davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a letter from XXXX XXXX, stating that they have ceased collection, on the XXXX account for XXXX. It still remains on my XXXX credit report.
Consumer complaint received 2021-01-29
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 (AZ)

On XX/XX/XXXX I noticed that my debt card was charged a total of {$460.00} .by fed ex .I opened a fraud claim with bank of america. They shut off my card and sent me a new one that I received 10 days later. So after I received my new card I was hit with fraudulent purchases again at fed ex again for a total of {$1100.00}. the bank told me that both times the card was physically used on site in XXXX Tennessee.. I have never been to XXXX Tennessee and the card has never left my possession. Its obvious to me that the fraud is an internal problem with the bank. Since I have never made a purchase ever at fed ex. Bank of america as of XX/XX/XXXX has denied the claims. I have not received the letter stating why the claim was denied yet
Consumer complaint received 2022-01-25
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. ()

XX/XX/XXXX Creditor : XXXX Amount : {$890.00} Collection Agency XXXX XXXX XXXX sent to my parents home address in North Carolina. This is my US address and I moved to XXXX with my husband and family in XXXX Sent all documentation of proof of my XXXX address, Passport, Permanent Resident Card, Utility bills and followed XXXX  ID Theft Claim Process as was advised Called all three credit agencies and out a fraud alert account Spoke to someone at FTC, but was not able to file a report or police report due to be in XXXX and no idea who has my Social Security number I was given information that the address was used XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Illinoisn XXXX for the months of XXXX XXXX ( I have lived in XXXX, XXXX, XXXX XXXX and bought my home in XXXX ) XX/XX/XXXX spoke to XXXX and was told XXXX was cleared up, however, it still appears on my credit agencies list of debts and is affecting my credit rating. 
XX/XX/XXXX Creditor : XXXX XXXX Amount : {$650.00} Collection AgencyXXXX XXXX Letter sent to my parents home address in North Carolina , I called XXXX XXXX and explained the situation, they asked me to fax over proof of my address in XXXX and ID documents etc, which I did. I also sent the XXXX information. 
XXXX XXXX made me aware it was the same address in XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thought I had taken all steps to recify this situation. I was not able to file a police report. I do not live in the US. I live in XXXX and it has been Covid. I have no idea who is commiting these crimes. I called all three credit agencies and the FTC and put all alerts on. However, in XXXX of XXXX, I just recieved a new collection notice. 

XX/XX/XXXX Creditor : XXXX XXXX  Amount : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX A letter was sent to my parents house in North Carolina in XXXX, XXXX addressed to me. 
I called XXXX and they made me aware this was the SAME address in XXXX ... this person is still using my Social Security Number for over 2 years to open accounts. 
They opened XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX. 
The address is XXXX South XXXX XXXX XXXX  XXXX, XXXX IL XXXX I called XXXX and let them know. 

Can you please help me?? This is severly affecting my XXXX XXXX I want to cancel my Social Security number.
Consumer complaint received 2021-05-28
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. (GA)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$670.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2000.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Consumer complaint received 2021-01-29
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. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESES COMPANIES, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.
Consumer complaint received 2022-09-26
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. (FL)

These three credit bureaus are causing me physical harm with there reportings of negative and hard inquiries all over my credit report. They removed these inquiries after our first letter then they added back these negative inquiries which caused my score to drop tremendously in the middle of a deal. These are law violations, privacy violations, through multiple channels : Federal credit laws including the Truth in Lending Act ( TILA ), the Fair Credit Billing Act ( FCBA ), the Equal Credit Opportunity Act, the Fair Credit Reporting Act ( FCRA ) 609 of the FCRA or Fair Credit Reporting Act, and the Fair Debt Collection Practices Act ( FDCPA ) .. laws that govern reporting of this nature I am requesting an authorization document showing I gave consent to report my personal information publicly. Your reporting is causing me major compensation that I intend to retrieve. If you fail to resolve this issue. My next step will be an audit and notifying all the above channels of your actions along with the Department of Transportation.
Consumer complaint received 2022-01-25
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (MA)

I was the victim of fraud with Comenity Capital Bank/ XXXX XXXX XXXX XXXX They signed me up for a mortgage which I had no knowledge of and now its on my credit report. I never received any credit from them and didnt even realize I had an account with them until I checked my credit report more thoroughly. 

