loan. This is affecting my personal credit, hence unrelated to the business loan. This is fully under the auspices and jurisdiction of the CFPB as this affects my personal and family objectives. 

Unfortunately, I XXXX XXXX XXXX  I subsequently lost my job, my wife also was XXXX. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OR)

I went to my local Wells Fargo bank to make an ATM deposit on a Sunday, there was a gentleman in a truck that was running not doing anything in the parking lot so I waited a few minutes. He didnt leave so I went ahead and went to the ATM with my money to make the deposit And the machine said it was not accepting deposits that day I tried to do the transaction twice and then the ATM spit my card out I took my card and went back to my XXXX. When I left I went through the drive-through area turned onto the highway and noticed that the truck was still sitting there with the gentleman in it. The next day was a holiday Monday but I wanted to check my balance since I was unable to make the deposit and I was expecting a withdrawal for a trailer payment. When I logged into my bank account I saw that I had {$800.00} withdrawn which is the maximum amount from my checking account. I never made a withdrawal I went there to deposit {$1600.00} that was from the sale of a XXXX that I had received and still only had the {$1600.00} when I left because it would not take my deposit. Thats when I started thinking that that gentleman that was in the truck must have had a scammer on the ATM. I called my bank reported what had happened I also called our local sheriffs department and made a report. I received notice just yesterday stating that they found that the transaction was either made by me or that I authorize someone else to take that money out which is a lie. So they are going to reverse the temporary credit that they put on my account in 10 days which I do not have. What is my next step for recovering my money? Ive been with the same bank for close to 30 years.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I have never filed a XXXX XXXX bankruptcy I disputed this with with all 3 credit agencies and no one has responded I also sent off letters this is my 3rd time trying to resolve this matter
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TransferWise Ltd (CA)

I encountered the account XXXX XXXX on XXXX, where " XXXX '' sells designer bags that are difficult to get. So I sent her a message and she said a bag that I wanted was available. First she offered that I pay with credit card, so I went ahead and purchased through the " XXXX '' 's transaction service. After a while, she told me that the transaction had an issue because the amount was too big and that she has to give me a refund. The refund also took me a very long time, so I decided to call the XXXX  service and they were able to figure this out for me. After, she asked to pay through bank wire transfer. I believed her since she built her credibility through offering to pay with credit card and she offered to show her passport as well. I went through with bank transfer, then she disappeared. 

The information I have is this bank information of Wise, and that they live in XXXX ( state of XXXX ). Her email is XXXX XXXX
Consumer complaint received 2024-08-23
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. (IL)

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX presumed that no proof of the alleged debt. Nor theredore any such debt in fact therfore exisits. ( please remove these accounts before i seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX {$3700.00}, XXXX XXXX {$2500.00}, XXXX XXXX XXXX bal. {$2100.00}, XXXX XXXX XXXX bal. {$1100.00}, XXXX XXXX XXXXXXXX XXXX {$320.00}.
Consumer complaint received 2023-08-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently checked my credit report and noticed some inquiries I did NOT approved nor know how they got there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER XXXX XXXX XXXX XXXX BK OF AMER XX/XX/2022 by XXXX I also contacted right away the credit bureas and also the banks and they could not find anything so obviously it is a wrong reporting that is affecting my credit worthiness as I am getting ready to purchase a house. 
I need this error to be removed immediately. 
Thank you
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX issued credit in the amount of XXXX apparently using my identity in XXXX. In 2020 XXXX then charged off the entire amount for no payment and then reported it against me on my credit report lowering my credit score from XXXX to XXXX which is the only way I became aware of this fraud. I touched base with trans union to report this fraud to do an investigation. Let me be clear, I have never done business with XXXX and never been in the military which is apparently a requirement to do business with XXXX
Consumer complaint received 2023-02-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I obtained an auto loan through BOA, which was abruptly closed without prior notification in XX/XX/2022. My last payment was made in XX/XX/2022 as scheduled. I have never missed or had a late payment prior to that, and always in great standing with the same business ( bank ) for 18 years. I was not able to continue making payments due to the action taken by the bank closing the account without providing notice of any such action going to take place. They have my contact number, email, and most current address all on file including the newest address when I had moved. The bank then reported it as a delinquent account to all 3 credit bureaus, which has affected my excellent score and credit history. They changed status from closed to open, upon my first complaint made which is showing only on transunion as open and claiming late payments ( of an account which was previously closed by them ). I attempted to resolve the issue directly, and they are claiming such negative remarks wouldn't be removed and that it would remain for approx. 7 years, even if I pay the balance. This was/is an unfair practice on their part for taking such an action. The comments differ slightly in each bureau, but all have the same negative standing. Please obtain all records from BOA on this claim to show the timeline of the events.
Consumer complaint received 2022-06-07
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. (IL)

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


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

15 UL.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 2022-06-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

The debt in reference is incorrect. I received an email and letter stating the amount of this loan was reduced as XXXX XXXX XXXX  overcharged me for services and was refunding a credit to the account which has not applied as promised.
Consumer complaint received 2022-09-22
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-07
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/20XX/XX/XXXX
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (AZ)

All three credit bureaus have my student loans inaccurate on my report, a couple of reports dont have some but other reports have them, all credit bureaus should be all accurate with same accounts and all those accounts should be off my credit report
Consumer complaint received 2022-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX, has violated my rights. 
In accordance with the FCRA XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
In accordance with FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681Section 602A. 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 2022-06-07
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 a account without my written instructions
Consumer complaint received 2022-06-07
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: Experian Information Solutions Inc. (IL)

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


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

15 UL.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 2022-06-07
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX XXXX, and 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 a account without my written instructions 15 U.S.C 1681 a.1.a : States that any item that's being disputed must come off my credit report.
Consumer complaint received 2022-06-07
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)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.