davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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: National Credit Systems,Inc. (AL)

Accordance to the fair credit reporting act XXXX  account below 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 2 : it also state a consumer reporting agency can not furnish a account without my written instructions NATIONAL CREDIT SYSTEM Original creditoXXXX XXXX XXXX XXXX Balance {$1400.00} Balance updated XX/XX/20XXXX XXXX XXXX  XXXX POTENTIALLY NEGATIVE Balance {$6400.00} Updated on XX/XX/2022 XXXXXXXX XXXX XXXX/ POTENTIALLY NEGATIVE Balance {$9300.00} Updated on XXXX
Consumer complaint received 2020-04-29
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. (CA)

My student loans show missed payments on my credit report. This is an error because I completed the forbearance paperwork and submitted it with XXXX  on time. XXXX acknowledged their error with the letter attached. I disputed it with Trans Union, XXXX  and XXXX  and provided the letter that I have uploaded below from XXXX acknowledging their error. Even though they acknowledged that my loans should have reflected that they were in forbearance it still shows on my credit reports that I missed the payments and my credit has been negatively affected. I filed this complaint to all 3 credit bureaus in XX/XX/2019 and provided them with proof ; the letter from XXXX ( attached ). The late payments are still showing up on my credit reports! They have not done their job by removing these late payments from my credit report. The attached letter from XXXX XXXX shows all of my loans, amounts and account status : forbearance. I am now currently making payments on my student loans and am out of forbearance. I have excellent credit otherwise and would like these negative late payments removed from all credit bureaus.
Consumer complaint received 2020-09-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is an account in question, which was charged off in 2019. XXXX XXXX is asking me for payment on the account and claiming that I am a joint account holder and owe the debt. This is not true, I am only an authorized user. I asked them to send me a copy of the original application for the credit card, which should clearly outline my relationship to the card, but XXXX XXXX claims that they no longer have access to the original application. They are continuing to report the debt to the three credit bureaus and it is hurting my credit score.  I am asking XXXX XXXX to furnish a copy of the original application and provide evidence that I am a primary account holder, if they can not do that, or refuse to do that, then I am asking for this debt to be removed from my file and social security number and that the debt is removed from my records permanently and that XXXX XXXX report to the three credit bureaus that I am not associated with that account.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

Mr. Cooper will not release our insurance check that we were required to sign over to them so that we can make the repairs necessary to our home. They continue to ask for the same documents over and over and state each time that the check will be five to seven business days and must stay in escrow for five days to clear. We were hit by a tornado and do not have most of our roof and continue to get more damage.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I have sent off dispute letters back in XX/XX/2022 about a billing error according to 15 USC 1681a ( 2 ) I Exclusions : " report containing information solely as to transactions or experiences between the consumer and the person making the report. Also according to 15 US Code 1666-Correction of billing errors these companies are in violation. Please update my payment history for XX/XX/2022, XX/XX/2022 & XX/XX/2022 to paid as agreed.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was scammed by people pretending to be the XXXX on XX/XX/2021. I sent them {$3000.00} through XXXX as they gave me fake notifications of the money not going through. They were yelling at me, telling me that I would be arrested if I did not pay the money, and causing me severe distress. I had contacted XXXX and Bank of America and they refused to do anything to protect me. I've been a customer of Bank of America for 10 years, and I feel severely disappointed that my bank is not doing more to protect me nor are they providing me with any sort of financial help with my loss.
Consumer complaint received 2019-06-17
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. (TX)

I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately.
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to mXXXX XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION (CA)

Company has charged me XXXX dollars in fees in 45 days. They are stealing my money on transactions i have cash for pos service. They are closing my account and refuse to give me my money back they have caused me to be late on rent and not have groceries in my house its ridiculous. XXXX dollars charged in funds for transactions they paid but i declined overdraft service and i had money in the account.XXXX dollars XX/XX/XXXX. XXXX charged on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on my XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX dollars on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX. XXXX on XX/XX/XXXX.
Consumer complaint received 2022-06-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I own a business and have used BOA credit cards for myself and my employee. I have a {$25000.00} limit on my card and my ex-employee had a clearly identified spendable maximum limit of {$5000.00}. He has been exceeding that limit and last month he spend over {$12000.00} on the card which as a {$5000.00} limit. BOA takes no responsibility at all for this excessive overuse of the credit card limit which they approved. This employee has since left the company.
Consumer complaint received 2022-07-21
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. (CA)

The following accounts listed on both my XXXX and TransUnion credit reports are in violation of my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) XXXX XXXX XXXX The following inquiries are also a violation TRANSUNION  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX IN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX this one has a ludicrous amount of dates ) TRANSUNION XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXXTRANSUNION XXXX XX/XX/XXXX XXXX via XXXX ( too many dates to be anything but fraud ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are a number of other inquiries on my credit reports and I kindly ask that they all be removed as the majority of them are fraudulent and in violation of the following laws...

