davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2023-04-24
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. (CA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.
Consumer complaint received 2023-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (CA)

Sunrise Credit Service placed a collection on my credit report I do not know who they are or have ever done business with the creditor they stated they are representing. The collection was placed on XX/XX/23 for {$1700.00}. I called them based on the number provided on my credit report and they could not verify who I was besides my phone number. They stated I lived at a certain address which was incorrect. I do not have any information about this company or the creditor they are stating they are representing. The only way I found out about this collection was from a trigger alert I have placed on my credit reporting service XXXX.
Consumer complaint received 2023-09-02
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. (NV)

I am grateful that the XXXX XXXX has successfully eliminated all the reported fraudulent inquiries from my XXXX credit report. However, XXXX still has not removed two remaining inquiries from my credit file, and Equifax has yet to address these three fraudulent inquiries, as they haven't removed any inquiries at all. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to ensure that both XXXX and Equifax Credit Bureaus promptly remove these lingering fraudulent inquiries from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to request an investigation into potential fraudulent activities on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 

See below : -- TransUnion -- XXXX XXXX XX/XX/XXXX -- XXXX -- XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2023-10-11
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Klima, Peters & Daly, P.A. (CA)

In XX/XX/2023 I filed a XXXX XXXX XXXX, which included a garnishment collection. Due to federal law I'm entitled to receive funds back from XXXX days prior of the XXXX filing. After the discharge a representative from lawyers office made contact with Klima , Peters & Daly , P.A . and requested the funds. The Company/attorney from Klima, Peters & Daly . P. A. begin to not answer questions and became very allusive in communication. Upon receiving this information I tried to make contact and they again refuse to give me information about my account due to me 'having representation '. In XX/XX/2023 My lawyer again tried to communicate with Klima, Peters & Daly and talked directly to XXXX XXXX and was told a check would be cut and sent out immediately. The lawyer also advised that monies held by the sheriff office was sent directly back to my companies payroll. After communicating with my payroll and HR I was told that no money had been sent. in XXXX I again reached out to my lawyer and was told that they were having problems reaching XXXX XXXX. To this day XX/XX/2023 I have not received any payment and still getting the run around
Consumer complaint received 2023-01-02
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. (CT)

This is my numerous 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-12
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. (IL)

Ive contacted the companys and the courts and the information is still reported on my file.Ive also uploaded a police report to have them removed expeditiously as Im a victim of fraud and information is still reporting. 
XXXX XXXX  XXXX {$230.00} XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX 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 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America closed two accounts without notice or explanation even though Id never missed a payment. Accounts ending in XXXX  and XXXX. Ive also attached screenshots of the multiple payments Ive made since account opening numbering in the XXXX  or sometimes XXXX  per month in payments.
Consumer complaint received 2023-10-11
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. (IL)

I am filing this complaint to the TRANSUNION. I sent them a letter and called them even regarding the alleged debt of the account reflected in my credit report wherein I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective November 30, 2021, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction. 

I have included my FTC report with the number XXXX as proof of this complaint.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: COLUMBIA BANKING SYSTEM, INC. (OR)

My financial institution refuses to handle a problem with a company that has and continues to try to take money out of my account that is fraud. Theyve canceled my debit card without my permission and then noted on the account that the charges were not fraud. I have called repeatedly and tried to have this taken care of with no success.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2023-10-11
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. (TN)

I am a victim of identity theft. I filed all the correct paperwork according to the FCRA and filed a FTC report. I submitted this all to the credit agencies and nothing has been done and the disputes I filed are not being filed correctly.
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I asked for a return on a mistaken payment. I called customer service every day the following week ( Tuesday - Friday, also Sunday and the following Monday ) to Bank of America to inquire about the said return. I got different answers about when to expect the return. Some reps told me 2-5 business days 1 rep told me 7-10 business days. XXXX wanted to help me, other than tell me to wait and call back if it still has not been returned. After the given period of 2-5 business days I called and the rep said she would escalate it, trace where the money is and credit me XXXX . When i checked 2 days later, i was told there was no credit of XXXX $ and a rep did not have the authority to do so. Also there was nothing else done besides a " small investigation '' into where my money was. Which another rep told me was just to notify me when the money ends up in my checking account. So basically after calling for 7 straight business days noone did anything to help me. I still do n't have my return. And I am told to continue to wait and if it 's still not in my account after 10 business days then call back. Who knows what they will tell me then, but I am relying on the word of customer service reps who have continually lied to me after 7 days of calls. Seems like noone there is willing to help me.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX
Consumer complaint received 2022-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

I filed the complaint back in XXXX and a response was " human error '' due to the mortgage being transferred to XXXX XXXX XXXX XXXX  has to refund me since I was forced to pay {$120.00} extra. it is 6 months now since XXXXXXXX XXXX claim nothing from the round point
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

XX/XX/XXXX {$1100.00} XX/XX/XXXX {$1200.00} XX/XX/XXXX {$580.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$300.00} Wells Fargo said theyre looking into it and in 10 business days they should have my money back is what I was told by XXXX on the phone a representative he said Ill have my money back guaranteed.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-07-04
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: OneMain Finance Corporation (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-02
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (GA)

I financed a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was repossessed on XXXX XXXX XXXX XXXX XXXX, Bridgecrest sent a statement stating the vehicle was sold for {$33000.00} and was applied to the remaining loan balance of {$24000.00}. Their own statement ( dated XXXX  ) says a surplus balance of {$8900.00} would be returned to me via a check. On XXXX  I called Bridgecrest and they informed me they discovered repairs that they could not name that equaled the EXACT amount of the surplus to the XXXX and thus they would be keeping the {$8900.00} surplus that their own statement said was due to me.
Consumer complaint received 2023-10-11
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. (SC)

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, Account number XXXXAccount name : XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-09-02
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (GA)

On XX/XX/2023 at XXXX eastern time, I obtained my most recent credit report from all ( 3 ) credit bureaus whereas this still account appears after notifying the creditor and never received any correspondence back.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-10-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2023, checking my credit report I learned that someone tried to open an account using my personal information. I have a couple hard inquiries on my credit report that I did not authorize, I did not give permission for my credit being ran and I would like to be deleted off of my credit report. I am victim of identity theft.
Consumer complaint received 2023-09-26
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX 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 XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WV)

Equifax is mailing correspondence and credit report and dispute results to the wrong addressee. The name of the Equifax mail does not match the name of the credit report.
Consumer complaint received 2023-06-09
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. (NC)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.