davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-09
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)

Equifax has committed identity theft am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ), i do understand XXXX XXXX XXXX XXXX  thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA , My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) and Self Lender/ Lead Bank is a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ) n In addition, pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EQUIFAX failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under 15 U.S. Code 1681 ( b ) in conjunction pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, you have failed pursuant to 15 U.S. Code 1681e ( a ) to maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. In conjunction Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) you have willfully fails to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer and you are committing identity theft using my identifiable information unauthorized and by law you are liable to i XXXX XXXX in an amount equal to the sum of {$1000.00} damages sustained by the consumer as a result of the failure In addition you have obtained information on, i the consumer under false pretenses from XXXXXXXX XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a dispute in regards to an account I believe was opened fraudulently on XXXX XXXX through the online dispute center trans union offers they still have not got back to me and it says dispute under investigation still I want this item removed they are not abiding by there own policy not only thats the law its been past 30days
Consumer complaint received 2022-09-14
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Somebody tried to open a checking account on XX/XX/2022 at XXXX in my name. I notified the company to stop the account from being opened. they used my ss # and email address. the company withdrew its application from account being open.. I asked the company for information regarding who open the account. they refused to give me any information.
Consumer complaint received 2022-09-13
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. (MD)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 2022-09-13
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. (NC)

XXXX XXXX XXXX XXXX account XXXX, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 2022-09-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (NC)

I had contacted XXXX many time by calling and written them about the five accounts on my credit report that is not mine. 

1 : TD BANK USA/ TARGET CREDIT 2 : XXXX XXXX XXXX XXXX 3 : XXXX 4 : XXXX XXXX 5 : XXXX XXXX, XXXX I had given them documents that the company, ( XXXX XXXX asked for and still to no end nothing was removed.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc. (WA)

There is a completely different name that is on my background check information.I don't know a XXXX. I have no idea who this person even is. I don't know who that person is that is pretending to be me. They have tried numerous times to access my information.
Consumer complaint received 2022-09-13
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. (MS)

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX, and and incorrect name reporting XXXX XXXX, and multiple addresses. 
This has caused me tremendous XXXX XXXX, and financial hardship.
Consumer complaint received 2022-09-13
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. (NY)

I Did Not Authorize Nor Consent To The Following Inquiries Being Furnished On My Consumer Report. 

1. XXXXXXXX XXXX XXXX XXXXXXXX XXXX )
Consumer complaint received 2022-09-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC (CA)

On XX/XX/2022, I received a letter from The Law Offices of XXXX and XXXX, a debt collection attorney. I called the original creditor on the letter listed as Spring Oaks Capital SPV , LLC. They told me to cal XXXX, who is not a collection agency just a software company that finds debts and hands them out to other collection agencies or Law offices. 

I then emailed The Law Offices of XXXX and XXXX to inform them that all communication MUST be in writing for my records. They called me, when I told them not to. I again, emailed The Law Offices of XXXX and XXXX to inform them to again keep all communication in writing, email or mail was fine. They called me again. So I called back and the gentlemen asked if he could record me, I said " no '' I need you to keep all conversations in writing so he hung up.

My issue is the lack of following the 15 U.S. Code 1692c when I asked them to keep ALL communication in writing. I offered a debt settlement and they just kept calling. I am not against a settlement on this debt, but I am against someone violation 15 U.S. Code 1692c, I have the phone records and emails available if necessary.
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My computer was hacked and routed to a person representing XXXX. The fake agent represented themselves as a XXXX agent with title, badge number, etc. The fake agent got full access to my computer. I did not know it was NOT a XXXX agent. The fake agent told me she could see my Bank of America account was hacked. She told me to check if I had any email notices from Bank of America. I did have a message and it was a XXXX number to Bank of America but unfortunately it routed me to a false Bank of America agent . The fake Bank of America agent told me he could see all the activity in my account and read me the last 5 transactions. He then told me there new fraud transactions amounting to over $ XXXX. He told me he was freezing the account and would start to open a new account but needed to report this to Federal Reserve/FDIC . He called me back with a fake FDIC agent and the fake FDIC agent sent me a letter requiring me to move the money over a Federal Reserve account or I would not be protected. I was asked to go to my local Bank of America branch and wire the money. I did wire the money and once he did not set up new Bank of America accounts, I knew it was a scam. I notified Bank of America immediately but they said the wire was gone and I lost the {$220.00}, XXXX transfer. They would try to send a cancelation but the money was already gone. They had no processes in place to avoid or ask questions about unusual account activity and just pointed to the fact that I signed the wire form. They did not even put a fraud group on the call to review the incident, but said it was wire fraud and I signed the paperwork so it is my issue.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

