davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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: Receivables Management Corporation (FL)

Receivables Management Corporation and XXXX XXXX are in direct violation of my consumer right ( HIPPA Violations ) I've reached out and tried to receive clarity on the matter, however I have had no luck reaching anyone. Ive asked for a copy of the original agreement from both parties involved. Also I have asked for an itemized bill reflecting the charges and I have been met with extreme refusal and disrespectful representatives. PLEASE HELP ME OUT
Consumer complaint received 2023-07-26
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. (NJ)

please remove this inaccuracy from my report XXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX amount {$890.00} XXXX XXXX XXXX XXXX # XXXX Date XX/XX/XXXX Amount {$3000.00} XXXX  XXXX XXXX XX/XX/XXXX {$380.00} XXXX  XXXX XXXX XXXX XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, l received the amount XXXX but my account is frozen and l can not use my money in my account. l already provided the sender information such as the name and phone number for Bank of America to verify my funds. l need to use the fund because my house is foreclosure. 
If my house is sold, BOA must be responsible for it.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

I filed a Dispute with Apple multiple times for might return flight to the U.S. from XXXX XXXX. 

The flight changes involved my first flight from XXXX to XXXX, which was originally scheduled for XXXX XXXX, and my second flight from XXXX to XXXX XXXX, initially scheduled for XXXX XXXX to XXXX XXXX. These changes created a significant conflict for me. When I reached out to XXXX XXXX employees at the airport, they informed me that I could cancel my flight by calling a specific number. 

However, when I called the number provided, I didn't receive a confirmation, but the representative assured me that I would receive a refund within 5 days. It's important to note that I made this call on the same day as my scheduled flight. 

This situation not only affected me but also impacted several other passengers. I spoke to 10 other individuals who were suffering from the same last-minute flight changes. Unfortunately, this is not the first time XXXX XXXX has made such changes, and it reflects poorly on their service. 

I also shared these screenshots with two members from Apple, as I sought assistance with the matter. This issue is of utmost seriousness, and I am deeply disappointed that the matter hasn't been thoroughly investigated despite the obvious evidence. 

During my last dispute with Apple, I informed them that I had spoken with the airline, XXXX, regarding the issue. The airline had taken my bank information, promising to process a refund. However, despite their assurance, I never received the refund from XXXX. 

In an effort to resolve this matter, I provided Apple with all the necessary information and screenshots of my conflicted flights. However, despite having this gathered evidence, Apple has said once again that I will be paying the mount of {$200.00} This is the information from my Dispute with Apple Credit Card. 
Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/2022 Merchant name : XXXX Disputed amount : {$200.00} Temporary credit : {$200.00}
Consumer complaint received 2023-07-26
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. (MI)

I am submitting a complaint due to unauthorized inquiries on my report through ( TransUnion ) according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows 3 hard inquiries that I did not authorize You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made these inquiries knowingly, willingly of my own will you must remove it as such. Its a defamation of character
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I sent Shellpoint servicing an appeal letter based on the most recent denial letter I had received on XX/XX/XXXX. All my most recent documents had been provided to include paystubs and the 2 most recent bank statements. On XX/XX/XXXX, I spoke with a Representative who confirmed that the docs had been received. I followed up with them again and was advised that they need XXXX ' bank statements for various accounts i had, however some of them would not be available until after XX/XX/XXXX since the month ran from XXXX. iI was able to provide them with the ones which were available that ran until the end of the month and advised them that I would provide one of the statements that would become available after XX/XX/XXXX. On the date of XX/XX/XXXX when i provided my bank statement, i simultaneously received a notice that my loan had been referred to foreclosure. I called into Shellpoint and requested to find out why and they advised that because my bank statements were not provided therefore the file was incomplete and referred to foreclosure. I explained that the bank statement was not available until after the loan was referred and that it was completely out my control. I dont understand how they could have done this. I also have a letter from them requesting this information and telling me that i have until XX/XX/XXXX to provide this information and they still did not allow me this time. Please help. I am not against a foreclosure while trying to save my home.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 15th 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 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 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Harley Davidson Financial Services Inc (OR)

First the bank approved the loan. Then they changed their mind after me and the dealer already autographed the bill of sale and I autographed the contract. 

Aside from the securities theft ( the bank still has my original security and collateral agreement ) and credit card fraud ( they ran my credit but didn't provide any value in return ), I want to focus on the Breach of Contract. Because I instructed the bank, 3 times, to perform their fiduciary duties, and they did not perform. 

