davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

My complaint is based on a single issue, Bank of America collected on a debt they had already written off for tax purposes. 

The submission process forced me to pick the " best answer '' and that was that the debt was written off in bankruptcy and not owed. That's not correct, but the submission process for forces and answer and it was the best match. 

I filed a complaint before with all the details ( XXXX ). The bank would not reply to me on that complaint. So I filed a second complaint ( XXXX ) regarding their unwillingness to respond. BofA did respond to that complaint and indicated the representative handling the first compliant was removed from her position and that my correspondence was sent to an old postal address that was not included as my contact information for the compliant ( but they had my phone and email correct ). But based on the second complaint it did finally get the details from the first complaint. It outlined in detail why the bank was allowed to collect on a secured loan that went through bankruptcy. Of course they are - that wasn't the point of the complaint. The assertion, again, is that BofA collected on a loan they had written off for a tax loss. 

The reason for my assertion- as was stated in the first complaint, was that the first BofA representative I spoke with spent quite a bit of time looking for my loan which was not displaying based on account information. After careful research using my SSN, she very clearly - and without any confusion- stated that she had found the record and that it had been written off for tax purposes and that " it could not be collected on '' and that she just needed to send the request to have the lien released. 

The bank later cancelled the lien release and stated that they were going to collect the unpaid balance. This process began in early XX/XX/XXXX. They did not provide a payoff until XX/XX/XXXX. It took them almost exactly three full months to provide a payoff amount. That is ridiculous amount of time to provide a payoff amount. 

To repeat - the assertion is that BofA collected illegally on a debt that had already been written off. That is the only assertion - collection of a debt written off for tax purposes- as was clearly explained to me BY THEIR REPRESENTATIVE.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion is not conducting investigations of any sort. In a previous complaint, I submitted documents from their known vendors such as XXXX and XXXX that no public record was reported to the organization. I also supplied a court letter that was most recently sent to me. After seeing Transunion state that the public record was verified by the courts, allow me to resend a court letter that was sent in previously to Transunion directly in which they state my claim was frivolous. 

Transunion appears to be willing to intentionally keep consumer credit reports low by maintaining unverified information.
Consumer complaint received 2021-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Consumer paid the account in full and was given a deletion to pay letter from XXXX XXXX XXXX XXXX XXXX. This was paid on XX/XX/2021 and to date it still on consumer report. I'm demanding this account to be taken off IMMEDIATLEY! 

Attached below is the letter the consumer received from XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-21
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: CLGF Holdco 1, LLC (NC)

Unauthorized inquiries on my credit report CB Indigo XX/XX/22 Ive attempted to make contact by mail and phone. Ive received no response by mail. Phone calls are consistently disconnected.
Consumer complaint received 2022-08-21
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: CBC Companies, Inc. (CO)

Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX XXXX XXXX in which was XX/XX/XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX and Date of inquiry XX/XX/XXXX. Also, Factual Data in which the date of inquiry was XX/XX/XXXX, XXXX XXXXXXXX, the inquiry date was XX/XX/XXXX, XXXX XXXX BANK XXXX, the inquiry date was XXXX and XXXX XXXXXXXX XXXX XXXXXXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXXXXXX Bank and XXXX have recognized credit companies but are unauthorized to access my credit report for this reason. For all hard inquiries mentioned above, I didn't give the company authorization to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. The dispute confirmation number is XXXX.
Consumer complaint received 2021-08-10
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. (LA)

" I have been disputing inaccurate and and unvalidated information on my credit report. I have NOT RECEIVED ANYTHING BACK FROM THE BUREAUS REGARDING MY DISPUTES. I HAVE SENT IN DISPUTES IN XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XXXX AND XX/XX/XXXX. NO RESPONSE AND ACCORDING TO THE FCRA THEY HAVE TO RESPOND IN WRITING IN 30 DAYS. IF NOT THEY HAVE TO REMOVE. SO WHAT S UP WITH THEM????? NOT FOLLOWING THE LAW??????

I HAVE ATTACHED A FEW LETTERS BUT NOT ALL OF THEM. IF YOU WANT ALL LET ME KNOW
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On my credit report with XXXX it shows I have 14 accounts/ loans. 
My loans have been in forbearance and/ or a {$0.00} payment re-payment plan. 
My account shows that the loans were late but I never had a payment due because I didnt have a payment. 
I have spoken to XXXX many times and they said that they can not undue the mistakes that someone else made on my account because they can not verify what that person said. But the fact of the matter is I never had a payment to make. 
I have requested that the three credit bureaus investigate the accounts many times but the accounts are never corrected and the late/ missed payment reporting still shows. 
Now that the account is closed I can not do anything. 
This information is hindering me from be able to securing funding and operate my business. 
In accordance to 15 U.S.C. 1681a 602a the information furnished and being reported is inaccurate and causing tremendous burden.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-11
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. (LA)

