davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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. (CA)

On XX/XX/XXXX I called TransUnion in regards to fraudulent inquiries that I noticed on my credit report. I followed up by giving them a phone call and the customer service representative quickly dismissed the issue and said to include an FTC report so I ended the call.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Complaint Details I used XXXX Saturday XX/XX/2022 to transfer money ( {$1000.00} ) from my personal account at XXXX XXXX  ( my place of employment ) to another personal account at Bank of America. The money left XXXX XXXX  made it to Bank of America, and reflected in my account within seconds. Later that day, I checked my account and the money was gone. I immediately reached out to Bank 0f America to inquire about the funds and was told they do not have the money and that XXXX has it and I need to talk to XXXX. I spoke to XXXX and was told to reach out to my banks, they only service the transport of funds and do not hold them. I called XXXX, which is my place of employment and they provided proof showing the money transfer was completed and delivered. I was told by Bank of America I called Bank of America back, spoke to XXXX and got a different story. I was told the money is being held due to fraud ( Not sure why ). I was also told on Saturday XX/XX/XXXX, XXXX will take 5 business days for my money to post to my account. I told them I can provide proof of who I am. I just need my money. I called everyday the week of the XXXX  and still they are holding my funds. After visiting the banking center trying to get my funds deposited into my account I chatted with a representative from Bank of America who said the money will be deposited midnight XX/XX/XXXX. Today is XX/XX/XXXX, still no deposit. I am begging you to please help ke. I am a widow and only work 20 hours a week to survive in addition to my social security income. {$1000.00} is a lot and I need my money to pay my bills. Please help me. I would truly appreciate it. Thank you in advance. XXXX XXXX XXXX.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi. I submitted a complaint awhile back and used a different email. I am unable to access my account to review the status of my complaint # XXXX. 

I am requesting results be emailed to my new email at XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On or around XX/XX/2020 I received my paid in full letter after paying off accounts. XXXX XXXX  and XXXX XXXX  XXXX. However, upon notifying creditor Experian, they did not update the amount paid for XXXX XXXX  nor did they report XXXX balance. Leaving my credit to ratio debt at 165 % usage.
Consumer complaint received 2020-09-15
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: AFNI INC. (IL)

I was checking my credit report in XX/XX/2020 due to an alert from XXXX  about an updated account on my credit report. When I logged in to identify the account, I noticed 3 collections on my 3 credit reports that I did not authorize.
Consumer complaint received 2022-08-20
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. (TX)

In XXXX of 2021 I went to dealer to look at vehicle. The dealer advised me My credit would be ran with XXXX XXXX, the dealer ran my credit without authorization through multiple banks resulting in hard inquiry, the initial vehicle I had applied for was sold, the dealer called me to come back once they had a vehicle in stock that was sufficient to preference, XXXX again I was told we would continue with XXXX, but it was ran through multiple banks, This is a list of the inquires 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
Consumer complaint received 2024-12-02
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. (NC)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (IL)

In XXXX of 2019 XXXX XXXX XXXX  XXXX placed a collection of {$85.00} on my account, that is now owned by OAC and being reported negatively on my consumer report. I was living in XXXX, CA at this time and nowhere near XXXX. which this medical bill is for. I have always received my care at XXXX facilities. I have no knowledge of this account and no way of verifying.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

i got a notice that a Inquiry inquiry came up on my credit report from itc .Im assuming its some type of collection system but they have it where my address is somewhere in Texas and when I disputed it with Equifax they said that it was accurate I have never ever lived in Texas so I want it off my record because that is fraud
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Wilber and Associates, P.C. (SC)

My son was in an automobile accident in GA with my car, both were insured by XXXX XXXX. Both cars were total losses, and mercifully there were no reported injuries. My son 's passenger worked for XXXX at the time, and my son offered to our insurance adjustor that he had volunteered to bring her to a grocery store. XXXX XXXX denied our claim, stating that my policy did not provide such coverage, and their payout was XXXX. We had to incur stiff towing and storage fees, that were also not covered, we also have not been able to replace our car. 
XXXX, the other driver 's insurance company, has hired Wilber Associates to collect $ XXXX in subrogation costs that they paid out to her for her vehicle loss. 
Because XXXX XXXX denied our claim, we are being harassed by Wilber Associates who is claiming to be a law firm, and is in fact a debt collection agency. They have called us no less than 9 times, emailed us, and sent 2 sets of demanding letters in 3 weeks. They have threatened to have our licenses suspended by the state of South Carolina if this debt is not paid in a timely manner. Never did they mention, or does it state on their demand letters, that this claim could be disputed. With each call they ask if we are able to pay this large sum. 
Although it is a hardship, we have spoken with a lawyer in order to dispute and potentially have this claim dismissed. We are not seeking litigation, and we do feel we are not being treated fairly or decently by Wilber Assoc. This has also negatively impacted my son 's condition of acute anxiety for which he is being treated. Our stress level is quite high at the prospect of a possible judgement against us, and having our licenses suspended. 
We do not have the funds to pay this debt that we feel is not ours, and really do not have extra revenue for retaining legal counsel at this time. 
Thank you for your time and the opportunity to state our case.
Consumer complaint received 2020-05-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NV)

Hello, I spoke to my loan Servicer, CMC Funding ( Specialized Loan Servicing ) yesterday XX/XX/2020 regarding forbearance on my mortgage. 
I was laid off from a XXXX XXXX due to COVID19. I researched my loan and it is a XXXX XXXX loan. 
My servicer is insisting that at the end of the forbearance period all missed payments will be due and need to be paid ALL AT ONCE IN A LUMP SUM. ( Theyve been telling me this for the last month and I wanted to know if they were aware of what was announced this past week regarding XXXX XXXX ) They did mention 30 days prior to end of forbearance period they will reach out and discuss options after the forbearance period. However, it can not be determined at this time what those options will be. Nor can they guarantee another option will be available so basically be prepared to have to pay the full amount of missed payments. 
I shared with the representative what I read about XXXX XXXX and the Cares Act. He was not familiar with any recent special instructions regarding XXXX XXXX loans and Even said he would check out the XXXX XXXX website after we spoke. 

