davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was threatened by a scammer who impersonate themselves as police and investigator. They threatened my bank account is being used for this highly vicious scam work and looking to arrest me for a fraud activity. They said they need me to proove that Im not associated with this. They threatened me to cooperate and went through all this interviews, they assigned a lawyer for me, they started three people call to investigate whether Im involved or not. After that, they said Im clear and need my cooperation. They went though all action items I must take and one of them was to put/wire my money to safe place. However, this police activity is being investigated under high confidential unit, I can not reveal this situation to anyone even with my family and they advice me to transfer money to an account information they shared which belongs to governement ( hence safe ). I went to Bank of America and followed their instruction and sent them.

I realized it was all scam after 3 hours or so and called Bank of America. Ive filled out and signed both document they provided to proceed the fraud claim. I also went to police next day to file the case. They said investigation will take about 70days and came back they couldnt resolve it. Im also attaching document I signed for Bank of America ( scame victim acknowledgement, fraud statement of claimant, and supporting material during I was on a call with scammer to visually present how they appeared on my phone and what kinds of documentation they sent me. 

Bank of America Case Number : Fraud claims XXXX Scammed on XX/XX/2021 Filled XX/XX/2021 Investigated started : XX/XX/2021 Total amount of money scammed : {$26000.00} 1. Scam Victim Acknowledgement Signed 2. Fraud Statement of Claimant Filled out Signed Also includes : Detailed explanation of circumstance & Police Report & Receipt of wire transfer 3. Supporting Materials for claim Additional supporting material to backup my circumstance.
Consumer complaint received 2022-05-26
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. (TX)

In accordance with the Fair Credit Reporting Act. XXXX Accounts below 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- Consumer Report Agency can not furnish an account without my written instructions. I have sent several request to remove inaccurate information and these account. Letters and documentation such as FTC was sent on XXXX, XXXX, XXXX, XXXX, XXXX,. Accounts below : 1. XXXX XXXX - Account # XXXX, and Account # XXXX 2. XXXX XXXX XXXX ( original creditor : XXXX ) - Account # XXXX 3. XXXX XXXX - Account # XXXX 4. XXXX - Account # XXXX 5. XXXX XXXX XXXX - Account # XXXX XXXX. XXXX XXXX  - Account # XXXX 7. XXXX XXXX XXXX XXXX Account # XXXX 8. XXXX XXXX Account # XXXX 9. XXXX XXXX XXXX - Account # XXXX, Account # XXXX
Consumer complaint received 2023-05-13
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: CORELOGIC INC (TX)

My rights as a consumer have been violated by consumer reporting agencies .. ACCOUNT NAME : Louisiana child support / XXXX  XXXX XXXX Louisiana has been posted on my account and is preventing me from enjoying the quality of life.. XXXX and Core logic has violated my rights 15 USC 1681-4 : There is a need to ensure that consumer reporting agencys exercise, their grave responsibilities with fairness impartiality in a respect for the consumer rights to privacy 15 USC 1681 section 602 a : States that I have a right to privacy 15 USC 1681 section 602 A : It also states, a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C ( a ) ( 5 ) : States that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes, which antedates, the report by more than seven years.

15 USC 1681, S-2 ( a ) ( 1 ) : 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
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-01-04
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. (FL)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (TX)

FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to request the suppression of these items from my credit report, which are the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which is reported erroneously. I am in desperate need of these items to be INSPECTED and removed. 

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
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (MD)

I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked to be removed.
Consumer complaint received 2022-05-26
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: WELLS FARGO & COMPANY (MI)

Someone opened a fraudulent credit card in my name with out my authorization. I have contacted the merchant several times and finally got it closed but it is still reporting as closed on my credit report. This is not my account and should not be on my credit report.
Consumer complaint received 2022-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request for Investigation of Unauthorized Credit Inquiry Dear to whom this may concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized credit inquiry had been made. I am not aware of the inquiry sources name nor who conducted the inquiry, and I am asking for them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note : This is on there twice with two different addresses. Was informed it was a soft inquiry not a hard inquiry conducted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Note : Was informed it was a soft inquiry not a hard inquiry conducted. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 



Thank you for your assistance in this matter, XXXX XXXX
Consumer complaint received 2022-10-08
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. (CA)

The following accounts have been opened fraudulently without my consent. According to the fair credit reporting act section 109 these accounts must be removed or I will pursue legal action. The first fradulent account opened was XXXX XXXX XXXX and it is dated opened XX/XX/XXXX and the total charges are {$430.00}. The second fraudulent account is XXXX AND ASSOCIATES that is dated opened on XX/XX/XXXX and the total fraudulent charged are {$770.00}. I demand these accounts be removed immediately.
Consumer complaint received 2022-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

I am XXXX XXXX and I am submitting this complaint against CAIN & WEINER AND XXXX. 

CAIN & WEINER AND XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). 

All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to CAIN & WEINER AND XXXX to FURNISH this account/item. 

The DATE OPENED is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND to delete this account/item within 4 business days CAIN & WEINER AND XXXX ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND CAIN & WEINER AND XXXX to delete this account/item within 4 business days ( Exhibits provided ) CAIN & WEINER AND XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Consumer complaint received 2022-06-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am XXXX  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.
Consumer complaint received 2022-06-17
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: EQUIFAX, INC. (IL)

Hi I am submitting this 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 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Consumer complaint received 2024-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

OF FRAUD. INQUIRES BELOW ARE UNAUTHORIZED ACCOUNTS IN A DATA BREACH. PLEASE DELETE BLOCK REMOVE FROM MY CREDIT REPORT. I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 
XXXX ; XXXX ; TRANSUNION ; I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 

XXXX : TRANSUNION : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CLAIMS OF FRAUD. ACCOUNTS BELOW ARE UNAUTHORIZED ACCOUNTS IN A DATA BREACH. PLEASE DELETE BLOCK REMOVE FROM MY CREDIT REPORT. I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 
XXXX ; XXXX ; TRANSUNION ; I CONTACTED CREDITOR TO DELETE REMOVE BLOCK FRAUD ACCOUNTS AND NO RESPONSE.REMEDY PLEASE DELETE REMOVE FROM MY CREDIT REPORT. 

ACCOUNTS : Account Name Account Number 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  THIS INFORMATION IS TRUE TO BEST OF KNOWLEDGE.
Consumer complaint received 2022-05-26
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. (SC)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and 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 15 U.S.C 1692C 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
Consumer complaint received 2022-04-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: LDF Holdings, LLC (LA)

XXXX XXXX has called all of my family members and divulged to them that I am in some sort of legal trouble. They told my daughter who is away at school I was going to prison if I didn't call them. When I called them and asked them to provide written proof of the debt owed they refused to do so. I have never been notified of a judgement and now after calling my office numerous times and being told not too they are threatening garnishment of wages. They still call an office I am no longer working out of. Finally they are telling me it is for a payday loan called Bridge Lending. I only did business with them in 2018. First, my records show the loan was paid in full. Second, the state of LA has three year rule making this debt out dated and they need to stop harassing me and my family. These tactics are unacceptable, heavy handed and very stressful. The latest number they is a XXXX, but they also have called from XXXX, numerous 800 numbers, etc. You never talk to the same person and they are always rude and disrespectful and threatening.
Consumer complaint received 2022-05-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NM)

XX/XX/22 XXXX from Resurgent Capital Services stating I owed money from a credit card {$1300.00}. I replied in writing asking where this debt was from and why. 

XX/XX/22 XXXX from Resurgent Capital Services stating they had initiated a review and then they sent a account summary which provides verification of debt. I replied in writing that this was not my name and I had never lived in NY where this persons address is listed. 

XX/XX/22 XXXX from Resurgent Capital Services stating again that they were sending me verification of debt. Again incorrect name and address. On XX/XX/22 I sent a letter to Resurgent Capital Services stating this was the wrong name and wrong address and that I would file a complaint if they did not stop sending something for someone else. 

XX/XX/22 Letter from Resurgent Capital Services stating again that they were sending me verification of debt. Again the incorrect name and address. Letters mailed to Resurgent Capital Services stating that again this is not my name or address. Also complaint filed with CFPB and States Attorney Generals of SC and NM.
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I now have proof regarding my prior complaint against Capital One. I will attach it. 

It proves that they were refunded by the merchant in XX/XX/XXXX. Here it is nearly XX/XX/XXXX. That's the vast majority of a year later, but they still have not voluntarily refunded me. It is incredibly unbelievable and I wonder if they have also screwed me over in other ways which I have not caught. 

I have given Capital One XXXX XXXX more than ample time to resolve this but they just respond " Take it up with the merchant '' and wash their hands of it. In the mean time, they are reporting to all XXXX credit bureaus that I have exceeded my credit limit ( even though I truly have not ).