davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I recently saw two fraudulent credit card accounts on my XXXX credit report. I spoke to fraud/disputes department on XX/XX/2022 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back today XXXXand representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two Capital One accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus. I asked for an supervisor and was on hold for over 30 minutes waiting. The Capital One accounts were not mines, and I was a victim of identity theft, which there is an alert on my credit profile.
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

My Citibank account has been closed for over a week and the bank is still playing games refunding my money. Liars liars they are and will soon land in very very hot water over this. They are very evasive and don't answer questions or the answers are scripted for every customer they have stolen money from and wont return it. 

Attempting to steal money from the Federal Government ( Treasury ) is a federal crime and will look very good in a lawsuit. Citibank keep up with all your shenanigans with people 's money and you will dearly regret this.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX I called Bank of America because a month earlier I asked them to close my credit card account along with the two checking accounts I had open. They said ok so I assumed it was taken care of. 
A month later I see a statement in mail saying there is a balance. I called and told them this account was closed and gave them my credit union account info a said please pay off the balance and close it for good this time. It was for the amount of {$82.00}. Again I assumed it was handled again. A few weeks go by and I get another alert that this account was past due. I called and asked why and they said the payment I gave them came back which is impossible because XXXX XXXX said its the correct info and it has more than {$5000.00} running balance at all time plus has {$1000.00} over draft meaning it would have paid the {$82.00} no matter what. Bank of America must have gotten my XXXX XXXX  account info wrong which kept them from getting their money and didnt want to admit it. Because if this banks lack of doing their job now I have a 30 and 60 day late on my credit report. I have perfect credit with a score of XXXX and have NEVER paid anyone late in my life and I want this off my credit because I paid them many times. I paid them again on XX/XX/2022 and paid them once again to pay off the balance and close the account. I want this closed, reported closed and the late pay blemishes off all three of my credit bureaus
Consumer complaint received 2022-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (GA)

In accordance with the Fair Credit Reporting Act United Collection Bure Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. I have the rights 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-21
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. (IL)

I recently saw two fraudulent credit card accounts on my Equifax credit report. I spoke to fraud/disputes department on XX/XX/2022 Who requested I fax in my drivers, license, my ssn card and the FTC report with a letter. I called back today XXXXand representative is telling me to refax in the information when she is clearly looking at the documents. I am upset that they asked for my ssn card and other PII information and on one will remove these accounts. I will proceed in filing a lawsuit against the this credit bureau if this is not removed immediately. My information was compromised and I should not have to go through this just to get my credit report in order. These two XXXX XXXX accounts are not mine and they only update to say " verified '' they have not provided any validation information and my identity was compromised. It is against the law to report any inaccurate information. According to the FCRA, any information should be deleted in 30 days. This is passed the time frame of the actions against the credit bureaus. I asked for an supervisor and was on hold for over 30 minutes waiting. The XXXX XXXX accounts were not mines, and I was a victim of identity theft, which there is an alert on my credit profile.
Consumer complaint received 2022-09-18
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. (FL)

The following Inquiries have been unauthorized to run my credit. I have no acknowledgment of these inquiries and never authorized. 

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
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (MD)

Bellow companies Marketing details & enquiries not recognize on my file 1. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 2. 
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/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. 
XXXX CO XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX 4. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, CA XXXX 5. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 7. 
XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 9. 
XXXX XX/XX/XXXX Location XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX 11. 
XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 13. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2022-09-21
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. (MS)

In accordance with The Fair Credit Reporting Act the list of the following accounts are violating my federally protected rights to privacy and confidentiality. Also, the FCRA clearly states everything on my credit report must be 100 % accurate, after viewing my report these accounts also have multiple inaccuracies. 

