davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (LA)

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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
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. (FL)

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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$960.00}. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for a home loan due to items on my credit report that that doesn't belong to me.
Consumer complaint received 2023-08-16
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)

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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$960.00}. 

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for a home loan due to items on my credit report that that doesn't belong to me.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is XXXX XXXX XXXX XXXX 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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX XXXX 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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Equifax is reporting the following accounts which are older than XXXX XXXX XXXX on my credit report. This illegitimate reporting is unlawful and detrimental to my ability to obtain credit and ensure that my credit report is complete and accurate and consistent with consumer law. Please see accounts below : Account : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account : XXXX XXXX Account Number xxxx # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account : XXXX XXXX Account Number : xxxx # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account : XXXX XXXX Account Number xxxx # # Reported Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX Account : XXXX XXXX Account Number xxxx # # Comments Contact XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. 
Account XXXX xxxxxx XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account : XXXX XXXX XXXX Account Number xxxxx XXXX Reported Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-08-16
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.

The letters are stated with items and issues.

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 2022-01-03
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: Mr. Cooper Group Inc. (NV)

I already put a complaint on this matter but I received more information XXXX  who was in my credit report for XXXX found my back taxes for Nationstar and gave that information to Nationstar and XXXX did get paid for it also the amount owed on the taxes were incorrect and Nationstar got refunded for the amount over paid The XXXX XXXX. Treasurer even told XXXX my house wasn't in Foreclosure but they taxes anyway and broke the contract I had with XXXX XXXX the worst part XXXX  did my Credit Report on XX/XX/2021 and Nationstar didn't pay until XXXX XXXX and didn't notify me they paid my renter called me and told me. Last but least Nationstar sent me a bill XXXX dollars for full payment or I was given XXXX and XXXX 2021 off and in XX/XX/2021 which raised my mortgage payment from XXXX to XXXX a XXXX increase and now I'm struggling alot there was no 6 months 12 months offered I've notified the CEO and everyone on the board even XXXX XXXX Bank and they stand by the decision. This is like they didn't care about this before and I feel they singled me out. I hope this time things will be different
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Fraudulent activity my ID and Social was stolen so I see hard inquiries on my credit I did not do at all and I am trying to dispute these items off my credit because it is fraudulent activity I even spoke to transunion provided I need to fill out a fraudulent activity report XXXX  Inquiry : XXXX. XXXX, XXXX  Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX  Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/2023 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX , XXXX  Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  Bank ( XXXX ) XXXX XXXXP XXXX XXXX  Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  Finance/Personal ( XXXX ) XXXX
Consumer complaint received 2023-08-16
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)

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 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 2023-06-09
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)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XX/XX/XXXX / XXXX XXXX.
Consumer complaint received 2023-08-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Since XX/XX/2009 This XXXX XXXX XXXX ( CRA ) has been reporting negative unverified information about my personal and private property the Registered Organization XXXX XXXX XXXX XXXX. This CRA has never received Consumer 's written consent to sell his private information/property to any third party creditors. This CRA is also guilty of Identity Theft as XXXX, XXXX never provided CRA with his name or the State of Michigan 's Registered Organization 's name of XXXX XXXX XXXX XXXX XXXX address, phone number, social security number or birthday all the above-mentioned information was stolen by CRA and used to XXXX. CRA procured my private information unlawfully and without XXXX 's written permission or consent and sells it to third party creditors. I demand This CRA remove all information that was not provided to it by Consumer XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and compensate Consumer for the unlawful procurement and use of Consumer 's private information.
Consumer complaint received 2023-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (OH)

I had a payment scheduled through auto pay to the company. On XX/XX/XXXX, XXXX payments of {$190.00} was taken out of my account. Only one payment of {$190.00} was to be withdrawn. Ever since, I have reached out to the company with several phone calls to the office that the loan was originated. Along with emails and a call to their corporate office. I also had my bank involved, but they have a problem with cross communication to help solve the problem. The corporate office called me on XXXX XXXX telling me that they initiated the reversal of the extra payment and should have it in my account no later than XXXX XXXX. I called the local office to make them aware that I have not received my payment and assured me I would have it on XXXX XXXX. I have not. I emailed the local company to tell them this, and I have not received a return email or call. I explained to them this is our household money and need it returned asap. This has been going on since XX/XX/11. Insane business practices.
Consumer complaint received 2018-10-17
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. (MN)

" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX  XXXX for months.XXXX and XXXX   have reversed them but TransUnionis refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have a card issued for my child support for over 5 years. There are always odd service charges they I dont understand and there is never an explanation on the statement. I have BOA download on my phone and the transactions never explain anything.
Consumer complaint received 2023-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc. (AL)

In accordance with the Fair Credit Reporting act FRANKLIN Collections SV Account # 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 an account without my written instructions
Consumer complaint received 2024-03-27
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. (NC)

hello I have tried to remedy the fact XXXX gave XXXX, equifax, and XXXX has been reporting the history of my credit extension which 1 understand by law is illegal without my written consent. I have never provided consent to ( company name ) to supply this information. of course in my attempts to correct this I've been ignored and refused of my rights here is the law that i've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations.

15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and anxiety due to the abusive and unfair practices.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX, someone tried to file taxes using my name Bank of AmericaXXXX XXXX, XXXX someone opened a banking account in my name Unemployment Compensation of XXXX XXXX XXXXSomeone tried to open an unemployment claim in my name
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

I have been buying and selling XXXX  for 3 years now, and am a member of a group on XXXX. Recently I was looking for a particular breed and someone suggested contacting XXXX XXXX XXXX, which I did. They said they could send me XXXX XXXX  for {$220.00} and this included shipping. I was asked to send it via XXXX ( which is through my bank PNC ) to a XXXX XXXX ( the breeder ). I did this and then the " breeder '' contacted me later in the day ( via XXXX ) that he was at the post office getting ready to ship them to me, however, the post office was requiring an additional {$150.00} for insurance & crating ( which was going to be refundable after they were delivered ) and then {$110.00} for vaccinations. None of this was a red flag since these are normal requirements. The red flag happened once the " shipper '' contacted me via email and stated I needed to send an additional {$490.00} in order to get the XXXX  into Ohio. NEVER have I had to do such a thing, so I told them to cancel the shipment. I then XXXX  the breeder and told him to refund my money or I would file a complaint. I also contacted PNC to let them know I had been scammed, however, they refuse to refund my {$490.00} because they said I knowingly send those transactions. PNC now has the 2 emails that I sent the transactions to marked as " fraud/scam accounts '', but they still refuse to reimburse me even though I unknowingly was being scammed. I don't feel asking for my {$490.00} back is unreasonable since I thought I was involved in a legal deal. I didn't know any of this was fake until I started researching the phone numbers, emails, breeder facility, etc. All of these things came back stating that they didn't belong to any one person or company. PNC told me that because they couldn't get the money back, that I would have to accept the loss. I do not agree with this at all. I kept all the messages the breeder sent me, along with all the transactions and messages from the shipper. Obviously this person or persons knew the right things to do in order for me to believe I was dealing with a legit breeder, so I don't feel this was my fault. Going forward I will heavily research anyone else I deal with since this apparently is a new thing - scamming people on XXXX  sites!!
Consumer complaint received 2018-04-26
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. (MO)

After my initial complaint XXXX investigated and deemed the accounts was not mines. Their decision was by far correct, and in accordance with the FCRA all criteria was met. However, after many attempts XXXX did just the opposite and today them same accounts remains on my report. The following closed dated accounts are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-03-27
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. (PA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINANCIAL. XX/XX/XXXX ROLLAUTO. XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX BRCLYBANKDE. XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX