davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/year>, I deposited a certified check for {$15000.00} from XXXXXXXX XXXX XXXX XXXX XXXX into my Bank of America account. This check was obtained after my husband had to travel to the XXXX to retrieve it from his bank. 

On XX/XX/year>, I was supposed to receive notice that the funds would not be available until XX/XX/year>, at XXXX AM. However, I did not receive this notice until much later, after I had already visited the bank due to transaction issues. The notice was uploaded digitally, but I wasnt notified in a timely manner, and no physical notice was sent to my address. 

After the funds were released, I was able to make XXXX transaction before Bank of America froze my entire account again without notice. Despite the freeze, the funds still showed as available in my mobile banking app, leading to confusion. I received no notification of the full account freeze. I had to visit the bank in person, and the representative who assisted me spoke with XXXX or more departments, each transferring her to another department without resolving the issue. She became so frustrated that she pleaded with XXXX department, saying, You are my last resort. At that point, I lost hope, realizing the severity of the issue. 

This situation has caused financial stress. I was unable to access my own money for important purposes, such as paying for school and classes. I was also enrolling in a course that offered a 25 % tuition discount, which I might lose if Im unable to pay before the deadline due to this account hold. Additionally, I was unable to access funds for daily living expenses like groceries and utilities. 

On the same day, I also witnessed a traumatic event while dropping my child off at school, where we XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This added to my stress and left me unable to sleep, with headaches and a feeling of defeat. 

I request an investigation into Bank of Americas handling of this situation, as well as compensation for the financial and emotional stress caused by their actions.
Consumer complaint received 2024-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (WA)

XX/XX/2018 : Online order that I attempted to pay using my Citigroup credit card was halted and flagged with a fraud alert. This is unusual in my experience. I do appreciate their attention to the growing complexity of fraud. However, the purchases had to do with firearms and combined with Citigroups recent actions that discriminate against customers based on lawful firearm-related business activities leads me to be deeply concerned they are blatantly violating consumer rights and engaging in unfair practices.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) THAT YOU, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX in XX/XX/XXXX under the account number ( XXXX ), in the sum of {$490.00}. Credit card account opened at XXXX XXXX in XX/XX/XXXX under the account ( XXXX ) in the sum of {$1800.00}. XXXX XXXX XXXX XXXX XXXX XXXX  account opened XXXX under the account number ( XXXX ) in the sum of {$2800.00}. XXXX opened XXXX account number ( XXXX ) with a balance of {$460.00}. A XXXX XXXX XXXX XXXX opened XXXX under the account number ( XXXX ) with the balance of {$1700.00}. XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX in amount of {$17000.00}. XXXX account opened on XX/XX/XXXX under account number XXXX in amount of {$260.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, 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, addresses, 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, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :
Consumer complaint received 2018-02-27
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. (AL)

I keep check of my credit score with XXXX XXXX and noticed that on XX/XX/2018, there was a hard inquiry for XXXX on my Transunion report. I have never had or attempted to have an account with XXXX so I called the XXXX number on the information page and they verified that my social security number had been used to open an account. They could not tell me anything else but told me to come to this website to dispute it. Please help with this before whomever did this ruins my credit. Thank you.
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX FL XXXX 2.XXXX XXXX XXXX XXXX XXXX # XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 4. XXXX XXXX XXXX XXXX GA XXXX 5. XXXX XXXX XXXX XXXX XXXX GA XXXX 6. XXXX XXXX XXXX XXXX NC XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX I have be unemployed for longer that 24 months I can not get a good job to start my life over. do to unfavorable credit history.I i would like all negitivative and incorrect data to be deleted.I have enlisted a companies help to remove all these charge off and inquies account.They have been unsuccessful. 
charge off XX/XX/XXXX XXXXXXXX  XXXX XXXX, {$6000.00} reported as chageoff, not removing incorrect information. 

XX/XX/XXXX XXXX  XXXX, {$5900.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX XXXX XXXX XXXX, {$3800.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX, XXXX XXXX XXXX, {$2300.00}, reported as chageoff, not removing incorrect information. 

