davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Delete these accounts now I didn't receive proper documentation from any of the companies as I requested and the 15 day timeframe they had has expired. Due to lack of proper communication I demand these accounts deleted immediately or I will file for litigation for my rights as a consumer have been violated and I am devastated by your lack of help to the consumer. My credit is very important to me and my rights are being violated and I am in a serious XXXX due to this situation, handle this matter to my liking or I will take further action to get the results I demand. I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a single mother.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AR)

Comenity Bank ( now Bread Financial ) supposedly had issues with their system upgrade starting back around XXXX or XXXX of XXXX When I tried to log on and pay my bill in XXXX I discovered the issues, which the company readily admitted through social media posts and comments to customer complaints listed there. I was finally able to log on and made a minimum payment. My account has always been in good standing. However, in XXXX this company hard-pulled my credit WITHOUT MY PERMISSION and NOT PER MY REQUEST. I decided at that time I might be in danger of identity theft and placed a credit freeze through XXXX, paid off the entire Comenity Balance and closed that account. Though the company did send a physical letter to my home address stating the account was closed and they would report to the credit bureaus, they have not done so now close to three months later. Not only does this account still show as open on my credit report, it shows that I owe a balance. This company also tried to charge me interest and late charges when the pay-off was made well before the due date and never been late. I did finally get them to refund those charges. Today I called again and asked why they are showing this as an open account and with a balance. I could not get a straight answer as to when it will be removed on my credit report, and these are unfair, corrupt and possibly illegal credit reporting practices.
Consumer complaint received 2024-12-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Strategic Alliances, Inc. (UT)

hi, I was out of work when i got sick in 2017 and treated by XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX, Utah. I could not pay the full amount and attempted to set up a monthly installment payment but they transferred the account to First Financial Investment Fund VI, XXXX who then sold the account to XXXX XXXX XXXX XXXX XXXX XXXX 

the original amount was about {$3200.00}. Now I am told {$6300.00} in total. 

I attempted to ask the question why the amount is almost double and was told they could not give me the information. 

My file with XXXX XXXX Firm is XXXX XXXX  Law Firm contact is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX.
Consumer complaint received 2023-01-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIRST HAWAIIAN, INC. (MD)

IN XX/XX/2022, I called First Hawaiian Bank ( FHB ) for a payoff amount to pay off the rest of my loan. I dated it for 2 weeks in the future to allow for time to cut the check and travel time to Hawaii through the USPS. After a couple of months, I called FHB to inquire on the status of our title because we had not received it yet. Come to find out, my check was not cashed until 3 weeks after the check had been cut and there was a {$3.00} balance on my account. I offered to pay the remaining amount and wanted their guarantee that this would be the last payment. However, they agreed to write off the balance, and informed me that since it was at the end of the day, her manager would write off the amount the following day. Another month passes by, and we have yet to receive a title or any acknowledgement that our loan has been paid in full. So I call back again, mind you everytime I call, I have to sit on hold for at least 45 minutes to speak to someone. They again tell me that nothing is owed and I should receive the title soon. Again, nothing received and on top of that, they reported our payment being 30 days late to the credit bureaus which negatively affected our credit score. I set up payment of {$10.00} to be sent to FHB because I just want to be done with this and I called again. They informed me that my loan has no balance and that the reporting of the late payment would be corrected in the following month. We finally did receive the letter stating the loan was paid in full in XXXX but we also received another derogatory mark on our credit stating our payment is 60 days late. It is ridiculous how much time has to be wasted because the employees of this bank are incompetent. I will NEVER do business with them again.
Consumer complaint received 2022-10-01
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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.
Consumer complaint received 2022-10-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (MI)

As guided by a friend who is also a victim of this scam, first, I transferred $ XXXX to my Coinbase wallet from my XXXX account and buy the XXXX cyber currency. Under the browser tab of the Coinbase wallet app, I was referred and logged in to XXXX XXXX XXXX and transferred all of the XXXX there to " make a profit '' under their AI system. After about a month, there was an accumulated cyber currency in my account, but it forbid me to transfer them out to my Coinbase wallet. After I complained to their online customer service, they froze my account which has a {$44000.00} currency balance
Consumer complaint received 2023-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Global Lending Services LLC (TN)

At the start of the year me and my girlfriend got a car from a used lot. It was our first car purchase ever. Unfortunately we were lead to the XXXX  that they claimed was a steal for the price. It was listed at {$34000.00} but after it was said and done it ended up at {$42000.00}. The only issue is when we were running our credits I had none and my girlfriend had a score in the 500s, we shouldnt have been able to get that car. I made {$2800.00} a month and my girlfriend wasnt working. After paying my monthly payment, gas, insurance, rent, and food. We were almost negative monthly. It clicked to me that during the credit runs XXXX XXXX from XXXX XXXX XXXX, told us he told the lenders we made {$4000.00} each a month. This didnt click to me as a bad thing cause I got my dream car. Now Im {$15000.00} in debt to a company that the salesman lied to. Global Lending LLC, they are the lenders we owe. We dont blame them as our salesman lied, he may try blaming us but we showed him our bank accounts and money flow.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CrossCountry Mortgage LLC (MA)

Payment history should not have any payments showing late which was not late .Deferred payments should not be affecting my scores. 
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2023-01-26
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo customer for over 20 years. My account has experienced all the issues, with the exception of mortgage account, that Wells Fargo is being fined for. I have emailed WF regarding status of the settlement and that they did not communicate effectively for past settlement action that I would of been a part of. I emailed XXXX XX/XX/2023 and XX/XX/2023 and they stated the deadline has passed for fraudulent account issue. They requested my mailing addresses as I discovered their notifications in my spam folder. No response. I called the number offered on the website regarding the newest lawsuit and reported my concerns as they failed to contact me in writing for the last settlement action. 
Now they are stating that customers who were affected by the current lawsuit have already been paid. I have not received any notifications, again. The following is what I have endured over the years- I had my account frozen for a week and then had to open a new account years ago. They also applied debits to my checking account prior to the deposits. I have paid several overdraft fees and banking fees. I have also financed 2 vehicles through Wells Fargo Financial Services and believe that they added the extra insurance but did not issue a refund after both vehicles were paid off. They also affected my credit for stating payments late due to debit prior to deposits when I paid on my auto loan account
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordace with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumber rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # XXXX 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 instruction 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.
Consumer complaint received 2023-01-26
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. (MI)

I have contacted the court where they are saying its verified through. the court states they do not report any activity to the credit bureaus. so therefore this is not reporting a 100 % accurate. I have filed a dispute with them multiple times but they. keep saying its not coming from me. PLEASE DELETE THESE bankruptcies FROM MY CREDIT REPORT AS IT IS EFFECTING ME ON GET A NEW HOME. XXXX  XXXX AND XXXX XXXX bankruptcy NEEDS TO BE DELTED OR I WILL SEEK LEGAL AND SUE YOU FOR DISREGARDING MY CONCERS. XXXX DOLLARS PER VIOLATION.
Consumer complaint received 2023-01-26
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. (AZ)

I would like to have the following account removed from my credit report : XXXX XXXX XXXX There is a balance being reported of {$1100.00}, but I have NEVER been late on any payments. I will enclose the PDF proof of my account and payments. Since XXXX XXXX  does not report positive payment history to reporting agencies, the account should not exist on my credit reports at all. 


I have disputed this account multiple times. but the reporting agencies are not actually looking into the validity of the account.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4100.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I want to report Identity Theft that has been going on for years without my knowledge. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened up or authorized. I did lose my wallet back in XXXX. I had my drivers license along with my social security card in my wallet. Someone has been using my identity without me knowing. I never opened an account with the follow companies ; XXXX Opened XX/XX/XXXX for {$210000.00}, XXXX Opened XX/XX/XXXX for XXXX, XXXX XXXXXXXX Opened XX/XX/XXXX for {$300.00}, XXXX XXXX  Opened XX/XX/XXXX {$300.00}XXXX XXXX XXXXXXXX Opened XX/XX/XXXX for {$200.00}, XXXXXXXX XXXX Opened XX/XX/XXXX for {$2500.00}, XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX for {$330.00}, or XXXX Opened XX/XX/XXXX. Ive sent in disputes for these items before. Ive went to the XXXX Police Department in Michigan to get police reports made of the theft, previous sent in CFPB claims, and Ive also filed FTC reports as well which are both attached below. These last accounts have yet to come off
Consumer complaint received 2022-11-17
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7100.00} XXXX
Consumer complaint received 2023-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MI)

For almost five years I have been disputing an account with Comenity bankXXXX in which I never opened and/or had. As you can see in the attachment Comenity bankXXXX sold the account to a third party collector in which the third party collector tried to sue me until my attorney got involved. Once my attorney notified the third party collection attorney SEVERAL times asking for the summons and complaint ( in which the third party attorney never gave to my attorney ) this case was dismissed The third party collection attorney decided not to pursue this erroneous debt. I want this off my credit report immediately!
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (MD)

There is information that does not belong to me and I need this information fixed to prevent further identity theft. I have been a victim of identity theft, thus note the IP PIN I have to use not just to file my taxes.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
Consumer complaint received 2023-02-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00}
Consumer complaint received 2024-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This company said I have a best buy account debt from 2004 they have a different ID # they have it as a DL i only have a XXXX  ID. They called me a week ago very aggressive and cursing at me. Now they sent this letter. I spoke with XXXX XXXX and they assured me this is not correct it's a scam. I have a best buy account and a cc with them and it's not through HSBC bank in XXXX ... XXXX XXXX uses visa through XXXX XXXX They are scamming me and they have my social security number which is against the law.
Consumer complaint received 2023-01-26
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. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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
Consumer complaint received 2023-04-04
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: Velocity Portfolio Group (NC)

In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violented my rights.15 USC 1681 Section 602 State I have the right to privacy. 15 USC 681 section 2. It also state a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer plan as late purpose.