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 Upon completion of this I would like to have an updated credit report mailed to the address on file. Thank you for your time and consideration.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau XXXX CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXXXXXX XXXX Balance {$6300.00} XXXX XXXX XXXX Balance {$120.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

In XX/XX/2018 charges were made to XXXX Credit card. These were for reoccurring shipments that had been cancelled and not received. Vendor amended billing but failed to completely correct all charges made to the account. Ultimately, I paid charges which were in dispute just to close account so that not my PERFECT credit of 35+ years would not be affected. Account was subsequently closed. However, and despite reporting this multiple times to EXPERIAN, a " Delinquency '' is still showing on my credit report. This is now affecting my auto  insurance rates as my agent has given me a code reported to them as " XXXX # ACCTS BAD DEBT IN LAST 24 MOS OR DEROG PUB REC OR COLLECTION IS 1 OR MORE -- '' For 30 years I have never paid anything late and have paid back hundreds of thousands of dollars in credit card/mortgage/car notes. This ONE occurrence is now reflecting poorly on my entire credit history. This is outrageous. I have reported this multiple times to EXPERIAN. They do nothing to take this off the report. It is libelous. I am considering seeking legal counsel for the failure of these credit agencies in representing an accurate account of my credit history. Not only has this affected my credit score but it is also affecting my pursuit of auto insurance.
Consumer complaint received 2020-04-29
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)

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$480.00} XXXX XXXX {$530.00} XXXX XXXX XXXX  XXXX {$960.00} COLLECTIONS XXXX {$380.00} XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2019-07-28
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. (FL)

How dare you people drop my credit score over using your so called XXXX XXXX. my credit history is perfect. I pride myself on that fact. please look into this or I will never upgrade my membership with you.
Consumer complaint received 2022-07-21
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. (IL)

Im submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I have made a research on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX N.A. ) XXXX Balance : {$730.00} XXXX XXXX XXXX ( Original Creditor : WFS ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

XX/XX/2022, I tried to send money to my mother in XXXX. I went to the XXXX in XXXX, NJ and I did it through Money Gram. She tried to pick up the money however, she was unable to receive it because it was not through XXXX XXXX. So, XX/XX/XXXX I went back to XXXX to receive a full refund because she could not collect the money. Unfortunately, it had been over 6 days so XXXX could not refund or transfer the money through XXXX XXXX. They told me to call the toll-free number and to file a complaint.
Consumer complaint received 2022-07-14
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. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On the XXXX of XXXX, XXXX, I noticed that the credit reporting agency, TransUnion charged {$24.00} to my credit card through XXXX XXXX. I checked my monthly statements and discovered that TransUnion took {$24.00} once a month on the XXXX of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A total of {$170.00} was charged to my credit card by TransUnion. I just recently paid off the credit card and that was how I found out about these charges once they took out the money on the XXXX of XXXX. 

I logged onto TransUnion and saw that I was signed up for a credit monitoring subscription that I never authorized or signed up for. I also went into my email account that I use with them to get my free credit report, and found no emails that contained receipts or that the subscription began. I then called TransUnion to speak to a representative for their subscriptions. He informed me that their records does not indicate how the subscription started, only that it just did in XXXX, XXXX. He canceled the subscription and told me that they would only reimburse me for XXXX, XXXX, and XXXX payments. That is only {$74.00} out of a total of XXXX that they stole from me. 
Next I called XXXX to dispute the remaining charges, to which they informed me that they could only dispute the XXXX charge and the 3 remaining charges that were made in XXXX could not be disputed due to how long it has been.
Consumer complaint received 2020-04-29
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

I have been file reports fraud to credit bureu and also the compnay for years, i am taking this last action before i file a civil lawsuit this is not my account and i have spent countless hours working on this with no resolve
Consumer complaint received 2022-07-14
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. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX