davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent several disputes via mail to XXXX, XXXX  and Transunion and no one is responding to my disputes and its been at least 3 months ... By Law these credit bureaus are required to research and respond to all dispute requests and they are not doing their jobs. I want these below items disputed and results sent to me within 15 days.

Dept of Education-XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust Dept of Education- XXXX Never paid late- Please adjust XXXX Loans- XXXX Never paid late- Please adjust XXXX XXXX XXXX Never paid late- Please adjust XXXX XXXX XXXX XXXXXXXX XXXX Never paid late-Please adjust XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX - XXXX Unverified Account XXXXXXXX XXXX XXXXXXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX
Consumer complaint received 2022-08-12
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: HSBC NORTH AMERICA HOLDINGS INC. (MA)

HSBC Bank conspires to oppress my rights as a consumer with their associates XXXX in their criminal enterprise. They are violating GLBA and FCRA by continuously furnishing my consumer report without my consent and stopping the removal of negative and inaccurate information. Even after the inquiry was confirmed to be removed by XXXX the inquiry remains to be there. They are deceiving me with false information. Please see attached notice.
Consumer complaint received 2021-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

Before I had credit I kept getting these random calls from Evergreen Professional Recoveries. They would say they were calling about an important business matter or a financial issue or something on the lines of being Vague enough to peek my interest. They would not specify anything unless I gave personal information! These things included full name, date of birth and an address. All things I consider sensitive information and I even felt they would ask to get my Social security number. If they really were calling me for this issue they would already have these on file. For the past year or so I thought they were total scammers trying to steal my personal information because they would not fully disclose the nature of the call and had the audacity to ask for such personal information. 
I have ignored their harassing phone calls which even disrupted my work at times! I work as a XXXX and it they had disrupted me trying to call the hospital when giving a short report of a XXXX! 

I have no debt and have not even had an X-Ray done for quite some time and that was filed under XXXX XXXX XXXX. So, I have no clue where this debt could have came from nor have gotten a WRITTEN NOTIFICATION even at my old place of residence which my mother still resides at and she received nothing over the time frame of this harassment starting. 

And now they are damaging my new credit score which is only 3 months old! They keep changing the information about when the debt was due as well it seems. I dont understand and its frustrating. I have disputed them with XXXX  once and it got deleted. Multiple accounts. This time it was just updated. I dont understand how that is legal to harass someone like this and mess with their lively hood. I even looked this business up on the XXXX XXXX XXXX and have seen reports of them being scammers, not taking off the reports of peoples credit when they have been paid, and just over all shady tactics. So I refuse to give any information or pay a dime to these people. And interesting enough when I called them every time itd go to their voicemail. So I have been unable to resolve it with this company and its an issue. Can you please help me clear this up? Its gone on long enough. Thank you for whoever is reading and have a good day!
Consumer complaint received 2021-07-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

On XXXX XXXX I had a boyfriend named XXXX XXXX XXXX - I believe? I thought he told me he was putting his check.in my account to help me pay Bill 's and then I thought he said some of it would go to his friends. I dont what happened clearly. I thought it was just his check and then he'd give some to his friends. I was stupid and naive and am now in counseling for my stupidy. I am getting over severe XXXX and my mom died from it and I did too. I'm just now recovering. So I made some poor choices. Anyways the next thing I know I have 5 people in my account with a wire transfer. I never thought that would happen. So now a XXXX named XXXX XXXX out of XXXX is threatening FBI and the cops for his money. As he was on the wire transfer. I never thought this would happen to me. I dont have his money. I dont know what the bank is doing with the money. They hardly answered me. I even got hung up on. So like the scammers got scammed in my account. I want the money gone back to its source. They all called me a liar and I am a XXXX as a veteranXXXX XXXXXXXX accent is so strong i misunderstood him. They have him almost XXXX XXXXXXXX out of XXXX. He made his mistakes and shouldn't be punished. They are cruel commanders and threatening FBI. And I'm innocent. A clean heart. Thank you please assist in spite of my mistakes. It's still wrong XXXX XXXX XXXX XXXX XXXX. Dob : XXXX. Last four of social is XXXX. Email is XXXX Ps its wells fargo case # XXXX XXXX XXXX.
Consumer complaint received 2021-07-10
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. (LA)

I've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports an inaccurate account that has not been investigated, nor a notice of dispute recorded, This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred.

2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report.

3. I will be requesting the recording of that call that took place XXXX XXXX XXXXXXXX 4. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In about XXXX or XXXX of 2021, I started receiving correspondence from Bank of America about an account that I had not opened. I called in XXXX and yet I still receive statements. Perhaps in XXXX I contacted the CFPB, and the bank has responded as of XX/XX/2021. 

Their response does not address the fact that I never opened this account and would like it closed. Instead, the letter says that they have " accurately reported your account to the consumer reporting agencies ''. 

They state that this is not being reported on my file and the letter gives the information for XXXX  and XXXX. However, they will not close this fraudulent account.
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (OH)

I have my bills on automatic bill pay for my THREE Synchrony Bank accounts. TWO of them are JCPenney and Amazon. On XX/XX/2021 I got a barrage of calls from Synchrony Bank telling me that my account was past due. BOTH payments went thru on XX/XX/2021. I was called AGAIN on XX/XX/2021 to make ANOTHER payment after my payments for BOTH accounts already were PAID for that month. I spoke to one call rep who asked me to make a payment. I told him that I will make another payment on XX/XX/2021. WITH OUT my authorization he attempted to make ANOTHER payment for the XXXX AGAIN for JCPenney and Amazon causing my checking account to over draft with fees plus the payments did NOT go thru resulting in my JCPenney to be closed due to THEIR error of their call rep taking those TWO unauthorized payments and it ending up on my credit reports. I had to file a dispute with all 3 credit bureaus. 

They made repeated calls to my phone from XX/XX/XXXX thru XX/XX/2021 and when I asked about what was going on they said they had a computer glitch and that was the reason for the phone calls but the calls kept on coming. Since XXXX I have talked to over 5 to 6 different call reps about my account and I keep getting the run around, the problem is not solved.
Consumer complaint received 2021-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (MO)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OK)

I wrote directly to the US BANKRUPTCY bank in XXXXXXXX XXXX & was advised they did not report or furnish info to ANY BUREAU .. I then wrote XXXX XXXX regarding the issue & today XX/XX/21 I confirmed they have removed all bankruptcies from my file XXXX your report individually states you fraudulently obtained & published by your bureau. 
1. XXXX XXXX stole the info and didn't have a permisseable purpose to report it. pursuant to 1681b. ( 2 ) REMOVE MY STOLEN INFO REGARDING BANKRUPTCIES from your file
Consumer complaint received 2022-08-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AR)

EXPERIAN, XXXX, AND XXXX FAILED TO INVESTIGATE MY DISPUTE ON THE MULTIPLE inaccuracies on my credit report. They have failed to do their job when it comes to challenging alleged negative items on my credit report. 

They failed to do there job, which is causing severe damage to my character and my life. 

Ive sent them multiples of letters and they failed to do their investigation. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 

They violated my rights under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation.
Consumer complaint received 2022-02-22
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I do not remember the date. But I was trying to update my last name because I got married. The agent told me I had to send a copy of my driver 's license and my full card numbers in the mail. Where someone else could get a hold of them. Where I could be at risk for identity theft. Otherwise I would have to fax everything over. No customer I know has a fax machine at home. Capital One is making it difficult to update a name, which should not be the case because women get married all the time. Pretty sure it is a violation of law : Consumer Privacy Act.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: NAVY FEDERAL CREDIT UNION (CO)

My husband and I bank with navy federal. We recently sold out house and receive a {$2900.00} check that we cashed on Sunday XX/XX/XXXX and we called on XX/XX/XXXX to make sure the funds were going be receiving the funds because we have car payments that were coming out soon. They said it should come out between the time frame of XXXX to XXXX standard time that night. We wake up on Tuesday XX/XX/XXXX with our account negative {$5500.00}. We instantly called the bank, my husband called before I did because he has XXXX and I was asleep. But, the lady on the phone with my husband wasnt comprehending there was no way our account was negative that much and she basically told me husband to control his spending. He told her theres no way with the payments we recently made that our account would be negative {$5500.00}, the lady finally found the issue and it was because of our check, she had informed my husband that the check was on a hold a due to the mortgage company sending a confidential message to not release the funds so as soon as I heard that I got on the phone with the mortgage company and they had no idea what this lady was saying, they read the check number off and even said they should not be having issues with the check. My husband gets very upset with the lady because how are we getting penalized for a check we cashed and they are the ones putting the hold on it. How is our account negative because of that. So she winds up transferring her to the manager and the manager basically told us there is nothing we can do. They wouldnt let us know what the confidential message was about even though it was about our account and our check. All together my husband and I are going to pay off all our loans and transfer banks because we have pills and car payments coming out and now our credit is going to get messed up because navy federal can not release our funds and can not give us a very good reason on why not because the reasoning changed 2 times with the female and then 2 times with the manager. We have had nothing but issues with this bank and we are done. We do not recommend banking for a with navy federal they claim they help the troops but couldnt help my husband at all. ( He is XXXX XXXX XXXX )
Consumer complaint received 2022-11-20
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 XXXX more than 21 times. XXXX 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-09-19
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. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (MD)

Lendmark company has falsely reported me to XXXX  and XXXX  that I am owning {$1.00}, XXXX. My records show that I have paid off my loan to this company. I paid off my loan of {$8100.00} on XX/XX/XXXX following some advice by the company customer service staff. On XX/XX/XXXX, I was approached that I owed an interest of {$91.00} which I also paid immediately. My bank account can confirm these payments. I also sent a letter to the office location in XXXX to confirm that I have totally paid my loan, but I did not receive any response from this company. On XX/XX/XXXX, I had a telephone conversation with one of their managers Mr. XXXX XXXX about this concern and he apologized and assured me that he would discuss the problem with his supervisor and get back to me, but he never did. Instead, the company sent a report to credit companies claiming that I missed payments which has adversely affected my credit history. 
I would appreciate if you could please investigate this matter.
Consumer complaint received 2021-10-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have sent multiple letters to XXXX, XXXX, TransUnion and XXXX XXXX to remove 1 late payment and no one has responded to my inquiries or helped me. I know I am supposed to receive a response within 30-60 days and it has been longer than that. The late payment is a billing error and is a violation of my consumer rights.
Consumer complaint received 2021-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I received an ACH payment for my 2nd draw of my PPP Loan. I went to my local Bank Of America branch to try to withdrawl the money and a XXXX hold was put on my account. They told me they had to verify wether the loan was in my name or not and to come back in 24 hours. The next day I call the fraud department that they tell me to call and the representative tells me they are still confirming the loan. After hanging up I try logging on to my mobile banking only to realize that I no longer can access my account. I proceed to go into the branch and the manager tells me my account has been closed. Its been only 24 hours and now my account is closed without any explanation as to why and they are telling me it will take 90-120 days for the investigation to finish before my funds can be mailed to me. They will not allow me the chance to prove my transactions are legitimate nor will they even give me a clear answer as to why it was closed.