davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
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: Westlake Services, LLC (GA)

Several different companies have made inaccurate credit inquires upon my behalf ; There not recognizable by me at all. I know for a fact I did not complete them and would like them removed immediately. The inquires are as followsXXXX XXXX XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXX XXXX XXXX  ON XX/XX/2022, XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXX XXXX XXXX XXXX ON XX/XX/2022, XXXX XXXXXXXX XXXX XXXX XXXX  ON XX/XX/2022, AND LASTLY XXXX XXXX XXXX XXXX XXXX ON XX/XX/2022.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

When a creditor requests my credit report, Equifax places a comment on my file under Credit Score : Score Factors : that states there is a bankruptcy on my credit report. I filed for bankruptcy in XXXX and disagree with this still being reported on my credit report. This is creating problems, including higher interest rates on loans. While I could get a mortgage, this required additional documentation, including drafting a letter stating why I had not filed for bankruptcy. I contacted Equifax, who claimed it was not an issue because it is only a comment and not reflected elsewhere in the credit file and that after almost 25 years, I have not had enough credit activity to remove this comment from auto-generating. Equifax is the only credit reporting agency that still comments on the bankruptcy, and my score is, and has been, significantly lower than other credit agencies.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In XXXX, Bank of America unilaterally closed one of our bank accounts. The reason they provided was that they could not verify one of the names on the account. I don't believe that BoA actually attempted to verify my son 's identity. Based on that action, we closed all of our BoA accounts to include credit card accounts with the exception of one LLC account. My complaint is that BoA kept one of the credit cards active after we had requested that it be closed. In early XXXX, while collecting information for our tax returns, I discovered that this credit card account was still open and had accumulated charges, late fees and interest in the amount of {$170.00}. My issue is not the dollar amount but the fact that BoA filed a negative credit report with all of the credit reporting bureaus. When I discovered this I filed a dispute with BoA and BoA ruled in our favor erased all outstanding charges. However, BoA has refused to write to the credit bureaus to let them know that they filed the negative credit report in error. In the meantime, my excellent credit rating has been reduced to good which negatively impacts me. I am requesting that the CFPB direct BoA to take all actions necessary to repair my credit which has been harmed by their erroneous action.
Consumer complaint received 2023-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MA)

During Covid 19 - entered into a Forebearance as to unsure of income due to being laid off. As you know the options were to pay what you could or not at all. XX/XX/XXXX, I paid {$1000.00} towards our {$2100.00} mortgage payment. I will be honest, I was completely knowledgeable about this process. Once I began to receive additional income I made 6 months of payments in the amount of {$2500.00} to cover the {$1100.00} balance owed for XXXX. XXXX of XXXX, LoanCare advised us that our monthly payment would increase to {$2300.00} which we have made monthly. Never, never have we missed one monthly payment to Loancare. Loancare mismanaged our Forebearance. Have been in contact both via telephone and letters. Just received yet another letter, probably have received XXXX til now. In a convoluted letter they continue to say we have missed payment and each time we make one it goes to the " one we missed '' This is not our first Mortgage, however LoanCare is the only establishment that is harrassing us for no reason. They have ruined our XXXX XXXX as well, reporting a 90 days late. We are in the process of re-locating to NC for work reasons, and with everything they have done to us, we will be looked at negatively with our credit. Our current home will be sold, which I know will resolve the issue however they need to be held accountable and fix our credit. Please help us with this matter, it is a hugh stress that my Husband and myself are dealing with. 
We will be relocating out of MA due to Husband work and our home will go on the Market XX/XX/XXXX. The negative hits on our credit needs to be cleared up so that we do not have any trouble purchasing again.
Consumer complaint received 2023-03-30
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: BARCLAYS BANK DELAWARE (CA)

XXXX XXXX card - A convenience check was fraudulently used on my account on XX/XX/XXXX in the amount of {$1500.00}. Also on XX/XX/XXXX XXXX XXXX master card fraudulently charged on my account {$60.00} as a transfer fee. 

My account did not have a balance at the time of these fraudulent charges. On XX/XX/XXXX I was notified I had a payment past due on the account. Prior to these fraudulent charges my balance was XXXX {$0.00}. XXXX XXXX charged me a late fee for not making a payment on these fraudulent charges in the amount of {$29.00}. On XX/XX/XXXX they also put a minimum charge of XXXX on my account for nothing. I have not used this credit card. 

XXXX XXXX has credited back the {$1500.00} but refuses to credit the balance transfer fee of {$60.00} and the late payment fee of {$29.00}, both of which are due to the fraudulent charge of {$1500.00} as well as a charge for XXXX XXXX  ( XXXX ), listed as a minimum charge, I don't know what this minimum charge is for. I have not used this credit card wince XXXX XXXX XXXXXXXX. 

XXXX airlines calls me and harrasses me more than 5 times every single day to tell me that I am past due and I need to make a payment for these fraudulent charges. 

