davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (ME)

I froze my credit reports with XXXXXXXX XXXX and Equifax after the data breach at Equifax. While XXXX and XXXX have provided easy access via web portal for me to freeze/unfreeze my credit report as needed, Equifax is being incredibly difficult. They refuse to let me log in to the myEquifax portal, and they won't tell me why. I spoke with a customer service rep last night XXXX XX/XX/2019 XXXX, and not only was he unwilling to explain why I am not allowed to log in, but he also refused to let me speak to a supervisor ( he said " there aren't any available to speak with you '' ). By then end of our conversation, he told me he would send me an email with instructions about how to unlock the portal, and also an email contact for a supervisor, but the email just restated that I was not allowed to log in to the myEquifax portal, and he failed to provide a contact email for a supervisor. Basically, they are telling me that they only way I can freeze/unfreeze my report is to call in a spend a half hour on the phone with a customer service rep verifying every detail of my financial life ( or send a letter via USPS ). The only reason I need to freeze my credit reports is because of their own security negligence, and now they're basically telling me that they own my credit report and I can only freeze/unfreeze if I play by their rules. Do I have any legal recourse to force them to provide me access to the myEquifax web portal? Or to at least make them explain to me why they refuse to let log in? Like I said, the other XXXX bureaus have made this process simple and streamline, it's just Equifax that is making this difficult.
Consumer complaint received 2019-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Below is the outline of the problem which I sent to Bank of America over a year ago via a certified letter. I have yet to receive a response? When I went to a local bank to open a new CD, I was informed that there was a report of account abuse attributed to my social security number. This bank was not able to provide much information due to confidentiality/compliance issues, but we were able to find out that a fraudulent bank account was opened at the Bank of America, by XXXX XXXX, of XXXX XXXX XXXX, XXXX, NY XXXX. I have never lived in NY. There was an overdraft of XXXX. When I contacted Bank of America they would not provide any additional information. I have no knowledge of this person and have no relationship with Bank of America. In short BoA allows fraudulent accounts to be opened against SSN 's without checking that the SSN actually belongs to that person. Incompetent to say the least.
Consumer complaint received 2019-07-02
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. (GA)

This issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error Reverse the late payments on XXXX XXXX XXXX
Consumer complaint received 2021-12-16
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX
Consumer complaint received 2019-07-02
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. (NV)

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked XXXX   where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts.
Consumer complaint received 2021-12-16
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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: Bread Financial Holdings, Inc. (SC)

In accordance with the fair credit reporting act, XXXX, XXXX XXXX XXXX CB/VICSCRT Funding Account # XXXX, # XXXX, # XXXX has violated my rights. 15 u.s.c 1681 section 602 I have the right to privacy. 15 u.s.c. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without instructions.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX B-Date of inquiry XX/XX/XXXX TRANS UNION-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am not able to view my credit report at ALL. Everything is blank no accounts, no payment history, or creditors. When I log in on myequifax.com, I get a message to contact XXXX and give the code XXXX. I did this several times and was told to send in my information to have it lifted. I sent certified mail twice that included my DL, SS card, current electricity bill and a letter stating I wanted the issue fixed. One representative I spoke with stated it was an internal block and once I sent in that information it would be fixed in 4 business days. It has been over 2 months and 2 letters later. Certified mail tracking numbers are : XXXX received XX/XX/year> and XXXX received XX/XX/year>. I can't get any items from creditors because they only see my name with no credit score when they pull my credit from Equifax.
Consumer complaint received 2021-11-29
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2021-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

Chime /XXXX XXXX closed my checking account suddenly without notice with a balance of {$5700.00} which they did not reimburse to me. Below is their email of XXXX XXXX  I called them immediately and ask for my money. They said they would send me my funds in 30 days. They lied. I have not received my money. 



Chime Member Services <XXXX> To : XXXX XXXX Fri, XX/XX/XXXX at XXXXXXXX XXXX Chime Hi XXXX, Thanks for reaching out to Chime Member Services. My name is XXXX and I'm more than glad to assist you. I hope you are having a wonderful day! 

Let me help you with that : Spending Balance : {$5700.00} Savings Balance : {$0.00} Youll be able to check your current balance on the home screen of the Chime app. And you can also set up daily balance notifications by going to your Settings, scrolling to Notifications, and turning on Balance Alerts.

Please let me know if you have any other questions about your Spending Account. 

Thanks, XXXX | Chime Member Services Below is another email from Chime : hime Member Services <XXXX> To : XXXX XXXX Thu, XX/XX/XXXX at XXXX XXXX Chime Hi XXXX, Our issuer, The XXXX XXXX provides banking services to many other companies like Chime. They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure. 