The information below is what was in my credit report, I have no idea of the account number or any other details because I never even knew that I had an account. 

Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type MORTGAGE Creditor Classification Loan Type CHARGE_ACCOUNT Original Creditor Name Months Reviewed 11 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$1000.00} High Credit {$0.00} Available Credit {$1000.00} Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency Comments and Contact
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/XXXX, I purchased soccer tickets on XXXX. I paid {$400.00} with my Apple credit card, issued by Goldman Sachs. Those tickets were never delivered. I complained to XXXX, and in an email they admitted that the tickets were transferred to the wrong fan. Yet they failed to reverse the charge. 

I provided this information to Apple Card. They denied my dispute because the goods or services allegedly were provided. That is not true.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

The CRA 's have continuously added fraud alerts, blocks, security freezes to my credit file. This is a violation of FCRA regulations. Please immediately remove these alerts Without my phone number these alerts are useless. Please sent me proof the I requested the alerts.My recent disputes specifically requested NO added fraud alerts, blocks, security freezes. The FCRA permits a penalty up to {$1000.00} for such violations of my consumer rights.
Consumer complaint received 2021-01-29
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: EQUIFAX, INC. (GA)

Good Evening, My query is with Equifax Credit Reporting Agency. I feel my file have not being handle according to FCRA. I am victim of identity theft, in which I have presented Equifax with police report, FTC identity report, theft affidavit etc.I was told by Equifax fraud department accounts would be blocked after filing identity theft report. However, several years have past, accounts have re-appeared on my file.Consumer Reporting Agencies bear grave responsibilities to ensure accuracy of the accounts they report on their files, responsibilities must consist of something more than merely parroting information received from other sources. Both Equifax and Creditors are well aware of my incident pertaining to identity theft. " Re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ) .Equifax have ignored my request to provide me with the documents that they have in there files that were used to verify the fraudulent accounts, which means that they have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to PROMPTLY DELETE all information which can not be verified. Equifax also failed to notify me 5 days prior to reinsertion of the following accounts as per FCRA. I Did open these accounts, I have provided Equifax with my documents. I have not receive any proof that the alleged accounts listed in this complaint are in fact belongs to me.
Consumer complaint received 2021-01-29
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. (PA)

From my understanding under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts : XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) : XXXX
Consumer complaint received 2022-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (OH)

I got behind on my car payments due to be laid off work during Covid, I filed chapter XXXX so I could keep my car because they were threatening to come and get it but work was still slow and my XXXX was XXXX XXXX  XXXX XXXX so I had a XXXX XXXX issue I was dealing with got behind on my chapter XXXX payments so the court dismissed my case and I called CNAC to n mom she arrangements on my payment but they would only only agreed to giving me a week to come up with XXXX fir the 1st week and 150 each additional XXXX XXXX XXXX of course I couldnt come up with the XXXX so they put my vehicle up for repo and continuously call my phone 10-15 times a day sometimes back to back, its non stop from XXXX right on the dot to XXXX XXXX. can something be done about this? I Feel like its harassment what youre doing to me they call using different numbers after they just called from credit acceptance, it happens every single time
Consumer complaint received 2020-09-03
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. (VA)

To Whom It May Concern, I signed up for XXXX XXXX ( Agreement ) with XXXX, such agreement was never reported on my credit report until this year. XXXX was acquired by XXXX. However, this agreement now reflects a " loan ''. No where on my agreement with XXXX agreement states that this agreement was a " loan '' nor was there a " Truth in Lending '' statement. Such action is a violation of the Fair Credit Reporting Act and Truth in Lending Act.

Regards, XXXX
Consumer complaint received 2024-10-16
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: Experian Information Solutions Inc. (CA)

Good day, there are inquiries on my credit report that I don't recognize nor have applied to, I did not authorize these nor given consent to the companies to pull up my credit report. It is stressing me and making me XXXX on why and how this happened.
Consumer complaint received 2021-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

On XXXX XXXX I received via mail that my loan from Dovenmuehle was being transferred to XXXXXXXX XXXX  on XX/XX/XXXX. My next payment is due on XX/XX/XXXX and I was to send my New payment to : Attn : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Tx XXXX. At the end of the letter there is a bogus date of XX/XX/XXXX, so somehow it took 14 calendar days to reach me in the mail. I was instructed to send my payment due on XX/XX/XXXX to my new processor and there is no instruction on who I should make the payment out to. The address doesn't even have a company name associated with the address. I logged into my Dovenmuehle online account and there is no notice in there letting me know my loan has been transferred. Also the new loan provider XXXXXXXX XXXX  has sent me zero information about where to send my payments. I made a payment to my old service provider Dovenmuehle on XX/XX/XXXX so I can avoid any late fees with the new provider. Even if I were to send a check in the mail the day I got this notice I doubt it would make it to the new loan servicer by the due date of XXXX XXXXXXXX, XXXX. I'm sure there is a grace period with loan transfers, but this is ridiculous that I have to jump through a bunch of hoops to figure out where I make my new payments. Tried signing up on the XXXXXXXX XXXX for online services and it says my account isn't eligible. So I get a notice that my loan has been transferred, but I was not provided who I make a new payment out to and all I'm given is to send it to Cash Processing ... ... XXXX? At first I would think scam but my current loan servicer shows my automatic payments are shut off so I going to assume the transfer is in progress. Only thing I can figure is my current loan ( XXXX ) servicer does this every year right before Taxes are due to the county you're in so they can hold onto your escrow funds for as long as they can to earn interest on those funds before sending them to the new loan servicer. My loan was sold to Dovenmuehle in XXXX XXXX and they sold it again in XX/XX/XXXX ... .why do I have to go through all this effort just to pay my mortgage????
Consumer complaint received 2024-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WA)

XXXX times since XXXX I have attempted to transfer to the SAVE plan. First time in XXXX I was told I make too much. XXXX month at XXXX. OK. then again the next month I tried again this time I was told I was in the allotted amount to qualify for the SAVE plan. Great! my payments went to XXXX. several more months go by and I call to get help getting online. I then find out I am not on the SAVE plan but am enrolled in the IDR plan. Once again I am told I am reenrolling you in the SAVE plan only to NOT be enrolled and still remain on the IDR plan. About a month ago I found this out. Upon finding out after calling customer service again because my plan should have been in forbearance if under the SAVE plan and the automatic deduction from checking was still taking place. At this point I was told only a paper SAVE plan could be done at this point online SAVE plan was no longer available. An application would be mailed to my home address. It's been a month. Still nothing. This loan is from XXXX  for XXXX and has gone to just under XXXX I believe there is something wrong here. What do you guys think? XXXX XXXX
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

On XXXX XXXX, 2022, an unauthorized transaction was credited to my debit card for {$40.00}. I reached out to the financial institution via phone call to dispute the transaction on XXXX XXXX, 2022, as well, and I was informed that an investigation would be started. I received a letter from the financial institution dated for XXXX XXXX, 2022, stating that the transaction dispute has been resolved and no error occurred, and that the transaction is valid. As stated before, I did not authorize this transaction and pursuant to 15 USC 1693g ( b ) - the Burden of proof is upon the financial institution to show that the electronic fund transfer was authorized by me the consumer. The following financial institution has failed to provide me with any proof that the said transaction ( s ) was in-fact authorized by me pursuant to the key elements under 15 USC 1693g ( a ). As law states, pursuant to 15 USC 1693g ( e ) - Except as provided in this section, a consumer incurs no liability from an unauthorized electronic fund transfer. I did not authorize this transaction, and this financial institution has not provided any investigation proof that I did in-fact authorize this transaction. My funds ( {$40.00} ) shall be returned to me immediately.
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/2021 Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern I previously held two credit cards backed by your organization ending in XXXX and XXXX. Apparently there were prescheduled payments on file that were returned to you as the result or large authorizations while providing in light of care for father. 

I was advised to provided a copy of the obituary to have account restrictions removed and accounts reinstated. The sadness of it all is that this still to this day has not happened. I never miss a payment one of the two accounts is within {$50.00} of completely being paid off and the other is always paid early. Do you know gut wrenching it is to see customers that run up large balances and charge off with you get approved months/years later but I pay on time and early incurred confusion as a result of something I was not even made aware of and I am blacklisted?? 

As an added measure of sadness I have provided obituary for proof as well. Please do the right thing lift the restrictions and reopen. I have been a model customer prior to and ever since. Multiple supervisors stated there should not even be a restriction here but yet here we are. 

I loved Capital One during my time this is so disheartening. 



Sincerely yours,
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-10-12
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. (LA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.