davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX CT XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX .... Balance : {$50000.00} ; XXXXXXXX XXXX  DELAWARE XXXX .... Balance : - XXXX XXXX  XXXX XXXX XXXX .... Balance : - XXXX XXXX  XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2021-12-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

In XXXX Bank of America closed my account for no apparent reason. I have tried to get this issue fixed through numerous trips to financial centers and calling over the phone and each time i get a different answer. I have never had any negative business with Bank of America. I have held XXXX credit cards and my mortgage is currently with them. This is absolutely ridiculous. I recently attempted to open an account online to become apart of the preferred rewards program to use some of the perks when it is time for me to purchase a new home in XXXX. I got a message that i needed to go into a branch and present my ID. I did this and banker says she can not help me and that i need to call some phone number which starts the whole ferris wheel over again.
Consumer complaint received 2022-07-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

In XXXX I lost my Job. I was unable to make payments towards my Bank of America FIA card service line of credit. The accound was charge off in XXXX of XXXX and sold in XXXX of XXXX. A couple months later I was contacted by XXXX and XXXX. I was offered a settlement but I was unable to accept the offer due to the fact I was still unemployed. They suied me and got a judgement against me. 
I tried contacted FIA Card Service to try and settle the account. I was not able to contact them so I contacted the law office of XXXX and XXXX. I spoke to a XXXX XXXX he was not willing to assist with me since a garnishment was against me they wanted a one time payment.
Consumer complaint received 2022-12-15
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. (TX)

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 accounts 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 Accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-10-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NC)

requested debt validation from jefferson capital after they sent me written notice that they were a debt collector on behalf of XXXX XXXX XXXX. I asked for validation of debt or proof of debt owed to them. They were unable to do so and did not send any kind of contract that i had with XXXX XXXX XXXX  or proof that jefferson capital had a contract with me to pay them. They called numerous times i requested that they stop calling me and send me proof of debt and they did not they just continued to send me bills and report on my credit report
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-06-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have on several occasions disputed the validity of the Bankruptcy on my TransUnion report. I submitted dispute in XX/XX/2022, whereas TransUnion returned a verified by secondary furnishers. See Attached. Therefore, they have violated my rights as a consumer based on 15 USC 1681c that states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) cases under title 11 or under the Bankruptcy Act that from the date of entry of the order for relief or the duster of adjudication as the case may be antedated the report by more than 10 years. '' Also Section 623 ( a ) ( 1 ) ( A ) of the FCRA provides that a person shall not furnish information relating to any consumer to consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Also in section 623 ( a ) ( 2 ) of the FCRA provided that a person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnsihed to a consumer reporting agency of that determination and provide to the agency any corrections to the information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I paid the debt off through the settlement of the company that currently has the debt.. Portfolio Recovery Associates. Portfolio Recovery Associates in fact sent me a letter stating the debt was paid in full on XXXX XXXX however, XXXX, XXXX and XXXX continue to share the erroneous debt and amount on my credit report. I have repeatedly disputed the debt and called numerous times and it still appears as a outstanding debt affecting my credit and score. I have spoken to XXXX XXXX XXXX XXXX, Portfolio Recovery and XXXX please assist.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : -XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a loan with Bank of America. We agreed to terms on a modification agreement, the agreement was supposed to start in XXXX, 2022. I made my payments during the trial period. I have proof of mailing that the modification agreement was sent to them. Bank of America now is saying they have no record of the agreement on file and my loan is in default. Bank of America is currently sending me paperwork for a new proposed modification agreement but the interest rate is substantially higher than the last agreement.
Consumer complaint received 2021-09-22
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: EQUIFAX, INC. (NC)

I had fraud alert on my three credit reports however somebody was still able to get up to 45 inquiries on my equifax I wrote and disputed it and told them it was fraud the other agencies helped me and removed them however equifax argued with me transferred me four times and then the manager hung up on me ultimately which was discouraging In addition I have uploaded the FTC report they requested by their dispute portal as well as I faxed it over and mailed it certified Mail they still are not refusing to remove the inquiries I have been calling every other day
Consumer complaint received 2021-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (VA)

