davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-03
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. (MI)

I cosigned for my Son on a loan. He got into financial trouble. He was embarrassed and did not tell me.

I did not receive one letter or notice from the creditor. I would have made the payment to avoid the delinquency. My credit is ruined. I am trying to buy a home and my score has dropped over 150 points.
Consumer complaint received 2020-11-22
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)

Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/ Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

USDOE/XXXX {$3400.00} USDOEXXXX {$18000.00} XXXX  XXXX  {$9400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) {$110.00}
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (MA)

Received a prepaid card to be activated from Ohio unemployment benefits. Never worked in Ohio. I tried cancelling the card, but could not get through to a person via the number provided. Found a form to complete to report unemployment benefits received that did not apply for and there was no where on the website to submit the form. This was for my husband who is now deceased and I do not know how to cancel this card. 

The card was for XXXX XXXX and it was received from US Bank and the website provided was www.usbankreliacard.com
Consumer complaint received 2020-11-03
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: CITIBANK, N.A. (VA)

Citi denied credit to me on XX/XX/2020 with explanations that not evident on my XXXX  credit report which they sighted as reporting the information. I have tried to contact Citi and XXXX  with the phone numbers provided, but neither company makes contact available to consumers other than automated lines with choices that do not apply to my problem. What recourse do I have?
Consumer complaint received 2020-11-03
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. (FL)

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-03
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. (FL)

THE ACCOUNTS/INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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: EQUIFAX, INC. (AR)

Over the past several months I have been trying to correct errors on my credit report with XXXX, XXXX & Equifax but I have not been able to get any assistance. I have been requesting investigation after investigation but nothing has been done to resolve the problem. 

According to the FCRA, the term investigative consumer report means, a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include specific factual information on a consumers credit record obtained directly from a creditor of the consumer. 

I do not make the law, its written in the FCRA. XXXX, Equifax, and XXXX have failed to do a proper investigation. Not only did they fail to do a proper investigation, they are continuing to illegally report on my credit reports..which is a direct violation of the FCRA.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020 and XX/XX/2020, in XXXX I was unwell with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2020-11-23
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: EQUIFAX, INC. (TN)

I HAVE ASK EQUIFAX TO REMOVE A ACCOUNT THAT IS LISTED AS MY ACCOUNT WHEN I HAVE NEVER SIGNED OR APPLIED FOR THIS ACCOUNT.
Consumer complaint received 2020-11-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc. (SC)

I have been unable to work and receiving unemployment through no fault of my own during this Globel Pandemic COVID-19 Disaster emergency like all other consumers struggling right now while we watch all of our leaders that work for us that are supposed to be helping us during this time by providing Federal Stimulus Emergency Funding but are too consumed with filing lawsuits at the moment since ever since they came back from their month long vacations that we pay for. While america cars get repossessed and house get repossessed by Financial Institutions like CARMAX We do have CARES ACT Policy supposed to protect consumers against car loan financial institutions like CARMAX Who cowardly came and stole my vehicle from me and my children in the middle of the night like thieves, no waring, no emails only unnecessary harassing daily phone calls by nasty customer service agents that you just gave them a payment 2 weeks ago. I have been paying what I can from my small unemployment check I am supposed to be feeding my kids with. It's not like they have not received any Payments at all in 3 months? How is this legal and allowed to take place during this Pandemic? Consumer Financial Protection Bureau and the Care Act Laws and policy in place during COVID-19 to receive credit reporting protection and repossession protection for consumers against this poor treatment from these greedy Car Financial institutions like CARMAX who has been forced to close half of their car dealerships and are filing for bankruptcy. They are Closed to speak with consumers on Sundays so we could not speak with anyone for after our hours emergency situations and could not get any answers from calling an actually CARMAX Dealership, We were just told sorry we can't help you call back tomorrow. This felt like we're operating in a third world country not in this century. Honestly, I was so blindsided by this whole thing because of their agreement to work with me during this difficult time, so my children and I were unable to drive to get any essentials all day on Sunday XX/XX/XXXXXXXX before XXXX Holiday. My vehicle is full of very important paperwork and information that I need in my possession ASAP. My family and I have been so upset all day and can not believe we have been treated like this by CARMAX During this difficult time COVID-19. The Consumers have rights and Protection Required by the Care Act Amendments Policy in Place to the FCRA The vehicle information is XXXX XXXX XXXX XXXX VIN # XXXX five year old car Retail value for five year old car not much value needs repairs
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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. 

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 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-11-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In XXXX of XXXX, I received and reviewed my credit reports from Transunion, XXXX, XXXX  and XXXX. On them I saw docket numbers : XXXX and XXXX. I then contacted Transunion, XXXX  and XXXX  and asked for verification on where this information came from. The results were, XXXX  told me they verified these records through a third party company, Transunion gave a vague response that it was verified as accurate but did not say from whom. XXXX  said they verified the records through the court. I believe this to be a violation of my rights under the Fair Credit Reporting Act so I reached out to the court here in Missouri. On XX/XX/XXXX I received the enclosed letter from the court stating that they actually do not furnish any of my information to any credit bureaus at all. XX/XX/XXXX I followed up with the credit bureaus to let them know of my findings and I sent them the letter from the court. Ive done all I can as a consumer but I need your help because I am being ignored. It has been an entire year and I have never gotten a response from the bureaus or any further results. Please review the enclosed documentation and remove dockets : XXXX and XXXX from all credit reports immediately. Please send me confirmation when this is completed. I have also included a copy of my license for identification purposes. 
Thank you in advance for your assistance.
Consumer complaint received 2019-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I was charged 9 times fees for balance inquiry, 8 times in one day and then next day. I didn't inquire balance when I am doing withdrawal. 
Bank of America closed all ATM in my town and I have to pay {$8.00} for each transaction because I don't have any other options. 
This is not the first time bank of America charging me inquire fees when I didn't do any inheres In XXXX I paid {$12.00} in those fees and in XXXX I paid {$22.00} totaling {$35.00}. This is not including other fees that I paid to withdrew the funds.
Consumer complaint received 2020-11-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OR)

