davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I opened a line of credit on XX/XX/2016 with XXXX XXXX XXXX for buying an engagement ring, and paid the full balance off that same year ( XX/XX/16 ). The amount of the credit limit was {$3500.00}, and the balance was {$3400.00}. 

This account is still being listed as active. I called the company and they said they have no record of me in their system anymore, and to come here and file a complaint to get it scrubbed from my credit report.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Darte of Birth XXXX this Cfb complaint has been filed pursuant to to FCRA - 605 B ( 15 U.S. C - 1681 c-2 ) that you Equifax XXXX XXXX credit reporting agency , block any information appearing in my consumer credit report that is a result of identity theft and fraud with in 4 business days if you receiving this complaint This Fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX on XXXX XXXX XXXX and an Auto Loan in XXXX XXXX XXXX on XXXX XXXX XXXX XXXX private account XXXXThese accounts have resulted in several hard inquiries and fraudulent collections appearing in my consumer FICo credit report. I do not recognize these accounts and they were not insisted by me. I have attached a copy of the FtC criminal report that List all these fraudulent accounts ftc XXXX
Consumer complaint received 2015-11-29
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of a defective item I made on XX/XX/2015 for the amount of {$73.00} from XXXX ( see attachment pg.XXXX ). The seller sent me an email infng me to return the item for which he would refund me {$64.00} minus the shipping charges ( see attachment pgs XXXX ). I returned the item by XXXX on XX/XX/2015 ( see attachment pgs. XXXX ). The seller received the return on XX/XX/2015 ( see attachment pg. XXXX ). I called BofA soon after the return but I had not received my refund from the company. BofA representative assured me that the charges would be refunded but I do not see any refund. Please help me get back my refund.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (CT)

I paid with XXXX Credit Card XXXX Goldman Sachs XXXX the services on XXXX restaurant on XX/XX/2022. Total bill was split between two parties. I was responsible for US {$50.00} ONLY.

Apple card charged me US {$190.00} when I authorized and signed a voucher for US {$50.00}. I disputed the amount online and received a provisional credit of {$140.00} on XX/XX/2022. However, Apple card reversed the credit and charged me {$140.00} on XX/XX/2022. 
I am trying to dispute again, but I do not have any answer yet from Apple Card. 
I also contacted the merchant in XXXXXXXX XXXX  which was not willing to help. I will try again, hope a different manager is in charge. I do not have the receipt anymore, and I was requesting a copy of the signed receipt to the restaurant. However, they mentioned that credit cards solve disputes in a different way, and Apple card never has reached to them yet to solve the issue. 
I will not pay for a service that I did not buy and I did not authorize. 
Apple Card should investigate before charging whatever they want. I never signed or authorized a charge for {$190.00}.
Consumer complaint received 2023-01-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received an alert from XXXX that an inquiry was made with Bank of America for a credit card application on XX/XX/2023. I did not apply for this credit. I was advised by XXXX to file this report. I was also advised to contact Bank of America. I contacted Bank of America on XX/XX/2023 to report the fraudulent inquiry and the representative I spoke with informed me that no account currently exists in my name.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX : [ XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-01-10
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: TRUIST FINANCIAL CORPORATION (GA)

XXXX Truist Bank - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I received three ( 3 ) inquiries from Truist Bank for credit products which aren't reflected on my personal credit report. I've never applied to any personal credit product from Truist to obtain these three inquires. 

I received an email from Truist to go into a branch to finalize paperwork for a credit card on XX/XX/XXXX ( email attached ). When I went to the Truist Bank on XX/XX/XXXX ( I met with XXXX XXXX XXXX XXXX XXXX who finalized an application for submittal. During the meeting with XXXX I was never advised my credit report would be inquired upon multiple times for one business credit card product. XXXX advised I was only in branch to complete a Beneficial Owner Form data form, Controlling Person data form and a Business Resolution data form. While in office XXXX apologized when I showed her another credit card inquiry which occurred from Truist and stated she would follow up own this matter immediately. 

On XX/XX/XXXX I contacted the email address XXXX asking about the multiple credit inquiries and their response was XXXX would follow up on this request directly. In which XXXX sent the email stating all inquiries would be removed in 30 days on XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX and I communicated via email, she advised all inquires would be removed ( email attached ) below. Since then nothing has been removed off my credit report from Truist. 

