davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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: Experian Information Solutions Inc. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/202XXXX XXXXXXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a {$30000.00} cashiers check online XX/XX/XXXX with Bank of America, which we have done numerous times. Money was shown in my account and I wrote checks against it. Then BofA on XX/XX/XXXX put a hold on the funds until XX/XX/XXXX at XXXX. BofA is arbitraging the funds deposited from a local credit union which is borderline criminal. We are BofA preferred customers and have never had a check put on hold. I went to the main BofA office in XXXX XXXXXXXX and was told to contact customer service and that would resolve the issue, it didn't.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
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. (NC)

I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/2023 and I noticed that this Inquiries had been made
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MI)

On or about XXXX of 2024, I requested for the company IC Systems to afford me validation of the debt, the owed amount and all related information. The account information I inquired about was pertaining to : ( XXXX XXXX XXXX, with the said amount of {$440.00}. I never received a response in return. I am requesting validation, made pursuant to the Fair Dept Collection Practices Act. Please note that I am requesting validation, that is competent evidence bearing my signature showing I have ( or once had ) some contractual obligations to pay you. Please also be aware that any negative marks found on my credit reports ( XXXX, XXXX and XXXX XXXX ) from your company or a company you represent is a violation of FDCPA., 807 ( 15 USC 1962e ) therefore is you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Consumer complaint received 2022-12-07
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. (MO)

15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions Unauthorized Credit inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-23
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. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2018-10-18
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: General Motors Financial Company, Inc. (HI)

I was notified by the mortgage office that an old creditor GM Financial was reflecting my bankruptcy with an incorrect date, my bankruptcy file date is XX/XX/XXXX with a discharge date of XX/XX/XXXX. GM Financial has a date of XX/XX/XXXX for the discharge, I have filed a complaint electronically and also called and spoke to a rep with XXXX  and still no resolve. I explained to the rep that this was included in my bankruptcy and the information needs to be accurate. After reviewing my credit report they had the balance as {$10000.00} and the total balanced owed as {$100000.00}. Now this is affecting me from being able to purchase a home due to the mortgage company advising that I can not proceed further for another 2 years based on the incorrect information/date they see on the file.
Consumer complaint received 2023-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX  has reported our account deliquent for over 120 days while we have been in an Forbearance agreement. I asked several times and they even reported XXXX and XX/XX/2023 and I called. They made corrections to mine but not my husband who is a co-borrower. During this period I one of my other recurring accounts was closed because they said I was credit risk. We denied as cosigners for my daughter 's student loan which we desperately need. I am attaching the credit correction letter sent to XXXX today as well as the credit notice from XXXX credit monitoring for my husband XXXX XXXX as well as the Forberance agreement. Our credit is effectively ruined.
Consumer complaint received 2023-08-23
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. (TN)

I am a victim of identity theft. My personal information was stolen and used to get loans and credit. I filed a police report. The following accounts are still on my credit report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX There are other accounts still pending review The FCRA is not being followed. I have not been supplied with copies of the verification process.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have been on Nevada unemployment since XX/XX/XXXX of 2020 its now been a year that Ive been on unemployment and seven weeks ago Bank of America prepaid closed my card account for questionable Identity. The first time I spoke with them regarding the issue they wanted me to bring in ID and Social Security card to a branch while Im on the phone with the prepaid Bank of America so that they can verify my identity. I tried doing that for three weeks straight on multiple different occasions just to be told that I have to contact XXXX. When I contact XXXX They tell me to contact Bank of America prepaid. Its been seven weeks going on eight that I havent been able to receive my funds even though I submitted all require documentation I went in person to verify my identity and theres no help Bank of America prepaid sends you to Nevada unemployment Nevada unemployment since you right back to Bank of America. Ive already lost housing since this pandemic started Im about to lose my weekly because Im not having any income I lost my car I literally have no food to eat because I dont even have food stamps qualifying because I make too much money with unemployment but Im not even receiving my unemployment. XXXX finally stopped sending my payments to my Bank of America prepaid card after my balance reached {$1400.00}. I only get XXXX for a week but with the stimulus it amounts to {$380.00} a week. XXXX equals XXXX. I am a XXXX XXXX and pay my own unemployment insurance and I am my own employee so there should be no reason why none of my funds are being with held from me
Consumer complaint received 2021-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX, I received an alert from my paid credit monitoring service ( XXXX XXXX ), that informed me of changes to my credit score and/or report. Upon review of my credit report from all three credit reporting agencies ( XXXX, Experian, XXXX  ), I was alarmed to find my credit score dropped over 100 points ( from XXXX down to XXXX ) without any reasonable cause for the points drop! I could not find any new derogatory tradelines or accounts or inquiries that would have contributed to the adverse effect to my credit score? There was only one newly added account which is a credit card. That account is in good standing and current according to my credit report as of this date. Therefore, I do not understand how such a negative change to my credit score has occurred, since there was no new derogatory information added to my report? The accounts I currently have in collection, have been there since XXXX, and my credit score has gradually been improving as my credit report shows. I honestly believe someone at the credit bureaus has entered inaccurate or false information, or has unjustly altered my credit score to reflect a 100 point drop from my previous score as evidenced by my credit reporting services, score tracker on XX/XX/XXXX. I have snapshots of my previous scores as well as my credit report for proof of my claim. Please help!!! Thank you!
Consumer complaint received 2021-04-18
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. (MA)

XXXX XXXX has been consistently reporting a negative " delinquent '' status to my credit report when the issue all began and continues with their system and their support. 

