davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-12
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: Designed Receivable Solutions, Inc. (CA)

I sent in my police report and my FTC affidavit to the three credit bureaus XXXX and XXXX XXXX department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts has been deleted that was XXXX Enclosed is the proof that they deleted the fraudulent account. XXXX I got an alert that a fraudulent account was placed on my credit that same fraudulent account that was Deleted XXXX, XXXX  They never noticed me of putting the fraudulent account on my credit after they deleted this fraud XXXX years ago. They have caused me caused me great damage and embarrassment also with emotional distress, Defamation of character. You have coursed me to loss a loan due this fraud you are illegally reporting. You are in complete violation of the FCRA and if this is not immediately deleted from my report I will seek legal action. This account is fraudulent and has been deleted already XXXX XXXX XXXX.DESIGNED RECEIVABLE XXXX XXXXEnclosed you will see police report sent the the collection agency and the credit bureaus, letters and certified letters. They requested for me to send them a copy of my ID and I did. This needs to be deleted due to fraud and they are knowingly and willingly causing me damages to my credit and aware that this medical bill is completely fraudulent. I will await only allowed time for this fraud to be resolved before taking hiring an attorney and filling a lawsuit on XXXX, XXXX and DESIGNED RECEIVABLE this complaint serves as proof to the courts that I have taken ever possible messures to resolve this fraud. and will no longer allow The credit bureaus and Designed Receivable Identity theft and my consumer rights.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Attorney General of Maryland I, XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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 2022-08-12
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. (IN)

See attached documents - violation of my federal rights to privacy 15 USC 1681 ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 2 )
Consumer complaint received 2022-08-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

On XX/XX/2022 Bank of America reversed the temporary credit in the amount of {$410.00} without providing me advance notice. I disputed this charge by XXXX as they did a poor job with my vehicle. I paid over {$2000.00} for paint and bodywork that took them over 60 days to complete. I attempted to pick up my vehicle on three occasions but had to leave it for further work to be completed. The last time that I went to pick up the vehicle I ran out of gas two blocks away from XXXX. After I got assistance with getting the vehicle to a service station and headed home the bumper fell off of the vehicle. 

After BOA reversed the credit I called to speak with them and asked why did they reverse the credit. They advised that they denied my claim as they spoke with XXXX and that I had the work completed. I asked them why didn't they contact me. I did not dispute the charge as work was not completed I disputed the charge because of the quality of work. 

I paid over {$2000.00} total I am only disputing the {$410.00} which is reasonable for my time wasting coming to get the vehicle and it not being ready, running out of fuel which could potentially ruin my fuel pump, and having to have someone secure the bumper. 

I am very disappointed with the way BOA handled my claim. I feel that they provided the temp credit because they are required to do so but had no intention of investigating my claim.
Consumer complaint received 2022-08-11
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. (FL)

I n accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX, -XXXX XXXX XXXXXXXX Account Number : XXXX,. 
XXXX Account Number : XXXX XXXX -XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy .15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written
Consumer complaint received 2022-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: OLD NATIONAL BANCORP (WI)

It is our belief that our mortgage with XXXX Bank and Old National Bank is based on fraud. I have attached documents to support our claim. The following is a breakdown of our complaint : List of events Pertaining to a loan of XXXX and XXXX XXXX XX/XX/2009 a Note is signed with XXXX, XX/XX/2009 a Mortgage is signed with XXXX Bank Mortgage dated XX/XX/2009 is recorded into the records of the XXXX XXXX XXXX of Deeds on XX/XX/2009. The purpose of the recordation is to memorialize the sale of the property thru the Note which evidences the debt and the Mortgage is which attaches itself to the intangible obligation evidenced by the debt Shortly after signing, an interest of the loan was sold to XXXX XXXX. The interest that was sold to the trust was the intangible obligation ( the debt ). 
There is No indorsement on the Note in which one would acquire rights to the Note. 
There is an incomplete stamping on the Note which has released the right to the Note without recourse to an as of yet unnamed payee. 
There is no Assignment to XXXX XXXX With XXXX releasing its rights to an as of yet unnamed payee, without recourse, no one will acquire rights to the XXXX Note without being named to the Note The claim that the XXXX loan is a secured loan is unsupported with any factual evidence.The claim that the incomplete stamping is a Blank Endorsement is a XXXX claim as they are attempting to make you thing that right are thru some other means other than XXXX. XXXX to acquire rights to a negotiable instrument.
Consumer complaint received 2022-08-11
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. (NC)

In a accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My daughter and I went to 5th 3rd bank to open a saving and checking account and while opening the account she told both of us that we were approve for a no interest credit card, she gave us papers to sign and said the card would be to us in a few days, we told hard that we did not want a hard inquire on our record and she told us that the bank only pull soft inquire. We wrote the bank with a complain and they said we have your signature on the forms so that is our problems. We were trying to fix our credit and they just hurt us by there person that lie to us. We just would like them to remove the hard inquire
Consumer complaint received 2022-08-11
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)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-11
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)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-11
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. (MI)

XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX RE : PERMISSIBLE PURPOSE To whom it may concern. 

