davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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 2023-08-20
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 — Investigation took more than 30 days
Company: Spring Oaks Capital, LLC (OH)

In XX/XX/, I disputed a debt of {$980.00} with XXXX asking Spring Oaks Capital LLC to verify the debt by providing an original signed contract. They did not respond within the 30 days deadline and did not provide requested verification but claim the debt is verified. According to 15 USC 1681i ( a ), the agencies are in violation of my rights.
Consumer complaint received 2023-08-20
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: Ability Recovery Services, LLC (OH)

In XX/XX/2023, I disputed a debt of $ {$1400.00} with the three credit bureaus asking Ability Recovery Service to verify the debt by providing an original signed contract. They did not respond within the 30 days deadline but claim the debt is verified with all 3 credit bureaus. According to 15 USC 1681i ( a ), the agencies are in violation of my rights. In addition, XXXX was reporting a social security number that does not belong to me.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/2023 : I rec 'd several notifications from my various credit monitoring services that a new credit inquiry ( aka a " hard " credit check ) was conducted by BANK OF AMERICA on XX/XX/2023. I had not initiated, requested and/or authorized this credit check. 

XX/XX/2023 : I called into BANK OF AMERICA 's credit card fraud department to report this unauthorized credit check and attempt to obtain additional information regarding said inquiry. At that time, the representative that I spoke with confirmed that they had indeed rec 'd an application to open a new Travel Rewards credit card in my name, but that they would report it as fraud/not proceed with the application. I affirmed several times to BANK OF AMERICA that this request was NOT authorized and not requested by myself. BANK OF AMERICA additionally sent me a letter dated XX/XX/2023 confirming my request & that they would not proceed with opening. BANK OF AMERICA additionally confirmed they would work with the credit reporting agencies to remove the inquiry from my credit history/report. 

XX/XX/2023 : Again, I rec 'd several notifications from my various credit monitoring services that a new credit card had been opened in my name at BANK OF AMERICA on XX/XX/2023 ( the date I had called and reported it as unauthorized ). 

XX/XX/2023 : I again called into BANK OF AMERICA 's credit card fraud department to report the unauthorized activity and now unauthorized account opening. The representative that I spoke with was tremendously unhelpful and could not provide any explanation as to why the card/account had been opened, and even seemed to suggest that it was indeed an " authorized '' transaction from myself. At that time, the representative said he would again report the card/account as fraud, and would proceed with closing the account and removing it from my credit history/report. I was told a manager would be calling me back, but a callback was never rec 'd. I did indeed receive the physical card - a " Bank of America Travel Rewards '' credit card in the mail, delivered to my home address. 

I never requested and/or authorized this credit card/opening. I work for a very large broker-dealer/bank and have an extensive background in financial crimes and fraud prevention. I have every reason to believe that BANK OF AMERICA churned my identity, improperly checked/accessed my credit report/history without my consent/authorization, and used this information to fraudulently open a credit card in my name without my consent/authorization. This type of activity is something that the CFPB and OCC have already taken action and fined BANK OF AMERICA for ( see : XXXX XXXX XXXX ). I am completely confident I am a victim of their fraudulent credit card openings scheme.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX is reporting an account on my credit report inaccurately, the account number is XXXX and this is on all 3 credit reporting agencies. XXXX, XXXX and Transunion, before the account became a charge off, my credit limit was {$2500.00} and as of today, XXXX XXXX is reporting on my 3 credit reports that I owe them {$3100.00}. I do not owe XXXX XXXX {$3100.00}, again, my credit limit was {$2500.00}, they just added so many fees to the account to make it balloon up even higher, this is a misrepresentation of myself by XXXX  XXXX. I do not find it fair or correct that XXXX  XXXX is able to report this inaccurate information on my credit reports and the credit bureaus allow this type of behavior to happen. The FCRA states that 15 U.S. Code 1681 ( b ) all information on a consumers credit report has to be 100 % accurate. I did not spend that amount on this account.
Consumer complaint received 2023-08-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion has refused to remove collection/negative item or provide an option for online dispute for these inaccuracy accounts. I have request validation of the alleged debt without a response from the debt collector. I have provided docs showing that my request for validation was delivered to debt collector, accounts with adverse information currently been reporting by Transunion and Transunion dispute website page showing no option for online dispute for these accounts. I have contacted this company on XX/XX/2023 and XXXX/XXXX/XXXX. 
-Account NumberXXXX -Account NumberXXXX XXXXAccount NumberXXXX XXXX
Consumer complaint received 2024-01-03
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: U.S. BANCORP (IL)

on XX/XX/XXXX there was an inquiry from US Bank, that showed up on my XXXX credit report that was not from me and needs to be removed. 

on XX/XX/XXXX there was another inquiry from Hickory point Bank on my XXXX report that was not from me and it needs to be removed. 

