davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
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. (CA)

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The accounts I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block the following accounts : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXXXXXX balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$220.00}
Consumer complaint received 2023-04-05
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. (TX)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that appear on my credit report. After carefully reviewing my report, I have found several errors that are causing damage to my credit score. 

Firstly, I noticed that there was an inquiry made by XXXX XXXX XXXX  XXXX on XX/XX/XXXX. However, I do not remember authorizing this inquiry and I believe it might be fraudulent. Therefore, I request that this inquiry be removed from my credit report immediately. 

Secondly, there was an inquiry made by XXXX XXXX, XXXX on XX/XX/XXXX, which I also do not remember authorizing. As with the previous inquiry, I believe this may be fraudulent, and I request that it be removed from my credit report immediately. 

Thirdly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which to the best of my knowledge, has never been paid late. However, your reporting of this account is completely inaccurate and is negatively affecting my credit score. Therefore, I request that you update this account and delete the inaccurate information immediately. 

Fourthly, I have an account with XXXX XXXXXXXX XXXX, account number XXXX, which I find questionable as I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Fifthly, I have an account with XXXX XXXX, account number XXXX, which I do not recognize as belonging to me. I kindly request that you investigate this matter and delete this account from my credit report. 

Sixthly, I have an account with XXXX XXXX XXXX XXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

Lastly, I have an account with XXXX  XXXX, account number XXXX, which I find questionable, and I am not certain about the accounts name and number. I request that you clarify this information with me, or delete this account immediately from my credit report. 

I would greatly appreciate your prompt attention to these matters. I look forward to receiving a written response from you within 30 days, as required by the Fair Credit Reporting Act. 

Thank you for your time and assistance in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-05
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. (MO)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

There was XXXX. In old XXXX negative that must stay negative. And ss payment must transfer to new acct. XXXX. 

I just got a new manager XXXX with XXXX XXXX XXXX XXXX I haven't been able to call or go to social security. 

Also no investigation is under way about XXXX. Fraud claim in XXXX XXXX  to XXXX XXXX XXXX. And it is not being credited If this not DONE I WILL FILE A LAWSUIT AGAINST BANK OF AMERICA!! KAPEESH? 
AND I JUST FOUND A S****LOAD OF XXXX LAWYERS XXXX AND XXXX XXXX IS WORKING WITH ME AT COURTHOUSE. SO DONT XXXX  WITH ME!! 
GOOD LUCK, XXXX AND XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-05
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. (NJ)

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$540.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$690.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-13
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: Experian Information Solutions Inc. (CA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc (GA)

I purchased and paid in full a pair of pants from the company XXXX XXXX, order XXXX, placed on XX/XX/XXXX, for {$260.00}. I received the pants in late XXXX and decided to return them to the merchant. The merchant approved the refund and issued the refund, in the amount of {$220.00}, back to my original form of payment, which was Affirm. The card I used to make payments to affirm, ending in XXXX, had been compromised late XXXX and I received a new card. Affirm is actually culpable in my information being compromised, but thats not my complaint. My complaint is that I havent received my refund, even though the new card has been added. They refuse to respond and provide me MY money.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (MA)

Everytime I try to apply for Credit they say my XXXX  score is XXXX Im like I dont even have a credit score let alone credit I never use credit my credit report has no open credit or accounts everything is XXXX in my credit report
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX late open XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (IL)

I was leasing a Ford vehicle when I went to purchase a vehicle from XXXX. When I returned the car, XXXX and I asked Ford how much was owed to close out the account. They provided us with an amount and XXXX wrote a check in full. I have now been notified that after the fact, Ford added a balance to my account for mileage and condition. I was never notified of this. I even called Ford and asked them to pay me for the tires on the car because they were brand new and under warranty. They never responded to this request. After XXXX XXXX XXXXXXXX took over the debt collection, I saw it on my XXXX account and disputed it. Now XXXX XXXX XXXX has also notified me that someone else was served my summons after I moved and they have been charging me interest. They are now garnishing my wages. I have asked them what proof Ford gave that they communicated this debt with me and they still have not provided me with anything. The only thing they are willing to give me is the documentation that Ford gave them, but never gave me. The tires on the car were {$900.00} and they TOLD me I would get them back, but then said they auctioned the car before they could. I was never compensated for this.
Consumer complaint received 2024-10-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (MT)

I have been in contact with Ally Financial/Bank trying since last week to get a payoff faxed to my local bank so I can refinance. I've been trying to get that information since last week XX/XX/year>. I have talk to numerous people all which I can barely understand and I have had XXXX luck getting the payoff faxed to my bank. I have spent hours on the phone with no help and then I have also been forwarded to the fraud department. Then when i talk to the fraud department they are telling me it a dealer reassignment but are unable to tell me what that means and that I have to contact the dealer where I purchased. I have contacted the dealer which I bought the vehicle at and they have no information from Ally. They have no idea to what they are talking about and have not been contacted by Ally. They said that dealer reassignment is impossible because they sent the title to Ally. It seems that 3 people that I talk to can't fax it and transfer me to the fraud department. Then the other people at Ally I talk to say that the payoff will be faxed but it never happens.

