davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (IL)

Correspondence was sent to company back in XX/XX/2022, they never provided any documentation about alleged debt, now they are reporting this on my credit report as late payments lowering my score and I have not received anything from them in months, not a bill, a letter, NOTHING.
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. (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.

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 2018-04-26
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: Experian Information Solutions Inc. (MO)

Someone fraudulently used my information snd/ or the misleading information derived from XXXX  breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payments on XXXX and XXXX of 2020 during COVID19. Do you even mark consumers ' late during these times? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (MD)

After noticing the collection on my pristine credit report, i called the creditor identified on the report " Law Offices MBA " with original Creditor as " XXXX XXXX '' and informing them of the wrong assertion being made against my credibility report, i was asked to file a police report to correct their error.
Consumer complaint received 2023-05-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc. (GA)

I received an email today that my account was closed, its the first time I ttruky ried processings a sales for my business with paysafe and all of a sudden my account is closed. I had sold some of my products to the customer and expecting to be oaid by paysafe so I can restock and all of a sudden my account is closed. I had a. XXXX  transaction I had charged on Monday, I want to know what will become of it.
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MO)

I have applied for credit loans and the creditor was unable was unable to get credit score from XXXX. I want an investigation as to why XXXX  didn't give Creditor my Score.
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. (NY)

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 2018-04-26
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. (PA)

I have contacted XXXX XXXX and Equifax in the past to have them remove fraudulent inquiries on my report. I kept getting alerts that my credit file was pulled when I haven't been applying for credit. They are refusing to remove them and is advising me to contact each individual companies to have them removed. That is not my job and is time consuming I think I have some identity theft that they are trying to cover up or credit inquiries that were reinserted after deletion. 

Inquiries - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XX/XX/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. (NY)

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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2018-04-26
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. (DE)

XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX XXXX   Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Bank
Consumer complaint received 2018-04-26
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. (PA)

I have contacted Trans Union and XXXX in the past to have them remove fraudulent inquiries on my report. I kept getting alerts that my credit file was pulled when I haven't been applying for credit. They are refusing to remove them and is advising me to contact each individual companies to have them removed. That is not my job and is time consuming I think I have some identity theft that they are trying to cover up or credit inquiries that were reinserted after deletion. 

Inquiries - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-08-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Lending Services LLC (CA)

I HAVE CONTACTED THE COMPANY GLOBAL LENDING SERVICES ON XX/XX/2020 AND HAVE EXPLAINED TO THEM THAT THIS ACCOUNT WAS DID UNDER FRAUD BECAUSE SOMEONE STOLE MY IDENTITY. I HAVE ALSO DISPUTED THIS ACCOUNT ON MY CREDIT AS FRAUD THIS ACCOUNT WAS OPENED UNDER FRAUD WHICH THE POLICE HAD ARRESTED TWO OF THE PEOPLE WHO STOLE MY IDENTITY. THIS COMPANY HAS NOT DELETED THIS OFF OF MY CREDIT AND THIS IS CAUSING HARM TO ME AND MY FAMILY.I HAVE A POLICE REPORT THAT WAS SENT TO THEM IN REGARDS TO THIS.
Consumer complaint received 2022-12-06
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. (MS)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-05-17
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I went to my Bank of America XXXX in person and requested an international wire transfer out of my savings account for {$2500.00}. 

On XX/XX/XXXX the money went out of my account and a {$45.00} wire transfer fee was charged to my account. 

On XX/XX/XXXX I emailed my bank representative to inquire how long the transfer would take, as the recipient ( my sister ) had yet to receive the money. That same day she replied letting me know the transfer appeared completed on her end, and that the money had gone to XXXX XXXX  ( which XXXX assuming is an intermediary, as this is not my sisters bank ). She offered to contact the investigations department to understand my options. She said running an investigation may incur a fee. 

On XX/XX/XXXX I followed up, as I never heard back from my banker with any options. I asked how much the investigation would cost. That same day she advised it would cost {$25.00} and offered to find a number for me to call. 

On XX/XX/XXXX I called the investigations team at Bank of America. I never heard back from my banker, so I researched the number myself. during this call I was told the transfer appeared completed. I was told I could either do a trace to find the funds or request a recall. I said Id rather try to find the funds and complete the transaction. They initiated a trace and told me to check in in XXXX hours. 

On XX/XX/XXXX I called again. They told me the trace had found the funds at XXXX Bank ( same thing my banker had already told me without a trace ) and that they had issued a request for information to understand why the funds had been held there. I asked that the {$45.00} wire transfer fee be refunded, and they agreed. They told me to check in XXXX hours. 

On XX/XX/XXXX I called again. This is nearly XXXX weeks after I initiated the transaction. They told me they were still awaiting a response from the bank theyd contacted. I said I wanted to just get the funds back. They said theyd issue a recall for the funds and asked me to check back in after XXXX hours. 

On XX/XX/XXXX I called again. They told me they were awaiting a response from the recipients bank and that there was no guarantee that they would get my money back. 

Needless to say, the intended recipient has NOT received the money, and Bank of America is claiming it delivered the money, so it accepts no responsibility to find and return these funds to me.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Last year, I found XXXX fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, Equifax, and XXXX, and they told me to submit FTC report which I did. I first submitted FTC report back in XXXX of 2023, and until now, when I submit FTC report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of 2023, until now, they never sent me any proof from creditors. My credit score is severely damaged, and some representatives told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Consumer complaint received 2023-01-08
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: Aqua Finance, Inc. (TX)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX The above inquiries were supposed to be soft inquiries rather than hard inquiries. I will like these to be dropped off my credit report
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. (MN)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The company name Is. Bank of America, ( XXXX ) someone withdrew. {$1000.00} from the atm in XXXX XXXX than another {$1000.00} in ( XXXX ) than another on ( XXXX ) {$1000.00} the total amount $ XXXX have spoken too many times to the claim department for the evidence that they claim they have on file I have requested for them to send me the evidence 3 times the most recent is ( XXXX ) they say they send it but I have not got anything from them, I also submitted to them my passport and a police report and they keep denying my claim, they close it and still have not send me anything I have told them multiple times that it's not me and at this point they are denying me of my rights for the documentation that they say they have because it's not me and I keep telling them that but they said that they don't communicate with the back office nor they don't communicate with the detectives were I submitted my police report so how do they keep denying my claim it makes no sense it's been a month and still nothing I am a XXXX mother who got her money taken away and Bank of America is not doing their job properly I need additional help, all the calls get recorded and if you are able to listen to my conversations with them you will see that I had to communicate with two supervisors already from the claims department because they have not send me my evidence and some of the claim department people were so confused that they kept on not submitting the correct paperwork that I needed, I have never experience such unprofessional communication I wonder how many people Bank of America have done this to.
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. (CA)

CFPB COmplaint what happened In accordance with the Fair Credit Reporting Act Convergent Account XXXX XXXX XXXX XXXX, XXXX XXXX ******, XXXX  XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy. 15 U.S.C. 1681b 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions.