davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
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. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX  XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX 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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act " XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-01
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: EQUIFAX, INC. (CA)

Two credit card accounts were opened fraudulently in my name in XXXX and XXXX of 2022, respectively. One with XXXX XXXX and the other with XXXX XXXX XXXX XXXX. I immediately contacted both companies once I became aware of the fraud and they each closed the accounts and sent me confirmation letters. Both Equifax and XXXX both still show credit inquiries from both creditors still to this day and they tell me that the only way to get them removed is to start a complaint with the CFPB.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CO)

well last year i was getting a lot of overdrafts from wells fargo bank i did try to fix but kept getting a lot those overdraft so in XXXX i decided to switch to another bank inwhich i found out that the other bank has a overdraft account that help me with some overdrafts that when i realized that maybe XXXX XXXX was ove charging me on ovedrafts if so can you find if wells fargo jited me.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

We had our originally mortgage with XXXX XXXX and it was sold in XX/XX/2022 to Shell Point, during XXXX  we were able to pause payments on the mortgage, then our son passed which caused a MAJOR loss of income as my husband was his XXXX XXXX XXXX XXXX XXXX  to do so, and when he passed we lost that income. However, now those missed payments are in something called forbearance. My husband now has a job and we are able to resume our mortgage payments and want to do so, However, Shell Point will not TAKE A MORTAGE payment, until the forbearance is paid, and we are not able to pay the XXXX in full, but can also make payments on that can have expressed that we want to work a way to do that. They said NO, they only option is a modification, ok, but we have gotten nothing but issues. Everything they ask for we send, then, they come back and say it wrong, but its not, and won't help with what they are asking for. Yet they mortgage goes more and more in default, and all we want to do is resume payments, but can't. And I am afraid that they just want to force a foreclosure, please please please help. Our son died here, we need to stay in our home.
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX I purchased food from a restaurant bar at XXXX XXXX in XXXX. I asked the bartender to put the food in separate containers. Instead he threw everything in one box as if it was trash. Seafood and chicken fingers were mixed in the same box. When I got home I called the manager to complain then the next day I called XXXX more times. The woman I spoke to XXXX kept cutting me off on the phone. Later that evening over night I became sick. 

Same issue XXXX called and XXXX the supervisor kept talking over me and cutting me off I filed a claim with my card and they didnt take the full story from me so its now a nightmare..
Consumer complaint received 2023-05-21
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. (OH)

To Whom It May Concern : I am writing to dispute the accuracy and fairness of my credit report. Specifically, I am disputing the information regarding my XXXX XXXX XXXX account number XXXX. I have reviewed my credit report and noticed that XXXX XXXX XXXX has reported several late payments on my open-ended credit/credit card account. 
According to 15 USC 1666b and 15 USC 1681a ( 2 ) ( A ) ( 1 ), transactions and billing errors are not to be reported on a consumer report. It is important to note that reporting late payments on an open-ended credit account/credit card is illegal. In accordance with 15 USC 6802b, any such information should not be included in a consumer report. Therefore, I am requesting that these late payments be removed from my credit report. Furthermore, I am disputing the accuracy of other information reported by XXXX XXXX XXXX  The reporting of inaccurate information violates 15 USC 1681e ( b ), which requires that all information reported to credit bureaus be accurate and verifiable.

Therefore, I am requesting that XXXX XXXX XXXX verify the accuracy of all information they have reported to the credit bureaus. If any information is found to be inaccurate, I request that it be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act, I am entitled to a free copy of my credit report from each of the credit bureaus once per year. I have enclosed a copy of my credit report highlighting the inaccuracies and errors I have discovered. Please investigate this matter promptly and respond within 30 days. If you find that the information in question is inaccurate or can not be verified, please remove it from my credit report. 
Thank you for your attention to this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-05-31
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. (NC)

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 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX i was scammed by rapper XXXX XXXX for a promotional post on his XXXX  page. I had contacted him on XXXX  in regards to a promotional post and we agreed on the price which was XXXX. I wired him the money but it wasnt going through for some reason. He asks for my number so we can get with the bank on the call and after the call the bank says that the money will be sent back to my account because he has reached a limit. After the money came back to my account we agreed to use XXXX  instead. I tried sending him the XXXX through my account but it wasnt letting me because it would exceed my XXXX  limit so i send him XXXX. I sent XXXX to my friend to send it to him which he did. After the XXXX was sent XXXX ( the artist ) confirms that he got the payment. Than days go by he starts responding very slow after i have to double and triple text him. He said he was going to do the post after the album drops even though money was send a couple days before. I waited for the post and still nothing. I called him multiple times and texted him multiple times and nothing. It has been over a month now and i have been very patient waiting to see if he would respond but he has not at all. This is the first client that I have to deal with this.
Consumer complaint received 2023-02-02
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 — Was not notified of investigation status or results
Company: OneMain Finance Corporation (NJ)

I see a lot of account and inquiries on my XXXX credit report I got off a call with XXXX XXXX XXXX  and they recommended to file this complaint here
Consumer complaint received 2020-12-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (KY)

I have been delivered papers by a collection company named LVNV Funding LLC, c/o XXXX XXXX XXXX XXXX. for overdue credit in the amount of {$2000.00} on an account opened around XX/XX/XXXX. I have since enrolled in a debt relief program under the offices of XXXX XXXX who has consolidated my debt and has supposedly been negotiating with my creditors. I pay {$280.00} on this account monthly. This particular creditor, XXXX XXXX, has not cooperated with XXXX and has been aggressively pursuing me personally to collect this debt. I received summons on XX/XX/XXXX, but the summons were dated for XX/XX/XXXX.
Consumer complaint received 2019-10-15
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-03-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have disputed the information being reported pursuant to the Privacy Act and these XXXX companies are violating my rights. This is my last attempt to resolve before I seek litigations. Your company is misusing my information for unjust enrichment and I will seek actual and punitive damages if these items are not removed from my permanent credit file immediately. Bank of America, XXXX XXXX XXXX XXXX XXXX AND their affiliates are in violation of the privacy act of 1977 in addition to the FDCP, this is the final opportunity to cure. Proper validation of the alleged debt requires all IRS documents filed bearing my Mark/Name from a certified third party accountant. If you do not provide documentary evidence for the alleged debt/sin you are required to block and remove the account.
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I disputed my personal information with transunion. They did nothing. Provided proof of identity theft and my correct address yet I still see address that arent mine resulting in account that were created by the fraudulent person being listed. 

Addresses that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, la XXXX
Consumer complaint received 2023-05-29
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. (NY)

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 XXXX Account # : XXXX, Account XXXX : XXXX - Account # 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't 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-01
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: Bread Financial Holdings, Inc. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-10-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

My husband Took out a home equity loan without my permission using our joint property as collateral I never signed the documents for this loan and I did not even know it existed until he died in XX/XX/XXXX. I have contacted Wells Fargo numerous times and I had to go to the county and request various documents in order for them to send me a copy of the loan. I did not sign The fact that I did not sign is visible on the documents. This loan was taken out in XX/XX/XXXX without my permission without my acknowledgment as visible in the documentation I believe this was done under the unfair mortgage practices of the XX/XX/XXXXand XX/XX/XXXXmortgage debacle
Consumer complaint received 2020-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UHG, LLC (MO)

XXXX XXXX XXXX suing me for credit card balance that i didn't owed., original creditor ( XXXX XXXX XXXX XXXX ) received/adjusted payment because i was reported those Fraudulent charges made due to ID theft. and i send all the documents including ID theft report to XXXX but they ignoring my request to close the case. 

They ( XXXX ) made my life miserable. I am a victim of identity fraud. I didn't owe any money to the original creditor.
Consumer complaint received 2017-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian keeps reapplying this us bankruptcy ct FL XXXX to my credit file It is not mine And no phone number and No address that can be verified Also no claim amount listed and no liability amount I keep disputing it but experian keeps refusing to investigate
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 — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 2nd 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, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX XXXXXXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX CXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX NXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-05-21
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. (TX)

XXXX XXXX is reporting my personal non-public information to the credit reporting agencies in violation with Federal and State laws detailed below : Based on 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA and Texas Penal Code, Title 7, Chapter 32, Section 32.51, XXXX XXXX has committed Identity Theft against me by reporting my private non-public and personal information to consumer reporting agencies without my consent or any lawful authority.

15 USC 6802 ( e ) ( 6 ) of the Gramm-Leach-Bliley Act confirms that financial institutions may only share information to consumer reporting agencies in accordance with the FCRA.

15 USC 1681 ( d ) ( 2 ) ( i ) of the FCRA regulates what can be included in a consumer 's report and it confirms that transactions and experiences are to be EXCLUDED.
Consumer complaint received 2023-09-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aspen National Financial, Inc. (CA)

To Whom It May Concern, I will try my best to explain. Aspen National Collection Agency, Recently appeared on my credit report and started calling me the past few days and we had spoken a few times. I have multiple issues here proceeding with the following, on the original phone call this one particular person had stated I was committing crime by not paying this debt in full and proceeded to name call me such as I was liar and not intelligent when I started asking questions. I had asked them how was this on my file 5+ years and this is the first I am hearing about ( picture I will attach ) and also asked them how all of a sudden I started getting phone calls when they never called me until it randomly appeared on my file. From speaking to this company a few times now they say I originally owed {$800.00} when the account was closed yet one day want {$3400.00} and the next day want {$4400.00}. I called the original creditor and they said this account was closed and nothing was owed. If I owed anyone {$800.00} I would have paid or at least settled. I asked them for signed paperwork and documents they refused to send me anything as I do not owe this company any money.
Consumer complaint received 2023-05-21
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. (WI)

I am currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.