davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
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. (MS)

THESE ACCOUNTS LISTED ARE FRAUDULENT THEY WAS OPEN USING MY INFORMATION WITH OUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-03-28
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)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Yes the Bank of America made a mistake on my bill on XX/XX/2019 they called it a accounting error. This is only after my complaint # XXXX was resolved. My problem is from XXXX through present I have been charged interest on the ERRORS AMOUNT! This has been a nightmare that reck my credit score only because of the bank not caring for people. I really hope they find how to deal with people that we don't have to put in complaints with you. There were countless times I tried to resolve this and here we are. Again the bill at BANK OF AMERICA AGAIST MY NAME IS FROM THIER ACCOUNT ERROR & INTREST THAT CAME FROM THAT ERROR. So if anything I hope they get the account corrected and resolve any damaged done from thier mistake!!!
Consumer complaint received 2020-09-17
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. (AL)

I have my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened so many accounts in my name. Let me know what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounst are causing me many hardships with obtaining anything that is credit related.
Consumer complaint received 2021-09-07
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. (NV)

Last year I discovered a false account with XXXX reporting on my files because of identity theft. I contacted the credit bureaus about this and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute an the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. XXXX and XXXX have removed and no longer are reporting. TransUnion is still reporting. There is no way I'm willing to pay a debt that is not mine.
Consumer complaint received 2021-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc. (NC)

On XXXX I had an XXXX at XXXX XXXX that cost around {$9700.00}. 
The balance of that was to be paid by insurance and the drug company where I would owe only about {$5.00}. After reviewing my statement about 3 months later, I noticed that the drug company portion had not been paid. I inquired at XXXX XXXX XXXX  to the newly hired person that admitted to me That the drug bills had not been filed since he was there. 
This caused a problem. XXXX XXXX sent a collections agency an amount I owed of XXXX. 
That amount was never billed to me or even appeared on any statement. Simply I did not know I owed It. I have had similar problems with them in the past. Someone from the government needs to get involved here as this is a system wide problem and there is no telling how many people are being affected by this. We need Help!!!!!
Consumer complaint received 2020-09-17
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-11-30
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: Atlanticus Services Corporation (IN)

In accordance with the fair credit reporting act XXXXFORTIVA, has violated my rights. 

15 USC Section 602 states that 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 under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-09-17
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. (AL)

I have my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened so many accounts in my name. Let me know what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounst are causing me many hardships with obtaining anything that is credit related.
Consumer complaint received 2020-07-03
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. (CA)

EXPERIAN AND XXXX  ARE REPORTING 2 PUBLIC RECORDS THAT ARE DISMISSED AND DO NOT BELONG TO ME. I CONTACTED THE BUREAU AND WAS TOLD THAT FURNISHER AKA US BKPT CT CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX HAS CONFIRMED AND ALIDATED THE ACCURACY OF THESE PUBLIC RECORDS ... THEN I CONTACTED COURTHOUSE WHO STATED IN WRINGING THAT THEY DO NOT REPROT OR VALIDATE AND DO NOT COMMUNICATE WITH CREDIT BUREAUS. THEN I CONTACTED BUREAUS AGAIN AND AFTER MULTIPLE CALLS AND A OVER 13 HOURS ON THE PHONE I WAS INFORMED THAT IT IS A XXXX XXXX WHO PROVIDES THIS INFO TO THE BUREAUS BUT IT IS NOWHERE ON THE REPORT AND NOWHERE ON THEIR SITE. HOW IS A REGULAR CONSUMER SUPPOSED TO KNOW THESE " SECRETS '' THIS IS VIOLATION OF MY CONSUMER RIGHTS ... I CONTACTED XXXX XXXX   WHO STATED IN WRITING THEY HAD NO PUBLIC RECOREDS REPORTING IN MY NAME. I RECEIVED A FULL REPORT AND UPLOADED A COPY WITH MY AGAIN NEW DISPUTE TO ALL BUREAUS. XXXX  COMPLIED WITH REGULATIONS AND DELETE THESE ERRONEOUS ACCOUNTS ACCORDINGLY. HOWEVER, EXPERIAN AND XXXX  STILL REPORTING .. I provided XXXX XXXX report stating in writing that I do NOT have public record in my name. I now filed CFPB complaint and will file with FTC and ATTORNEY GENERALS OFFICE ... DELETE IMMEDIATELY THIS IS VIOLATI
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY XXXX XXXX XXXX XXXX The dates were XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some  help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB : XX/XX/XXXX. I  had to move do to job loss and never had a bill update.
Consumer complaint received 2023-04-03
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. (KS)

