davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-10
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. (GA)

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.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

My home loan was paid off on XX/XX/2023. I have contacted Bank of America three times and they told me that the check is in the mail but I have not received it. They told me to wait for it and if I have them re-issue the check, it will be another wait. It was supposed to have been paid back to me within 20 days because it is an escrow refund. I want my refund immediately. I have had problems throughout the time of having an account with Bank of America and I want my refund because the mortgage has been satisfied for over a month.. They even removed the mortgage account information which was available online. At this time they owe me interest on my money theyve illegally withheld.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Hello : The issue I am having with Bank of America is not actually a credit reporting but actually, being reported to XXXX XXXX. I have been a BOFA client for XXXX  years and on XX/XX/2022, there was check fraud on my account. I immediately called BOFA to report and they froze my checking account. I informed them that I had my bil lpays scheduled to come out that evening and the day next and they reassured me that all bil pays would be paid from the " fraud '' account. I went to a banking center to open a new account. Starting the next day, my online banking showed my scheduled bill pays being returned for insufficient funds! I then called and was told that they did not honor these and I had to rebuild all my bill pays from the new account which took me hours. Needless to say I was receiving fees and returned payment notices and had to pay 4 bills double. Since then - now 5mths later, have had to call their fraud dept and online banking to request proof that my payments were paid thru the fraud account or not. I have called every 2 weeks for 5mths and never receive anything. I was REASSURED by BOFA that the frozen fraud account, which was overdrawn '' would NOT BE REPORTED to any agency until I would clear this up. Well, I had to pay the overdraft but they reported me to XXXX XXXX anyway and after dealing with the branch, the departments and escalated to their Market Manager they are REFUSING to remove me from XXXX XXXX even though the account has been paid back by my own funds. I would like to have BOFA remove me from XXXX XXXX. Thank you.
Consumer complaint received 2022-06-24
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX US Dept of EDXXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-16
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. (MI)

XXXX XXXX has constantly reported inaccurate information, AND obtained my credit reports ( a hard inquiry ) because of an issue last year when they had to buy back a lease. Now, I made a payment on the XXXX day ( I have NEVER BEEN 30 days late ), and because they were processing my payment, they marked it as 30 days. 

This morning I wake up to find that XXXX XXXX has reported me 30 days late TWICE NOW. I have never been 30 days late TWICE. They reported it for XX/XX/2021 that I was 30 days late, and for XX/XX/2021 that I was 30 days late. This has dropped my score over 90 points. I have perfect credit, and XXXX XXXX has destroyed it.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Fraudulent applications may have been submitted in my name by two companies and may have been used to apply for credit or purchases without my consent. I have contacted in XX/XX/2022 Bank of America XXXX and the representative claimed there is no record of me with any account or application for credit. I also contacted XXXX XXXX XXXX XXXX and the representative stated she could find no record and would resolve the matter and report to have the inquiry removed. I have not heard from any of the companies and my credit report still reflect these inquiries. Finally, I submitted a fraud report to XXXX and was instructed to file a report with FTC.gov and was directed to CFPB.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX reported XXXX XXXX  to Experian identifying my account as unrecoverable. I was under a payment arrangement with XXXX when XXXX XXXX pulled my account back. It then was transferred to XXXX. Once transferred to them, there were multiple issues with them setting up the payment arrangement I made. Once they could finally get that straightened out XXXX XXXX reported my account to Experian as unrecoverable. I've been paying on this account for over a year with monthly payments- so how is this not recoverable? 

Why are there XXXX separate XXXX  on this XXXX account? I was just about to refinance my mortgage but because of this incorrect and willfully negligent credit reporting of the account my score has dropped over XXXX pts. 

I called the company and asked for my agreement and they told me I had to physically go in to a branch to get a copy. I asked how to submit a complaint and they told me to send a fax ( c'mon its 2023 ) or mail it to the local branch. I tried speaking to company reps- XXXX and XXXX and was appalled at how rude they were - XXXX actually had the audacity to tell me " you're being ugly, '' simply because I was asking questions. I'll also be reaching out to the XXXX  XXXX because this company 's practices are attrocious.
Consumer complaint received 2022-06-24
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-03-28
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. (LA)