On my Equifax credit report my credit score dropped XXXX points overnight. I believe an issue arose when my wife filed XXXX  XXXX but reaffirmed the car and is still making payments on time. I never filed Bankruptcy. I think the finance company XXXX XXXX representing XXXX XXXX XXXX located in XXXX Tennessee listed me as filing Bankruptcy because I co-signed with my wife on the car. They can not do this according to the Bankruptcy lawyer for my wife. I asked Equifax to explain and they said they would send me my report. I told them I already accessed annual credit report for them. It said I had a Bankruptcy but when I tried to dispute it it said I had no Bankruptcies. Obviously this is an error that urgently needs correcting as I was about to apply for a real estate loan but can not until this is removed and my score restored.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (OK)

At XXXX XX/XX/2023 I received a text and have filed a police report over {$500.00} bucks in charges to the account after my wallet, work phone, and ipad. 

I received a text from Chime in which they asked me if I had authorized these charges, I said no. They said no charges will be made to my account. However, I checked my Chime account and 7 charges were made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reached out to them and they said they would send this to their investigation team and could not cancel it. Because of this I can not afford my bills. I did not authorize the charges.
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CarMax, Inc. (LA)

I was sent an adverse action from CARMAX INC on XX/XX/XXXX. I in good faith applied for a XXXX XXXX XXXX and was denied. My credit card was used and I received no benefit which is an unauthorized use of a credit card. Pursuant to 15 USC 1602 ( f ) credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. I exercised my right and was denied. They are in violation of 15 USC 1681 ( a ) ( 3 ). They are also requiring a down payment which is a violation of 15 USC 1605 ( a ) which states the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges. So no cash should be required for a consumer credit transaction. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LA XXXX CARMAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX : ADVERSE ACTION Dear CARMAX INC I , the consumer and natural person, was denied credit by CARMAX INC when I applied for a XXXX XXXX XXXX XXXX # XXXX. 
Adverse action is AGAINST THE LAW according to the EQUAL OPPORTUNITY ACT which is codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692k.

You are subject to criminal liability for violating 15 USC 1691 as I have proof that I was discriminated against by CARAX INC due to the response I received. 
CARMAX is in violation of 15 USC 1691 ( a ) ( 3 ) because I the applicant exercised my right to extended credit in good faith. 15 USC 1602 ( f ) states that credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. I am the creditor per 15 USC 1602 ( g ). 
Per 15 USC 1602 ( l ) my social security number ( credit card ) was used. I received no benefit from this consumer credit transaction which is an UNAUTHORIZED USE violation pursuant to 15 USC 1602 ( p ). This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CARMAX INC.

If CARMAX INC fails to make any fair and equitable procedures to resolve and remedy this matter and compensate me for the use of my credit card, I will indeed make CARMAX INC criminally and civilly liable for all actual damages pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ).