On XX/XX/XXXX I received a credit inquiry from XXXX XXXX, this inquiry is reported on my personal credit and should not be reflected on my personal account. There has been no personal credit account associated with this report. 

XXXX XXXX XXXX  XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


XXXXXXXX XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX XX/XX/XXXX- this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXXXXXX XXXX  XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX never applied for this credit account. Received a letter from XXXX XXXX XXXX stating corrective action would be taken to remove this inquiry from my credit report. ( Letter attached )
Consumer complaint received 2023-01-10
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. (TX)

Transunion is reporting inaccurate, fraudulent information of two company 's that I have never had any association with. I am victum of idenity theft and have provided Transunion with copies of my valid legal identity. This derogatory data, is resulting in failure of me obtaining a XXXX XXXX
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

'Reporting a account they can not verify. I found a Charge off on my Credit report from HSBC for an XXXX Bank card. I disputed it with the CRA it came back verified. I than sent a letter to HSBC about this heard nothing back. I then called them and I spoke to a Customer Service Representative in the Executive Office. She informed me that your HSBC does not have any information on this account that it was all sent to a collection agency. How did they investigate this account with out any documentation? I contacted the collection agency their rep told me about and they could not validate the debt. This is a violation of the FCRA and the trade line needs to be removed ASAP. '
Consumer complaint received 2017-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

When my loan was with XXXX XXXX and I was having a difficult time paying my loan they convinced me to use my all my options to continue to delay my payments. At the time, with a young family, I thought XXXX XXXX had my best interests in mind and I agreed to move forward. I did n't fully understand that later in life I would no longer have this option if I ever needed it again. Also the interest was continuing to be charged, so it meant that XXXX XXXX was making more money off me. When XXXX sold my account to Navient I had moved and did not receive the notifications. Navient was not sending me paper bills and the emails they were sending were going to my spam. After I realized I should be paying Navient I called and emailed them multiple times asking them to send me paper bills, and to take off any penalties or credit reporting of late payments however they would not remove any penalties. They finally started sending paper bills. I have had my original loan since 1999 and I do not have even 1/2 paid off. Interest and penalties have piled up so much that my loan is costing me an extremely high amount. This is not something companies should be allowed to do for people who 've taken out student loans with a reputable company only to be sold to another and treated this way.
Consumer complaint received 2023-01-10
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. (FL)

Transunion has allowed fraudulent, derogatory information to be furnished against me that has been proven to be unfounded. Transunion has failed to adequately investigate accounts upon written notification from me that the accounts were fraudulent or inaccurate. These creditors have provided proof that the information was fraudulent or accurate, contrary to Transunion 's exclaims of accuracy. Transunion has monetarily benefitted from defaming my character.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My birth date is XX/XX/XXXX XX/XX/XXXX, not XX/XX/XXXX XX/XX/XXXX. Can you fix that if you can? My legal name is XXXX XXXX XXXX, not XXXX XXXX. Can you fix this error if you can? On the ADDRESSES section, My address was never XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX MI XXXX. Can you fix this error if you can? 
My ALIASES name is not XXXX XXXX. Can you fix this error if you can? 
On the EMPLOyMENT section, I am not XXXX, never was. Can you fix this error if you can? Can you fix delete all of these errors if you can that I listed? It is on XXXX XXXX information saids it came from Transunion credit bureau.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've tried several times to fix this issue and to no avail, nothing happens. I will disclose the last letter that was sent 11 days ago to the credit bureaus because the letter that was sent in XXXX as well as my cfpb complaint fell on deaf ears. Also, please be aware that I am the one writing this letter. There is no 3rd party involved. All information provided herein under the penalty of perjury is true and accurate to the best of ability and knowledge.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Plus Inc (MA)

XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from XX/XX/XXXX. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX report. The inquiry date isXX/XX/XXXX. I would like this inquiry removed immediately as I did not authorize it.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Privacy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America shared my financial information with Debt Services companies who within a matter of days sent me letters stating : " we are aware of your current financial situation. '' and offering to restructure my credit card debt. I had contacted Bank of America seeking a reduction of the high APR that kicked in once a 0 % balance transfer offer had expired.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I reviewed my Experian credit report and I noticed several fraudulent accounts opened in my name without my consent. I am a victim of identity theft and I am requesting for Experian to block and remove these fraudulent accounts upon receiving my attached XXXX Police Report and FTC Identity Theft Report within four days. I did not benefits from any goods or services of these fraudulent accounts. I also included letter that I received my XXXX XXXX XXXX stating for this fraudulent account to be removed. I also never had any affiliation with XXXX XXXX XXXX XXXX. I never opened any type of checking or saving account with this institution. 

My rights have been violated and I am requesting for these fraudulent accounts to be blocked and removed under FCRA 605B within four days : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-10
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 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 instructions.
Consumer complaint received 2015-08-05
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: CNG FINANCIAL CORPORATION (CA)

A company is harrasing me by calling me, my father, and my grandmother telling me I have a warrant out for my arrest. At XXXX, it was aggravated assault and then they corrected themselves and have told me it was for check fraud under a law titled Check XXXX Law. 

They had all my personal information that dated back to when I was in highschool and had a bank account with XXXX XXXX XXXX. I found out that they work with ChecknGo and that they are requesting a debt that was paid off years ago. They did n't even know the difference between the city and the county. They told me XXXX, XXXX was in XXXX XXXX. Which it is not. 

They 're number is XXXX which is in XXXX. They are saying that they are a district attorney office. I called the state Marshall and the prosecutor office. They had nothing on file with my name. I want them to stop harrasing me.
Consumer complaint received 2023-01-10
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. (NY)

Every XXXX of the month I pay my self credit card balance off and self lender is reporting the wrong amount balance and its ruining my credit score they also reporting wrong information, I contacted them several times over and over to fix it and look into the error but they havent done anything about it
Consumer complaint received 2023-01-07
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. (AZ)

I have requested for the credit bureau to do a thorough investigation and verification of my credit report. I have also reviewed and verified the information and have found these to be inaccurate. In accordance with the Fair Credit Reporting Act the following accounts have been reported in error. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance to the Fair credit reporting act account # has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy 15U.S.C 1681 section 602 A Section 2 states that a consumer reporting agency can not furnish an account without written instruction.
Consumer complaint received 2023-01-10
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. (TN)

XXXX XXXX XXXX CONTINUES TO HARASS XXXX XXXX WITH NUMEROUS OF PHONE CALLS THROUGHOUT THE DAY ESPECIALLY WHILE WORKING AND SPENDING TIME WITH MY FAMILY. I HAVE REPEATEDLY STATED TO CEASE AND DESIST ALL CALLS AND TO SEND ME A LETTER IN THE MAIL BECAUSE I HAVE NEVER DID ANY BUSINESS WITH XXXX XXXX XXXX. I RECEIVED A LETTER IN THE MAIL STATING THAT XXXX  XXXX XXXX BOUGHT THE DEBT FROM XXXX  AND IS REQUESTING PAYMENT. I SENT A DEBT VALIDATION LETTER TO XXXX XXXX. XXXX XXXX SENT BACK A FALSE AND MISLEADING STATEMENT FROM XXXX. XXXX XXXX WENT TO CHECK HER CONSUMER REPORT AND NOTICED THAT XXXX XXXX XXXX ATTACHED TWO COLLECTIONS ON MY REPORT. THE OTHER COLLECTION FROM XXXX XXXX WAS FROM SOME BANK I NEVER HEARD OF BY THE NAME OF XXXX XXXX XXXX XXXX. XXXX XXXX AND BOTH CONSUMER REPORTING AGENCIES HAVE VIOLATED MY CONUSMER RIGHTS UNDER THE FDCPA. XXXX XXXX AND XXXX XXXX XXXX IS STILL IN DISPUTE OVER THE ALLEGED DEBT BUT YET THEY ALREADY DISPLAYING FRAUDLENT BEHAVIOR BY PLACING THE ALLEGED ACCOUNT IN COLLECTIONS. XXXX XXXX NEVER DID ANY BUSINESS WITH XXXX XXXX, SO XXXX XXXX SHOULD NOT HAVE ANY OF MY PRIVATE INFORMATION WHICH IS ANOTHER VIOLATION OF MY CONSUMER RIGHTS!!! TRANSUNION OR XXXX NEVER VERIFIED THE INFORMATION BUT INSTEAD PLACED IT ON MY CONSUMER REPORT WHICH IS YET ANOTHER VIOLATION OF THE FDCPA.