davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have first noticed by Bank of America about my fraud transaction and call the fraud department and the gentleman from the fraud department said someone already uses my credit card for over {$2000.00}, even it shows the decline and the gentleman closes my credit card and will file a fraud claim. I have reported to the Bank of America fraud department about my fraud transaction and the amount is {$430.00}. Credit card fraud claim denied for some reason. I want them to refund my fraud Amount of {$430.00}.
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (OH)

Early Warning Services did not comply with request. Instead of providing an accurate and true report, I was provided a statement which in no way shows why I cant open bank account. This is a breach of my personal privacy as it relates to transactions which early warning services are not a party to and did/do not have my consent to purchase our share any of my personal information.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my XXXX 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 CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 ; XXXX Inquired on XX/XX/2021 2021
Consumer complaint received 2022-12-22
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. (IL)

transunion is doing a fine job deleting 3 of my hard inquirys they need to get rid of these to XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ) XX/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
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

See attached As requested all documents have been provided please get this taken care of within XXXX XXXX as you are required to do by law XXXX XXXX XXXX XXXX XX/XX/199XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

When I reviewed my credit report, I discovered that some of the information was 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 updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX late open Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Paid My XXXX XXXX XXXX on my due date XX/XX/year> then accidentally scheduled my XXXX XX/XX/year> payment for XX/XX/year> but I'm not concerned about that. My XX/XX/year> payment was returned as I made a mistake and paid early. I noticed this and paid XXXX XX/XX/year> in the amount of {$700.00} and XX/XX/year> in the amount of {$110.00} and then XX/XX/year> in the amount of {$310.00} So I was 14 days past due Speaking to multiple reps with XXXXXXXX XXXX XXXX  XXXX XXXX. They told my it not 30 days late but when talking to the dispute center he argued that if I have a due date of XXXX and my statement ends on XXXX then any payment after the XXXX of XXXX is and will be reported as 30 dahs late I said even if it's only 4-5 days after my due date he said yes thats 30 days late but my payment wasn't due till XX/XX/XXXX XXXX and I paid XX/XX/XXXX on time so its not late by 30 days only 14. If I missed paying by XX/XX/XXXX or XXXX then I'd be late but I was 14 days late
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my several endeavor to tell credit bureaus 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : - ; XXXX XXXX  XXXX XXXX Balance Owed : {$1000.00} ; 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 XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 ;
Consumer complaint received 2016-03-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN SECURITY MORTGAGE CORPORATION (NC)

I purchased a house this year, closing with American Securities Mortgage. Soon after closing, they sold my mortgage to XXXX XXXX. I received my XXXX from XXXX but American Securities Mortgage is refusing to provide me with a XXXX, stating that since they sold before my first payment, they did n't have to send me one, even though they collected Mortgage Insurance premiums and Mortgage Interest from me.
Consumer complaint received 2023-05-28
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed accounts need to be removed XXXX XXXX XXXX XXXXXXXX closed on XX/XX/XXXX XXXX  loan closed account remove account transunion closed accounts auto loan cXXXX XXXX ( it was removed from XXXX i need it removed from transunion and XXXX asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair credit reporting act XXXX my rights have been violated. 15 usc 1681 section 602 A states I have the right of privacy. Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written consent.
Consumer complaint received 2016-03-23
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: First Recovery Solutions, Inc. (IN)

I have spoken with them on the phone every day for the past week and they continue to call me multiple times per day repeatedly. When I have asked for additional information or asked to speak with a supervisor, I 'm told they wo n't answer questions or transfer my call because I owe them money. I have been rudely hung up on multiple times now.
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

An attorney for a creditor placed a restraint on my bank account. The Bank of America sent me an exemption form to fill out which is required under NY State law. The only money in the account was direct deposited Social Security benefits. I filled out the form to say the only income in the account was exempt. The Bank continued to restrain the account. I contacted an attorney. She contacted the creditor 's attorney to inform him the income was exempt and he sent a notice to the Bank to release the account. The bank released the account, but retained a {$120.00} processing fee. Under New York State law, the Bank is not entitled to the processing fee if the account should not have been restrained. Because the bank knew the only money in the account was direct deposited social security benefits, the account should not have been restrained. The bank has no responded to my attorney 's requests to refund me the {$120.00} processing fee.
Consumer complaint received 2016-06-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Mobiloans, LLC (FL)

I applied for a small loan and was accepted for a short term loan. Being military with XXXX credit I anticipated 36 % but found this to be more of a Payday loan. They are trying to classify as line of credit and trying to circumvent the military lending act and service member civil relief act. 
I have contacted them but they refuse to waver which is putting myself in financial hardship.
Consumer complaint received 2022-12-22
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)

