davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

us bank allowed the IRS to close both of my secured credit cards with them. XXXX of the cards was closed with a XXXX balance the other card was closed with me oweing XXXX due to the bank letting them over draw my secure account
Consumer complaint received 2023-05-04
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. (FL)

Ive tried multiple attempt to have information on my credit report blocked. Due to collection agencies not following proper protocol pursuant to my right as a consumer involved with Title 15 U.S.C. These companies have not been doing what is fair and equitable to me as a consumer, as my rights have been violated. I have sent dispute letters explaining the issues, and no proper remedies were made. 

Dates I contacted these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax CRA ) XXXX XXXX XXXX For reasons of inaccurate reporting of accounts on my credit file. 

They did respond just not in a timely manner but informing me that all account were accurate but with no proof of any kind shown to me.
Consumer complaint received 2023-11-06
Product: Credit reporting 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. (NY)

This is 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 2023-10-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Simpson Law Firm, P.A. (MS)

The information they provided is false and misleading. XX/XX/ I went to court regarding a debt with XXXX XXXX company in XXXX, XXXX Due to my bad health and extreme hardship the judge asked the plaintiff to step outside and work out a payment arrangement. We did. I agreed to pay {$100.00} a month and they accepted and would contact me on how to make the payments. Soon afterwards, I received a letter of judgement stating that I didnt come to court and they were awarded a judgment. I contacted the law firm and we argued back and forth until they agreed there was an error and they set the judgment aside. I then began making the {$100.00} payments on XX/XX/ by money order. After XXXX payments, I called them to get my payoff and they could not find any record of my payments. I stopped making payments until they did their research to find my payments. 
They tried to garnish my wages. There is a 7 year limit to collect debts in Mississippi. They have falsified dates and amounts just to extort money. I can prove all the dates because I still have my XXXX XXXX XXXX original paperwork that they probably didnt expect. 
They are not a member of the XXXX and their reviews and complaints are quite similar to mine. They are trying to attach this judgement to my workers compensation case that I will be settling soon. Please help me prevent this injustice.
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (IL)

XXXX XXXX center ignoring/not resolving/not providing updates as to updated their errors made regarding student loan forgiveness. Not completing required tasks on their end to ensure the loan forgiveness was processed correctly and accurately. 
Mohela ignoring/not resolving/not providing updates as to updated their errors made regarding student loan forgiveness. Not completing required tasks on their end to ensure the loan forgiveness was processed correctly and accurately. 
I have filed complaints, requested " escalation to ombudsman '' as I was informed to do. I submitted documentation as requested within time frames required. I have called both Mohela and XXXX XXXX multiple times with no success. Requests not completed entirely to refund all payments made during the covid pandemic forbearance as requested. I continue to be told to be patient and " give it time '' when I have had to take time away from work and have taken hours upon hours to follow up and attempt to get these issues resolved. The escalate to ombudsman did not even work, so no advocate to help. I sent them an email a month ago, still no response. They were supposed to follow up with me as they were investigating and I have yet to have anything other than we are still working on it and that was on XX/XX/XXXX that they were still waiting and would update in 15 days and they have not. I am constantly sent back and forth between both entities, being told different tasks to complete and complete them as requested with no success. These issues are all over someone not doing their job and counting what was submitted as requested in to my payment counts for student loan forgiveness and forgiving the loan and " canceling '' the updated PSLF application that was submitted as requested in XX/XX/XXXXXXXX XXXX  ( yes, a year ago ) and approving the documentation I was told to submit, but not processing that documentation to correct payment counts to include several years of qualifying payments, which result in my loans meeting qualifications much earlier than were counted, which I am owed a significant amount of money, several years worth as well as refunds for payments made during the COVID pandemic since I only received XXXX of those payments. I have large amounts of letters/dates/times/conversation notes as well as letters/emails/correspondence from Mohela and XXXX XXXX that can be provided, but there is so much it is unable to be uploaded in area provided on site.
Consumer complaint received 2023-10-17
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. (OH)

This is XXXX XXXX please XXXX 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 2023-08-21
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. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2023-10-17
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. (OR)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-10
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. (IL)

After sending information to verify myself with my disputes, as of XX/XX/2018 the CRAs have not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00}
Consumer complaint received 2023-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK (TN)

