davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2020-04-09
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: EQUIFAX, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$180.00}
Consumer complaint received 2020-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (OH)

I am a victim of Fraud and I am trying to protect my credit file as much as I can. I have found several ACCOUNTS on my credit report that do not belong to me. I was in the process of buying a car when it was brought to my attention. The following accounts are not mine I cant find any contracts for business with any of these companies : ENHANCED RECOVERY COMPANY # XXXX, I have requested legal paperwork from the above companies without any response so now I am filing a police report and I will follow up with a report to the FTC..
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (MS)

I requested verification of this debt from the company according to the laws and was sent a bill, but no verification that this debt belongs to me. Furthermore, this company and 2 others are reporting to own the same debt on my credit report or sending various attempt to collect letters. 

I need valid justification and the debt be removed from my credit report if it can not be verified. I have sent proof that this debt is being reported multiple times illegially.
Consumer complaint received 2020-03-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

The Escrow Account Disclosure Statement I received from Pennymac dated XX/XX/2020 states that my total payments from Escrow are {$3300.00}. The minimum required balance is stated as {$490.00}. This should only be " no greater than 1/6 of the estimated total annual payments from the account. '' I am being overcharged by {$310.00}. The correct amount is {$170.00}. 
I am worried that this company is taking advantage of millions of consumers during this dreadful time by collecting and using this money interest free. Please investigate.
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

A better description of what happened to me is posted here : XXXX XXXX XXXX Background : I have a new bank of america credit card and signed up for auto-pay, selecting the " amount due '' option to be payed on the due date. There is another " pay minimum amount '' option that was left unchecked. The problem is that selecting " amount due '' actually results in paying only the minimum amount, resulting in interest charges. There have been multiple online complaints over this and B of A refuses to fix this confusion and continues to collect interest payments as a result, which is WRONG. 

Specifics 1. XX/XX/20 : I received an alert on the due date that only the minimum payment ( {$140.00} ) was received. I went online to try and pay this manually but the site was down and payments could not be administered manually. 
2. XX/XX/20 : I called B of A and complained. They said they would register the complaint but indicated I needed to call back if/when any additional charges were added. I went online and paid the full amount manually ( {$3200.00} ) 3. XX/XX/20 : I received a statement indicating {$39.00} interest charges were added because only the minimum payment was received on XX/XX/20 from the auto-pay option " amount due '', again " pay the minimum amount '' was UNCHECKED. 
4. XX/XX/20 : I called B of A asking them to remove the interest charge of {$39.00} and they refused stating that if you clicked a separate link ( that was not included in the pull down payment options ) it explained that " amount due '' and " pay minimum amount '' are the same and may result in interest charges. 

B of A can and could-have easily fixed this confusion as several others have complained per previous link -- - but they refuse to do so to-date. Their explanation was that this global payment portal was used for several different types of payments and that for credit cards -- - " amount due '' and " pay minimum amount '' are actually the same thing, which results in interest charges. I believe this is purposely misleading the public to collect additional interest and is something that can and could-have easily fixed.
Consumer complaint received 2022-12-28
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. (PA)

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.
Consumer complaint received 2020-04-09
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: Experian Information Solutions Inc. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

DEPEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (MA)

Remains + 'icon ' Remains CALIBER HOME LOANS, IN Account XXXX This loan was settled we sold the house at a short sale and the lender agreed to list as pain in full.. it was already removed from my equifax and my XXXX XXXX .. this need to be removed ASAP.
Consumer complaint received 2020-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. 

DEPEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXXXXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : CXXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (CA)

I received notification from XXXX on XX/XX/XXXX1 that a derogatory account had been reported by Amsher Collection Services which negatively impacted my credit history. 

Amsher Collection Services reported multiple derogatory accounts and did not send written notification. This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ]. 

On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law. 

Therefore I have submitted this complaint for investigation.
Consumer complaint received 2020-04-09
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: Early Warning Services, LLC (FL)