1. ) XXXX - ACCOUNT # XXXX, ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 2. ) XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 3. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 4. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 5. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS XXXX. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 7. ) XXXX REV - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 8. ) UNKNOWN - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States my right to privacy 15 U.S.C 1681 SECTION 604 Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) : states a person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2022-09-18
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. (NC)

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 a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

on XX/XX/2022 at approximately XXXX I contacted XXXX and asked them why my credit report on their site XXXX XXXX own site, did not have my consumer statement. I wanted to also find out for sure if my report could be updated " immediately '' as they said numerous times in many ways can not happen ever. Yet the comments went in right away from Transunion a few minutes before I was speaking with a representative about why they were not showing up in XXXX XXXX credit report for me. They did show up on the accurate and probably true credit report that these agencies keep on us secretly or whatever as the agent read it to me, but it wasn't on my site, I have a screenshot at similar time. XXXX is important and consumers should have all of it. 
This is over a {$18.00} 30 day overdue reported by XXXX to the agencies and subsequent charging me {$2.00} without informing me at all of this {$18.00}, the overages as they were being charged in any way or the reporting. I found out from the free XXXX report and now I am on the path to trying to right this wrong XXXX and the agencies have collectively assigned me due to their broken and unfair system to put people who seemingly have good credit, to having bad credit so we can pay more interest and pay more fees, that is stealing! They should not be allowed to do this and should remove XXXX from my credit report and any and all derogatory remarks forever. They are costing me not only personal damage but my brand new american business a lot of damage too!
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My complaint is about Equifax Credit monitoring. I'm experiencing some type of computer/technical scoring error on my credit file with them. Typically, if a decrease in the balance of an account happens and there are no other changes but the decrease, the credit score will increase because utilization goes down. In my case, since XX/XX/2022, whenever I pay a portion or even the full balance of an account, my score is dropping and it's dropping by the same each time of 75 points! I have spoken to several agents at Equifax and they have not been able to help and stated that there is no one there that can help with a credit score issue. I know that they have to have a department that can look into this, but no one is willing to assist, I really need help with this, because it is making my file unstable and unpredictable and I'm afraid to pay down balances or even apply for credit now.
Consumer complaint received 2022-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (TX)

My auto loan was originated with Sun Trust bank in XX/XX/XXXX. At the time, I setup a monthly recurring payment to cover my required balance through Sun Trust 's online portal. During late XXXX, I was notified via mail my loan would be migrating to Truist and was directed to create a new online account on their website. This letter also advised that any recurring payment plans setup through Sun Trust would not migrate over to Truist 's website and needed to be re-established. The letter advised this transition would occur at the end of XX/XX/XXXX. 

In XXXX, I logged in to Truist 's website, registered a new online account and setup a new monthly recurring payment plan. The website did not indicate or note that any existing payment plans were in place. In early XXXX, I checked my banking account with XXXX  XXXX XXXX and noticed two recurring payments had been withdrawn in the amount of {$310.00}. I immediately attempted to call Truist, but was advised the hold time would be over 60 minutes. Unable to wait this long, I tried again the next day, but the hold time again was over 60 minutes long without any sort of way to expedite. 

I attempted to reach out to Truist via XXXX and was offered a call back, however no time was provided and this attempt was made while I was working and unavailable. 

To try and fix this issue, I logged into my account in early XXXX and attempted to modify the existing recurring payment plans. Upon logging in, no payment plans were listed despite two payments being withdrawn. I did see my banking information listed through so I deleted it from the site. Upon deleting this information, I received a note indicating two pending payments ( for XXXX ) would also be deleted. This note was received despite no pending payments appearing. I continued with this action and received confirmation my banking information had been removed. 

At the end of XXXX, I again checked my XXXX XXXX XXXX checking account and noticed two recurring payments had again been taken out for {$310.00}. When logging into my online account now, I was able to see a log of all payments taken ( which wasn't the case before ). I deleted all pending/upcoming payments, but remain concerned that this won't be successful. I was able to get a hold of someone after a one hour wait on XX/XX/XXXX. They confirmed two refund checks would be mailed within the next XXXX days and no future recurring payments would occur. I am hopeful this will resolve my issue, but remain concerned that deleted payment information remained accessible for Truist to draw payments from.
Consumer complaint received 2022-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XXXX XXXX I received a copy of my credit report in noticed a ton of collection account accounts for medical bills. I have no knowledge of these accounts. I reached out to the credit bureaus to investigate and provide me evidence that these accounts belong to me. I have not received anything from the original creditors nor the credit bureaus. These accounts are highly effective to my credit report in a negative way. It has charges repeated on my report from the same agency.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