On XX/XX/XXXX I received a call at around XXXX XXXX. from someone who said he was XXXX XXXX XXXX  XXXX XXXX in credit card services. I was with family so did not answer. A recording was left. He stated that if he could not get me on the phone he would put a " security hold '' on a XXXX credit card they had issued in my name and to call them right away. So on Monday XX/XX/XXXX I called XXXX  and talked to XXXX in their Fraud Dept. He asked me some questions and stated the person who applied for the XXXX credit card said she was a Nurse. I have never been nor am I now a Nurse. This person used my credentials except for the addres which they used at XXXX XXXX XXXX XXXX, PA... I told him this was a bogus address and I have never even visited Pennsylvania nor do I know anyone or have not ever lived at that address. He said he would take care of it and make sure and let the CRA '' s  ( experian, XXXX, XXXX ) know and make sure it comes off my reports. He did not. It is still showing as an address along with a XXXX Credit card for {$11000.00} on my credit report. This is wrong. I have informed Experian and sent a police report as I had the Officer listen to the recording. I have also filed a complaint with the FTC stating Identity Theft and will attach it to this info. XXXX XXXX XXXXXXXX still has not removed this " bogus '' information from my credit reports even though I have requested a letter promising they would. I have not received one. I have spent hours and hours on the phone trying to resolve this.
Consumer complaint received 2021-09-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (GA)

On XX/XX/21, I received an email from XXXX XXXX, representing TrueAccord, XXXX  XXXX  and XXXX XXXX XXXX  for a credit card debt. I immediately sent an email disputing the debt and demanding validation. I received a response on XXXXthat all collections would cease until I received the validation. On XX/XX/21 I received another email demanding resolution of debt prior to be turned over to a lawyer. I still do NOT have the validation and it is showing on my credit as an open collection vs. a disputed item. I want this removed from my credit report, the debt balance to be voided out and a letter proving this has been completed. If not, I will be seeking legal counsel to assist in filing a lawsuit for the violations of the FDCPA and FCRA for not providing proof of the debt, harassment, and attempts to collect such debt.
Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

I deposited a check for {$1400.00} by ATM in my Fifth Third checking account on XXXX XXXX, 2020. At the time of deposit, my account had a balance of $ XXXX. As is customary, {$100.00} was made available to me upon deposit but due to the overdraw, only {$91.00} was confirmed available based on the printer receipt I received. Later that evening, with verification that those funds were available, I made an ATM purchase for about {$20.00}. 

The next morning, I checked my balance and found that it was now - {$28.00} and the deposited check had not been posted to my account. I called the bank to see why the check had not been deposited and the {$20.00} withdrawal was showing as an overdraft when the bank receipt had shown {$91.00} available after the deposit. 

To my surprise, I was informed that the bank had placed a 10 day hold on the check and that 'it didn't realize ' the hold would be placed on the deposit so the info that was printed on the receipt was moot. The bank further explained that, although the check is clearly written to me from a major company ( AAA ), even after they verified the legitimacy of the check and availability of funds from AAA, they would not release the funds prior to 10 days, essentially they were free to arbitrarily hold available funds that a legitimate payer intends for me to receive for 10 days for no other reason than they can. 

I am deeply concerned about this policy not only because I need access to those funds to feed my family and pay bills amidst the pandemic, but because there have been several banks that have been sued under class actions for policies and practices in which they hold customer funds or delay debits as a means to negatively effect consumer accounts as a means to collect additional fees. This case sounds just like that in that the bank supervisor with whom I spoke confirmed that, irrespective of how quickly the check from AAA was verified, Fifth Third would not release the funds to me before 10 days. Again, this type of random application of policy that generally harms consumers and does little to protect banks from fraud seems particularly unfair and egregious during a pandemic when family 's like mine need access to the little money they have available to sustain essentials like food, heat, and internet access for virtual school.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

On XXXX I bought a refrigerator from Lowes using my Lowes C/C. The item was delivered about a week later with doors that were misaligned and 5 huge dents. The delivery folks took pictures and then refuse to take the damage refrigerator back. With in a hour I drove to the Lowes store in XXXX NC and spoke with the appliance manager. He told me since it was ordered on line that there was nothing that he could do and gave me a sticker with their distribution center. After 3 calls I finally was able to get a date to pick up the damaged refrigerator. when the folks came to pick up the unit I asked for paperwork to confirm that they have indeed taken the item. 
Synchrony Bank investigated it for some 60 days and said since I have the item I must pay for it. In XXXX I refiled my claim and again waited 60 days with no contact, no resolve and I am being charged interest and monthly for an item that was returned 5 months ago.
Consumer complaint received 2021-02-23
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. (IL)

I submitted a certified letter to all three credit bureaus requesting how they verified a public record. There response was this section includes a public record items obtained from local, state and federal courts through a third party vender, XXXX. 