I'll attach a more detailed description as a PDF because the formatting here gets turned into one huge paragraph. 

Also, I'll attach a copy of all the letters I sent. Please note, for each letter, I sent a copy to two different addresses, because the number I called gave me an address in XXXX, NV. But I also found a different headquarters address in XXXX. Anything you see here was sent to BOTH addresses, regardless of which one 's listed in the letterhead.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (NC)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I always pay my bills on time, so I'm confused why this company is marking me late for some months. According to USC 1666b, billing errors should be corrected, and my payments updated as agreed.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report, I have identified certain items that have not been adequately verified or substantiated by the respective furnishers. It is my right as per the Fair Credit Reporting Act ( FCRA ) to seek the necessary verification of these items to ensure the integrity and accuracy of my credit report. I kindly request that you initiate a thorough investigation into the following unverified information items on my credit report : Personal Information is Inaccurate Date of Birth, address and misuse of reported Items.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

Im trying to login into my Wells Fargo online banking but my phone number and email aint updated and I needed my bank to update my phone number XXXX and my email XXXX so I could get my authentications codes coming through and Im not available to go into the branch or spot any ATMs at the moment and I need to make some transactions to my clients on app and I want My Bank to send an automated transfer for me from the banking systems thanks
Consumer complaint received 2019-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Arbor Professional Solutions, Inc. (OH)

ARBOR PROFESSIONAL SOLUTIONS CLAIM THEY CONTACTED THE CREDIT BUREAUS TO HAVE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT FILE ON XX/XX/2019 FROM THE CREDIT BUREAU AGENCIES. THEY RESPONDED TO A COMPLAINT MADE BY MYSELF MAKING THIS STATEMENT. 
I CONTACTED XXXX ON XX/XX/2019 AND SPOKE WITH A REPRESENTATIVE BY THE NAME OF XXXX XXXX. MR XXXX CONFIMED THAT ANN ARBOR PROFESSIONAL SOLUTIONS DID NOT CONTACT XXXX ABOUT THIS ACCOUNT AS THEY CLAIMED IN THE ORIGINAL COMPLAINT MADE AGAINST THEM. MR XXXX SAID THAT THE LAST TIME THIS COMPANY CONTACTED XXXX  WAS IN XX/XX/XXXX OF XX/XX/2019 
IT SEEMS AS THOUGH THIS COMPANY IS REFUSING TO HAVE THESE ILLEGALLY REPORTED ACCOUNTS REMOVED FROM MY CREDIT REPORTS. 
THEY MADE A DISHONEST STATEMENT IN WRITING THAT THEY CONTACTED XXXX ON XX/XX/XXXX WHEN IN FACT THEY DID NOT
Consumer complaint received 2019-05-21
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: Experian Information Solutions Inc. (PA)

Fraudulent inquiry I didnt not apply for or authorized any credit card company access to my credit report Inquirer name XXXX Inquirer date XX/XX/2018
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

for the past 6 months I have been asking to please removed a XXXX account that keeps on showing on my credit report which does not belong to me any more this card belongs to my ex and i was just a user on his card but he tooked me out about a year and half and it keeps showing on my credit report and is damaging my report because he has a big balance on it, i had already asked to dispute this card and it seems that no one is doing it i even sent a letter to my credit report and nothing happen can you please help me with this matter thank you
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Conn's, Inc. (TX)

I sent a letter to Conn 's that indicated the illegality in reporting in accurate information and reporting late payments as delinquencies that are actually transactions.

Conn 's has reported 3 accounts to the 3 bureaus. Initially all 3 account numbers were listed as XXXX .... 

I first pointed the inaccuracies out to XXXX and XXXX, but instead of removing the two derogatory accounts and posting the goodstanding account, Conn 's was afforded the opportunity to correct and update the information. 

The accounts changed to XXXX and XXXX. 

XXXX is the account number for the derogatory account and the account that I worked hard to pay for 3 years prior. 

When I pointed out the illegality of the late payments being reported because they were actually transactions, I asked Conn 's to reverse the late payments to OK or paid as agreed.

Conn 's decided to delete the goodstanding account as retaliation instead of deleting or investigating the derogatory entries.
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

SchoolsFirst Credit Union Attention : Disputes and Fraud Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Immediate Removal of Fraudulent Credit Card and Personal Loan from Credit Profile Dear Sir/Madam , I hope this letter finds you well. I am writing to formally notify SchoolsFirst Credit Union of fraudulent activities related to my credit profile. It has come to my attention that a credit card with the number XXXX and a personal loan with the number XXXX have been unlawfully opened under my name. I respectfully request that these fraudulent accounts be removed from my credit profile immediately. 