Early warning service is housing incorrect information on there profile about me, i sent them letters the then respond saying my dispute is not being done and basicly im lying, one of there records i have spoken to the bank directly and they advised me that they advised EWS to remove this since XXXX along with the XXXX. this company lack of support and in corrrect information is causing problems and my next steps will be a civil suit against them if they do not correct this errors
Consumer complaint received 2020-03-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I HAVE A CAR PAYMENT SET UP WITH CAPITAL ONE AUTO FINANCE! THE ACCOUNT NUMBER IS : XXXX. FOR THE LAST 5 YEARS I HAVE PAID MY CAR LOAN TO CAPITAL ONE BY TELEPHONE AT THE END OF EVERY MONTH ( TELEPHONE RECORDS TO PROVE IT ) FOR {$360.00}! ON XX/XX/XXXX I SPOKE TO AN AGENT, LIKE I DUE EVERY MONTH, TO VERIFY MY PAYMENT! ON THIS DAY I SPOKE TO AN AGENT CALLED XXXX AND I CLEARLY EXPLAINED TO HIM THAT I WAS GOING TO CALL THEM AT THE END OF THE MONTH TO MAKE A PAYMENT! WHEN I CALLED ON XX/XX/XXXX AN AGENT CLAIMED THAT THE MONEY WAS ALREADY SENT OUT TO THEM WITHOUT MY LEGAL PERMISSION TO DUE SO! THEREFORE CAPITAL ONE BROKE THE LAW! I ALSO HAVE BANK RECORDS TO PROVE THAT I MAKE THE PAYMENTS AT THE END OF EVERY MONTH! BECAUSE THIS MONEY WAS ILLEGALLY DEDUCTED FROM MY XXXX  CHECKING ACCOUNT I HAD 2 CHECKS THAT BOUNCED AND WAS CHARGED XXXX IN OVERDRAFT FEES! CAPITAL ONE BROKE THE LAW AND THEY SHOULD BE PUNISHED FOR THIS OFFENSE!
Consumer complaint received 2021-10-14
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 HAWAII CORPORATION (HI)

I XXXX XXXX XXXX  charged my account XX/XX/XXXX for the amount of {$800.00} and XX/XX/XXXX {$1600.00}. They informed me that I will be getting a refund a month went by XX/XX/XXXX I didnt receive my refund so I called the bank to file a claim. I was not given a response of the outcome of claim. I waited and merchant keeps saying 30 days every time I called. Now its XXXX still no refund. I called the bank to file a claim they wanted a confirmation letter that merchant is going to issue a refund. Then they denied my claim because merchant states they will issue the refund its been more than a year. I dont have my money. I have called the back more than 50 times and did my part as a customer. The bank has given me a run around. The merchant committed fraud by not giving me my money back and Im supposed to have insurance fdic insured but they wont do anything to help me.
Consumer complaint received 2020-03-30
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My personal checking and savings account was deducted for direct pay made out to me XXXX XXXX from something called XXXX XXXX XXXX XXXX I never received one payment other than the stubs from Bank of America Association Corporation private bank. Iam attaching the mailer Bank of America sent me stating if the direct payment from my account Im also wondering why I cant access my XXXX account attached to my BofA account thank u.
Consumer complaint received 2020-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There were inquires made on my credit report that was not authorized by me. 

XXXX XXXX Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX/XXXX  Date : XX/XX/2020 XXXX   XXXX XXXX  Date : XX/XX/2020
Consumer complaint received 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, I recently applied for a credit card with BofA but was declined due to 2 reasons : 1 : not enough relationship with bofa ( not a lot of funds ) 2 : too many inquires I would like to use this opportunity to remedy and explain : I highly value my relationship with BofA and therefore I have deposited decent amount of cash, if the card is approved I will be going for Platinum Honors status by depositing additional funds. The reason for too many inquires is because I have been applying for the same card from the same institution with no result - XXXX. I hope BofA can take another look at my application I have attached my debit card number with this inquiry
Consumer complaint received 2024-03-18
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. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2022-12-28
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. (PA)

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.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MT)

I submitted a dispute regarding the status being reported to the credit reporting agencies by XXXX. I provided proof that the loan is paid off and the balance is XXXX  but XXXX  refuses to correct their reporting error.
Consumer complaint received 2016-12-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Advance Bureau of Collections (GA)

credit collection agency Advance Bureau of Collection has caused a collection to appear on my credit report for no reason, i did not receive any correspondence, letters or calls from this company before this happened. i was notified of this collection on my report by a ID theft monitoring company XXXX which monitors changes to my credit report. The company that submitted this collection action on my report is Advance Bureau of Collection XXXX XXXX XXXX XXXX GA XXXX. I asked the my telephone call to remove it immediately but they said it would not be done at this time and not for 3 months or more. This company stated that a computer error caused the collection to be placed on my XXXX report in error. I talked to XXXX XXXX and a lady named XXXX XXXX to get assistance and they were not willing to write me a letter statement of error or provide me any other paperwork stating it was their error. this company should not be allowed to tarnish my credit score which was XXXX to XXXX before this company took action against me.