I will also follow up with an invoice for said violations ( { {$1000.00} } per violation ). 
Thank you, XXXX : XXXX XXXX XXXX Agent/Beneficiary ] Without prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2022-09-13
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: Experian Information Solutions Inc. (FL)

XXXX XXXX, and Experian XXXX XXXX XXXX XXXX is reporting inaccurate information on I, XXXX XXXX, Consumer Report. 
Both of the mentioned Consumer Reporting Agency are violating FCRA 1681i ( 5 ) ( i ) ( ii ). 
As dated XX/XX/2022, I HEREBY DEMAND both Consumer Reporting Agencys to UPDATE my Consumer Report with accurate information. 
For any noncompliance both of the mentioned Consumer Reporting Agency will be fined pursuant to FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance, and 15 U.S. Code 1681o - Civil liability for negligent noncompliance with Prejudice!
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

My realtor was contacted on the first day of our open house by a fake XXXX field technician that the property had a disconnect notice for that day if I didnt make an immediate payment. My realtor called me and gave me the XXXX number, fake XXXX  number and asked me to make sure our power wasnt turned off. Though I could not locate any emails from them or mail that we were behind on payments I proceeded anyway. 
I let my fear get the best of me and Zelle transferred {$6500.00} in total over the course of 5 payments. They kept saying I had errors in my transactions and that theyd return the payments- they sent emails pretending to be deposits or refunds from XXXX. They had an XXXX email account on letterhead and it seemed legit but something was off but the guy on the phone was polite, savvy, and had an explanation for all of it - we havent even lived in this house since XXXX but Ive been maxing out my credit card used for autopay to pay the construction repairs so it was somewhat plausible that maybe we owed them. 
They are targeting open houses and by using my realtor to deliver the message it carried an air of authenticity.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TX)

I am a XXXX combat vet who lives in XXXX XXXX and do come to Texas every 3-4 months to see XXXX XXXX XXXX I do have US creditors, but I can assure you that I did NOT apply for a credit card over this past weekend or in the last 3 months. 

On Sunday XX/XX/2022 " XXXX XXXX XXXX XXXX '' did a " hard inquiry '' on my credit report, which I have already disputed with the Credit Bureau. I am concerned that there was an identity theft attempt.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I contacted XXXX and Experian regarding inaccurate reporting of 4 accounts. 
1. XXXX- 3 late payments reporting 2. XXXXXXXX XXXX- 5 late payments reporting 3. XXXXl XXXX - 6 late payments reporting XXXX. XXXX XXXX XXXX collection reporting The credit cards XXXX  XXXX XXXX and 2 XXXX  XXXX accounts. I spoke to several representatives about inaccurate reporting and invasion of privacy. According to 15 US Code 1681 it is the consumer reporting agencies grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Because they are being paid to report these derogatory items they are not reporting fair and accurately and have not fulfilled their duties to re-investigate requesting physical evidence but only accept the payment and re-using the initial documents these creditors send them while neglecting the law, my right to privacy and basically accepting these payments as bribes and extortion to hurt my name and credit score. Also, as per 15 US code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party meaning any financial transactions between me and any financial institution. The creditor is sending financial statements even after I have opt-out and exercised my right of non-disclosure and after speaking with both CRAs they refuse to comply to federal laws. I want these accounts updated to never late and paid on time as a resolution. 

XXXX XXXX XXXX- I have no business with this collection agency. They have not send any physical evidence such as a written contract between this business or me. there is no trilateral contract including this company between XXXX, myself, and them. Please have this account removed.
Consumer complaint received 2022-09-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC (NC)

I was in a car accident on XXXX driving a brand new 2022 BMW that I had leased 3 weeks prior. The value is a {$48000.00} vehicle. The other driver rear ended me ( admitted it was his fault ) and I was just notified my car was totaled and can't be repaired. My insurance carrier is XXXX XXXX so they are now in litigation with the driver 's insurance company ( XXXX ) to get my claim paid. Until that is resolved, my insurance company has " paid '' the claim. This is where the issue is. My insurance company ( XXXX ) is paying the full value of the vehicle to BMW XXXX ( leasing company ) instead of paying them the remainder of my lease and paying me the difference. They are telling me that they had planned on paying out my lease and then paying me the difference but BMW Financial will not allow them to do it. I put {$10000.00} down on my vehicle that I had for only 3 weeks. Therefore, my insurance company is refusing to pay me what is owed back to me and paid the full amount to BMW Financial. 

I contacted an attorney and he said it is my insurance company 's responsibility to " make me whole again '' like I was before the accident which means they should be required to pay me the {$10000.00}. They are refusing to do so.