On XXXX XXXX I spoke with XXXX XXXX XXXX XXXX id XXXX ) and then XXXX, XXXX XXXX id XXXX ) and complained that they were charging monthly interest at the rate of {$26.00}. My current balance is {$1100.00} with {$27.00} monthly in interest charges. I complained to both reps that this was balance was becoming difficult to pay down based on that charged interest rate and requested a reduction to same. I have always been a responsible paying consumer having made all timely payments. Both reps refused a resolution to ease the payment and during a time of severe inflation and job loss. I find it completely unacceptable that a company can charge a consumer such an astronomical amount of monthly interest which would only serve to hurt a consumer. At the interest rate of {$26.00} this balance would be extremely difficult to pay down. This is a XXXX XXXX XXXX XXXX. I appreciate all the help and assistance you may provide as they were unwilling to offer any such resolution to the matter. This to me seems fraudulent and misleading by a company that purposely places a consumer in direct financial harm. Thank you.
Consumer complaint received 2022-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MO)

After a forbearance period in XX/XX/XXXX, I contacted my point of contact, XXXX XXXX, on XX/XX/XXXX at Shellpoint/ Newrez and let her know that I still hadnt found employment. I was told on a recorded line that I would be put on a traditional forbearance that would allow me 3 more months to find unemployment and we would touch base after the 3 months to see if there were other options available if I still hadnt found employment. In XXXX I received a late payment for XXXX. I tried contacting XXXX to find out why I was receiving a late payment if I was on forbearance. To this day, XX/XX/XXXX, I still havent heard back from XXXX. I was informed XXXX that she moved to a different department 2 days after our conversation on XXXX. However, I ended up with a new point of contact, XXXX XXXX, who emailed me that I would qualify for those months to be moved to the end of my loan on XXXX and that I could resume payments on XX/XX/XXXX, and on XXXX, I was informed by his manager that if I wait until XXXX to resume those payments, that I would be in pre-foreclosure. I have been misinformed for months, until this has taking a toll on my health. First, being late due to a foreclosure that I was told that I was under that never took place, to now being on a foreclosure because, again, I was misinformed with a clear detailed email that I would not have to resume payments until XX/XX/XXXX. All that i am receiving is apologies, but my home is at risk of being foreclosed. I am in desperate need of help.
Consumer complaint received 2022-09-21
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. (MN)

On XX/XX/XXXX, a settlement agreement was reached in the amount of {$5700.00}. The final payment for this agreement was made on XX/XX/XXXX. Starting in XXXX I started receiving phone about late payments-3 total when I returned the call they said it was in the hands of the attorneys and they couldnt talk to me but did say that my account wasnt settled and still had a large balance. The credit repair company attempted to get a statement to show account paid in full but they never responded and then XX/XX/XXXX they reported it as unpaid account to credit bureaus
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America ( BoA ) shows a pattern of charging a $ 12 monthly maintenance fee around the same time a debit transaction is made to the account bringing the account balance to {$0.00}. BoA then charges a {$35.00} " OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX XXXX XXXX XXXX DATE '' as if the debit transaction resulted in a negative account balance and not the monthly maintenance fee itself. It has happened at least twice recently, once on XX/XX/2022 and again on XX/XX/2022. On each occurrence, an electronic money transfer was made to cover a transaction in the account on different dates, the account was then debited, the monthly maintenance fee was charged followed by an overdraft fee. The maintenance fee is not charged on the same day each cycle. This seems to be done to extract more fees from the account and I would like it to be investigated.
Consumer complaint received 2022-03-10
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. (NY)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with XXXX plus days of no response.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act.

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like each of the following companies deleted from my credit reports immediately : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXXXXXX XXXX 6. XXXX XXXX XXXXXXXX 7. XXXX 8. XXXX XXXX 9. XXXX XXXX