I, ( XXXX XXXX ) never gave ( Transunion, XXXX, Or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party. 

15 USC 1681b Permissible purpose 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 : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXX XXXX XXXX Unverified Account Sincerely, XXXX XXXX
Consumer complaint received 2022-08-11
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

In 2017, after my Grandfather died, a car he had financed through Wells Fargo. I am the executor of his estate. The car was repossessed without incident and after they sold it, we got a letter stating that the car had been sold for more than owed, and we were receiving a check for XXXX dollars. It never came. 
Some years later, we got a letter about unclaimed property. I followed up with this by going in to a Wells Fargo branch and spending 3 hours there. I brought all my necessary Estate/Trust paperwork, and an Affidavit was written, signed by me, and notarized by a Wells Fargo employee . It was then sent to the Unclaimed Property Department from the Wells Fargo branch. I then heard nothing back for another year. 
I recently contacted them to follow up and after MANY attempts, got a secure message asking for me to send them paperwork to prove myself. I send a copy of the death certificate and a copy of the very Affadavit that Wells Fargo themselves made up and had. A few days later, I received ANOTHER email asking me to submit info and an affidavit. 
It has been years and I am no closer to getting the check made out to my deceased Grandfather so I can disperse it to the estate.
Consumer complaint received 2019-09-08
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 (NC)

I reported fraud and identity theft to all three major credit reporting agencies early 2007 and to all my banks I closed all accounts in my names as per documentation in 2007 at the XXXX. Also I called and spoke to capital 1 they were to close all accounts in my namesake to fraud. I recently received XXXX XXXX info that capital 1 did not do what they promised. On a fraud adding my name of XXXX XXXX XXXX XXXX XXXX account # XXXX there is a capital one deduction for {$2900.00} dollars and others I want capital one bank to produce all documents in all accounts in all my names with their company and XXXX/ and all Loans in all their affiliates business entities as foremost bank as per my previous complaint that was not addressed by foremost bank loans due to fraud. Capital one was supposed to have closed all my accounts. 
Make these documents available at your earliest convenience to me at XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX fax plus
Consumer complaint received 2019-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (TX)

Account turned over to XXXX with an incorrect amount ( initially the credit report showed {$1700.00} ) An adjustment made, but still incorrect amount ( shows {$910.00} ),  and management admitted charging rent on two different lease contracts, as admitted in an email on XX/XX/2018, yet they are still trying to charge a reletting fee ( {$990.00} ) which is illegal and still reporting an incorrect amount on my credit report without removing the illegal fee of {$990.00}.
Consumer complaint received 2022-08-11
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. (NC)

On or about XX/XX/XXXX a fraudulent XXXX account reported to my Experian credit report. I notified local authorities and filed a police report. I reached out to both XXXX as well as Experian multiple times in-regards to this matter and provided the official police report. They have neglected to correct this issue. My most recent attempt to resolve the issue with both XXXX and Experian was XX/XX/XXXX.
Consumer complaint received 2022-08-11
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)

I received a notice of two hard inquiries on my credit report from two separate financial institutions for new credit applications. Neither of these applications were made by me and I believe I may be the victim of identity theft. I have reported both applications for fraud to both XXXX XXXX Bank and XXXX XXXX respectively. I have also spoken with Transunion to freeze my credit report.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

See attached documents - violation of my federal rights to privacy 15 USC 1681 ( a ) ( 2 ) and 15 USC 1681 ( a ) ( 2 )
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

I first obtained this credit card in XX/XX/XXXX, I've never been late on any payments and currently hold a XXXX XXXX balance. 

In XX/XX/XXXX, I pulled my XXXX credit report and it showed 1 late payment for XX/XX/XXXX. That is incorrect.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

In XX/XX/2022, I received a letter from Comenity Capital Bank ( XXXX credit card ) informing me that they had charged off my XXXX account and sold it to XXXX XXXX XXXX ( XXXX ) for collections. On XX/XX/2022, I paid off the entire balance owed of {$2200.00} using my bank debit card. On XX/XX/2022, I received a letter from XXXX stating I had a XXXX XXXX balance on my XXXX account. 

I spoke with XXXX and they told me that I paid off the debt before they were able to report the collections to the credit bureaus, so therefore they don't have a collection line item to update and they would not be able to update the Comenity Capital Bank credit bureau line item. When I called Comenity Capital Bank, they tell me that they no longer have the account and that I will have to resolve the credit bureau update with XXXX. So, no one at either company is willing to update my credit profile to reflex the balance has been paid in full.