Direct deposits, ACH debits, and recurring debit card payments may be rejected after your account closure date, however we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : https : //www.chime.com/policies/ Kind Regards, XXXX | Chime Support
Consumer complaint received 2021-10-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEAD MERCANTILE CO., INC. (MS)

on XX/XX/2021, I sent some letters to s.o.s group dba head mercantile co about some alleged debts of XXXX, and XXXX that I don't owe. i request the validity of the alleged debts and as of XX/XX/2021, they haven't responded to my request. SOS GROUP sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter on XX/XX/2021 requesting the validity of the alleged debts of XXXX, and XXXX they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, SOS GROUP has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, but they also failed to send it within 5 days. As you can see the date was XXXX and today is XXXX.attached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (TX)

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2020 with a balance of {$40000.00}.
Consumer complaint received 2019-07-02
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. (TX)

Experian has failed to complete investigations on the accounts listed below. It is a violation of the FCRA to not properly investigate accounts when requested. 
XXXX XXXX XXXX Simple Account Number : XXXX -date updated on this account shows XX/XX/XXXX and I have disputed this account last month. 

XXXX XXXX  XXXX Account Number : XXXX-date updated on this account shows XX/XX/XXXX and I have disputed this account last month. 

XXXX XXXX XXXX Account Number : XXXX date updated on this account shows XX/XX/XXXX and I have disputed this account last month.
Consumer complaint received 2019-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received copies of my credit report from XXXX, Transunion, XXXX  and noticed the companies reporting inaccurate information in my credit file I called the companies and disputed the accounts the companies claim the accounts was verified and continue to report the inaccurate information on my credit. I disputed by phone and mail so that I can keep complete record of all correspondence I also disputed with the companies that is reporting the inaccurate accounts. XXXX, Transunion, and XXXX claim that they have verified the accounts and that is not already one of the company 's I sent a dispute certified letter to has already been sent back to me saying that the company does not exist these bureau are allowing incorrect information status on accounts and old information to continue to report in my credit. medical collection without my HIPPA so please look into this.with these companies it is not right for them to report information that does not belong to you for the purpose of making money.
Consumer complaint received 2022-12-27
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. (NC)

Experian is violating the law by not removing two fraudulent inquiries they are reporting in my credit files. 

Experian has had proper notice and proper documentation in this complaint that includes an identity theft account and police report even after several days of reporting this complaint to Experian. 

Experian has record that I have provided an identity theft report and police report outlining these two specific fraud inquiry issues and you will see required documentation to order these unknown and non consensual inquiries in the following two false inquiries. 

XXXX. XXXX XXXX XXXX XXXX XXXX stands for XXXX XXXX XXXX according to the Attorney Generals Office and could be precariously posted as XXXX as reported in the identity report I am sure they accidentally overlooked it and I agree not to sue, please remove these two inquiries, thank you see attached. XXXX. XXXX failure to remove a XXXX XXXX XXXX, an identity theft account after providing the proper documents. ( XXXX XXXX XXXX XXXX And, XXXX. XXXX still has not removed inquiries ( XXXX ) from my credit file that was provided to them in an identity theft report and police report ( XXXX inquiry )
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C. (NJ)

Trident Asset Management is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX they are listing this account type as " open '' when it should be a collection. 

2. On XXXX, they are reporting an address of XXXX, XXXX, GA XXXX when that address is no where on their website or BBB profile. How can they have different address on each report? XXXX shows the address of XXXX, XXXX, GA XXXX which is on their website. 

3. They never sent me anything such as a bill of sale, or any letters from the XXXX saying they can collect this debt. 

4. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XX/XX/2014.
Consumer complaint received 2024-10-22
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. (NY)

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

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2015-10-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (OH)

I obtained a loan with GM Financial in XX/XX/XXXX for over XXXX. On XXXX XXXX, the car was totaled. My insurance company received a payoff in the amount of approximately XXXX. They offered {$14000.00} which was credited to my account on XX/XX/XXXX. 
I was past due in my payments and an amount of {$1500.00} would have brought me current on XXXX XXXX. We are now in XXXX and I checked my account which stated I am still past due with a total amount due of {$1500.00}. I have spoken to numerous " agents '', all who have told me that I am still past due because the monies received came from a XXXX party and not me. I raised numerous scenerios, all which irritate the " agents '' more at which one in particular ( XXXX, agent XXXX ) told me the real reason why she is not going to work with me about my concern is because my account is coded as a do not contact and I ask too many questions and I have a " harsh tone ''. These are the questions I asked:1. SO if the check came from an uncle I would be considered late? 
- no because he is not a company2. If the check was for the full amount would the late fees be returned to XXXX and I will still be responsible for the late fees? 
- no ( no reson was given, it was at this point they begin to argue with the terms of my agreement ) 3. If I received the monies from XXXX XXXX and sent the payment myself then would I still be considered late? 
- no, because we got the money from you. 

Here I am, unable to get a car because this company wants to be retaliatary and continue to code me as past due. Agent XXXX stated he can not give me anything in writing regarding how they process payments because there is not one available, and other agents have said things from, call an attorney, we already spoke to you about this, or wanting to argue that I still owe because the full amount was not received, which was not the issue in the first place. The issue is how can I continue to be past due on a loan that had a minimum payment due of {$1500.00} but they received payment of {$14000.00}?