davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm sending this complaint to inform the XXXX credit bureaus that I was a victim of Identity Theft. It seems the XXXX credit bureau doesn't care at all that I want to dispute the fraudulent account that is reported on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 

XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}.
Consumer complaint received 2023-08-08
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: SANTANDER HOLDINGS USA, INC. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-04-11
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. (WA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX Account Name : # XXXX 15 U.S.C. 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an 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 ) Section states : 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 2023-08-08
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: Experian Information Solutions Inc. (GA)

I HAVE NOT RECEIVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECEIVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW XXXX XXXX XXXX HAVE BEEN VIOLATED BY THE COMPANY 'S ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY! I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS!
Consumer complaint received 2023-08-08
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am a victim of a job scam, on XX/XX/XXXX as an employee under the person I was told to deposit {$9000.00} to my personal account from a beneficiary account. The employer gave me all the information to add the external account. Bank of America has a verification system for external accounts so I thought this was secure. I was to used the funds to buy bitcoin which I was able to do with {$8000.00} but not the {$1000.00}. The bank said they decided to close my account without any details. At this point I realized I was in a job scam and cut contact from the employer. I reported it to the FBI and called Bank of America in helping the resolution. Later in the year I was told that I would need to pay back the {$8000.00} myself so I filed a claim to dispute the charge. The charge was not lifted due to the fact that I used my card and that their records show a receipt of transaction. But it is still fraud, I faxed 50 pages of evidence with different interactions between me and the scammer and still they stayed with their decision. They clearly don't care about the principal of fraud and more so that it was XXXX being owed. Not their money not their problem so instead of doing a proper investigation they have punished me.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

In late XX/XX/XXXX    I bought a XXXX $ engine for my Younger brother I bought this engine from a company named XXXX XXXX, not only did they not send me the right engine was fraudulent it did not work After offering me money multiple times to keep it and having three different mechanics write him papers about how bad this engine is I told him I do not want this engine whatsoever. 

The company then sent me a shipping information mind The owner told me that he can no longer message me through the XXXX XXXX and he made his own XXXX return email impersonating XXXX ALSO changed his company name backwards with 3 more XXXX  and 3 more XXXX  to the name, which XXXX fully acknowledges then through XXXX with the name the address and the tag to use because they work with XXXX all the time I followed the instructions just as he said. 

The company then blocked my number my messages where not going through and he was not answering my emails. 

At this time I would like to note that I lost my home and my vehicle in the hurricane that hit XXXX XXXX XXXX The bank 's where closed for weeks the roads the stores the whole 10 yards I went to Wells Fargo a week after the opened while Florida was still in a state of emergency ( XXXX has acknowledged this whole thing and has this written on file and talked to the first banker at Wells Fargo Who I wrote a fraudulent claim with because I was not within the XXXX 30 day moneyback, but they fully acknowledged what this user did ) I am now here because yesterday On XX/XX/XXXX after paying bills and my Wells Fargo account was very low Wells Fargo reversed the whole XXXX $ Putting me XXXX in debt and I had to call them for a lady to swiftly tell me that I was 2 to 3 days off the deadline to submit my fraud report and they have to take the money and hung up when I asked for the manger! I called back and Im still waiting for a manager to call me back they said they would I am now being charged for late fees this is completely unjust this is completely unfair I screwed nobody over I followed directions The original owner got his engine back and I paid for the shipping to I went to Wells Fargo as quick as I could I can not afford a loss like this in a time like this I did nothing illegal I followed the law and got screwed over. 

This company is located in XXXX XXXX New Mexico they are actually very good friends and only a mile away from the nearest XXXXXXXX XXXX company as I talk to them and they well known for doing things like this as I come to find out I have all the screenshots I have all the paperwork I have reviews from other people talking about the same thing
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX : {$3500.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$13000.00} ; XXXX XXXX XXXXXXXX XXXX Owed : {$2600.00} ; XXXX XXXX XXXX Balance XXXX : {$17000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX XXXX Owed : {$6000.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been very sick for approximately 15 months now starting XX/XX/XXXX of 2021 is when I was first admitted to the hospital and I haven't used my Bank of America EDD card since that day or before. Since then I have spent approximately 6 months total in the hospital I've been in and out and staying with family and after the first hospital visit when I returned home briefly in XXXX to find that my entire home had been ransacked vehicles stolen everything I owned was gone I never went back to my home. For a year I didn't have access to any of my emails my phone everything was in my home and all of my information was in my computer and everything was stolen from me. I couldn't even call the phone company and turn my phone off because someone had changed the password and they said I needed to go into the store with my ID and this was impossible as I was so sick I couldn't do that. I didn't have access to any of my emails I only recently have felt well enough to start delving back into all of that and getting some of my old identity back. I initially filed a claim while I was in the hospital I believe last year maybe in XXXX over the phone and apparently that was denied and now I filed it a reconsideration and it's been almost 2 months and they're just telling me they still don't have an answer for me and that's not acceptable. They initially said they checked the spending habits and that there was nothing unusual but that can't possibly be true it has to be unusual because I know that it wasn't me so it can't have been possibly like my normal spending habits someone's just not doing their job I lost everything I owned and {$5000.00} that was in this account and I don't think that they should just get to take as long as they want to make the right decision here my social security number is XXXX I'm sorry I don't have the account number or claim number but I know they can pull this up with my social. My phone number is XXXX and the address on file with Bank of America is XXXX XXXX XXXX in XXXX California. It has been over a year I've been trying to resolve this and last time I called to check on it was yesterday and they said they have no idea how much longer it will be even though they initially said less than 45 days that's not fair and it isn't right
Consumer complaint received 2023-03-02
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 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 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 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