On XX/XX/2020 I paid Amerisave Mortgage a {$500.00} mortgage refinance application fee. The fee is held to process the refinance and pay for loan processing services. During the loan processing Amerisave made several errors such as sending my credit score disclosure to the wrong person, loosing employment verification information and unable to explain the fees associated with the refinance transaction. Due to these issues my refinance was delayed by processing thus making it almost impossible to obtain favorable loan terms. Do to these issues they were unable to deliver the product that I paid {$500.00} for and have not responded to my request for a refund both submitted via email to the mortgage originator or the XXXX XXXX XXXX.
Consumer complaint received 2020-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (VA)

In late Spring XXXX, I noticed a new XXXX XXXX credit card on my credit report that was not mine. I contact the bank, provided them with the information they requested and received a letter dated XX/XX/XXXX indicating that they had investigated and held me 'not responsible ' for a credit card ending in : XXXX. It was removed from my credit report. I thought it was a one-time fluke, and perhaps it was. 

However, in XXXX XXXX, my identity was stolen and 5 credit cards were taken out in my name and my checking and savings accounts were compromised. In addition there were 5 other hard inquiries ( that I did not make ) where the thieves tried to take out even more cards in my name. 

I discovered the theft when I applied for a new credit card and was declined and by that time each of the credit cards had been charged to the maximum credit limit and all were late, dramatically dropping my credit score. 

The thieves used the address XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. An address that is not nor was it ever mine. Because the thieves used it the address showed up on my credit report. Only within the last month have XXXX and XXXX agreed to remove the XXXX XXXX address from my credit report. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I contacted the credit card companies and XXXX and XXXX. I provided each company with what they asked from me and 4 of the accounts were closed and removed from my credit report except the XXXX XXXX credit card ending in : XXXX. 

After sending in the information that XXXX needed for the XXXX ' account I received a letter dated XX/XX/XXXX. Indicating that they had conducted their investigation and quoting from the letter : " determined the application and subsequent account to be authorized and not fraudulent based on the following : A credit card and monthly billing statements were sent to : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. '' I tried to contact XXXX several times thereafter and sent another letter telling them what I am writing here - that I have never lived at the XXXX XXXX address, therefore never received the card, never charged anything on the card. 

This past week I called XXXX XXXX to ask about the 'derogatory comment ' on my credit report and the resulting drop in my score. I learned at that point that the account had been turned over to a collection agency - Pyod. The XXXX representative told me I would have to call the collection agency and refused to speak with me further.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

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 XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX : Balance : {$6500.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX : Balance : {$1400.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX : Balance : {$350.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX : Balance : {$240.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX : Balance : {$630.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX : Balance : {$1800.00} - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX : Balance : {$1200.00} - DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Oregon Credit Service, Inc. (WA)

I have made several attempts to clear this up. XXXX XXXX performed unauthorized services and charged my credit card. There is no written work authorization and across the one they left it is clearly marked " Homeowner declined to sign. '' After filing a dispute with XXXX XXXX and providing proof via written explanation from an independent plumber that service performed charged were fraudulent. I have emails in my possession between XXXX XXXX and myself where the manager agrees that I was overcharged and services provided were unnecessary. she said she would correct them but that was never done. They have charged me for the county inspection which was never done and they were refunded by the county for that as well. I have successfully had the collections removed from XXXX and XXXX but can not seen to get XXXX to do anything.
Consumer complaint received 2020-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

Chase is taking my mortgage payment and not applying it to the loan. They clear the check and then put it in an unapplied status meanwhile collecting interest and applying penalties. We have spent hours on the phone with them clearing up the prior month and then it happens again the next month. At the same point, they are sending emails telling me we have not paid our mortgage. This is deceitful and criminal.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

These companies XXXX, XXXX, Equifax Fraud department said that the ideas will be removed over the phone nothing happens yet thank you for helping me with this important matter XXXX bless
Consumer complaint received 2020-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (IA)

My wife and I have been in a COVID-19 hardship since XX/XX/2020. It has now been over 7 months with me losing my full-time job making {$90000.00} per year and now being on unemployment of {$440.00} per week. Citi has only provided 2 months of payment deferrals during this entire period and are calling us non stop every single day trying to collect a debt on a closed credit card that we have no ability to repay right now. This is the only financial institution that we are working with that refuses to help their customers in any way. We have done everything we can to make ends meet and make the minimum payment on this card for the last 5 months and are completely out of savings or any way to pay this card back, but they don't care. 

In the last 10 years, my wife and I have NEVER missed a payment on anything until now. 

I have requested additional COVID-19 assistance multiple times and have been sternly told no and that if the payment is not made they will seek collection services and possibly legal action. 

America is in desperate need of help during this terrible pandemic and the one credit card we have is being extremely predatory.