davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I wrote to Transunion and   XXXX   ask for it to be remove they its valid, but I went to the bankruptcy court and given me a statement letter saying they do n't provide the credit reporting agencies any information about reporting my bankruptcy, or how they got it.  XXXX  said its not showing on my report from them, but on my credit report under the bankruptcy it show  XXXX  name either they are lying or Transunion and  XXXX  is reporting it wrongly and inaccurately, I have all documents and letter I sent them and the respond letter and letter from bankruptcy court .Also the creditor    XXXX    is  still making inquiries on me and they repo the car years ago, I sent letters, got a response letter they said that they can do please investigate to see if they still pull inquiries on me and on my report after these year s, Im trying repair my credit score  and these to credit reporting agencies are reporting inaccurate information, thank you my contact is  XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX , (  XXXX  )  XXXX , thanks.
Consumer complaint received 2023-03-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

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 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and updating because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-10
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. (AZ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I closed Capital One XXXX XXXX XXXX account ending in XXXX, but CAPITAL ONE refuses to mail me my security deposit back. I have been hung up on and refused service when questioning where my money is and why I have not received it yet nor when I will receive it. I am demanding they return my funds to me minus the amount spent IMMEDIATELY!!!
Consumer complaint received 2023-01-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MoneyLion Inc. (UT)

on XX/XX/2022 I woke up to find an unexpected transaction in my XXXX account for {$530.00} which was exactly the balance I had in my XXXX checking account. My Money Lion XXXX account went into my XXXX checking account without my authorization and withdrew these funds. 
I contacted both XXXX and XXXX but neither of the. seem to get ihat this was done not only without my permission but I had no prior knowledge that this was or could even happen.
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc. (TX)

Contacted both companies on XX/XX/XXXX and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies. This is a result from a car accident I had back in XX/XX/XXXX with no fault of my, the other person was at fault and fled the scene, within 2 weeks of the accident the hospital put a lien on my name and send me to credit report agencies of not paying them when I was still in the hospital, had to file a law suit and it's in pending ligation.
Consumer complaint received 2023-01-01
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. (MI)

I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to Experian detailing the fraudulent accounts ( XXXX ending in XXXX & XXXX ending in XXXX ) that are reporting in error in my credit report. I referrenced the Fair Credit Reporting Act Section 605B in my correspondence to Experian and requested that the fraudulent accounts be blocked pursuant to federal law. Experian did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. Experian continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that Experian continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX ending in XXXX & XXXX ending in XXXX ).
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Healthcare Management, LLC (CO)

On XX/XX/XXXX I was served at my home at XXXX. Upon opening the summons, I received my first notice that a medical account I had been making regular payments on, was sent to XXXX XXXX XXXX and they were suing me for judgment for {$1000.00} plus attorneys fees and costs. Prior to this, I had still been making payments to XXXX XXXX and had no reason to believe my account had even been sent to collections, neither had I ever received written notice from XXXX XXXX showing a balanace owed for this account. When I called XXXX XXXX  XX/XX/XXXX at XXXX, I spoke to two different people and was told by the manager that this is what happens when you put a blind eye to your mail. Never have I ever received a statement of this account or any other notice prior to a summons. I tried to set up payment arrangements for even double what I have been paying to XXXX XXXX, but was told by the manager that if the amount wasnt paid by the court date the judgement would be entered anyway, so my efforts to resolve the issue out of court were unsuccessful. I have also filed a case with usps in complaint that I am not receiving mail, as was advised by XXXX XXXX to do. That case number is XXXX, filed XX/XX/XXXX at XXXX and is pending investigation.
Consumer complaint received 2023-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions In accordance with the fair credit reporting act, XXXX  account XXXX XXXX on XXXX violated my rights to privacy. 15 U.S.C 1681 section 602A states I have a right to privacy.

In accordance with the fair credit reporting act XXXX  account, XXXX XXXX XXXX violated my rights to privacy 15 U.S.C. 1681 section 602A states have a right to privacy.