On XXXX XXXX XXXX I discovered the presence of these fraudulent accounts and I took swift action to address the issue. I have already filed a detailed police report [ Copy of police report attached ]. Additionally, I have lodged a formal complaint with the Federal Trade Commission ( FTC ) to initiate an investigation into this matter [ Copy of complaint confirmation attached ]. Based on the supporting evidence provided, it is clear that I am a victim of identity theft, and I have taken all the necessary steps to rectify the situation.

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. Section 611 ( a ) ( 2 ) of the FCRA states that credit reporting agencies should promptly investigate any disputed information and remove it if found to be inaccurate or unverifiable. I kindly request that SchoolsFirst Credit Union adhere to the responsibilities outlined by the FCRA and promptly remove these fraudulent accounts from my credit profile.

I understand that investigating this matter thoroughly may take some time. However, given the nature of the unauthorized accounts and the actions I have already taken, I would appreciate your commitment to resolving this issue as quickly as possible. I would also appreciate regular updates on the progress of the investigation and confirmation once the fraudulent accounts have been removed from my credit profile.

I trust that SchoolsFirst Credit Union is committed to ensuring the accuracy and integrity of credit reporting. I am confident that you will handle this matter with the utmost professionalism and diligence. Please feel free to contact me at [ Phone Number ] or [ Email Address ] if you require any further information or if there are any updates regarding my request.

Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution.

Sincerely,
Consumer complaint received 2023-07-25
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: BANK OF HAWAII CORPORATION (AZ)

Bank Of Hawaii // This financial institution submitted my automatic payment application 2 months after I originally handed it in. Costing me a 30 & 60 day late payment demolishing my credit. I had called them and asked why I was getting serious delinquency calls and they openly admitted over the phone that we accidentally submitted you automatic payment paperwork late. I returned from XXXX that XXXX and handed them a {$5000.00} check to subdue any late fees. Then 30 days later I got another call saying youre late.again. I hashed out the same conversation with the person in charge of my account. She told me we didnt process the check for 10 days due to your automatic payment paperwork. 

Thats the biggest hit my credit has ever taken. That company ruined my credit score and they should take responsibility for it. 


In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2019-01-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (WI)

My loan matures XX/XX/XXXX. ( XX/XX/XXXX was original maturity date it keeps changing ) I have been paying monthly, often times after the XXXX which is my due date, but I get the payment in monthly. On two occasions I was given extensions, but I have paid way more than the {$1500.00} loan amount and expected to be paid off in XXXX. I did get an extension in XXXX  and only paid half a payment. So when I asked if I would be paid off inXX/XX/XXXX I was told because I was late many times, my loan has been extended for approx 20 more months, unless I can come up with the {$1500.00} original loan amount plus {$680.00} in late fees. Had I paid on time by the 11th if every month I would be paid off. When I told them that was ridiculous that it was still paid in the same month they told me too bad ... .so now I have to pay another {$4000.00} plus dollars ( {$210.00} x 20 ) on time by the XXXX or it may take longer ....

I wi never get my title back or get this loan paid off ... .I will be paying over {$8000.00} on a {$1500.00} loan. I tried contacting XXXX XXXX and the XXXX XXXX XXXX to no avail. Can you help me get this settled and get my title back? I also wanted to add them to my Chapter XXXX but they refused that also. Please help me. I also paid the {$10.00} late fee everytime I was late. Loan initation date was XX/XX/XXXX
Consumer complaint received 2023-07-25
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. (MA)

I am writing to file a formal complaint against Equifax in regards to inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe is erroneous. Despite the passage of time, I have not received any response or resolution from Equifax. The following are the details of the disputed accounts and the required corrections : Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} The reported balance of {$5900.00} for the XXXX XXXX XXXXXXXX account is inflated and inaccurate. I am certain that I owe a lower amount and do not recognize this balance. Moreover, the Past Due amount listed by Equifax for this account indicates inaccurate reporting. This account was closed and charged-off, and as such, the Past Due status should not be stated. I have taken steps to address this issue with the creditor directly, and I request that Equifax marks this account as disputed until a resolution is found. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Highest Balance : {$31000.00} The account with XXXX XXXX XXXX was never late, and I insist that Equifax immediately removes the late payment status associated with this account from my credit report.