I have not used nor have I applied for any new line 's of credit I called both banks and they said I had to contact XXXX credit agency so I did any they told me to contact this agency to get the inquiries removed
Consumer complaint received 2023-08-22
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. (NV)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

XXXX XXXX filed a complaint previously with this merchant reporting agency, reflecting untruthful information on his credit report XX/XX/2023. After the review of the information set out by XXXX, the previous merchant collection agency reporting information on his credit profile with the three major credit reporting agencies ( XXXX, XXXX, and XXXX ) allegedly agreed to remove this information from his credit profile. XXXX is including the merchant credit collection agencies response to the first complaint filed. However XXXX has since checked his credit profile and is seeing that XXXX, by and through a collection agency doing business as an alleged Credit Collection Services is asserting that there is an unpaid collection account, despite putting in writing that the alleged debt would be removed from his report through their own collection efforts. This debt is not valid. XXXX made several efforts to return the equipment to XXXX, and in each instance was not provided adequate customer service to meet his need in so returning this equipment to them. XXXX called and was advised that he could not return the equipment without going to a local store. XXXX then brought the equipment to a local store and was advised to call customer service again. This is an unfair return process which is allowing for an extortive act against his reputation and finances. This account needs to be permanently removed and not allowed to be placed on his credit profile again, or possible legal action will commence for misrepresenting information in an attempt to extort XXXX of money not owed for goods that are not intentionally being kept from the merchant.
Consumer complaint received 2023-08-20
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 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. 

Has Violated my rights. 
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 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more 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 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (GA)

I am not liable for this debt with JPMCB CARD. I do not have a contract with JPMCB CARD, they did not provide me with the original contract as i requested.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

My name is 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 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

We have been trying to get Wells Fargo to respond to our issues with no fair resolution... They added a forebarnce account to our credit report without our permission... we did not sign anything related to this account and Wells Fargo can not show us the documents .... This has caused us great pain financially... We think that this is a racial issue and is discrimation ... .We both are XXXX  and I am retired military .... We deserve better .... Please see attached documents ....
Consumer complaint received 2023-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL (NY)

My grandmother died last year. She left me inheritance money in a Synchrony Bank IRA account. Speaking with the bank, they offered to move the money into an IRA account in my name so the funds would be held in my name. Synchrony bank has made it incredibly hard to do so, and have yet to make that transfer. I submitted the proper information soon after my grandmother died, was sent the last amount of paperwork in XXXX. I sent the two forms back to the bank as requested, and heard nothing from them. I finally called and was told the paperwork was accepted in late XXXX, and the representative had no answer as to why nothing had happened. I was told to wait 7-10 business days to see the funds transfer to my account. That was in the beginning of XXXX. I called on Friday the XXXX and was told there was a snafu with my paperwork and a message would be sent to upper management to have it settled. I was not given the chance to talk to upper management and be given an explanation for their hindrance to this whole process. I am sick of dealing with this bank for almost a year now, trying to have the money that was legally left to me, accessible to me.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mendelson Law Firm (MS)

Mendelson Law Firm has sent a letter telling me they are suing me for a company I have not signed, given or ever had any contact with including them. I sent an email to them explaining that. I have sent the same to the company Mendelson Law Firm is connected to as well. This is fraud. I never gave them any of my information or ever spoke with them.
Consumer complaint received 2024-01-03
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. (VA)

I reached out to XXXX, Equifax and XXXX in XXXX of 2023 regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XX/XX/2023 I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an Equifax Breach Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX called me as I was struggling to make payments as my business closed during covid and just recently lost my job. They agreed to cut my payments in half and put the remainder on the end of the loan which was fine. Even though I didnt have the funds I made the payment on XX/XX/2023 as agreed. I was suppose to receive a document to sign to make the agreement formal. I never received the document, they said it was mailed could not proof that it was sent, and then made up that it was also emailed which it wasnt as my email hasnt changed. On XX/XX/XXXX, they repossed the car and of course now that they have the vehicle they want me to pay close to XXXX to get it back. The whole agreement was a lie, and this was a way to get money out of which i dont have when there entire plan was to take the car anyway.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying XXXX XXXX XXXX tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2024-09-24
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. (AR)

XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX. to inquire about a truck. I was working with XXXX XXXX. During our conversation, I explained that I only wanted my credit processed with XXXX and NOT with a Bank. XXXX the Finance Manager spoke with me about financing the truck, I explained to him that I only wanted my credit processed 1 time, to send it for approval through XXXX. XXXX said since it's a new truck the policy was only to process it for approval through XXXX. I told him NOT to process it through any other Banks. XXXX agreed to my terms. On XX/XX/XXXX I received an alert from Equifax showing that my credit was processed 2x 's on XX/XX/XXXX and another attempt was made on XX/XX/XXXX with a bank. The second attempt didn't go through because, of having my credit locked. I did NOT authorize my credit to be processed these many times! My credit score took a XXXX decrease because of this. Also, XXXX gave me a sheet showing that my FICO score is XXXX, which is incorrect. I contacted FICO and they have confirmed the XXXX wasn't my score on XX/XX/XXXX. The paper that was given looks like someone typed that information in, it's not a credit score-generated document.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXXXX/XX/XXXX