ID THEFT REPORT ATTACHED AND MAILED OUT AS OF XX/XX/2022... ALL DATES/LOSTED ACCOUNTS ..... 
XXXX XXXX XXXX  ( any and all ) XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXDetails attached...
Consumer complaint received 2022-11-09
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. (PA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy. 15 USC 1681, section 604A section 2, it also states that 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 2022-12-23
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: Experian Information Solutions Inc. (NJ)

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 2018-04-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IL)

i have asked them to not call me, email me or not to give any of my personal information to any company for any reason and since my account was closed in XX/XX/XXXX i have received 11 e-mail 6 of which in the last 30 days and 7 calls and 2 of which i took as threatening the other 5 was displeasing they also have some kind of fico account with access to my credit information with out my permission and they still had me enrolled in some sort of solicitation which i never asked to be opted in or enrolled. 
i opened that account with money that i got from my mom. my has passed away all of that pain came back how can they just take advantage of me they have caused Defamation of my character, insulted, degraded, and harassed they keep sending and calling me about home loan i don't wont to sale or get a loan on my house and my info is in the hand of companies like XXXX XXXX XXXX , XXXX and have been updated in the last 30 days
Consumer complaint received 2022-11-09
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: SYNCHRONY FINANCIAL (FL)

Upon checking my credit report, I notice an account from SYNCB/BrandsMart that XXXX believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that SYNCB/BrandsMart were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Consumer complaint received 2024-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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.

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 XXXX 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 2022-11-08
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. (WA)

My XXXX XXXX XXXX XXXX credit card account has not been updated since XX/XX/2022. I have paid off this card, but it has not been updated on any of my reports. I have disputed the account balance twice as it is not the correct information and shows a {$480.00} balance.
Consumer complaint received 2022-11-09
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. (MD)

On my most recent TransUnion credit report, dated XX/XX/XXXX, XXXX creditors are showing late payments in consecutive months, that are beyond the statute of limitations. 
1. XXXX XXXX XXXX XXXX  is reporting my account as 120 days late from XX/XX/XXXX through XX/XX/XXXX, although the 7 years statute of limitations passed in XX/XX/XXXX, because the account first became 30 days late in XX/XX/XXXX and continued until XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX  and someone is supposed to call me back. 

2. XXXX XXXX  Mortgage is reporting my account as XXXX days late from XX/XX/XXXX through XX/XX/XXXX, although the 7 years statute of limitations passed in XX/XX/XXXX, because the account first became 30 days late in XX/XX/XXXX and continued until XX/XX/XXXX. I contacted XXXX XXXX  Mortgage and someone is supposed to call me back, but from past dealings with XXXX, I do not expect a positive outcome. 

The bigger problem beyond just XXXX creditor is at TransUnion itself. I called TransUnion today and and was unable to resolve the issue, because a supervisor at TransUnion told me that she could not remove the late payments and it is not TransUnion 's policy to remove all late payments that are in consecutive months that occurred without a break in the late payment status, from the first month that a payment was reported. TransUnion is the only credit reporting bureau that has this policy : late payments in consecutive months that are beyond 7 years of the first late payment are not reported on XXXX and XXXX credit reports. 

Of the XXXX major credit reporting bureaus, TransUnion is the worst, primarily because it keeps late payments, etc., on the credit reports beyond the statute of limitations. The problems that I have with TransUnion are not applicable to XXXX and XXXX.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

XXXX  and the credit bureaus ( Experian, XXXX, XXXX ) are continuing to report a fraudulent account that should have been removed along with other accounts proven to be unverified. Despite submitting identity theft documentation and multiple requests for verification, no legitimate proof has been provided. Instead, they have manipulated the account details, re-aging it to make it appear recent. This has caused ongoing damage to my credit and is a clear violation of proper reporting standards. 

I have already seen other fraudulent accounts from the same period of identity theft successfully removed, proving that they could not be verified. However, XXXX and the credit bureaus are failing to act on this account, despite the documentation I provided during my medical incapacitation, as detailed in my FTC Identity Theft Report. 

There is no valid reason for this account to remain on my report, and the lack of transparency in the process of re-aging the account to prolong its negative effect raises significant concerns.