I am a current customer of One Main and I was seeking to get another personal loan that pays off my current and the remainder will come to me. I know for 100 % One Main allows over the phone close even for people that DO NOT have a active account with them. I was REFUSED this option. NOTHING changed since I received my first loan ( address, employer, bank account ). I even have my loan payment taken out of my account automatically. I travel for work and when I'm home it's really late or the weekend. When I spoke to the representative at the XXXX Virginia Location, I told her it will be a couple of weeks before I come home and she said well you can't do it over the phone. I asked if my mother can sign for me since she has power of attorney, the rep said that they don't do power of attorneys. Then the rep said you are just going to reapply when you are in town. I told her that I didn't want multiple inquiries on my credit, the rep said that she could not help me with that. I have had family members and friends close their loan over the phone, and they weren't an active customer. To clarify they have done this at the XXXX Location and other locations in the state of VIRGINIA. Why does an employee get to pick and choose who they can assist? Is it because I'm a man? XXXX? Age? ( These are the differences between me and the other people that I know received preferred treatment )
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (VA)

Hi, my name XXXX XXXX I recently submitted a complaint to XXXX about source receivables management which the collection doesn't belong to me and it is not mine. I have reached out to all 3 bureaus however, XXXX neglects to respond and leaves this debt collection that is invalid and I have had no business with this account on my report.
Consumer complaint received 2022-07-15
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. (AL)

In accordance with The Fair Credit Reporting AcXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Bank Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. They are harassing me constantly and causing me stress, because of these reporting I have been denied of Mortgage loans and high interest rates on Automobile loan. 


15 U.S.C 1681 Section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-15
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. (CA)

I asked for an examination of the challenged account, which the Credit Bureaus said was verified, in writing on XX/XX/2022. I used certified mail to get in touch with the data provider for the prior month because I felt they didn't thoroughly investigate my complaint. They were responding in a way that demonstrated my accuracy. Records kept by the credit bureaus demonstrate that it was false. I'm currently filing this complaint in response to the Credit Bureaus ' most recent investigation. I disagree with their conclusions and demand that the account I am contesting be given in its entirety. I am now requesting additional information from the credit bureaus about these specific accounts in question because I am not confident that enough was done to genuinely contact the creditor who is disclosing this information on my report. XXXX XXXX XXXX XXXX : {$650.00}.
Consumer complaint received 2022-12-15
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)

I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Transunion has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Transunion. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION (FL)

I started receiving notices from BB & T at the beginning of this year about " my account '' being over drafted. The problem is that I have never opened or owned an account at that bank at any time. I contacted the national number and reported the issue but it never got resolved and so I went to the local branch. Spoke with agent there who set up a meeting with the branch manager who then never showed up to the meeting. Once again called the company number and they assured me they would close the account but then started receiving the notices again. Despite multiple efforts to rectify the situation and talking to multiple agents at BB & T, either the account never got closed or they just kept opening up new ones as I continue to receive notices of problems with " my account. '' I locked my credit with an XXXX  account and disputed the account there and was told that when XXXX contacted BB & T to file the complaint on the account, BB & T told them that all the information was accurate on the account and there were no errors and the account was valid. Some person out there is using my personal information and identity to open multiple accounts through this bank and the bank refuses to acknowledge the identity theft, close the accounts, or prevent new ones from being opened in my name. Have contacted my attorney, filed a report with identitytheft.gov, and also filed a local police report and still the problem has not been resolved.
Consumer complaint received 2022-09-24
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. (NY)

Experian is committed fraud against my Trust and Estate Full faith in Credit by reporting false information on my report. I aquire my home at XXXX XXXX XXXX XXXX NY XXXX, on XX/XX/2020 via Promissory Note which is to be considered to be the same as cash in accordance with 1882 Bills Of Exchange Act. The Debt has been paid in full, The Debt of Exchange has been signed, sealed and delivered to XXXX XXXX XXXX XXXX, its not fair that Experian are allowed to report this fraud against my Trust and Estate
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX Name : XXXX XXXX XXXX, XXXX, XXXX EMPLOYER : XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX Balance Owed : {$150000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX  XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$4700.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} Experian NAME : XXXX XXXX XXXX XXXX EMPLOYER : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX Inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX Balance Owed : {$150000.00} XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$830.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$24000.00} XXXX XXXX Balance Owed : {$4700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$220.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX Employer : XXXX XX/XX/XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX Balance Owed XXXX {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$9100.00}
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (WA)

On XX/XX/2021, I, XXXX XXXX, had a total of {$1900.00} into my chime account in which I could not get into. I called chime customer service and ask why my account was lock and they said that someone is tampering in my account and if I wanted back open then I will have to show proof in which I did on XX/XX/2021. I tried to get into my account but would not let me in but notice that my money was taken from my in which has shown on my notification popup on my phone. 
All but {$34.00} has been taken out of my account. I sent all my details on who has entered into my account in which I finally was able to get into my account on XX/XX/2021 in which I had to show them the second time my proof of identity on XX/XX/2021. I have been dealing with chime up until now in which they have locked my account on XX/XX/2021 and they haven't said nothing about my money being refunded nor they haven't open my account.