davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-02
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2020-10-12
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. (SC)

I, XXXX XXXX XXXX, Have been the victim of identity theft since my wife passed away almost 3 years ago. I have attempted to work with Transunion to get all the fraudulent information off my credit file with them, Under 605B of the fair credit reporting act and they have refused to obey the law. I have filed almost 3 dozen complaints in the last 2 years against them and they give a XXXX  reply to close the file with the CFPB Because they know how to thwart the law instead of complying with the law. The CFPB closes a complaint just by getting a reply from the company instead of actually looking at the reply to see if it addresses the complaint at all. 
Please force TransUnion to remove the fraudulent name from my file, XXXX XXXX, that TransUnion claimed to a federal entity that I was this fraudster. They permanently harmed me with this lie and caused that federal entity to cease business with me. I sent TransUnion certified and stamped and notarized signed by police documents that my fingerprints did not match this fraudster. Transunion has not replied to my sworn requests, and ignored and broken the law. Please do not allow them to thwart this complaint process with the same XXXX  reply they use to close the complaint and have them obey the law.
Consumer complaint received 2020-10-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BCG Equities, LLC (AZ)

On XX/XX/2020 i received a letter from my employer " The State of Arizona '' of a Non Exempt Earnings Statement ( Judgement not for support ). this letter stated I have had my wages garnished without proper notification. I never received a letter from the court nor the law offices of XXXX XXXX XXXX. I only found out about the garnishment from The Arizona Department of Administration stating my wages where being garnished. Subsequently i am enrolled through a debt counseling agency whos managing my payments to creditors to help me get back on track with my debt to move on with my life. This garnishment is causing me to fall into ECONOMIC HARDSHIP. I cant afford to buy my prescription medication, I cant afford to see a Dr. Or pay my rent on time. I cant even afford to put gas in my car or keep up with my other bills, after the garnishment I am only bringing home about {$610.00} bi weekly. I have been late on my rent, i cant afford to buy groceries or buy food because of this garnishment. I cant apply for government assistance because I work for the government assistance agency also known as Arizona Department of Economic Security. FAA agents do not qualify for SNAP or Medical benefits. I called XX/XX/2020 at XXXX XXXX to discus why I was ambushed like this.

Also BGC Equities LLC & associates have been known for misleading consumers in debt collection practices thus a class action lawsuit was filed against the corporations In Wisconsin. File attached below
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BK OF AMER XXXX
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (IL)

On or about XX/XX/2022, I received XXXX notices dated XX/XX/2022, from Truist Bank stating either my account was declined or approved for overdraft protection. Each of the notices included a different account number none of which were authorized by me, or anyone authorized to open an account on my behalf. 

On XX/XX/XXXX at around XXXX XXXX, I contacted Truist Bank and the representatives I spoke with were unconcerned with the error. I first spoke with XXXX, who later in the conversation changed his name to XXXX, from a call center in the XXXX. I later was transferred to XXXX XXXX XXXX XXXX XXXX who also was unconcerned with the error. I was then transferred to XXXX who transferred me to the Fraud Department, and I spoke with XXXX. XXXX was the least interested in the fraud and refused to assist me unless I provided my full SSN. I informed him that I did not initiate a business arraignment with Truist Bank and have no knowledge of the company, therefore I would not provide my SSN. 

Truist Bank appears to operate in a deceptive manner and is unwilling to address concerns with potential fraud in the banking.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus transunion, XXXX and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. Please see attachments for the list of fraudulent ACCOUNTS and INQUIRIES.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I disputed a medical collection with XXXX that was reporting on Experian and XXXX and requested validation under the guidelines set forth by the FDCPA, Texas Finance Code and HIPAA. XXXX responded but did not send any documentation to support their claim that I owe the amount reported. A demand for removal was sent to XXXX and they received it on XX/XX/2021. However, instead of removing it as they should have per federal and state law, they opted to report the disputed account to XXXX. This act has severely damaged my credit reporting and is concerning since each account newly reported was in dispute. I have attached documentation to show that the dispute had not been resolved and this act may have possibly violated several consumer protection laws.
Consumer complaint received 2023-02-13
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 submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX  ) appropriate proof of the identity of the consumer ; ( XXXX  ) a copy of an identity theft report, ( XXXX  ) the identification of such information by the consumer, and ( XXXX  ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2021-03-03
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

On XXXX I was contacted by Quicken loans to do a refi on my new mortgage under the guise of saving me money on a monthly basis. The rep at that time stated that they were able to do an interest rate of 2.25 % with XXXX down. I said that sounds good but I need to think about it and requested the information in writing. The rep then emailed me the requested documentation with the loan information. The rep called back on XXXX and reverified the terms of the loan would be 2.25 with XXXX down, stating that my credit pull was needed in order to lock in the rate. I agreed with that specific promise of those terms. THe rep performed the credit pull and began to ready the load. The rep then returned to the call stating that the market had shifted slightly and the closing cost would be higher at XXXX. He stated that he wanted to wait a few days to get the closing cost back down and I agreed. He never called back, I left two voicemails for him and my calls went unanswered. In the interim another rep called me again stating that they could do a refi as if I never talked to the first rep. He then stated that it would be 2.5 with XXXX down and I advised thats not what I was told before. He said the 2.25 would be over 2000. I asked for a supervisor and he said one would call me back. I never heard back from a supervisor. I reached out to a personal contact in the compliance dept. who had a team member call me on XXXX she escalated the matter saying they could remove the credit pull. On XXXX I spoke with a XXXX who presented himself as a supervisor. He stated he would review and get back to me next day. He called on XXXX stating that the best he could do would be 2.75 with XXXX down. I advised this was unacceptable when I was guaranteed a rate of 2.25 with XXXX down which is the only reason I allowed my credit to be run. We disconnected our call. On XXXX I received a call from a XXXX with Quicken who again said he was calling to save me money and do a refi. He stated he could do 2.75 with XXXX Down. I advised him this was different from what was stated just last night at XXXX. He then stated we should look at conventional. He said he wanted to pull my credit to which I stated he was not allowed to do as they had already done so on XXXX. The rep did so anyway with me being immediately alerted that it was pulled. I questioned him to which he lies stating he did not do it. I disconnected the call. I was then called by a director stating he could do a different deal I told him this is crazy that they keep making up numbers and not honoring their original deal. I then received mail from quicken on XXXX stating that it was loan paperwork from XXXX with an interest rate of 2.25 % and XXXX due at closing. Quicken has now run my credit twice once to my detriment and the second without authorization. They have not honored their terms and have only proceeded by giving false information to drive a sale.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a Capital One Venture card and have been saving up my travel miles to book hotels and flights through Capital One travel. I booked a 3-night hotel stay at the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Confirmation : XXXX ) for 3 nights. Unfortunately my XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and as a precaution I contacted Capital One Travel to cancel. I cancelled 48 hours prior to our trip and XXXX at Capital One and he told me that he couldn't cancel but if the hotel approves it they would issue a complete refund. I spoke with a lady named XXXX at the XXXX who approved the cancellation. I called Capital One back and spoke with XXXX and his supervisor XXXX who confirmed that since the Hotel approved it Capital One would be able to apply for my refund. They told me they would call me back but if I didn't hear from them to call back in 2 days. I never heard back within 2 days so I called back and spoke with XXXX who said the refund was still pending and to call back in 2 days. I called back and spoke with XXXX XXXX said the same ). Called back in 2 days and spoke with XXXX XXXX said the same ). Then called back in 2 days and asked to speak with a supervisor named XXXX who said the refund was denied. I asked why it was denied, she said its because the Hotel never approved it. I told them they approved it on my first call close to 2 weeks ago. After 1 hour waiting on the phone they said they had to file another claim for approval after speaking with the Hotel again. Meanwhile, although I cancelled within my time frame because of due diligence to prevent anyone XXXX XXXX I still have yet to be refunded. Capital One Travel is not practicing proper ethics. They advertise that they handle bookings when they are at the mercy of a third party agency. If you're planning on traveling or booking DO NOT USE CAPITAL ONE TRAVEL. In the event you need to cancel due to an emergency you will not receive customer support or a refund.
Consumer complaint received 2022-07-14
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. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern, My mortgage loan is with with  XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, Illinois XXXX. This complaint is due to a discrepancy within my credit which was reported by XXXX. After several telephone calls and conversations, customer service representatives state they do not have access to, or can not see, my credit report and therefore can not correct this mistake. I have emailed XXXX XXXX times regarding this error. 

The company has been adding delinquent charges to my credit report for months. I received a letter in the mail on XX/XX/2020 explaining that the Company has transferred my XXXX mortgage to another mortgage company. While I accept the changes, the company has reported the sum transferred as a delinquency on my credit report. XXXX has also reported an erroneous amount of {$250000.00} in delinquency when the amount owed is for the sum {$23000.00} ( this was the amount transferred to the new mortgage company ). Additionally, XXXX has failed to report my account in good standing for the months of XXXX, XXXX, XXXX and XX/XX/2020. 

I have contacted XXXX regarding these issues on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2020 and XXXX still has not rectified the problem. Instead, the issues are now heightened. Since my last emails, XXXX has been adding further negative credit reportings on to my credit rating status ; in turn putting further stress on my financial situation. I have been affected by COVID and my family has had a loss of income. This situation with XXXX has placed further financial hardship in our lives since my credit report is now showing delinquency. Asdefined by the CARES Act, a Mortgageservicer or creditor is required to report an account in forbearance as current. This has been referred to asan accommodation under the Cares act and quoted by the Consumer Finance Protection Bureau.XXXX is breaking the law under The Cares Act and refusing me an accommodation that is being provided to so many other patrons. 

I am requesting that XXXX send a correction report in the areas mentioned above to the 3 credit bureaus Transunion, XXXX   and XXXX as soon as possible so that my credit report may once  again be in good standing. 

Thank you for your support in this matter.
Consumer complaint received 2020-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

My cable TV and Phone service was installed by XXXX on XX/XX/XXXX. Soon after the installation the TV and phone were disabled and the main cable box was displaying Video Registering. After my complaint to XXXX, many attempts were made by their technicians with no results. They said that my television was causing the problem. I contacted XXXX and after tests were made they concluded that the problem was the cable box. Due to the spreading of the virus my wife and I, seniors in our XXXX decided not to have techs over. We have lived with this problem for the past 8 months. We paid every month if full including the month of XXXX although we did not receive full service. ( See attached ) On XX/XX/XXXX we switched over to XXXX. XXXX wants us to pay {$180.00} for XXXX because we canceled their service 2 days into the month with no service provided. We have no contract and I was not told of this rule. 
Thank you, XXXX XXXX
Consumer complaint received 2021-10-30
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. (FL)

I am a victim of Identity Theft and have extended fraud alerts which I will admit does help protect my credit by declining credit applications but nothing is done about the inquiries from the attempts at getting credit in my name. The accounts are getting denied but the inquiries are remaining ; I have sent my police report, identity theft report and proof of ID to all bureaus requesting those inquiries are removed and they always fail to respond to me or remove the inquiries.
Consumer complaint received 2021-02-18
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There are inquiries on my credit reports on XXXX and XXXX that d o not belong to me I have not approved nor inquired for these accounts. XXXX XXXX XXXX - Inquiry date : XX/XX/2021 BK OF AMER - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXX XXXX - Inquiry date : XX/XX/2021 XXXX
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I opened a XXXX  Credit Card For XXXX XXXX XXXX  on XX/XX/XXXX, for XXXX XXXX XXXX XXXX. We were forced to shut down in XX/XX/XXXX by the Government, due to the Covid-19 Pandemic. When the XXXX  was operating the office manager was responsible for monitoring payment monthly. If you review my credit history with this Credit Card, you can see that I never had any late payments before Covid-19 Pandemic. Due to the Covid- 19 pandemic we were not able to return to the office until XXXX. As soon as I saw there was a late payment, I paid the balance off completely in full. My credit is very important to me and if it wasn't for a global shut down there would be no late payments. I asked Chase to stop reporting late payments to my credit bureaus as this was not a typical situation and XXXX XXXX was strongly affected by Covid, as it was forced to shut down.We live in XXXX XXXX, which was and is the epicenter for Covid. Our business was forced to close for almost 7 months.I have XXXX XXXX XXXX and are prone to XXXX, there for I was scared to leave my house. I ask you to please help with removing the late payment from my credit asap, as it is strongly affecting us obtaining a mortgage. We want to purchase a home that is more isolating and more safe during such scary times, my credit score is solely being impacted by the late payment from the XXXX  Chase credit card, and is making it impossible to get approved for a mortgage. I appreciate your help with this matter Thank you XXXX XXXX SS # XXXX Chase XXXX CC # XXXX Open on XX/XX/XXXX
Consumer complaint received 2023-03-02
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: Experian Information Solutions Inc. (TX)

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumers reporting agencies are in violation. According to 15 USC-1681i-Experian, XXXX, and XXXX have 30 days to investigate and sent me these letters. And they also didn't even record the current status of the disputed information in which is another violation. I have all the evidence attatched below.