davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-08-24
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: AMERICAN EXPRESS COMPANY (TX)

I reviewed my credit reports at the beginning of XX/XX/2023. There were several credit inquiries that I do not recognize nor did I authorize for my credit to be pulled. I submitted disputes to all 3 credit bureaus and as a result I have a 1 year fraud alert on my profiles. XXXX was able to assist me in removing these fraudulent inquiries. However, XXXX and XXXX require me to submit this report online and to file a police report as well. 
The inquiries that are showing that are not mine are : 1 ) XXXX XXXX XXXX XXXX and was requested on XXXX - No knowledge of this inquiry 2 ) XXXX XXXX XXXX and was requested on XXXX, XXXX, XXXX - Credit pulled without my consent 3 ) XXXX was requested on XXXX - I do not recognize this whatsoever 4 ) American Express was requested on XXXX - I had no knowledge of this inquiry 5 ) XXXX XXXX was requested on XXXX - I had no knowledge of this inquiry I have contacted the companies in question during the month of XX/XX/2023. None were helpful at trying to resolve my issue. They would take my information down and then I would be hung up on.
Consumer complaint received 2024-09-14
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-12-07
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. (AZ)

Transunion hard-pulled my credit report on XX/XX/2020 without my approval. I was researching mortgage loans but I never authorized anyone, including Transunion, onXXXX to pull my credit report.
Consumer complaint received 2023-12-02
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. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (TX)

About mid XX/XX/2020 I paid off my American Express card and canceled, telling them to cancel everything from that point forward, A month late I recd an bill for less than {$50.00}, they stated it could have been a pending charge so I and paid it but again stated STOP /CANCEL any and all future charges, fees, etc. The balance was again was {$0.00}. Same thing happened again, but I refused to pay as the account was closed. A third call with XXXX  ended badly and they told me it would go to collections. XX/XX/XXXX I recd yet a third series of charges including {$80.00} of late charges, this time a young lady finally went through the process and canceled all, but was XXXX refused to waive the late fees. I feel I have been intentionally scammed. I was told initially when I canceled NO further charges would be incurred. It took a 4th person to do what I was told mid XXXX. They are turning over to collections and my very good credit will be harmed. I believe this is a company-wise policy to deceive and keep taking money from consumers. Could you help? 

American Express # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Consumer complaint received 2020-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had an incoming wire from a friend of my partner ( boyfriend ) in the amount of XXXX dollars from XXXX bank to Bank of America on XX/XX/XXXX. BoA filed a fraud alert and thought it was suspicious. I called and called getting switched around to multiple departments and my friend called chase. the problem was in the swift messaging system and BoA requested verification from my friend. She verified the wire transfer. on the XXXX, the amount had been approved and was in my account and I sent a wire out for XXXX to a private investment account. on the XXXX, the deposit XXXX was frozen or put on hold because either XXXX or BofA thought it was suspicious causing my account to overdraw in the amount of XXXX dollars. I had to deposit borrowed funds to cover the overdraft in the amount of XXXX. I am very upset about this. My account with BoA and my friends account of XXXX are now investigating the transaction. 

There was no fraud and we both approved and verified the transaction. I would like to file a formal complaint to get the XXXX back in my account so I can pay my mother back for the XXXX dollars. 

XXXX XXXX XXXX
Consumer complaint received 2020-12-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Submitted to the CFPB on XX/XX/2020 # XXXX EXPERIAN GAVE ME AS BASELESS EXCUSE AS TO I DIDN'T SUBMITT THIS ON MY OWN JUST SO THEY CAN SLOW DOWN THERE WORK LOAD THIS IS EXCACTLY WHY I AM SUBMITTING THIS TO THE CFPB. THIS IS NOW THE 3RD TIME AND I WANT MY CONCERNS ADDRESSES IN THIS LETTER ATTACHED. 