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX violated my rights to privacy 15 U.S.C.1681 SECTION 602A STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C.1681 SECTION 604A SECTION2 ALSO STATES IF ANY CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-07-11
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these accounts which are found to be opened due to identity theft. The dispute item does not belong to me. Im attaching the required FTC Report for you. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-01
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: EQUIFAX, INC. (IL)

There is incorrect information on my credit report and I sent letters to the reporting agencies. I did everything I was supposed to and the FCRA consumer law said they are required to respond in 30 days in which they have not.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2023-01-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IL)

I was charged XXXX overdraft fees of XXXX for not having enough funds and Wells Fargo was still approving transactions. This has happened since XX/XX/2022 when I opened my account. When I spoke with them they were unable to help or reverse the fees
Consumer complaint received 2017-05-13
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: SYNCHRONY FINANCIAL (MO)

While checking my most recent credit report I noticed a credit inquiry that I did not authorize made by   XXXX   XXXX   I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting A ct Section 1681b  (  c   ) and a serous breach of my privacy rights.
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In the months of XX/XX/2021 and XX/XX/2021, I never received a bill from XXXX about my loan payment and therefore I was unable to pay the lease payment. As soon as I called them, I found out that I have an amount due and I paid it off right away. However, my credit score is still low and I am trying to get an apartment and I cant. I never had a late payment in the past and it is not my fault that this happened. XXXX forgot to update this information. Please remove this from my credit history. XXXX needs to update the payment in all major credit bureaus.Thank you.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

The credit report indicates that there are XXXX delinquents as of XX/XX/XXXX from Ocwen Loan Servicing : accounts XXXX and XXXX. 

My records indicate I no longer owned the property as of XX/XX/XXXX.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CA)

The credit report indicates that there are 3 delinquents as of XX/XX/XXXX from Ocwen Loan Servicing. Accounts ( XXXX ) and ( XXXX ) My records indicate I no longer owned the property as of XXXX.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (WI)

On Wednesday XX/XX/XXXX we decided to open up a High Yield Savings Account through BMO Alto. Initially we called immediately because we accidentally sent {$XXXX} from our original savings account ( XXXX XXXX Bank ) to BMO Alto High Yield Savings  account TWICE when we only meant to send {$XXXX} once. The reason was because it didn't appear to work the first time. After sending a 2nd time I noticed it took both {$XXXX} payments out of our XXXX XXXX Bank savings and we were at - {$XXXX}. We called immediately and the BMO customer service rep said not to worry about it because the 2nd payment would be denied anyway due to insufficient funds. The next day we checked our XXXX XXXX Bank app and both transactions went through and we were at - {$XXXX XXXXe called again and they said it was " pending '' so we had to wait until the payment went through before they could do anything. XXXX XXXX Bank was able to cancel the 2nd payment but said since we " authorized '' the payment that BMO would have to send the other back. We need to get our {$XXXX} back in our original bank account because at this point we don't trust BMO Alto  at all. We have been unable to access our BMO Alto account due to it being frozen for 5 days now and have been told multiple different things by multiple different customer service reps including " you just need to close your account and the money will come back to your original account '', " you can't do anything until the account is unfrozen which will take a couple more days. '' Yesterday ( Monday  XXXX XXXX ) we were told that the money is on its way back to our original bank account but it will be 1-3 business days. Today ( XX/XX/XXXX ) I called just to make sure they had sent the money and the rep said it would not be sent back until we get our account unfrozen so they would have to forward us to their fraud department and we would have to re-explain the situation. 
The fraud department then stated that we needed to send a 'statement ' from the savings account that the money came out of in order to unfreeze the account and then the funds could be sent back to our original bank account. We sent this over via email this afternoon to the email they provided us on the phone. We are filing this complaint because after reading things on reddit about similar cases we have zero trust in BMO Alto following through and returning our {$XXXX} in a timely manner if at all. 
Please help us get the money back in our original bank account this week if possible. We will be closing our account with BMO Alto immediately once we get our money back.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate I checked my credit report and noticed multiple inconspicuous inconsistencies across the 3 bureaus from this account XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-18
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. (PA)

My rights are constantly being violated & disrespected by XXXX credit bureau by not providing any proof of their investigation! I demand proof of the investigation, the following negative accounts are to be removedXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2023-03-08
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate I checked my credit report and noticed multiple inconspicuous inconsistencies across the 3 bureaus from this account XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Under 15 U.S.

Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate I checked my credit report and noticed multiple inconspicuous inconsistencies across the 3 bureaus from this account XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX purchased a credit card account of mine that had been charged off. They filed a suit in XXXX court against me for the full amount of the charged off debt. They've presented a bill of sale showing they purchased several accounts, but they didn't show the actual amount paid for my account, which is likely about {$0.00} on the dollar, yet they want to collect over {$1700.00} from me. They have repeatedly called me after they filed suit.
Consumer complaint received 2023-04-13
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. (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX [ XXXX ]
Consumer complaint received 2023-06-23
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. (TX)

XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX, XXXX {$5100.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX  {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I filled a complaint twice with Equifax that my date of birth and variation on social security number were incorrect. They have not corrected it and have not been helpful towards resolving the issue. 

There is a consumer statement posted on XXXX of last year in my credit report which also repeats this information.