XXXX ID # XXXX with first horizon bank. I had my wallet stolen along with my debit card. Roughly {$700.00} something dollars went missing from my account. I provided all information they asked for except police report number as XXXX XXXX police never gave me a report number. I made the report over the phone to the police and only received text confirmation that a report had been made. I have been in and out of the hospital dealing with health issues and have hardly had time to deal with getting my money back. The majority of which was taken out at ATM 's which have cameras and should be easy to see that it is someone else making withdrawals. All I want is my money back and to have whoever stole my money prosecuted.
Consumer complaint received 2023-07-10
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. (VA)

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.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Hello, I am a XXXX  year old male who is having issues with XXXX  account from golden one. I am of age to possess this account. Golden one will not allow me to transfer fund out of account. Golden one is illegally holding fund that I can not access. I pay the taxes every year on this account and can not access any of the money?
Consumer complaint received 2024-04-05
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. (GA)

I recently reviewed my credit report and I noticed some inaccurate accounts on my credit profile. I was unaware of these accounts so I disputed the accounts in question and requested an validation of the accounts and haven't received anything yet. These accounts are causing me harm due to trying purchase a vehicle and cant because of the negative items. Attached will be my letter and FTC report.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-11-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I sent XXXX money transfers to XXXX XXXX XXXX XXXX for XXXX vehicles that I had purchased. The first was sent on XX/XX/2023 for XXXX. The second was sent on XX/XX/2023 for XXXX. The name of the company was XXXX XXXX XXXX XXXX from XXXX XXXX XXXX 

I sent the money from my XXXX XXXX account to their Bank of America account. The bank of america account number XXXX with routing number XXXX reference number XXXX. 

After being suspicious of fraud I called XXXX XXXX within XXXX hours to report the fraud.I also called Bank of America and they were no help in this matter and said they couldnt do anything about it. I also filled out an XXXX form and the FBI was notified. I have yet to hear back from anyone. XXXX XXXX VA XXXX XXXX was also notified and they said they have received numerous calls about this company for a week but yet this company still were online and selling the cars. 

The company had all the pictures, videos and titles of each car on their lot. I was sent numerous pictures and videos of the cars and even talked to him on the phone numerous times. 

The claim numbers from the bank are XXXX and XXXX. 

If there is anything else needed please let me know I have the whole conversation on text.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I applied for a auto loan and did not give permission or consent To ANY OF THESE PLACES!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-15
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. (IL)

I contacted Equifax to regarding the 125 inquiries and hard inquiries that were fraudulently obtain On my credit report and they refuse to remove. Also have a police report.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX of 2023. I noticed a collection from XXXX XXXX XXXX. I have reached out to the credit agencies to dispute this collection to no avail. This is not my debt. I have impeccable payment history and have always been in excellent standings with all of my accounts. This collection has affected my credit report tremendously. I am asking for you all to please look into this account on my behalf. Thank you in advance
Consumer complaint received 2023-06-17
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. (FL)

I have thoroughly reviewed my credit report and i would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that this account be investigated. 
Under 15 u.s. Code 1681 Congressional findings and statement of purpose ( a ) it states accuracy and fairness of credit reporting XXXX OF XXXX Account Number : XXXX
Consumer complaint received 2023-08-02
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: National Credit Adjusters, LLC (CA)

VICTIM OF IDENTITY THEFT. ACCOUNT HAD NO LATE PAYMENTS AND WAS PAID IN FULL BUT DUE TO XXXX XXXX BREACH AND OTHER BREACHS I AM A VICTIM OF IDENTITY THEFT.ANY INQUIRIES MADE WERE UNAUTHORIZED. I DEMAND THE INQUIRIES TO BE DELETED ASAP
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This is XXXX 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 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XX/XX/2022
Consumer complaint received 2023-10-17
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group (OH)

I was called and harassed by this company they used profane language and violated my consumer rights The Fair Debt Collection Practices Act ( FDCPA ) is a federal law that limits what bill collectors can do when attempting to collect debts from consumers. The FDCPA prohibits debt collectors from : Calling your cellphone in certain situations Placing repeated or continuous telephone calls to you Having telephone conversations with you with the intent to annoy, abuse, or harass you Communicating with you at any unusual time ( generally before XXXXXXXX XXXX or after XXXXXXXX XXXX in the consumer 's time zone ) Communicating with you at any place that is inconvenient to the consumer
Consumer complaint received 2023-04-19
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: WELLS FARGO & COMPANY (NC)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$5900.00}, XXXX XXXX XXXX Balance : {$11000.00} & XXXX XXXX XXXX Balance : {$15000.00}.
Consumer complaint received 2023-07-26
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)

I strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.