My name 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 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I have an old credit card with XXXX XXXX XXXX that was opened in XX/XX/XXXX and marked as charged off in XX/XX/XXXX. My credit report is still showing that there are late payments as of XX/XX/XXXX. There is a 90 day late payment being reported to Equifax in XX/XX/XXXX and a 90 late payment being reported to XXXX in XX/XX/XXXX. I called XXXX XXXX XXXX and they will not remove any late payments from the account.
Consumer complaint received 2023-05-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called Transunion on XX/XX/2023 and spoke with XXXX XXXX who refused to provide me details of my previous disputes and the creditors removed as a result of those disputes. He also refused to escalate the call to upper management stating " the buck stopped with him there was no else who I could speak with. I explained that multiple creditors who were previously removed through the dispute process were resold to third party collectors. I recently disputed the accounts that are now back on my credit report and Transunion concluded they were valid w/o any actual proof from the creditors only by electronic confirmation. Transunion has failed to make sure that the information that is being reported is true and accurate. If I am disputing an account due to it being nearly XXXX Years old why aren't they asking for proof of the debt I'm disputing due to it being to old. Why are they allowing the creditors to simply send electronic correspondence with the exact information they are reporting. Transunion refusal to provide previously disputed information is a direct violation of the FCRA which is allowing them to not be held accountable for their wrong reporting.
Consumer complaint received 2017-02-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TENET HEALTHCARE CORPORATION (NE)

I have a collection that was filed after my bankruptcy. It was filed by Central Financial Control who also does business as Syndicated office systems. I disputed XXXX and had the collection removed that was filed under central financial control and they re-opened it as Syndicated office systems XXXX XXXX. Then they opened again with XXXX as Central Financial Control. I have contacted them and sent them copies of my Bankruptcy and all information and they refuse to remove it. It is sitting as an open collection. THere are no account numbers or dollar amounts on either XXXX. They say that it was last reported XXXX 2015, yet the collection was n't opened until XXXX, this date has also changed as the original open date was XXXX 2015
Consumer complaint received 2023-06-26
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)

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 XXXX XXXX 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 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXXXXXX. ( Open Date XX/XX/XXXX, Balance : {$900.00} ), XXXX XXXX ( Open Date XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXXXXXX XXXX ( Open Date XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Open Date XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX ( Open Date XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance {$7300.00} XXXX XXXX ), XXXXXXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$570.00} XXXX XXXX ). Its been over XXXX XXXXs and TransUnion havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$26000.00} XXXX  XXXX Balance : {$24000.00} XXXX  XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX  XXXX Balance : {$26000.00} XXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have unauthorized credit inquiries on my credit report as the result of identity fraud. The companies that summitted inquiries and the dates they submitted inquiries are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (AL)

There was a credit builder loan that was received in my name that states that the loss on the loan that was reported on my credit report was a write off of {$500.00}. That amount of money was never dispersed to me. The amount that they are collecting is the amount that I received, {$120.00}. When I attempted to cancel the loan, they refused to do so and continued to try to draw money from the account that was connected to the XXXX XXXX loan. Today I spoke with the company concerning the report on my credit, stating that it was incorrect and they continued to tell me that I signed a contract. It was stated to me that the matter would be escalated, but I am unsure as to what that will actually do. Date open XX/XX/2021 Status updated XX/XX/2021, last payment date XX/XX/2021. I have never received or used the {$500.00} that they are stating was loaned to me.
Consumer complaint received 2023-09-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Financial Service LLC (Idaho) (ID)

I received a letter in the mail for an incorrect address and the not very nice guy named XXXX decided to degrade me and be little me because i told him this debt that they are charging me for with an incorrect address is not my address where i lived he said i have debt with this company. I tried to tell him i have never lived at this address they sent me and he said yes i did i have the lease he decided to tell me when i can bee nice he will talk to me and hung up on me very rude disrespectful does not have customer service. Tried to call back multiple times to get a supervisor other then him wouldn't transfer me and kept hanging up on me when i would call don't try to charge me for debt that i never lived at this address you sent me on this paper
Consumer complaint received 2022-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, TRANSUNION, and XXXX  XXXX  XXXX  are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 15 USC 1692g as well as 15 USC 1692j, I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXXXXXX XXXX XXXX, they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between us. They have not provided any judgements made or any original notes .This is directly impacting my life as I have been denied for credit because of them.