See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported by XXXX XXXX XXXX XXXX XXXX XXXX ) and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Good evening, the entire month of XXXX, Ive made multiple payments to bills and transactions. I pulled out money from my check to cover the funds but checks were being withheld. Purchase I made and went through were process and money was taken out and put back in. I again took out money from my check to cover my car other transactions in the middle of XXXX and my purchases were made and processed. When I checked back I received overdraft fees, insufficient funds and the funds being taken out again after they were being processed. I made a car payment when I received my full check the week after. And when I made my payments after receiving a notification of a deposit into my bank account of XXXX dollars. They withheld my check and my account was brought down to XXXX dollars the following XXXX days. When contacting Wells Fargo their representative reassured me I was not going to fall under any withdrawals nor do I have to worry about insufficient fund notifications. The days following I went into overdraft fees and insufficient funds once again. When contacting them again they told me that no, the representative had miscalculated. I explained that this couldnt have happened because I also calculated the purchases then she began to tried to explain charges that were brought up in the previous conversation as still being processed I explained to them that no those purchases were already in the previous conversation. She also told me I went negative because of a transaction that was already taken out of my account for XXXX today I got a notification that I had a charge for XXXX and the funds were insufficient, i put in money to cover the overdraft fees that I had occurred but still got this notification. I told them Im being charged double my purchase and 30 % more of my purchases because they are constantly over drafting me on purpose and they explained that this wasnt the case. I also told her that XXXX dollars were transferred from my credit card to my bank account to pay for these overdraft fees but the bank still double charges the purchases today the XXXX was charged for insufficient funds purchase was made XXXX
Consumer complaint received 2023-04-18
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. (TX)

I owe XXXX with interest in student loans, Experian has a duplicate loan reporting on my credit report. The total of the duplicate loan is XXXX, this total is listed for both XXXX and XXXX. XXXX transferred all of my current loans to XXXX and the actual balance I owe without interest is {$9100.00} and with interest the total is {$10000.00} as previously stated. Experian has stated they've confirmed their information is accurate when it is CLEARLY in accurate in black & white. The total amount in Student Loans Experian is reporting reflects {$13000.00}. The correct account reporting under XXXX should remain and the XXXX account should be removed ASAP. ALL XXXX were transferred to XXXX and it is attached to this dispute with the actual XXXX notice!
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Finance Company, LLC (VA)

XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) sold by XXXX XXXX XXXX and XXXX XXXX XXXX, a two same personal credit card account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX and XX/XX/XXXX under the account number ( XXXX ) and ( XXXX ) sold by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, a personal loan opened at VA Department of Social Services on XX/XX/XXXX under the account number ( XXXX ) due to long-term disability/unemployment, a person credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC (SC)

I am just now finding out about an additional account that was opened fraudulently using my information again. This is the fourth one since last month. XXXX XXXX XXXX has made no attempts to contact me to let me know about this debt or give me the opportunity to dispute it. If they had done what they are required to do by law, I would have immediately told them the debt was fraudulent and a result of identity theft and provided them an updated police report. I have both an FTC and police identity theft report filed detailing my identity theft. I just updated the FTC report today to include this new debt that I am just now discovering through this debt collector, the police report will take longer to get an updated copy. I am a victim of several data breaches including but not limited to ; XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and XXXX  XXXX XXXX ( XXXX ). All have left me battling identity theft and ransoming things popping up on my credit for YEARS. There is, again, an active fraud alert on my credit accounts.
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

improper use of credit report or have any knowledge of hard inquiries, listed below : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA- XXXX
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

all hard credit inquiries between XX/XX/2021 thru XX/XX/2021 was someone else using my personal information applying for credit or loans or whatever because i was incarcerated from XX/XX/2021 until XX/XX/XXXX, XXXX i also do not recognize any of the other 3 hard credit inquiries. so of the 10 hard credit inquiries on me, at least 7 of them ( the ones during the time i was incarcerated ) are completely fraudulent.
Consumer complaint received 2024-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Continental Finance Company, LLC (SC)

Checked my credit report XX/XX/year> and XX/XX/year> noticed a hard inquiry that wasn't authorized by me, I didn't open this credit card which is classified as an installment loan. I spoke with XXXX XXXX about the issue at hand. She confirmed that this account which isn't activated is flagged as a fraudulent application and I am not liable for this mishaps. XXXX also stated that the company will file a dispute to the credit bureaus and highly suggest that I submit an identity theft report with FTC.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-07-03
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. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION (GA)

I was working with XXXX XXXX and Homestar Financial Corp to get preapproved because I know him personally. Ive worked with him before I am a Realtor. This company has a really bad habit of treating the clients like XXXX if they dont approve for more than XXXX. I approve for XXXX. when I went Binding on my contract on XXXX XXXX, I was told to reach out to another lender because XXXX XXXX was on vacation. They reached out to me two weeks later then they started the appraisal with FHA to tie up my contract. we had to submit a document requesting for his company to release my case number with FHA. They back dated documents and entered The documents to the FHA website under false pretenses that they were my lender when they know they were not responding to any messages of mine until two weeks later by then I already went with a different lender. My Deal almost fell through on my personal home purchase because the lender is money hungry I have text messages along with emails to prove it