XX/XX/XXXX, XXXX XXXX XXXX, {$8500.00}, reported as chageoff, not removing incorrect information. 


XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$9500.00}, reported as chageoff, not removing incorrect information.
Consumer complaint received 2018-02-27
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 (FL)

Company issued a CC without any valid form of payment ( online logins, instructions, or call-backs over promised ). On day of attainment, I got approved but was not instructed or contacted to actually activate payment method, or online login ( little did I know ). I asked the lady as I got approved, and she mentioned I would be contacted by them for further instructions ( XXXX branch )!!! I have always paid on time, and its the only ding I have on my credit. 

I used to have a 700+ and it's dropped significantly now ; my only intention on ATTAINING this card was to build credit! I have been up-to-date and will continue to do so, but this was after ME going into the store next to my apartment to ask for valid form of payment, furthermore the RECEIVING of my actual card. I am a XXXX yr old XXXX, and my credit is very important to my business in and out of the office. 

The lack of communication, execution, and customer service is the result of this claim, nothing less or more. I use my SAKS card once in a while, but always make sure it is paid off now that I know what to use as login/have attained card.
Consumer complaint received 2024-11-27
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: Atlanticus Services Corporation (GA)

I am writing to dispute the accuracy of the information regarding this account on my credit report. The balance and charge-off status reported are incorrect, as this account was fully resolved in the past. This misinformation is unjustly impacting my creditworthiness. I kindly request a prompt investigation into this matter and an update to my credit report to remove this inaccurate entry. Please notify me once the correction has been made, as it is essential that my credit report accurately represent my financial history. Thank you for addressing this issue promptly.
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MA)

In XXXX my mortgage servicer was XXXX XXXX XXXX. I was going through a financial hardship and applied for modification/ forbearance. XXXX XXXX XXXX approved a trial mortgage payment for three months in the amount of {$890.00} from a $ 1721 monthly mortgage. After the trial XXXX XXXX XXXX stated that there was no record of this trial and then sold my account to Specialize Loan Servicing. I had to start all over again with filling out another application for a modification. At this time I was getting XXXX treatments and explained on the hardship letter what I was dealing with at that time in XXXX. I received some assistance from XXXX XXXX XXXX, they sent Specialized Loan Servicing a couple of checks. In XX/XX/XXXX Specialized Loan Servicing approved my modification from the {$1700.00} payment to higher payment of {$2000.00}. The first trial payment started on XX/XX/XXXX until XX/XX/XXXX. The permanent modification was to begin XX/XX/XXXX. I signed the contract and sent my payment of {$2000.00}. I received a phone call stating that they could not accept the payment that my new amount would be over {$2700.00}. Specialized Loan Servicing took the money that XXXX XXXX XXXX sent and used the money for their fees and not to the principal as I requested and told me that my XX/XX/XXXX payment will be put in a suspense account which is still there. I asked for the reason why my payment is now over {$1000.00} more than the original payment. They stated over the phone that there is an escrow shortage. As of today I have not made a payment and have applied for another Modification using XXXX   Lawyer paying them {$3400.00} and XXXX lawyer took my money, phones were disconnected and emails were unable to send ( return to sender ). I kept trying on my own with the help of other free agencies to get a fair modification and I kept being denied. Specialized Loan Servicing would tell me that they received all documents and my application went to underwriting. They would send me letters that all of my documents werent received and or the investor is not going to change the terms of the loan. My income changed and I added my son and husband. In XX/XX/XXXX an employee of Specialized Loan Servicing advised me that they will not give a modification so I should stop applying because I cant afford the house. She was very rude and disrespectful to me and stating to me that the HARP program is over and we will not honor you application for that program. My application was in before the program ended. I paid {$29000.00} for my property when XXXX   XXXX XXXX sold my mortgage to Specialized loan Servicing I owed {$260000.00} in XXXX. I now owe {$390000.00} because of all the fees and late charges incurred. 
My home is currently up for foreclosure. All I want is a fair Modification to pay my mortgage and for me and my family to stay in our home.
Consumer complaint received 2018-02-27
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. (SC)

On XX/XX/18 Consumer received a notification through a credit monitoring service that a New Hard Inquiry has  taken placed. 
A new hard inquiry with no applications made by consumer to have an inquiry.
Consumer complaint received 2018-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This is in regards to XXXX XXXX XXXX  and they're XXXX card I was told that they needed a copy of my driver license or some form of government ID and Social Security card and they were kind of unclear about the other item was something that would be mailed to my residence so I went into a local bank and I gave them my driver license social security card a copy of my health insurance with XXXX XXXX that I've had for going on three years now and my XXXX cell phone bill thinking that that would be acceptable and then this morning I got a call kind of early on a Saturday morning at XXXX and rather than the guy telling me what he could except he just kept talking in terms of a setback and tell me what he could not accept and finally after
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (NY)

I reached out to this company several times in hopes of trying to resolve this matter. I was sold a lemon vehicle of which I was trying to pay the car payment and multiple repairs totaling over 15,000.00. In  XXXX, I called the company to advise of payment being sent and was advised by the representative not to send payment, in fact the company was not longer collecting on the vehicle as it was too old and had no value. I was advised someone from collections will be in touch with me to further discuss payoff and get me my title and that never happened. upon calling them back in XX/XX/XXXX and again in XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX I was advised the due to the original creditor going bankrupt they could no longer collect on this item and the {$8000.00} ( + ) still owed was expunged and I would receive a letter and title in the mail by the end of XXXX well that never happened. now when I call them I get the run around and nobody calls me back. I reached out to them several times even more recently because when I disputed this item several times on my credit reports with XXXX, XXXX, and XXXX they went in and now said the item in collections for {$14000.00} ( + ) dollars. How can they now want so much money for a 14 year old vehicle and where did they get these figures from. I never rec 'd anything indicating I owed them again since the original conversation in XXXX nor did they send any collection letters or contact me and none of my information has changed. they also are reporting repossession and redeemed and that is not accurate. I paid the vehicle before it every got to that status, not to mention this being on my reports and it is not accurate at all. I tried everything I know to get this resolved and to date I have been unsuccessful on my own. I have all the repair documents and the financing documents for the vehicle still and never rec 'd anything from them releasing me besides verbal authorization. Lastly for over 7 years I was paying for a vehicle and being robbed as the monies were not being credited appropriately as per the terms and conditions of the contract. When I went back to the original dealer on this issue I was advised they closed down for faulty contacts and swindling people. When I contacted the financing company I got the same information and they then went bankrupt after receiving bail out money from government. Then TD auto finance purchased the account and pretty much started my payments all over again and increased my balances. which should be considered unlawful.
Consumer complaint received 2018-04-19
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. (MD)

contacted company to state I did not owe this debt on XX/XX/XXXX I requested copies of any written agreement with my original handwritten signature and date. Company has failed and refused to provide me with an ORIGINAL CONCTRACT WITH AN ORIGINAL HANDWRITTEN SIGNATURE.

On XX/XX/XXXX I contacted Experian to request they remove this unverified account, have not received a response as of yet.
Consumer complaint received 2018-07-04
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. (FL)

Good Morning to whom it may concern I am writting regarding an Complaint that I have with Transunion and XXXX. The account in question is XXXX/XXXX  Transunion high limit {$700.00} and XXXX  {$500.00}. I have disputed this account with both bureaus, the furnisher, and the collection agency. I recieved a letter stating that no other action of collection will be taken, and a request for deletion will be sent to the bureaus. But no such deletion has taken place. I have uploaded this same document as supporting detail. I ask that you please have these bureaus delete it off of my credit report as it is in violation of FCRA and the Fair Debt Collection Practing Act, and it is causing strain on my credit score and ability to have credit. Thank you for your time.