davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion is in violation of the FCRA. I sent Transunion ( via certified mail ) multiple dispute requests dated XX/XX/22, XX/XX/22, and XX/XX/22. Each of those times Transunion said the results were verified or they modified the file as a result of the investigation. After 3 attempts of disputing and each time coming back verified, I exercised my rights under FCRA 611 ( a ) ( 7 ). I requested a method of verification along with a re-investigation. I stated that any automated response or e-Oscar verification was unacceptable. I listed the accounts in question and sent that request via certified mail on XX/XX/22. FCRA 611 ( a ) ( 7 ) provides A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Transunion did not comply with my request for method of verification. On XX/XX/22 I sent Transunion another letter via certified mail asking them to delete the accounts in question based on their lack of compliance with the method of verification. I asked them to do so within 15 days of receiving that letter. Transunion received that letter on XX/XX/22. As of XX/XX/22 those items remain.
Consumer complaint received 2024-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Google Compare Credit Cards Inc. (OK)

XX/XX/scrub>XXXX XXXX XXXX I was looking at new phones on Google store and when I'm at the check out section there was an option to pay in full or finance. 

I clicked on finance to see more information and was led to third party bank website by www.synchrony.com, on this website it asked me to enter the last 4 numbers of my social security and phone number, WHICH I DID NOT ENTERED AND LEFT! 

a few minutes later I got emails saying that there was a credit hard inquiry on my XXXX XXXX XXXX GOOGLE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is an unauthorized credit check! no where did I allowed this, no I did not give out my social security number! 
I have tried to call the number above but it tells me to get support from their online website and I tried but it went no where, it's not easy to reach the right person! 

I request GOOGLE XXXX XXXX XXXX XXXX to fix this by contacting all the credit agencies that they pulled my information from and request that the bureau remove it from my report.
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. (DC)

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

15 U.S.C 1681 section A section 2 ; It also states a consumer reporting agency can not furnish a account without my written instruction.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and On my credit report Equifax has XXXX XXXX as the original lender and XXXX XXXX XXXX hasXXXX  XXXXXXXX  XXXX XXXX XXXX as the original lender. 
XXXX XXXX XXXX as different dates for last activity on my credit report
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX 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 2024-08-30
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. (MO)

XX/XX/XXXX Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX, Dear Experian, I received your attached response to CFPB complaint number XXXX dated XX/XX/XXXX in which you refused to honor my request to block information appearing on my credit report maintained by you as the result of identity theft and fraud. 

Attached to CFPB complaint number XXXX was a copy of FTC Identity Theft Criminal Complaint Number XXXX as proof from the US Federal Trade Commission that the contested items appearing on my credit report were opened and are presently reporting in 'dispute ' status from the involved data furnishers as the result of identity theft and fraud. 

In your response, you gave reasons for the denial of the block in which you determined that either XXXX the request was made in error, XXXX the request was based on a material misrepresentation, or XXXX. That I received goods, services or monies as a result of the transactions I am seeking to block. 

Your letter fails to tell me the source of the information you relied on in making such a determination and fails to disclose the procedure by which you obtained information about FTC Identity Theft Criminal Complaint Number XXXX or its contents from that source. 

My rights found within the FCRA entitle me to a reinvestigation of all contested items from my credit report which I asked you to block for the reason of identity theft and fraud in CFPB complaint number XXXX, and further entitle me to a written response from you which verifies the source of information you relied on in either granting or denying my original request for the information block as well as the procedures you used in order to obtain that information. Specifically, FCRA 611 ( 15 U.S.C. 1681 ( 6 ) - ( 7 ) ) entitles me to disclosure of the business name and address of the source of this information as well as a detailed description of the procedure by which you obtained information about the aforementioned FTC Identity Theft Criminal Complaint from that source in the course of your reinvestigation. 

I therefore request, pursuant to FCRA 611 ( 15 U.S.C. 1681I ), that you commence a reinvestigation of the aforementioned items from my credit report maintained by you and that you provide me with the aforementioned written verification of your investigation procedure as well as verification of the source of information you relied on in your decision to grant or deny my block request. If you are unable to verify these items in your reinvestigation, then I request that the contested items be deleted from my credit report you maintain. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duvera Billing Services, LLC (MN)

During XXXX of XXXX, i was kicked out of an interest rebate program. XXXX XXXX XXXX is saying its lack of funds when it was declined due to entering the wrong zip code. as i intended to pay off the balance in full to receive the benefits within XXXX months of no interest payments, due to circumstances i received emails saying my paying account was denied thus kicking me out the program. when i verified the funds like they asked by sending bank statements they then tried saying the bank statements doesnt prove that it was my funds. the creditor then expressed how a three way call with my bank was needed to verify that it was my account. I tried setting up calls but one employee told me they dont schedule calls ( although today they were able to? dont understand why they couldnt with helping me with scheduling a call to verify the proof ive already sent. ) them kicking me out of the program instantly makes the company more money versus being willing to help. they claimed i havent reached out since the emails but lacked the brain power to understand ive called the call center several times to be placed on hold - getting a call back 3 hours later when my bank is closed for a 3 way call with them didnt help me out. this happened several times before ive given up and accepted the fact no one is willing to help. the balance has already been paid off in full and yet expecting another {$400.00} from interest due to theyre unwillingness to help my account. they didnt accept me back into the program after already verifying that i had sufficient funds like they requested.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a victim of identity theft and capital one is not responsive enough about it. I have proven that my information was taken with documents capital one already had and yet capital one wants to ruin the future of my family buy not removing this from my report
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. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX and XXXX XXXX XXXX Acct # XXXX, have 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX 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 XXXXtransunion has me at a score around XXXX. 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 XXXX 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 2022-06-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Regarding loan XXXX -May XXXX XXXX, I was told to give a LOE about a " late payment within XXXX XXXX '' shown on my credit report I responded saying I did not see such thing on all XXXX of my credit reports. I also sent the signed docs stating so as requested from my loan officers. 

-XXXX XXXX  I called BOA 's home loan servicing asking if a late payment was reported anywhere. The rep looked at my loan history, and confirmed none was found. 
XXXX XXXXXXXX, I received the loan history from BOA which I forwarded to my loan officers. 

-Still no update as to when my late payment was. XX/XX/XXXX, I spoke to XXXX from home loan servicing, and she said she can not put in a formal dispute without knowing a date. I alread kept asking repeatedly when was the late payment so I can relay the message to home loan servicing so they can investigate. 
I looked at my XXXX credit report, and found out that, in XX/XX/XXXX, the payment showed as " NA- not applicable payment history '', which was different that the other items. Therefore, I asked the rep to open a case for XX/XX/XXXX. The case number is XXXX -Still no update as to when my late payment was. On XX/XX/XXXX, I called home loan servicing and talked to XXXX XXXX who said BOA 's loan officers can contact them directly asking for more details. 
-Missed a call from XXXX XXXX XX/XX/XXXX. Received the letter from BOA about the XXXX - XX/XX/XXXX, my loan officer called saying my application got declined, stating that last Thursday XXXX she was told of when my late charge was. The entry was back in XX/XX/XXXX, where it showed " bad check reversal ''. This information is from the loan history that I received from BOA 's home loan servicing on XX/XX/XXXX. 
And this is the reason why the under writer declined my application. 

I called home loan servicing XXXX XXXX, XXXX, requesting more details on the date XX/XX/XXXX. 

On XXXX called XXXX, and left XXXX.
Consumer complaint received 2022-12-01
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. (DC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-22
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. (GA)

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account:XXXX XXXX XXXX Account:XXXX XXXX XXXX Account:XXXX  XXXX XXXX Account:XXXX XXXXXXXX Account:XXXX XXXX XXXX Account:XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX Division of child support Account : XXXX XXXX XXXX New York Docket # XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, ny, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-06-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ronald B. Rich & Associates, PLC (MI)

THE COMPANY RONALD B RICH AND ASSOCIATES DEBT COLLECTIONS PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15USC 3002 i AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial ProtectionXXXX, XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is athe Consumer Financial Protection Bureau. On XX/XX/1933. Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction, and whereas the existing emergency has disclosed that provisions of obligations which purported to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particcular kind of coin or currency, or in anmount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upond payment, dollar for dollar, in any coin or currency, or which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumers report '' means a consumer report or portion thereof in which information on a consumer 's charater, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, freinds or associates of the consumer reported, on or with others with whom he is acquainted or who may have knowlege concerning any items of information. Pease see attached documents.
Consumer complaint received 2022-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Please stop contacting me about the debt, I do not owe. For the following accounts : Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are sending me is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Consumer complaint received 2024-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/year> ( XXXXXXXX XXXX XXXXXXXX ) at the Citibank XXXX on address XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX Thru ATM, I requested the ATM to withdraw {$1400.00}. The ATM machine started rolling. I noticed there was some soda residue on the drawer of the ATM. As the machine was rolling it made some rolling noise in the drawer of the ATM and then the drawer opened about a quarter of inch and shut immediately without dispensing any money. The screen on the ATM machine showed an error message. My mother who was sitting in the passenger seat of car witnessed it. Immediately after the error started another transaction and requested {$100.00} withdrawal to ensure that the {$1400.00} didn't get stuck in the drawer. The {$100.00} transaction was successful and the drawer opened and dispensed only {$100.00} as requested in the second transaction. It never dispensed the {$1400.00}. So I held my car at the ATM and asked my mother to go in the branch and ask an associate to help while I waited at the ATM. My mother went in the branch but was told that the Citibank employees at the branch can not help us instead we must call customer service. So I had to move my car out of the ATM driXXXX thru as other people were waiting behind me. I went inside the Citibank brach and ask them to call the customer service for me. The customer service started a dispute. After couple months Citibank rejected my dispute- they said their system does not show any discrepancy and will not give me my {$1400.00} back. I asked them to provide me the details and camera footage but they did not provide. I have appealed twice since then but rejected again and again. It's been almost 8 months and I am asking for my hard earned money back. Please help me get my {$1400.00} back from Citibank. 

Thanks
Consumer complaint received 2022-12-01
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: Experian Information Solutions Inc. (GA)

Hard Inquiries: XXXX XXXX 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  
Reason:
Fraudulent credit applications filed by someone else
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, I am making a new claim because my accounts are all closed, that is fine, the problem is that they did not send me the total money that I had in my accounts. they sent me checks with minimum amounts it does not match what I have in the merril bank, and I called and went in person to a branch but they told me that the money was sent where it was taken out to send to merril, but I called the bank to investigate If you have received a deposit and the bank 's response is that the account is closed, and we do not have a deposit and also this account is no longer eligible to receive deposits since it is closed, please verify my account well, collect all my money and send a paper check to the address that appears in my bank profile, as soon as possible and waited too long I demand to receive the best attention to this case thank you very much