I have sent disputes for the past 8 months to all XXXX bureaus and no replies have been sent back to me or reports. they never answer e. According the the FCRA they have 30 days to answer dispute and no they havent. I have copies of all the letters and will send some .if you want all let me know
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Several disputed items remain on my credit report as of today XXXX XXXX. 
1. XXXX XXXX XXXX shows over 30 days past due for XXXX and XXXX updated on XX/XX/XXXX. Attached is the car title dated by the state of Florida for XX/XX/2022 supporting my claim that there is no past due or balance due on this account for XXXX and XXXX. Especially considering that the time to pay off the loan and receive the title from the state is at minimum 30 days. 
2. Department of EducationXXXX shows account closed due to transfer. This account is not a transfer but part of a loan forgiveness acquired last year. The document is attached to this complaint. 
3. In XXXX there are 8 hard pulls on my credit from 3 mortgage companies. Four from XXXX XXXX XXXX XXXX Two from XXXX, Two from XXXX. Due to the current market, trying to buy a home is a long process requiring my prospective mortgage companies to update my file over several months. Any adverse effect on my credit should be removed.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I'm reporting the case # XXXX completed by XXXX in Global consumer services/Equifax. It's recorded me stating " Equifax to being dismissive and deceptive, and she answered, agreeing, I know ''. This case consisted of a number of dialogues between me, representatives, agents, supervisors and supervisors in charge from the XXXX  of this month regarding the reporting and accounts that were promised to be deleted. Me exerting my consumer rights, rightfully. However, I asked for a case # to be provided to me from the dispute # XXXX on the XXXX of XXXX initiated without my knowledge or authorization from the supervisor, XXXX from Equifax. Also, to include how the customer service I experienced consisted of bait-switch tactics and interference regarding my consumer report. I was only granted a suggested date of the XXXX of this month, XXXX, only creating a case from call logs from the XXXX of XXXX, instead of the XXXX of last month as I requested. Now, it was stated to me on XX/XX/XXXX that 23 accounts from XXXX XXXX XXXX  were to be deleted and it received a confirmation # of deletion, with reassurance from the supervisor in charge, XXXX. Who agreed that they were to be deleted. They have not been deleted as promised! Instead, I have received excuses, misinformation, misguidance, negligence, and interference. No valid reason to why my account is not reporting truthful and accurate, even upon reinvestigation ( s ). Equifax is reporting incorrect information on my credit report via error code reporting and inaccurate credit score. My consumer rights are definitely being violated to the upmost. They're willfully being unfair, negligent, deceptive and interfering with my right to an accurate consumer report and diminishing my creditworthiness by doing so. I am lawfully demanding monetary relief for all the consumer laws broken by Equifax. 

Rights violated to the fullest extent by, Equifax.

FDCPA SECTION 806 FDCPA SECTION 808 CONSUMER LAW 15. U.S CODE 1681s-2 ( b ).
Consumer complaint received 2022-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2022, I was the victim of a scam that was very sophisticated, impersonating the XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, FL and telling me that I had failed to show up for a court appearance on XX/XX/XXXX and had to immediately pay {$3000.00} or be arrested and have a bond of {$30000.00}. I was completely unaware of this supposed court appearance but because I had been involved as a board member with a set of two organizations ( XXXX XXXX XXXX XXXX and XXXX XXXX ) that has a long and contentious legal battle, it did not seem implausible that I had been summoned to testify. I could not understand why the summons never appeared at my office -- that didn't make any sense. 

I did all my due diligence on the phone with this person who i genuinely believed -- because he had all this accurate in depth information. I ask the person who called for his badge number, making sure there was someone by that name employed at the XXXX. I then asked for his supervisor 's name and he transferred me to that person who also provided me with a badge number. They had citation numbers for me on what they were threatening arrest for. It was a very sophisticated scam and every fact checked out. These scammers had my office address, citation numbers, and very threatening language. 

The person impersonating the XXXX deputy insisted that I had to pay this money in cash or by XXXX or apple pay. I tried to do so to avoid being arrested and kept getting back responses from them that the XXXX financial department. Ultimately I ended up losing {$7000.00} to this sophisticated scammers, money that I had to take from my small business payroll account. 

I filed a crime report with the XXXX XXXX XXXX XXXX, which I can provide for you. 

On Sunday XX/XX/XXXX, I called Bank of America who is the bank that processed the payment through XXXX and XXXX and explained that there was a police report documenting all of this and this type of scam is not very well known and I was trying to avoid getting arrested. We have been 20+ year customers there and I have five accounts with them -- personal checking, personal savings, two accounts for our children, and a business account. They told me there was nothing they do to help us. This really feels unsatisfying given our long term relationship with BOA, the crime report, and the sophisticated nature of the scam, which provided so many realistic details. I truly believe BOA could reverse these payments in the interests of doing the right thing for a long term customer.
Consumer complaint received 2022-08-21
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. (DE)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

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 2022-06-19
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. (NC)

Equifax are showing the same collection on my credit report twice. One that was showing date of assignment XX/XX/XXXX for which I disputed with them and the reporting company previously but since XXXX this collection has been duplicated on my report but showing a new assignment date of XX/XX/XXXX. 

So basically Equifax now reports the same collection twice one as an old collection from XXXX but also one is also being reported as new collection. 

I contacted XXXX please see prior CFPB complaint and they deny re aging or opening an second account and blame Equifax for this error. 

I previous disputed this matter with Equifax in XXXX and this entry was removed however it reappeared this month on my credit reports where is shows as one old collection and one new collection unfairly and inaccurately hurting my credit score. I also disputed the original collection dated XX/XX/XXXX with XXXX for which I do no even owe this {$150.00} amount to begin. Since Equifax are responsible for reporting this incorrect data and XXXX are themselves are pointing the finger at Equifax I feel they are responsible in this matter.
Consumer complaint received 2022-08-21
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. (DE)

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 2022-08-21
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 account XXXX XXXX account # XXXX collections has violated my rights .This is not my account and needs to be deleted from my credit report. and was done under my name without knowledge. Im going through XXXX with my wife and trying to buy a home. This is affecting us heavily. 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.Ive also filed theft report to have matter deleted and previous cfpb complaint.
Consumer complaint received 2021-08-11
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. (LA)

Hi I have been disputing this inaccurate and erroneous information on my credit file that belongs to someone else and i have been sending disputes for 7 months an no replies from the bureaus or answers and still the accounts are reporting on my report without proof that was requested. 
according to the fcra laws they have 30 days to respond and if not they have to remove. well its been 8 months and havent received anything. 
I have sent you some letters, i have sent to many to the bureaus but if you need them let me know