I'm also trying to get my title or a copy of the title so I can register the vehicle in XX/XX/XXXX after moving from Nevada. The state of XX/XX/XXXXusually gets that info automatically but hasn't received any from Ally.
Consumer complaint received 2024-10-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (NJ)

A late payment was reported on my credit report over a year ago around XXXXXXXX XXXX XXXX. I recently spoke with XXXX at Ally Financial who stated they agreed to remove the late payment but never provided me with an estimated date. I'm trying to start the process of buying my first home so I need this removed in order for me to be able to apply for a mortgage and get the best rates.
Consumer complaint received 2024-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc (NC)

I have not supplied under the doctorine of estoppel silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

According to FCRA Section 605B its illegal to put anything on my credit report without my permission. Please remove this negative item. Thank You
Consumer complaint received 2024-10-23
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/year> or XX/XX/year>, a debit was made by the bank, an amount of {$79000.00}, overdrafts about {$1.00}. I'm gon na want {$79000.00} back into account ending in- XXXX and I don't like that interest of {$1.00} which they can keep. I didn't do anything bad to cause the business relationship with this bank. So it is discrimination to close my both of my bank accounts, ending in XXXX and XXXX.
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I tried to send a wire transfer from my Truist Business account for my XXXX XXXX XXXXXXXX ( which I am the only owner/member of ) to my personal account. It was only for {$100.00} and the reason I elected to send a wire was because I dont have the accounts linked and linking them for a transfer would have taken a couple days and I needed the {$100.00} right away for a personal expense. 

I got an email from Truist saying wire came back rejected for fraud. Right after, my account was locked. I called and they said they cant give me any information AT ALL, and that I had to go into a branch. I rushed to a branch and the lady was super helpful. She said in the notes it looked like they just wanted to verify I was the true owner of the personal account I was trying to send to, and all they would need to unlock it was a statement. I immediately logged into my personal banking app and provided this. She called and we were hoping to get it unlocked. When she called they told her that regardless of what the note says, they dont need the statement and that they have to conduct their own investigation which will take XXXX days. There is also NO direct number for the department conducting this investigation. I cant get transferred to them, the Truist employee at the bank cant even talk to them and NO one can give me any information. Ive received no correspondence from Truist. The lady at the branch was sympathetic and I left distraught. 

XXXX at a loss because ALL my operating funds for my business are in that account. I cant believe they locked my account over an {$100.00} wire to XXXX. XXXX at a loss and dont know what to do.
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I purchased a dog training program on XX/XX/XXXX that included a lifetime membership to group classes offered at least once per week. The total was {$3200.00} split into XXXX payments of {$1600.00} to the merchant name " XXXX XXXX ''. The first payment was transacted on XX/XX/XXXX and posted on XX/XX/XXXX. The second payment was transacted on XX/XX/XXXX and posted on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX, the dog training company, decided that they would no longer honor the lifetime classes and instead charge a membership of $ XXXX. The company is still in business and not bankrupt, they have just changed their business model and will not honor previous contracts. Another way of thinking of it is if you purchased a yearly subscription for XXXX and 6 months later, XXXX announced that the yearly subscriptions would be cancelled, not honored or refunded and you would have to take the monetary loss and resubscribe on a monthly plan. 

I reached out to Bank of America to dispute one of the {$1600.00} charges from XXXX and the representative told me to mail a letter to their Texas Claims office since the transaction was over 2 months old. I mailed the letter and reason for delayed dispute and my claim was opened on XX/XX/XXXX. I received a request for more documentation but there was no upload option on the Bank of America website. I called and a representative told me to print out the documents and mail it tot the Texas Claims department. On XX/XX/XXXX I received a letter stating that the claim was denied because the dispute was too far back. I called Bank of America again to clarify the issue and was told to send another letter to the Texas Claims office with more detail. I did so, with more detail and documentation and a new claim was opened on XX/XX/XXXX. I received another letter of XX/XX/XXXX stating that the claim was denied again because of the time frame. 

It is clear that there is a disconnect in practice within the Bank of America and that their claims department is not putting the required time and attention into resolving their cases.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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