davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Experian. Please delete the following accounts. XXXX XXXX bal. {$280.00}
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transition, XXXX and XXXX ) about a recent collection notification on my credit report. Each collection agency has not provided adequate customer service to address the issue. In each instance, my inquiry is sent to various service agents. Eventually, my call is terminated after more than an hour on hold.

Summary of issue : The collection agencies indicate that there's an outstanding debt of {$600.00} being sought by XXXX XXXX XXXX XXXX. Further investigation on my part concludes that this is a fraudulent effort by the original inquiry company XXXX XXXX  ( a leasing company ) to force payment on a non-existent debt. The debt in question is an administrative fee imposed by the leasing company ( XXXX XXXX  ). This is a retaliatory effort, since I submitted a request for leasing reimbursement. The reimbursement was to address non-compliance of a leasing agreement. I have attached my original reimbursement request to XXXX XXXX  for reference. This amount remains outstanding. Since they are a business entity, I am unable to follow suit with regards to reporting. In addition, I have never been contacted by the collection agency about the outstanding debt. Neither have I been provided the opportunity to showcase evidence that this is a fraudulent effort.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I wish to stress that I have no association with these creditors, and I did not instigate this inquiry on my credit report. I urgently beseech you to take immediate steps to remove it without any additional delay. I kindly request a thorough investigation into this matter and swift correction of the error by removing the unauthorized inquiry from my credit report. Your prompt attention to this issue is deeply valued and greatly appreciated.
Consumer complaint received 2023-09-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (SC)

On or around XX/XX/XXXXXXXX  through XX/XX/XXXX I applied online for a loan of {$2000.00} from PNC Bank. I was approved and was told to go to branch and sign loan documents which I did on XXXX XXXX at approximately XXXX. I went to the XXXX XXXX Branch on XXXX XXXX and met with banker XXXX XXXX who produced documents for an unsecured loan and a cashiers check for XXXX XXXX dollars, which was cashed, I then left the bank. On XX/XX/XXXX at approximately XXXX I returned the money for the loan as it was no longer needed to teller XXXX XXXX. I have had many dealings with this teller as she has handled many transactions for me over the years.She asked for my drivers license, and bank card and I gave her the XXXX XXXX and told her to apply it to the loan, which she did. For the next few days there was a XXXX balance on the loan untilXXXX XXXX when I noticed that the bank had put the loan back on. I called the branch and was hung up on three times. I finally reached XXXX XXXX the asst VP told him what happened and he said he would look into it. I was told to wait a couple of days and then it was escalated to executive client relations XXXX XXXX and XXXX XXXX. They kept insinuating that the loan was not paid and I asked them to pull the security tapes which they still have not done for the payoff date of XXXX XXXX. I have consistently been informed that after paying the loan I called in for payoffs ( I Have mobile banking did n0t need to ) XXXX XXXX said that maybe paid something else always story. On XX/XX/XXXXXXXX  i along with my wife went to the branch spoke with the teller XXXX XXXX and asked if she remembered the trans action, she did vividly, the amount, where it was applied and we had a talk about our children and the upcoming school year. I asked if anyone had interviewed her about the missing money and she said I did not even know about it.I then went and spoke with XXXX XXXX and asked if he asked the teller involved about the transaction, he replied I have not talked with anyone.I asked if he could call XXXX XXXX into the office to corrobate my claim and then inform escalations in PNC. He Stated '' It does not work like that. '' It is my opinion that they dont even have the tapes which should be time stamped, and dated. They put the loan back on, refuse to take it off even with a paid in full letter dated XXXX XXXX  from PNC thanking me for paying the loan in full. Please help they are trying to destroy my credit and reputation Thank You
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

This complaint is a request for action. 

I want EXPERIAN to remove all the soft inquiries off my report and deny any access for any entities to utilize soft inquiry through EXPERIAN 's information systems. Soft Inquiries are an invasion of privacy when they are being allowed without consumer consent and when the credit report is in security freeze status which mine have been since XXXX XXXX 