I want XXXX airlines to credit back all of the charges made on my account that are associated with these fraudulent charges as well as the XXXX XXXX  they charged on my card as a minimum charge. After they have done that I want this account closed.
Consumer complaint received 2023-03-04
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. (FL)

None of the descriptors you provided worked for this situation. 

We live in XXXX XXXX in the National disaster area. We were contacted by XXXXXXXX XXXX by Mail and offered help and support. I was curious as to what this was all about. I was told about different options Forbearance, deferred payments, combination of both and Home Equity loans. 
I said we really werent interested. The person I was talking said she would send us a form to fill out and sign if we were interested. When the form came through the mail, I tore it up and put it in the garbage. 
I didnt give it a second thought until this week when I found out from XXXX XXXX that I was being denied credit because You are participating or have recently participated in a payment relief or deferral program receiving modified terms, or credit counseling services, on one or more of your accounts or loans. 
I found the report that was used Experian and found the problem was with our mortgage that was taken out with XXXX XXXXXXXX now XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023. This is not true. We have not deferred payments and dont ever intend to.
Consumer complaint received 2023-04-06
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. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-04
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. (PA)

XXXX XXXX XXXX  account # XXXX XX/XX/2022 XXXXXXXX XXXX  XXXX account # XXXX XX/XX/2022 In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States 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 account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-04
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. (NY)

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 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, 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 2023-04-06
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reel Time Capital LLC (FL)

I was harassed multiple times during the day from multiple numbers of the same Reel Capital employees. They left messages with personal information and treated me with a warrant like I was some kind of criminal. They called a family member that I have no spoken in over a decade. They harassed my boyfriend. They also harassed and left messages on my mother 's voice-mail and scared her almost to death. Every message was the same and relayed personal information then threatened that they will send a warrant for my arrest. I had to change my personal phone number just to be left alone and so they called my mother even more. I am so upset and they need to be reprimanded. I talked to a supervisor once and asked what they were contacting me for and she put me on multiple holds and wouldn't tell me what the call was regarding. My mother called back and she would not tell my mother what the situation was regarding eirher. If you are harrassing someone the least you can do is tell them why you're harassing them! I am also 5 months pregnant and I had days I was so stressed out from them that I worried about the health of my child. This is what caused me to change my number. Then they harassed my family members who brought more stress for me and my unborn child. I have attached a picture of one days worth of calls all from the same debt collector. It totals to 9 calls in one day.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2023-04-06
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. (FL)

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : 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
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've recently begun a search for a better apartment in a safer neighborhood. Last month, I applied for a property on XXXX XXXX in XXXX XXXX. My report was made available. My score was XXXX. That property was already rented. Two weeks ago, I applied for another apartment, on XXXX XXXX in XXXX XXXX. My score, according to Transunion XXXX XXXX XXXX XXXX is now XXXX. More than a XXXX point drop. One " Collection '' has been added. But the alleged creditor is three letters smashed together. The source of this item is in XXXX. I believe another " collection " has since been added, also sourced in XXXX. I've tried to contact the Transunion XXXX XXXX XXXX XXXX  at XXXX, regarding Case # XXXX, several times. In all cases the alleged agent is ( possibly ) oriental. The discussion attempt is entirely unintelligible. I am XXXX years old and have a minor hearing impairment. The agent, XXXX XXXX offers a " U. S. Agent ''. Then the line goes to loud music and eventually dead. I have visited XXXX. The utility companies there are rife with scams. Typically, as happened with me, the customer brings in his equipment ( if any ). He pays his final bill. But, is told he will have to have an interview appointment to completely close the account. Usually the customer is not given any appointment. My translator was with me and said this is ordinary for both visitors and residents. A small, phony, charge is made without the knowledge of the customer. Late charges and collection fees are added and years later a collection is filed. The customers credit is ruined and payment is demanded. I will have to stop my property search until this criminal organization agrees to delete this {$80.00} item and any others that have come in. Transunion is apparently part of these scams.
Consumer complaint received 2023-04-06
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To whom it may concern I looked at my consumer report and noticed fraudulent accounts I request that they be deleted I did not give permission to these accounts to be open Nord have any knowledge of these accounts I have attached our documents supporting claim
Consumer complaint received 2023-04-06
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have an HSBC expat account. I am a ( US ) citizen XXXX XXXX HSBC required a lot of info about my address etc, to open the account, which I duly provided. However, after a few months, their security Dept asked me to update my info, which I did. They called back saying it didnt update so they need it again. This happened like XXXX or XXXX  times, each time asking for the same info I had already provided. 

I told them I was moving jobs, and they blocked my card in the middle of a move internationally, blocking my access to my own money, while in a move. My family couldnt eat due to not having funds. I tried to resolve this many times with HSBC but they never fix it. I just keep going in circles. I am stranded in a foreign country with no access to my money because of their idiotic process and because their system isnt showing the info I have sent them time and time again. 

I am furious
Consumer complaint received 2023-03-03
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. (MS)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Balance : {$690.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$350.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$340.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX