davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-01
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. There is a huge disparity between all 3 reports ... ... some items were removed some were not ... ... I have never filed Bankruptcy ... .I have proof from the courts that they don't supply any information to any 3rd party so were did the bureaus get this information? I am prepared to go as far as I need to get my life back together!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX written , unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX XXXX violated the terms and conditions within their contract, because XXXX XXXX XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account XXXX XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Consumer complaint received 2020-10-02
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. (SC)

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX 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 2021-01-01
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. (GA)

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. There is a huge disparity between all 3 reports ... ... some items were removed some were not ... ... I have never filed Bankruptcy ... .I have proof from the courts that they don't supply any information to any 3rd party so were did the bureaus get this information? I am prepared to go as far as I need to get my life back together!
Consumer complaint received 2021-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

See attached documents. I have complained at least 75 times against XXXX XXXX XXXX XXXX # XXXX. I complained the car purchased in my name was forgery and fraud. But that was denied. So to prove the fraud, I complain that my credit report was pulled without permissible permission to " check me out '' and then a application and contract was prepared. I received the attached from XXXX XXXX XXXX XXXX. XXXX XXXX continually refuses to send copy of the dated credit report and the permissible permission used to access my credit report. In addition, and further proof of fraud, I request the method of payments used to make the payments on the loan ; name of account, bank info, method of making payments etc. I did not give permission to access my credit report, I did not purchase the vehicle, I did not make application, I did not contract with XX/XX/XXXXXXXXXX/XX/XXXX, and I did not have use, benefit, or possession of the vehicle.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-01-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (IA)

Moved out of rental and let XXXX know XXXX of XXXX of XXXX. Rental was turned over on XX/XX/XXXX. XXXX with XXXX said all was good, I didnt owe any . They kept all of my security deposit and I professionally cleaned the home prior to moving. Was not contacted by them via email, mail or phone call stating I owed any $ for the last 2 weeks. My rental agreement was up XX/XX/XXXX. I did not renew due to Covid. I was contacted by phone call on XX/XX/XXXX by collection agency XXXX XXXX XXXX saying I owed {$1000.00}. She said if I didnt pay they will just report me and damage my credit. I told her I was never notified by anyone saying I owed any . I contacted XX/XX/XXXX via email and XXXX said I did not owe anything and to ignore. I called agency back and left message telling them what XXXX said and to call me and contact XX/XX/XXXX directly. Weeks later I got an alert saying my credit dropped and it was put on report. I cant get an answer or call back to talk with anyone with XXXX. If I owed any . I cant get an answer from anyone and I dont believe debt is valid. I would have paid if XXXX told me I owed which he didnt. It would have only been for two weeks- not a full month of I did owe.
Consumer complaint received 2021-01-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: OneMain Finance Corporation (CA)

Onemain financial has made calls to my HR employer about my debt and ways to contact me 3 times in the last 3 months. Along with that, they made repeated calls to my phone number to ask about the debt ( 6-8 times a week ), even though I told them to stop contacting as I am in the process of getting debt consultation.
Consumer complaint received 2021-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

my complaint is with citibank bank. I have used his checking account for about 2 years. and he had never had a problem with them. a few weeks ago I received a letter from them, to be more specific on XX/XX/XXXX. the message of the letter was practically the following, my account was being reviewed for suspicious activity and I had to contact them to confirm some information or my account was going to be blocked. 

I quickly got in touch with them via phone and explained that I had received a letter from them and shared the case number that came with the letter. ( XXXX ). They confirmed that everything was fine with my account and that I could ignore that letter. 

Well, a few weeks later, to be more specific on Thursday, XX/XX/2021, I open the Citibank application on my mobile phone. and I see that my account has been blocked. 

I quickly get in touch with them and they tell me that my account has been blocked and is in the process of being closed, that there is nothing they can do and that they can not provide me with any information about it. 

that I had to wait for a letter that would arrive in 30-60 business days to obtain information about why my account was blocked and the check with my funds. 

an account with nearly {$170000.00} all my money. 

now I can not withdraw or obtain access to those funds for 30 to 60 days. which is frustrating and makes me quite angry and which I consider to be unfair.
Consumer complaint received 2021-01-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Google Compare Credit Cards Inc. (CA)

Google Pay was offering a {$21.00} cashback promotion after spending {$50.00} at XXXX. I saved the offer in my Google Pay account in early XXXX. On XX/XX/XXXX, I checked my account ; the XXXX offer was still saved to my account in the app, so I proceeded to spend {$50.00} at XXXX on XX/XX/XXXX. I did not receive the {$21.00} cashback from Google. 

I tried contacting Google for help but they said the promotion had ended. However, this is extremely deceptive marketing because I double-checked my app right before I made the purchase, and the offer was still standing. If Google wants to end a promotion, then they ought to take down the offer. I was " tricked '', essentially, into spending {$50.00} at XXXX that I would not have otherwise done because I thought I was getting {$21.00} cashback for it.
Consumer complaint received 2020-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Service of Nevada (NV)

This whole case with XXXX XXXX XXXX is nothing but a fraud. They have put on fraudulent get bill to me for XXXX dollars that falsified the document. If you look at page one on the documents that I have posted you will see a total of XXXX XXXX them. If you called your document number 2 you'll see that the carpet charges and all the relevant charges that should have been presented correctly or not balance balancing out on the payment. They do not have billing statement showing the charges for the maintenance supposedly that I have doja the apartment. I want these documents overlooked again and I want this case dismissed with XXXX XXXX  XXXX immediately. I re filed for another case and then this issue it will be dismissed without prejudice. I'm gon na continue the fight it as long as I can get these people in trouble for what they've done to me and trying to wreck my credit and financial stability. XXXX XXXX is a XXXX neighborhood lousy service lousy plumbing and they don't do anything for the residents there. there's dog XXXX all over the place and you don't have any parking for your vehicle. XXXX XXXX damage done to the vehicles that are parked in their parking lot and it's just a big mess over there in the only way that they can make any money is to just raise around and not do the maintenance period
Consumer complaint received 2021-08-29
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. (KY)

Equifax Credit Bureau has allowed a collection agency to report erroneous negative information on my personal credit reports. 

Equifax lists a collection in the amount of {$100.00} from XXXX XXXX  from XX/XX/2021 I was NEVER contacted by this collection agency to be given an opportunity to validate this and it has simply appeared on my reports. How does Equifax allow this to happen?? I demand to know. 

Again, I have NEVER received ANYTHING from XXXX XXXX  or EQUIFAX in regards to this matter. No verification or validation has been done by either of them. 

This is in direct violation of the FCRA and this collection MUST be removed immediately.

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Defamation Negligent Enablement of Identity Fraud P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-01-01
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had money in a cd account because it was being used as a deposit for the XXXX  XXXX XXXX credit card. Bank of america closed my account without telling me. I was informed that I was suppose to get a refund of {$110.00} which is the annual fee and the rest of the balance on my card. 
I also have money in a cd that is ending in XXXX. I have gone to bank of america twice and they refuse to releasee my funds. On XX/XX/2020 I went to bank of america and spoke with XXXX XXXX. He opened a case to have the funds released by XX/XX/XXXX. I then get a letter stating that Bank of america stating they are unable to process my request to release the funds for account ending in XXXX as the funds are currently on hold. I then went again to the branch on XX/XX/XXXX and spoke with XXXX XXXX who did the exact same thing as XXXX. To date I still have not released my funds. This is pretty egrigious because anytime they department that is holding my money is closed. So its like when am I going to get my money because the department is never open. Its been months since the account has been closed and bank of america is holding my funds, which is not acceptable
Consumer complaint received 2021-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NC)

I C System XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of {$230.00}. The collection has been reported as past due. I do not know this company & Ive never done business with them. This company does not have a contract with my signature on it.
Consumer complaint received 2020-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS ACCOUNT RESOLUTION has two accounts open for medical bill ( office visit to urgent care ) The office visit was paid in cash but never noted in their system. There was an issue with an employee at that office & believe this was done in retaliation. My insurance paid the urgent care its cost but the urgent care still charge me a bill without my knowledge then sent it to collections without ever contacting me. The collection agency was originally -- XXXX XXXX XXXX XXXX then sold it to ARS ACCOUNT RESOLUTION -- - who have an account open without my knowledge of a debt that isn't a debt and was paid for already! i have proof from my insurance.
Consumer complaint received 2020-12-31
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. (OH)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-12-31
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. (OH)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-12-31
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. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/2019 and XX/XX/2019 ON MY XXXX XXXX ACCOUNT. PLEASE SEE ATTACHMENT OF THE DISPUTED LATE PAYMENTS
Consumer complaint received 2021-08-30
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)

Account Name : XXXX XXXX XXXX Account No. XXXX Balance : {$0.00} Account Name : : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Account Name : : XXXX XXXX Account XXXX. XXXX Balance : {$0.00} I would like to say first of all that this is a formal complaint against XXXX, XXXX, and TransUnion. For the last XXXX months, I have disputed the accounts stated above to the credit bureaus and the debt colletors to ask for a reasonable investigation of the accounts. For the very reason that these accounts are reporting inconsistently in all three bureaus which has caused me distress because I couldn't get approved for credit. 

I have asked the credit bureaus to correct the reporting of XXXX XXXX XXXX. The date of last activity in TransUnion is reporting XX/XX/XXXX, while XXXX  is reporting XX/XX/XXXX. This information should be reporting the same in all bureaus correct? So how can they not correct this problem? If they can not properly validate these accounts, it should be fair that these problematic accounts are removed immediately.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (TX)

I was shopping auto insurance and XXXX told me that there was a accident claim on my report. They gave me the company information and I went to the company website to ask for a copy of this report and 45 days later I receive a letter in the mail that instructs me to go to a link on their website and enter a code. I did this and the link does not work. I want a copy of this report.
Consumer complaint received 2020-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX   Transunion & XXXX 

I didnt hear back so I sent a demand to comply with investigation on XXXX/XXXX/2020 Today is XXXX/XXXX/2020 and I still havent heard back from these companies.
Consumer complaint received 2021-08-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I have been working with Chase Bank to refinance my mortgage since XX/XX/XXXX. This isn't the first re-finance that I have gone through. I have gone through several of the years and have grown accustomed to how the process generally works. This current process has been disturbingly unorganized, noticeably filled with missteps and easily recognizable incompetence. There have been blatant attempts to stall by asking for data that clearly doesn't apply to my situation as well as several requests for pay statements. I have provided 3 months of pay statements. I have demonstrated at this point for sure that I am able to afford the mortgage. This seems to have elements of harassment or perhaps something much darker. I have never encountered such before. The communication has been mainly one sided with me responding to requests that don't make sense or don't apply to me personally. 

I have repeatedly asked for a response or explanation for the delays even escalating to the Mortgage Customer Care Specialist 's Team Manager for assistance. That happened on XX/XX/17. I haven't received a response yet to my concerns. I don't know what is going on with Chase Bank. I have never encountered such gross incompetence or lack of professionalism ever. I really don't want to pursue the refi but would like to know from the CFPB if there is a way that I could exit the refi that is going no where and retrieve the funds that I have already paid. Could you please assist me with my situation? 


Thank you for your willingness to help