1. Their online system to get a forbearance on payment during Coronavirus approved me yet did not seem to go through on their end. Instead I received harassing collection calls and claiming my account was delinquent. XXXX last year. 

2. Their customer service person confirmed with me they were having issues with their online system. This dates back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX negative reporting. 

2. During all the issues with their online system, approving a forbearance but not deploying, auto payments not working despite doing what their reps said to do, balance due numbers confusing and not correct, they have negatively reported and impacted my credit score.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (GA)

In XXXX XXXX their was two transaction from two companies stores the where unauthorized from taking money from my cash app account. I filed a fraud report with federal commission office and disputed with cash app they approved one and gave me the money back but within less then 24 hours they denied the one I'm complaining about now to you. I even copied and pasted the name of the ones that took my money and searched the internet it clearly pops up as a scammer I email both the CEO of cash app numerous emails to costumer service and the CEO of block still didn't get any thing resolved and I asked for the document that they made the discussion from and nothing they never sent them to me. It's not much much money but I spent almost two weeks doing everything to get my money back and cashapp is going around in circle. It's {$47.00} from a store XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I still don't have my money back and now with having to get them to send new card and time doing this stuff I wasted time on stuff I needed to do in my life. Cash app info is under my phone or XXXX XXXX
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX a credit card account was opened or attempted to be opened from SYNCBXXXX and SYNCB/Low on my SSN, and I did not make any inquiries. On XX/XX/XXXX and credit card account was attempted to be opened under my middle names and my SSN with XXXX XXXX. I did not make this inquiry either. I received the denial letter in the mail from XXXX XXXX  on XX/XX/XXXX which alerted me to check my SSN and experian report. I have spoke with XXXX to remove these hard inquiries from my SSN. XXXX XXXX  has also reported the occurrence as fraud and I have put a security alert on my SSN from XXXX to hopefully make it hard for this to happen again and hopefully resolve the issue.
Consumer complaint received 2018-10-18
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: EQUIFAX, INC. (OH)

I have an account that is incorrect on my credit report XXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX /XXXX XXXX XXXX even had the right person or the proper account!
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-26
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: Law Offices of Marvin S. C. Dang, LLC (HI)

On XX/XX/XXXX a summons was improperly delivered to my property address and given to a tenant who is not a family member or relative whom I do not live with and when delivery after knocking on door and handing a summons not in an envelope and not to myself. 

This debt is also being challenged by XXXX XXXX who has been asking for debt validation unsuccessfully from the creditor and there is a Lack of Standing in that the debtor creditor relationship not being one and the same. When debt collectors are contacted by me the many entities involved do not have any proper information about the debt, or proper dates or amounts from the original debt that was a credit card that was closed in or around XXXX and therefore the statute of limitations may have also expired and the amounts of the debt tripled according to the summons and debt collectors who are demanding a response and attempting a default judgement.

I have been under duress and I am a XXXX XXXX XXXX connected XXXX XXXX and I am being tracked by phone from an outside source such as XXXX tracking device and followed and spied on. All for a credit card debt. 

I am just coming out of a place of hardship and we have been assessed at my condo for XXXX XXXX XXXX and I am also recovering from XXXX Covid scare. 

Sending someone to my condo unannounced and delivering these documents improperly at my condo ( btw I can not always stay there due to the amount of work that is major at the building ) and large assessments has caused me XXXX and I need it to stop. 

Also the original debt belonged to XXXX XXXX XXXX  and the debt collectors are Attorney XXXX XXXX and XXXX XXXX and XXXX  ( or whoever as I can not get straight answers from them and I have had to spend more money now to initiate a letter to the courts to stave them off. 

Also the XXXX XXXX company I have been dealing with for two years has completly dropped the ball when I notified them this was happening and said they can not help. I have spent two years paying them {$120.00} for over two years in order to resolve these debts and only to find they can not do what they claim. I would like a full refund. This is such a scam.
Consumer complaint received 2023-08-23
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. (FL)

It appears someone in XXXX, Florida ( where I have never lived, owned, or rented property ) may be using or have accounts in collections that are being reported on my credit report. I've disputed the associated address, the related collections ( rent, utilities, etc. ). I submitted these to XXXX, XXXX, and Equifax. 

However, the responses are not actually processing the dispute. Instead, they are merely " correcting '' the address but even that " correction '' is the exact same address in dispute.
Consumer complaint received 2020-01-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HW Holding, Inc (TN)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.