A friend of mine has a XXXX XXXX loan with XXXX XXXX. They granted her a forbearance and immediately disclosed at the end of the forbearance her payments will automatically be deferred to the end of the 30 yr loan. 

I wish I could know the plan now as well, before using the forbearance. I have good credit and I do not want to tarnish it, having to come up with all three months at once stresses me out. I am trying to be proactive and make what savings I have last until my work in the XXXX resumes. 

I wanted to inform you this servicer May not know all the details regarding XXXX XXXX loans and hopefully you can reach out to them and make some clarification for them. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (TX)

I am requesting verification validation of debt per my right under the FDCPA section 809 A and B. I have contacted this company before and they can not provide proof this is my debt. This is currently being reported on my credit report and its not mine. If these documents can not be provided within 30 business days, then this account needs to be removed from all 3 CBR 's. I will contact an attorney if needed to protect my rights as I am aware of the actual and statutory damages for each violation.
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Respected Officials, I made a stop payment on 2 cheques received by postal mail from XXXX. Those cheques were sent by me from my account in wellsfargo. 

Date when cheques returned XXXX XXXX. 

Date when stop payment was made XXXX XXXX. 

Date when payments was rescheduled XX/XX/21 XXXX XXXX XXXX {$80.00} XX/XX/21 XXXX EditDelete XX/XX/21 XXXX XXXX XXXX {$50.00} XX/XX/21 XXXX EditDelete Normally wellsfargo provides credit to stop payment requests within one day. 

However, in this instance, on the basis that they have been crediting the account within a day, I had rescheduled bill payment to XXXX to return those cheques. 

However, wellsfargo chose to send bill payments but didnt credit the stop payment request I made. This resulted in overdraw on my account.
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (IN)

I have tried to get a pre approval for a mortgage about 2 years ago and they are unable to pull my equifax credit score, but they were able to pull both XXXX and XXXX. 

same thing happened when i tried to open a banking account with XXXX. 

last year when i was trying to get a car it happened again. they could not pull my equifax credit score. I also can't view it on any credit checking sites. it just says NA I called equifax several times and they stated there is no freeze on my account and everything should be fine. i spoke to multiple people and 2 years later im still in the same predicament
Consumer complaint received 2021-07-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Equifax are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I did not authorize the following companies to do inquiries : 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 XXXXXXXX XXXX I have no knowledge of these inquiries. These inquiries were done without my knowledge. This if fraud
Consumer complaint received 2021-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I have no idea where to start with this complaint. First off I should not be having to spend my time writing this complaint after I have already filed two disputes. The one was back in XXXX of XXXX the second was in XXXX now we are almost into XX/XX/XXXX and I havent received anything. WHY? What do I have to do to get my them to do their jobs? I have to waste my time filing disputes after disputes and now a complaints.
Consumer complaint received 2022-08-20
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Consumer complaint received 2024-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC (TX)

This company calls all times of the day and night, from different numbers with threats of credit damages, or sometimes they will just hold the phone and not say anything, i have disputed this several times, and according to the Law they are not allowed to harass a consumer..
Consumer complaint received 2022-08-20
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)

Original creditor-XXXX XXXX Account XXXX XXXX Current Collector- XXXX  15 U.S.C.1681 section 602A states I have the right to privacy. In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

604A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Due to the corona virus i am now able to pay XXXX mortgage today is XX/XX/2020. 
My interest rate is almost 8 % 7.92 % I am definitely a mortgage prisioner I do believe if i could get some HELP with very high rate that i would be able to not struggle so muchand could easier be able to get back on track. 
My home was once inforclousure. And it was extremely stress fut at that time i was abe to do the loam modifications BUT. XXXX XXXX   company did not give any help with the high rate. 
This was my mother 's home he passed away in XXXXi have been struggling ever since. 
Please I could obtain some assistance with this rate.i am XXXXyears old and recently had XXXX XXXX XXXX XX/XX/2020 an am currently undergoing XXXX therapy. 
I was not able to work due to the XXXX and now with the corona virus i again missed some work ue to my XXXX XXXX XXXX
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2020-05-02
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: Experian Information Solutions Inc. (MO)

My identity has been compromised and I've reported this, however the 3 major credit reporting agencies has not responded accordingly. I've demanded that the following unauthorized accounts be blocked and removed from my credit file, or the 3 agencies shall provide me with the Method of Verification along with certified physical documentation relating to these accounts. In accordance with the laws of the FCRA these accounts shall be removed. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX {$21000.00} 3 ) XXXX XXXX XXXX XXXX {$7500.00} 4 ) XXXX XXXX XXXX {$6000.00} 5 ) XXXX XXXX XXXX XXXX {$3500.00} 6 ) XXXX   {$1100.00} 7 ) XXXX XXXX XXXX {$240.00} 8 ) XXXX XXXX XXXX XXXX {$470.00}
Consumer complaint received 2024-08-13
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. (OH)

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible 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 XXXX XXXX XXXX XXXX