I HAVE RESEARCHED THE FCRA AND HAVE INCLUDED VERBAGE IN THE DISPUTE LETTER THEY NEED TO ABIDE BY
Consumer complaint received 2022-11-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose kindly do it payment as agreed or payment on time.
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC. (HI)

Chrysler Capital was my lien holder for my XXXX XXXX XXXX XXXX XXXX I paid on time for 16 months from XX/XX/XXXX to XX/XX/XXXX when the car was sold, and it never once was reported onto my credit report. Their website clearly states that they will report credit information to all 3 bureaus but they never once did. I called them every other month as I was paying on time to ask about this and they kept saying they will do it it but never still ever did. Later when selling my car after an accident the loan still hasnt ever been reported or shown on my credit report. Please help ; I got this car to build my credit and I need your help. Thank you
Consumer complaint received 2021-03-29
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. (NV)

I received an alert this morning saying that my credit was inquired. I signed in to the website to see that I had several requests on my report. I call in spoke with Rep she told me that its nothing that she could do that would come off in 2 years. I told her why do they say to call if they will not remove whats the purpose of having the app alert you if they can not help. 


the following inquiries I did not request. 
Transunion 1 ) XXXX  XXXX XX/XX/XXXX 2 ) XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX  XX/XX/XXXX 4 ) XXXX XXXX  XX/XX/XXXX 5 ) XXXX XXXX  XX/XX/XXXX 6 ) XXXX  XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AL)

On XXXX, and XXXX and again XXXXI sent a letters certified to Experian Credit Bureau tracking # XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX requesting the removal of inaccurate previous addresses be removed from my report immediately due them not belonging to me as I do not live there. Experian is still reporting this inaccurate information and will not remove it. I have been advised by the attorney general office to sue the credit Bureau due to 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 Experian sent me a so-called updated result showing my current address as well as a address showing on my account as previous. I keep telling Experian that address is not a previous address of mine. Experian told me to call the creditors and update the address with them and the creditors would let Experian know of the incorrect address and report the current address, however when I spoke to the creditors, they stated they had no info on me with the proof of identity I provided, and that I should Experian back and have them delete the inaccurate address. I am so irate with this going back and forth that Experian has given me. Experian is the only credit bureau reporting this inaccurate address.
Consumer complaint received 2021-03-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

I am being overcharged in my escrow account for almost 5 months now. I have tried about 100 times ( no exaggeration ) to get in touch with the customer service, the loan department, anyone at all, and I can never get through to speak to a live person. Their phone systems simply bring you into a never-ending automated loop, not allowing you to ever speak to a human being. I have sent in requests for calls back and assistance and have only received automated email responsed. 

I am fearful that I can not go on much longer paying the extra money ( that I shouldn't have to ) and will end up missing payments and possibly going into foreclosure. 

My statements show my escrow payout going up nearly {$200.00} in XXXX, which is impossible. 

I need help please, I am a United States XXXX XXXX Veteran and a first-time home buyer. 

I am at a complete loss here in how to handle this. 

Please help me. 

XXXX XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

There are unauthorized, credit inquiries listed on my transunion account I have attached copies of these inquiries to this complaint. 
I have tried to contact the creditors and transunion to fix this issue and neither have been any help
Consumer complaint received 2020-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One has reported late payment on my credit card for the amount of XXXX USD as it appears on my credit history. This has greatly damaged my credit score. I have contacted Capital One to clarify what it means to have a late payment of XXXX  ( XXXX  ) dollar. 
In response they told me the information is correct and that I had a late payment for XX/XX/2020. 

I've check my statements and I see that I have made payments as following XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$24.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$90.00} In XX/XX/2020 I made above the required amount, so I could not have a late payment, yet my credit history as of today show 1 missed payment in XX/XX/2020 for the credit card ending XXXX for the amount of XXXX dollar. 
I have never had any missed payment in my life and this one miss payment ruined my perfect credit history. 

