davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On the XXXX I charged XXXX when my account had XXXX dollars in it. That nigh they charged me a monthly fee and overdrafts my account. Then charged me XXXX dollars because they over drafted my account. When I called them they said that it was my XXXX dollar charge that overdrafts the account and refused to address how thats impossible. That kept trying to give me the run around about oh our stuff goes automatically but the other stuff isn't until the next day. They do this on purpose, and my account had XXXX XXXX before I spent money. Then they charged me and put me negative and then charged me again. They blame me but they do this all the time. I explained how its impossible and they just keep repeating like robots they can't refund me. They are stealing from me overand over and I want to close my account but I cant while its negative.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in 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
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries 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 XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-11-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (UT)

I received a notice in XXXX from my lender LoanCare stating I would need flood insurance. This caught me by surprise since no one in my neighborhood had received any kind of notice from their lenders. I have multiple family members that live in the surrounding houses. I called LoanCare and let rep know that I would like a copy of the map used to identify my home in a flood zone. I asked what I would need to provide the company to remove food insurance from my mom if I was indeed not in the flood zone. The rep said just a mas showing I was not in the zone. I located my property on the FEMA website and again it showed I was not in the flood zone. I then then received the map from the lender again showing I was not in the flood zone. I called the lender and talked to a different rep about the flood insurance at this point the lender had already placed forced insurance on my loan which I was not happy about since the map sent to me by the lender showed I wasn't in the flood zone. I called lender and talked to someone saying I needed call FEMA directly to get a statement from them. I called FEMA and they said it would be up to the lender to remove the flood insurance and I could submit an application to get an exact map since maps pulled from lenders are only approximate. I called the lender and gave them the info I received from FEMA. At this point my property taxes were due XX/XX/XXXX but of course there are not enough funds in the escrows to cover this. I explained how I was frustrated due to the fact that everyone had given incorrect information about everything. The rep then asked me to call FEMA again and said I would need a statement from them saying I was not in the flood zone and if I was able to get the statement same day they could request the flood insurance to be removed same day. I called FEMA once again and the rep was super helpful and said I would need to submit the application to pinpoint my location for the flood zone but that could take any between 45-60 days which at that point my current lender would have placed the forced insurance anyway.
Consumer complaint received 2021-11-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AC AutoPay LLC, Denver, CO Branch (MA)

I applied to refinance with auto pay. They sent my application in I signed papers all that. I was told I had time to back out it I wanted to. And I did. I emailed, texted, and called to cancel my application. I spoke to someone on the phone and they told me it would be felt with as well as over email with a different employee. Well the loan went through they paid off my original loan and now Im stuck with this one.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received the response from Capital One. I have stated several times my card was stolen and it just was never properly filed. I called today Im still on the phone actually and I was told they cant dispute charges because they havent confirmed that the bank account is mine. The person who responded to my complaint just yesterday through the CFPB stated they confirmed they account is mine. My account is also not in collections I have paid the account down but since I made a complaint all of a sudden my account is over the credit limit by {$14.00}. The charges in question are from XXXX of XXXX  a XXXX charge for {$200.00}. I have a car and would never get a XXXX for {$200.00} also a XXXX  gas charge in XXXX. My wallet was stolen XX/XX/2022. I moved from XXXX  to XXXX  on XXXX XXXX. The second rep told me he was the fraud manager and they dont follow the rules of the CFPB and they couldnt file any dispute because they havent confirmed I owned the account just today. The payment in question I didnt do I have said that. I havent had access to this card since XX/XX/2022. I also didnt say I had problems with XXXX they helped me get my money back Capital one is the problem. I have paid over {$630.00} to Capital one after the card was stolen yet my balance has never been reflected or decreased.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Equifax has used a Third Party Company to obtain Tax Lien information from the local Court System. The Tax Lien showing on my Equifax Credit report in incorrect. The IRS has mixed my file with another person name of which they corrected. Equifax Credit Reporting Agency has refused to REMOVE this Tax Lien from my Credit report which is causing me serious damage. When I called Equifax Representative, I was information that they request this information using a Third Party. I informed them that this needs to be REMOVED because it is NOT correct.
Consumer complaint received 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting this request to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an id theft report. Please find the required documents to assist in the removal of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$7600.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-23
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. (IL)

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.
Consumer complaint received 2020-07-10
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: Experian Information Solutions Inc. (FL)

I noticed false reports on my credit history that are not to any of my knowledge and have not consented to any of the negative reports affecting my credit. Please review and remove all unauthorized false reports from my credit report as soon as possible. 
Accounts Affected
Consumer complaint received 2021-01-15
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)

I applied for a credit limit increase for one of my credit cards again today XXXX/XXXX/202 and sadly I was denied because when they pulled my credit report there were several accounts reflecting badly. The accounts I have listed on this report do not belong to me. I did not open any account with any of these companies nor did I allow anyone to open them on my behalf. I do not have a written/verbal contract with them and I did not benefit anything from those accounts such as money, goods, services or anything else and I did not contribute to any payments that might have been made towards those debts. I have taken it upon myself to file a police report in hopes of getting my name cleared from these fraudulent accounts.
Consumer complaint received 2022-03-24
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TN)

I XXXX XXXX XXXX am a co authorized card holder on the sams club master card account ending in XXXX. Have every right to speak about this account as its reported on my credit report. 

This account was closed on or about XX/XX/2020 due to a car window break in on my, XXXX XXXX XXXX car. The criminal stole my wallet which contained sams club master card etc, somewhere between XXXX located at XXXX XXXX parking lot located off XXXX in XXXX Tennessee. Which is down the street from XXXX Tennessee. Attaching photo to authenticate the link below. Copy and paste link below showing break in on My car, talking with local law enforcement as I called Them to report the crime. 


XXXX : XXXX I cant even validate the contents inside or if this even allegedly came from synchrony bank relating to sams club card ending XXXX XXXX since this envelope came in such poor condition, I cant even validate that USPS even delivered it .Copy paste XXXX link to see alleged envelope from synchrony bank XXXX : XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MI)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. I noticed several inquiries had been made and where not for permissible purposes which is a violation of FTC law 604 [ 15U.S.C.1681b ] and therefore should be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE AND UPATE ALL OTHER ADDRESS XXXX 

AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE.
Consumer complaint received 2023-01-14
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)

I sent a letter on XX/XX/2022 to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous complaint # & I am including it again., XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX .... Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX DC XXXX .... Balance : XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. Balance : XXXX XXXX XXXX  XXXX XXXX XXXX .... Balance : XXXX XXXX XXXX XXXXXXXX XXXX SERVICES XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
Balance XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2022-03-23
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. (IL)

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Fraudulent account ( from XXXX, a horrible fraudulent company ) reappeared on credit report. Attempted to dispute online but the website is down. The help page does not contain contact information. I called to dispute by phone ; I had to enter and re-enter my private information at least 3 times before it put me on hold ; however there was no sign I was even on hold or the call was placed in a queue. I waited for over an hour and no one answered the phone. There is absolutely no other option for disputing information in the credit report that is false. This is absurd.