davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, U S DEPT OF ED/XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-20
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (AL)

The vehicle was totaled by XXXX XXXX XXXX due to flood damages. My credit report, after disputes with the credit bureaus is showing the total purchase price of the vehicle. 

Credit report does not reflect the correct balance. I have not received any correspondence reflecting the balance on the the vehicle. The company is reporttng late payments to the credit bureaus, drastically lowering my credit scores.
Consumer complaint received 2024-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Account Name : XXXX XXXX XXXX  Account Numnber : XXXX Amount : {$3300.00}
Consumer complaint received 2021-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (FL)

I sent AmeriFinancial Solutions a letter on XX/XX/2021 by certified mail ( XXXX XXXX XXXX XXXX XXXX ) I did not receive a response from AmeriFinancial so I submitted a second letter to Amerifinancial on XX/XX/2021 allowing AmeriFinancial plenty of time to respond to my request for validation well over 45 days in consideration of the pandemic.
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION (UT)

I have been banking with Zions bank for years my father recently passed away a year ago and Im really upset the business of Zions bank handled things really poorly I had issues with the accounts and they chose not to have me as a customer I have had issues with Zions bank large banks dont do well with me I tend to have issues with large banks because they are owned by the government my issue was I had a hard time closing my account because they wouldnt allow me to close it my mother had to close it because I have had money issues in the past and dont know how to manage it very well I thought Zions bank handled the situation very poorly my father has been banking with Zions bank and he handled all my bills with them helping me pay all my bills I thought that Zions bank could have helps me better I was disrespected at the banks and I just think it could have been better handled with how they treated me. The issue I had with Zions bank also was I had money in my account and was not to be accessed because it was a custodial account and their policies made me upset they wouldnt let me check my balance and it was just not a good bank to bank with Im very disappointed how they handled everything would like an apology I do want to apologize for how I said those lies about the credit card stuff but thats been handled accordingly and that was my fault but the other stuff could have been handled a lot better wish I was treated better
Consumer complaint received 2022-09-20
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: EQUIFAX, INC. (GA)

This line of credit I have with XXXX  / XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( characterized as utilization ) is illegally being reported. This is a violation of my rights Pursuant 15 USC 1681a 2 ( A ) ( i ), Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the persons making the report ; The LAW CLEARLY STATES : Transactions or Experiences between me ( the Consumer ) and SYNCB/Care Credit ( the maker of the report ) are not to be included on my Consumer Report. 
Utilization is an experience with the line of credit that was extended between me the Consumer and XXXX Card Services the person that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
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: EQUIFAX, INC. (FL)

AFFIDAVIT : In this court of record I, XXXX XXXX XXXX, a man, swear under oath and penalty of perjury that all herein is true as follows I am a victim of identity theft and fraud and XXXX, Equifax, XXXX  are continuing to report fraudulent accounts on my credit profile after I informed them of the fraudulent accounts in which are causing me harm, injury and damage in the public. 

s : XXXX XXXX XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$110.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022.
Consumer complaint received 2021-08-02
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: EQUIFAX, INC. (NJ)

I have previously filed a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX. This complaint is against XXXX XXXX  and their reporting of 4 Fraudulent accounts being reported to the credit bureaus. I have provided all documentation I can provide to the best of my ability and after my complaint there was no resolution to the accounts being reported. 

I am a victim of Identity theft and I first contacted XXXX XXXX  regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX ( this individual was a family member who resided with me for a period of time ). They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX  and XXXX  have honored my claim but Equifax has not. I contacted XXXX XXXX  again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by Equifax to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to XXXX XXXX XXXX and all three credit bureaus are currently reporting this account as a collections account. 

Please also keep in mind the 3 remaining accounts on Equifax are reporting charged off every single month for the last year which is a violation of the FCRA.
Consumer complaint received 2022-06-30
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. (GA)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-06-30
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. (AR)

In accordance with the Fair Credit Reporting act the account below 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 states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} open balance Opened XX/XX/2022 Placed for collections
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings (MA)

I have been renting the same apartment for the last 10 years, however have been recently looking for elsewhere to live because of the rising cost of living, it is a strain to pay rent and to be closer to work. As a background, I have an excellent credit score ( but very little history ), no criminal history and no evictions or court appearances. On XX/XX/2023, I applied for affordable ( section 40B ) housing through a property management company, we'll call XXXX XXXX. The move in date was to be XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX informed me that I was denied the apartment because of a check that was run on me through their renter screener company ; we'll call it XXXX XXXX. I called XXXX company for clarification. They provided me with a report and explanations. These reports showed that indeed, I have no criminal history, great credit score and good rental history. However, they assign an aggregate score. This score was quite low. When pressed for clarification as to how they got this score, XXXX XXXX stated that they aren't responsible for the parameters of denial and I would need to contact the property management company. XXXX XXXX said that they don't know how the score is calculated. Based on a score which can't be explained, I was denied more affordable and convenient housing.
Consumer complaint received 2022-07-20
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 accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-09-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Yesterday morning someone opened an account using my social security number and my email address with Bank of America. Icalled the company and got the account closed but I wanted to make sure this didn't happen again. I used XXXX to see that XXXX had a leak last summer where my SS # was exposed.
Consumer complaint received 2022-06-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-06-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NC)

The debt collector, Capital Accounts XXXX XXXX XXXX, TN is attempting to collect an alleged debt from me. The original creditor is referenced as : XXXX XXXX XXXX of  XXXX NC for {$930.00} Acct XXXX On XX/XX/XXXX, I received an email from XXXX XXXX that I have never been a patient at that facility, and they have no medical records for me. XXXX XXXX XXXX has only been in business since XX/XX/XXXX. The debt is being reported having a date of last activity of XX/XX/XXXX. 

