davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-31
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-31
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I sent Fair Collections & Outsourcing , Inc a letter asking them to validate this debt, and show original documentation that was signed by me. The information they responded with did not show any agreements that were signed by me to XXXX XXXX XXXX. I also couldn't get a clear answer on whom this debt would be owed. When I contacted XXXX XXXX XXXX directly, I was told they no longer had this debt in their files, and that the collection agency would own the debt. However, when speaking with Fair Collections & Outsourcing , Inc, I was told that they were only servicing the collection for XXXX XXXX XXXX. So there is no way for me to get any real clarity or understanding of where this originated.
Consumer complaint received 2022-11-20
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. (NV)

Me and my family no longer have our own home due to the constant credit issues. This account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account number is XXXX. I have sent disputes for investigation multiple times. But nothing has changed in regard of this account. I sent this account for investigation on XX/XX/XXXX through certified mail. It has been more than 30 days now, and my recent credit report ( XX/XX/XXXX ) still shows many inaccuracies and violations. A few being ; payment status says " paid " for XXXX but nothing for the other XXXX bureaus. I have proof showing that this was paid to be deleted even though it was wrongfully charged to me. I paid it just to get housing for my family in XXXX. I will attach the receipt and tracking number from the certified mail disputes. 

I'm requesting monetary relief per violation on this account and deletion. 
U.S. code 1681n ( a ) ( 1 ) ( A ) Tracking Number : XXXX XXXX XXXX XXXX XXXX ( TransUnion ) " " XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) " " XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (NC)

I have reported that this closed negative XXXX phone account was open fraudulent and ask for it to be removed during my further investigation of the company and addresses there was no valid address or phone to contact this company to submit my claims I dont understand why and how the bureaus are getting in contact with this company to support this fraudulent account on my report the address for this company is XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX I have submitted supporting documentation showing who I am and my address during the time this account was open
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XX/XX/2022, I have disputed a bankruptcy with XXXX XXXX reporting agencies XXXX, XXXX and TransUnion. They are reporting an inaccurate bankruptcy in my public records. So I did some investigating and contacted XXXX. XXXX sent me a letter stating the XXXX XXXXr reporting agencies reported the address XXXX XXXX XXXX, XXXX, NC XXXX back to XXXX when I disputed this bankruptcy. I ( HIGHLIGHTED ) the sentence of the ATTACHED document. THIS ADDRESS IS NOT ON MY CONSUMER CREDIT REPORT. I also called the three credit agencies and recorded the call. I asked the agents if this address was on my report and the agents said, NO. I REQUEST A REINVESTIGATION. Refer your investigation to the document XXXX sent me as evidence that the address is inaccurate and the bankruptcy must be removed. This clearly is a violation of the FCRA 15 U.S code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-01-15
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: Universal Recovery Corporation (CA)

On XX/XX/XXXX, I found XXXX false derogatory reports on my XXXX Credit Report. They were put on there on XX/XX/XXXX. for XXXX different reports of XXXX, XXXX and XXXX for monies owed to XXXX XXXX on XX/XX/XXXX, under a different last name then my legal name. 
I disputed the report w/ XXXX right away online and then called the reporting company-Universal Recovery  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Ph # ( XXXX ) XXXX. 
I spoke to XXXX XXXX. XXXX XXXX could not find the account under my legal name or under my XXXX membership #. 
I explained to XXXX XXXX-that this was not my debt and she somehow finally found the account. I explained that I never had a XXXX XXXX checking account and I never have been to XXXX XXXX. Also, she stated it was with a joint account and I have never met or known of the other person whom she gave the name of. 

My concerns with this is : 1. This company reported this debt on my XXXX credit report under a different name. I have had my present legal name since XXXX. Prior to that I had the name that this account is under ( which is a common name ). XXXX XXXX was very aware of that and made the statement. " So you never used this name before? '' The only way she would have known that was by an internet search or obtaining my credit report. 
2. She made me feel, I was not being truthful and it was my debt. 
3. XXXX XXXX informed me that she had the last XXXX digits of my SS # and my birthdate. 
If this other person went in to XXXX XXXX and wrote 3 bad checks-they would not have given that information-I feel again this was found by this company with an internet search. 
4. This company found w/ an internet search and/or my credit report-a few vague similarities with myself and the actual person who wrote these checks and put this on my credit report. 
5. I have worked hard and diligently to have a good credit rating and it dropped it 100 points w/ XXXX . 