Remove : both the XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX and EXPERIAN I want to be provided with an updated report showing removal of the soft inquiries and my FICO credit score from EXPERIAN.
Consumer complaint received 2023-06-01
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 fourth 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 records 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 XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$420.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-06-01
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. (NE)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received three American Express gift cards in XX/XX/2023. I initially had trouble using all three of them. I would get an error message for online transactions or a " card declined '' message at stores. I spoke to customer service and received zero help. I was told to try again or try a different merchant. I was eventually able to make purchases with two of the cards, but at a certain point they all stopped working anywhere. The cards say " active '' on the American Express website. I have to tried to use them at grocery stores, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX and more and they are all declined every time. Both online and in stores. I have had the same experience with other American Express gift cards in recent years. I feel like they make the cards impossible to use in hopes that the customer will give up and they will keep the money. I have unused balances of {$25.00} ( this card never worked ), {$8.00} ( out of {$300.00} ) and {$89.00} ( out of {$100.00} ). They are all non-functional.
Consumer complaint received 2023-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (SC)

Hi my mortgage servicer is Selene, I was awarded XXXX that only XXXX was applied to the account from XXXX  XXXX in XX/XX/XXXX. On XXXX XXXX they sent out a demand letter stating XXXX was due. As of XX/XX/XXXX our home is now in foreclosure. We had 30 day grace period when Selene took over for XXXX XXXX  awarded 30 day grace period also we never received We was charged for fees and advances XXXX on XXXX XXXX. I'm sending documents showing additional over charge. 
If you need more information call XXXX email me @ XXXX Thank you XXXX XXXX XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

While I was in XXXX on a company business trip at an all paid for resort I had {$490.00} taken from one of my checking accounts. This occurred on XXXX. The charge is from a grocery store. This account is used strictly for a recreational hunting property. I have never made a claim like this in the past. All history on the account is between XXXX XXXX, XXXX XXXX and the power company. I left my wallet in my room for the majority of the trip as I didn't need it because everything was paid for. I believe someone got a hold of my card and made the transaction without my knowledge. 
Claim # XXXX I have spoken with BoA multiple times about this and they seem unwilling to help. Based on the fact that I have been with BoA for over 25 years, and I have never made a claim like this, and my account activity clearly shows this is out of the ordinary I feel like I should be given a full reimbursement.
Consumer complaint received 2023-09-12
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)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

A XXXX XXXX XXXX XXXX XXXX, and a XXXX XXXX card were all open under my name on XXXX, XXXX, and XX/XX/2023 respectively. None were by my consent or known by me. I have called all the companies except for XXXX since this just happened but plan on calling XXXX on Monday. It has affected my credit score and money was taken out of those cards.
Consumer complaint received 2023-04-18
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)

My name is 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 reportsno consent is fraud. 

XXXX XXXX Bankruptcy Filing Date XX/XX/2016 Docket XXXX, XXXX XXXX XXXX Date Opened XX/XX/2016 Balance {$0.00}, XXXX XXXX Date Opened XX/XX/2016 Balance {$0.00}
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX Account XXXX : XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-02
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: EQUIFAX, INC. (NC)

I have included an attached letter explaining the issue, I have disputed over and over to get these issues fixed and my last steep is to bring my attorney into this cause I have all the information showing what XXXX is reporting is incorrect and each time i Dispute nothing is resolved. Im not sure but maybe its all automated and this is causing XXXX to not see the issue. 

XXXX Opened XX/XX/XXXX then went 90 Days Late Charged Off XX/XX/XXXX Paid to Collector who had the account XX/XX/XXXX Report showing its been Charged-Off 3 different months instead of just XX/XX/XXXX Date of First Delinquency XX/XX/XXXX ( Correct ) Date of Major Delinquency was XX/XX/XXXX as XXXX XX/XX/XXXX then when I Disputed the Charge-Offs XX/XX/XXXX the date was changed to XX/XX/XXXX for the Date of Major causing FICO to drop my score XXXX points showing me less than 60 days late when it was over 4 years all cause they changed the " Date of Major '' from XX/XX/XXXX to XX/XX/XXXX when it was Paid in Full XX/XX/XXXX ... Make sense???? 
I have included all the Documents... 
PLEASE HELP... I cant get XXXX to respond or act upon any of this ..XXXX XXXX has them as being removed do to issues just like this...
Consumer complaint received 2023-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

I sent a letter on XX/XX/2023 in response to the letter that lacks the missing documentation in regards to the ownership to substantiate their claims that LVnV is the current owner of a fictitious allege debt. But no response, i have include the inaccurate information that shows a lot of errors on their part but they seem to be silent about it. specially a rep name XXXX.
Consumer complaint received 2023-06-01
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. (NY)

When I investigated my credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IL)

On two separate occasions I have initiated a balance transfer from XXXX to WELLS FARGO to pay off a balance. Both times WELLS FARGO has returned the payment. 
Pursuant to UCC 3-603 ( c ) interest no longer accrues on this debt.