The information reported across the three credit bureaus is fraudulent since I have never been a patient of XXXX XXXX  XXXX. I would like this record on all three credit reports deleted.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (AK)

ok My Name is XXXX XXXX. i paid a credit card dept. over 20 years ago in a consolidation loan on a XXXXXXXX and wells fargo credit card XXXX expunged the dept i owed them on the national record of my credit wells fargo did not. sure they expunged locally but did not take it off the national record. cause the dept shows i owe when i do not. im trying to buy a house and had my morgage agency look up my credit shows i owe that old dept. Wells fargo goes after there depts extremely in collecting dept always been there modas operandi, but none to graces in evening the books. ( Cooking the Books ). I want wells fargo to expunge the dept off my record -i dont bank and have not banked with them in over 20 years i had the consolidation loan pay off the dept its been long aunuff i want it removed, XXXX XXXX XXXX ss.nu # i will tell a agent in private who wants to take the case?
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (PA)

I'm receiving emails from a bank called Truist Bank that somebody opened a account with them using my name and even made a User ID with this online banking company on XX/XX/22. I'm in no way affiliated or even opened anything with this banking company I believe somebody is using my identity again for some apparent reason.I tried to call them but they wanted the account number for the bank account and my social security number, I didn't feel comfortable giving them my SSN and of course I wouldn't know the account number because I didn't open it
Consumer complaint received 2022-07-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX ACCOUNT NUMBER : XXXX An unauthorized car loan was made in my name without my consent on or around XXXX of XXXX. I was recently notified through XXXX that a DATA BREACH including my information had been used, This is unfair and unduly for it to remain on my credit report and I would like it Removed immediately.
Consumer complaint received 2020-07-07
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. (SC)

XXXX XXXX issued a statement Were here to help, in order to support customers experiencing financial difficulties due to COVID-19. It appeared that they were prepared to work with me in order to provide payment relief without causing late payments to appear on my credit report. They did not honor that statement as my credit report reflects late during the months of XX/XX/2020.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

on XX/XX/2021 I sent a letter regarding inaccurate and unknown items on my credit report. It has been over 60 days later I have not received a response yet I feel like I am been taken advantage of and ignored of my disputes. Section 61 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from y credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have been compromised.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Saturday, XX/XX/2022 I received a text message from " BofA Support Dept '' that listed two transactions, one of which was a XXXX transaction for {$3500.00}. It said " If you recognize this activity, reply Yes. If not, reply No. '' As done in the past whenever there has been suspicious activity on my account, I responded No. I received an immediate text from " BofA Support Dept '' saying that I would receive a call shortly. I received a call two minutes later from a woman who identified herself as a Bank of America rep. I also looked at the phone number that called me from ( XXXX ) XXXX and it matched one of the phone numbers listed on the back of my Bank of America debit card. The call followed the same pattern as my previous experience with Bank of America. The rep walked through a few transactions and asked if I made them. She also asked if I was traveling. She stated that they would be sending me a replacement debit card via XXXX XXXX ( which is what they've done in the past ). Then she stated that there was a {$3500.00} XXXX transaction to a " XXXX XXXX ''. I let her know that I did not know a XXXX XXXX and didn't authorize any XXXX transaction. She said that in order to reverse the XXXX transaction, I needed to log into my bank account online and follow her instructions using the case number, which I did. The call lasted for approximately 35 minutes. However, after our call ended I did not see any XXXX reversals ( only several XXXX transactions totaling {$3500.00} withdrawn from my checking account ), so I called Bank of America. Unfortunately, I learned that the office was closed for the evening. That's when I realized that I was a victim of fraud in the amount of {$3500.00}. I called Bank of America back at XXXX PST ( they open XXXX EST ) the very next day ( Sunday XX/XX/XXXX ) to file a claim. The Bank of America rep told me that the bank does not provide a credit back for XXXX transactions. After repeated calls and follow up calls to the claims dept., I found that the funds were sent to an account at XXXX Bank. Despite the fact that the XXXX XXXX Police Department classified it as fraud / obtaining money by false pretenses ( police report attached ), Bank of America sent me a letter stating that my claim was denied. A rep explained that they view the XXXX transactions as being approved by me, even though I wasn't approving them. I was following instructions provided to me by someone spoofing a Bank of America phone number and impersonating themselves as a BofA employee. I was shocked to hear from Bank of America that there are no protections from BofA for XXXX fraud. As a longtime customer of Bank of America for over 10 years, I feel that this is wrong. I filed a police report on XX/XX/2022 ( see attached ). 

Thank you, XXXX XXXX
Consumer complaint received 2024-11-08
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. (NY)

Date : XX/XX/2022 Amount {$2600.00} Account XXXX is PAID & CLOSED This hindering me from getting a loan a house & a car. 
I'm doing everything possible to moving on with my life. 
But this thing Charged off debt is creating dilemmas in my life.