I sent an Affidavit of Forgery per XXXX XXXXXXXX 's direction via email to their company. My feeling is that the person who wrote those bad checks actually had that name and this company in their desperate need to get money put this on my account erroneously.
Consumer complaint received 2021-11-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selip & Stylianou, LLP (NY)

On XX/XX/XXXX, I received a letter from a supposed law firm called Selip & Stylianou stating that they have a judgement against me for XXXX Plus, which they won in court for XXXXXXXX XXXX. ( I owe no one ). With that being said. I immediately call them because I never heard of nor have I had any communication with this company. I was then sent to their website where they claimed all communication between them and me were listed and documented. Upon opening these, and reading it I realized that they were being fraudulent. 1 : The address they had was an old address of mine from 12 years ago. Made me questioned if this is a legit debt, theyd have my current address on any legal forms. 2 : the letters stated that I was served in person by someone named XXXX XXXX license number XXXX. On XX/XX/XXXX at XXXX at this old address. The letter was a sworn affidavits by this server who claim to serve me, myself in person, and that XXXX XXXX saw me and handed said documents to me. 
BUT, Thats impossible because I do not live there and have not lived there since XXXX. 3 : then there was the description of me. In this letter sworn by this person, I was approximately tall then short XXXX to XXXX ( youre either or, you can not be both. Nor can a person physically see you but gaged your height so drastically far apart. Does not make sense ), my age was unsure of and I supposedly have arm tattoos. Which I do not. I have no tattoos anywhere on my body. None! So, it is evidential that this company, if licensed, shameless practices fraud in order to get unsuspecting consumers to give them money. They lied about serving me, and then used fraudulent documents to obtain this judgement. This can not continue.
Consumer complaint received 2022-01-31
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/2020 there was a direct deposit funds transfered to a checking/savings account that was not mine in the amount of {$3000.00} bOFa sent me a new card but never refunded my money and i guess they denied my claim, also again on XX/XX/2020 another direct deposit funds transfer to another or same checking/savings account in which bOFA said they were removing that unknown linked account this time the amount was for {$160.00} and again on XX/XX/2020 in the amount of {$400.00} i filed claims for each of these transactions and bofa has said nothing in reguards and they have not refunded or giving me any updates
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on BANK OF AMERICA. Your remark says that this account falls under charge off, make sure to provide the reasons why there is a balance indicating on the statement. Per Fair Credit Billing Act, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 
BANK OF AMERICA ***** Opened Date XX/XX/2015 Balance {$2100.00} BK OF AMER ***** Opened Date XX/XX/2015 Balance {$2100.00}
Consumer complaint received 2023-01-24
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. (LA)

I recently wrote to XXXX XXXX XXXX via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXXXXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXXXXXX XXXX XXXX has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate and inconsistent. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that XXXX XXXX XXXX violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether the account is verified or not ; it has become a compliance issue ; which XXXX XXXX XXXX is seemingly willfully noncomplying. Furthermore, XXXX XXXXXXXX XXXX continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to XXXXXXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, XXXX XXXX XXXX  continues to falsely verify as accurate. This has to stop at once!
Consumer complaint received 2021-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Account was hacked with Bank of America. Fraud/Scam within the same hour of the same day. {$300.00} via XXXX XXXX and {$3000.00} via XXXX XXXX Bank of America. I called Bank of America when I realized what happened. I asked for the payments to be stopped and I reported the case. This was in XX/XX/2021 ( I think XX/XX/2021 ) Bank of America opened the case but never opened a new account for me or issued a new card. Nothing. Finally after calling every few days or sometimes days in a row and speaking with several different managers they say they will issue a provisionally credit on XX/XX/2021 in which they did not do and said that it was authorized from my phone. I expressed that my XXXX XXXX XXXX  can not operate a phone in that manner. I did not authorize. They then denied the claim on XX/XX/2021. I then resubmitted and have since had several calls from scammers saying they are Bank of America and XXXX and asking me to verify my information. The bank has not given me any of the funds back as they said they cant retrieve them. They said this was done from my device but there is no way. I have now reported this with XXXX in the event that my device had been hacked. 
I still have an open investigation with local authorities as well. 
Im out {$3300.00} that was in no way shape or form authorized and Im completely devastated that a bank does not have insurance to cover situation like this in order to return the funds to the rightful owner.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/XXXX, I attempted to apply for a CapitalOne checking account. I was prompted by the system that something went wrong. I was invited to apply again. After several unsuccessful attempts I finally called CapitalOne. 

I was told that I had actually been denied an account. There was no explanation as to why. I did not receive any communication from CapitalOne as to what consumer reports were used in the decision. I was told the decision was final and there was no further information available other than that I've been denied an account. 

I was also told that I am not entitled to know why I was denied an account, but without that information, how can I dispute any inaccurate or outdated information? I was told this stemmed from an account in XXXX. That seems outdated, but again, I was told I could not be furnished this information. 

I'd like my rights under the FCRA respected. 

I was not told what information was used against me in this decision. 
I was not told which consumer reports, if any, were used in this decision, meaning I can not request a free copy of any reports used. 
I was told I did not have a right to know what's in my file ( e.g., what information/accounts CapitalOne was referring to ), only that the decision was final. 
Again, I can not ask for a credit score, because I do not know what consumer reports were used.
Consumer complaint received 2021-09-23
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-01
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. (CA)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$1300.00}
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have been trying to request my credit report in different credit monitors such as XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and all 3 give me an error since they indicate that my SSN is incorrect, I have called the offices to correct this error, but I continue without obtaining results, they told me that it had already been resolved, which is a lie because I still can not obtain a credit report, the error is theirs since my SSN is correct.