This makes no sense, how can one miss a payment of XXXX dollar.
Consumer complaint received 2021-03-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was charged for an XXXX purchase on XX/XX/2020 for a camera that I did not purchase. The amount was for {$400.00}. I went through all the fraud claim steps and have been denied both times. The credit card company XXXX Bank of America XXXX is claiming that the item was delivered to me and it never was. A person named XXXX XXXX is the client advocate from Bank of America who has been assigned to my case and gave me the alleged USPS tracking number. I called the XXXX MA XXXX XXXX and spoke with a woman there named XXXX who is the head cashier. She looked into the USPS computer system and that tracking number does not exist. This is the whole basis for their denial of my claim. XXXX XXXX wanted me to make a claim with the XXXX police department which I have done and faxed it to him. I can not make a claim with the USPS because the tracking number doesnt exist. Its been over twXXXX weeks since I have done these things that they wanted me to do to help settle this claim. I have not heard back from these people whatsoever. They do not answer their phones, they do not call back, and this is the worst customer service and bank Ive ever dealt with. I have the proof that I did not make this fraud purchase yet, Bank of America is doing nothing. My internet system was hacked into and I have proof of that as well. Im about to take this matter to an attorney.
Consumer complaint received 2020-08-31
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. (MA)

Spoke to XXXX  XXXX in reference to my account ... ..the account status is listed as derogatory with all 3 credit bureaus. Agent states that it's up to the credit bureau to change the rating. I am requesting that the account status be changed from derogatory to paid. As XXXX  XXXX Agent advised me to do
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One continues to send me clickbait promotional pre-approval to apply for Credit Cards with no intention to keep my account open. This is the second time this happened that I applied for a Credit Card using a Pre-approval received in the mail, only for the account to be closed a week later. 

Capital One is taking advantage of vulnerable consumers who are working hard to re-build their credit history and are more likely to apply for a pre-approval for credit to start rebuilding their credit. I've spoken to someone from Capital One on XX/XX/XXXX, whom agreed that it's not right to send pre-approvals to consumers who are " blacklisted '' in the system with no intentions of actually keeping their account open, but there is nothing that can be done. 

This impacts my Credit Report, and now I have to wait 18 months for it to drop off. 

I also waited 30 minutes on XX/XX/XXXX on the phone as I requested to be taken off all promotional services advertisement in Capital One because they are misleading, but the Customer Service representative ended up NOT removing me and just telling me to call back at another time. They are not executing requests to be excluded from advertisements upon request by the consumer. 

Here are the notable events : 1. In XX/XX/XXXX, received a " promotional pre-approval '' in the mail from Capital One for a Quicksilver Credit Card. 
2. On or about XX/XX/XXXX, acted on pre-approval, received a Credit Card a week or two later. 
3. A week after having the Credit Card, my account was closed. I called in on XX/XX/XXXX and received no information. I filed a separate complaint with CFPB regarding the incident. 
4. On XX/XX/XXXX Capital One called me and said ( for the first time ) why I was removed which was some high level business reason ( no bad history with Capital One ). In any case, they said they can't remove the inquiry. They agreed its bad consumer practice to send advertisement to consumers that are blacklisted in the system, but said it is what it is. 
5. On the same call on XX/XX/XXXX - I asked to remove my information from any promotional advertisement, they transferred me to some department. I spent 30 minutes on the phone and the customer service representative ended up NOT removing my information and said to call at another time. 

In summary, there is some scheme going on at Capital One to open accounts ( maybe a business reason ) without intention to keeping them open and also to make it impossible from consumers to be taken off advertising lists.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (MD)

well Fargo account was close, this accounts still showing on my credit as account close Account Details Account status Paid Type Secured credit card Responsibility Individual Remarks Payment after charge off/collection Dispute resolved ; customer disagrees Times 30/60/90 days late XXXX Closed XXXX. XXXX, XXXX
Consumer complaint received 2023-08-21
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. (TX)

I have sent multiple letters asking for validation and the method of how they validated multiple accounts and questionable items on my credit report. the items that are listed on my credit account shows different balance and dates which are not matching and have not received back anything in over 45 days for these accounts that are clearly inaccurate accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/XXXX 
XXXX The following information is being reported incorrectly. 
Date of last activity shows 3 different dates, and it shows that two different companies owe the same amount. With two different balances. 
XXXX XXXX Shows two different original creditors that are not matching. 
XXXX XXXX shows account status open and the other say closed that's inaccurate. information XXXX shows 3 different dates XXXX shows 2 different balances XXXX XXXX 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. 
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.