I contact XXXX XXXX and they could not verify and removed the public record. 

XXXX XXXX submitted 3 disputes 3 times to the credit bureaus they never responded. 

I also contact the XXXX Tennessee Bankruptcy Court and received a letter from them that they also do not verify. 

so, how can the bureaus verify this information.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have contacted Capital One in regards to my quicksilver Mastercard where I make general purchases this company has used misleading tactics in an attempt to collect payment from the consumer when asked about when I make a payment will my utilization be updated and Im able to make purchases I was informed that I would not and my account had been closed. This company has continued to call me in regards to payment on the account but the finance charge on this account includes all charges. I have never received a disclosure of warning of account maybe closed but are still being charged interest fees and late payment fees on a closed account. 
I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by this company to neither XXXX XXXX XXXX, XXXX, XXXX ). 

Capital One did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Capital One is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.

I CEASE AND DESIST all communication with Capital One of all illegal activities, including reporting which constitutes collection activities. I also am exercising my rights to prevent the processing of my personal data by Capital One for the account ending in XXXX.
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have submitted a letter of dispute to TransUnion originally in XX/XX/2020 I received confirmation and results. I proceeded to dispute those results as the information listed on my account are still reported in error. I requested they check each item on my credit with the credit grantor that's reported the information. I also requested that any information that can not be verified be removed from my credit report. TransUnion failed to reply to my request but did however acknowledge that they had received my request on XX/XX/2020, and we have surpassed over 50 days. I was the victim of ID Theft and there was a police report filed regarding a house that was placed on my credit and that has since been removed. The was also an alert placed with all 3 credit bureaus regarding being a victim of ID Theft that recently expired so TransUnion was aware.
Consumer complaint received 2023-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (WA)

Hello, My wife and I made formal loan application with KeyBank via their loan application web portal for a new HELOC against our primary residence back on XX/XX/XXXX. We believe our borrowing profile was/is really strong ; both having 780+ mid credit scores, low CLTV, low DTI, steady income, and lots of reserves. 

Two weeks went by and a letter from KeyBank arrives requesting further documentation. By the following business day, I had all requested documentation fully submitted as directed via secure e-mail and a confirmation of receipt. Then another week goes by and one of their Loan Reps reaches out saying that they see my submission but some of the documentation did not come through ( not sure how that can be ), and asked for me to resubmit directly to him. I did as requested within 24hrs of receipt. 

After the above... nothing. No reply, no response, no credit decision of any type. I reached out one last time on XX/XX/XXXX requesting status via their webportal and direct with the Loan Rep, still nothing back. A blaintant violation of RESPA. Here we are almost 1yr later from our formal loan application and still NOTHING! 

It is silly to me that banks will get bailed out for their own mismanagment, but yet can not be held accountable for not abiding by the law. It makes us little guys wonder what's the point of having " laws ''.
Consumer complaint received 2020-09-17
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. (NY)

The complaint is about Experian, the national credit reporting agency. 

My complaint is about inaccurate and unverified information being reported on my credit report. The problem I am having is that Im explaining to Experian that 2 accounts listed on my report are not mine and I want them deleted. 

I wrote a dispute letter. Experian responded with a letter simply stating that the accounts are verified. I sent another letter asking Experian how they verified that the accounts. They sent me a generic response. They havent provided any proof of an actual investigation. They havent provided any proof that these accounts belong to me. Like XXXX did, I want Experian to delete these accounts for my file. 

Facts Are as follows : XXXX. ) Dispute letter sent to Experian disputing 2 accounts. Included with dispute letter is a copy of my XXXX report. XXXX recently deleted these 2 unverified accounts. XXXX recent deletion of the accounts is proof that accounts are invalid. They never belonged to me. 

2. ) I receive a letter from Experian stating that results of dispute are that the accounts have been verified. Experians letter provides NO PROOF that the accounts were actually verified or even investigated. 

3. ) I send Experien a letter asking them to disclose how they verified the accounts. I never had an account wit XXXX XXXX or XXXX XXXX so I asked for the documentation that was provided to Experian which proves the accounts belong to me. In other words, I sent a method of verification request. 

4. ) In response to my method of verification request, I received a post card from Experian on XX/XX/2020 simply stating the information is verified. However, they still have not provided any evidence of an investigation or proof that these accounts belong to me. 

5. ) XX/XX/2020 am forwarding my complaint through CFPB.