davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-20
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)

XXXX, XXXX and Transunion are showing several accounts that are not mine and a result of identity theft / fraud. 
I am prepared to file suit against all 3 bureaus as this is causing a lot of conflict when I am applying for things. 

XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off 2 times on report XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection 2 times on report XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection 2 times on report / XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection Transunion : XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX XXXX : XX/XX/XXXX {$530.00}
Consumer complaint received 2022-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M. G. Credit, Inc. (FL)

M. G. CREDIT XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX Dear Sir/Ma'am I am writing in hopes of your agency sending me all required information about this debt your agency has placed on my Consumer Reports. I requested this information previously and never received it. PLEASE SEND ME : Who is the Creditor, Original Contract, the ASSIGNMENT CONTRACT between M.G. Credit and the Creditor, Proof of State License to collect, Line by Line accounting of original account, ( NOT COLLECTION AGENCY ACCOUNT ), Date of Last Activity, Date of First Delinquency, Proof debt owed is within Statue of Limitation for Florida. I dispute this debt or any portion of this debt. I am requesting validation/verification of this debt. If you think I owe you this debt please send me this information in writing. I am looking for accuracy, completeness, and correctness. Please do not call my cell phone. Thanks for your response in advance. XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX AUD- PLEASE PROVIDE ENSURING ROUTED TO PROPER CRA WITH PROPER DATA WHAT IS YOUR JURISDICTION OF THE CLAIMS YOU REPORT-PLEASE PROVIDE MAKE ALL REQUEST TO RELIEVE YOUR AGENCY FROM YOUR FOUL POSITION OF WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENCE AND YOUR CONTINUED VIOLATIONS OF THE LAW. 

I HAVE NO IDEA WHO YOU ARE. I NEVER HAD ANY CONTRACT/ASSIGNMENT WITH YOUR COMPANY. HOW DID YOUR COMPANY RECEIVE ANY OF MY INFORMATION? 

Proof all rights are transferable 1692. Congressional findings and declaration of purpose 1692b. Acquisition of location information 1692c. Communication in connection with debt collection 1692e. False or misleading representations 1692f. Unfair practices 1692j. Furnishing certain deceptive forms 1692k. Civil liability 1692g. Validation of debts
Consumer complaint received 2021-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently obtained copies of my consumer report and noticed unauthorized inaccurate items reporting. I am well educated and highly intelligent and am very well aware of my rights as a consumer. The fair credit reporting act requires that you, the credit reporting agency, report accurate and or/correct account information within my credit file. These accounts do not belong to me. This means that you are reporting inaccurate information within my credit report. It is with this in mind that I request that these listed accounts and items be removed immediately. Pursuant to the FCRA Section 1681 c ( 2 ) Block of Information resulting from identity theft, you are required to block any information in my consumer file that is a result of identity theft, not later than four ( 4 ) business days after the date of receipt by such agency.
Consumer complaint received 2023-06-07
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (IL)

I had a BB & T account a year ago that I opened In XXXX XXXX Florida. I closed the account I. XXXX 2020. 
I recently discovered through the IRS that they stole my Covid 19 payment instead of sending it back to the IRS.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XXXX2020 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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I have contacted Equifax and XXXX numerous of times letting them know if a creditor run my credit they will have to contact me I have 47 hard inquiries on my Equifax report and 15 hard inquiries on my XXXX report without my authorization they both have copies of my social security card and my police report.. and pretty much annoying my request..
Consumer complaint received 2021-01-06
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: EQUIFAX, INC. (GA)

On XXXX2020 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 Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NV)

On ( XX/XX/2020 ) I wrote to Experian and XXXX about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

Ive paid this account off many times through the XXXX yrs the account has been open, currently with a XXXX balance for few months, it was closed on XX/XX/2023 for I was told in part that the " scoring system they used to predict your creditworthiness ''. You cant predict anyones credit worthiness! I find that discriminatory!
Consumer complaint received 2023-03-20
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. (TX)

I feel like my letters are being ignored so I want to seek help from CFPB and Atty General about this issue because I have been contacting your company about my credit issues. I'm gon na search for other options because I know you have violated of FCRA law for not responding on time.
Consumer complaint received 2021-01-01
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Avant Holding Company, Inc. (NC)

In accordance with the Fair Credit Reporting Act, the reporting of my account, Account # XXXX with Avant/WebBank opened XX/XX/XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 16 CFR 313.7, 15 USC 1666a and 15 USC 1681 . I have sent the aforementioned company opt out notices and they have, and are, violating my rights by not complying with my opt out notices. Ive sent these notices to XXXX different addresses identified as Avants ' Creditor Information addresses from my credit reports. 
I have requested XXXX, XXXX and XXXX remove any and all information associated with my Avant Account # xxxxxxxxx due to violations being committed per regulations and laws under the Fair Credit Reporting Agency ( 15 USC 1681 ), The Privacy of Consumer Financial Information ( 16 CFR 313 ) and the Privacy Act of XXXX ( 15 USC 552a ) to no avail. Along with numerous other violations, XXXX reports the account with on time payments in XXXX of XXXX, while XXXX reports payments 30 days late in XXXX of XXXX and XXXX has no payment history available. Also, XXXX has the account remarked with Unpaid balance reported as a loss by XXXX XXXX, transferred to another lender, XXXX has it remarked as Purchased by another lender and XXXX has it remarked as Charged Off Account. In addition, XXXX, XXXX and XXXX each have different addresses listed as XXXX XXXX XXXX. I, once again, am formally requesting XXXX, XXXX, and XXXX the remove the XXXX XXXX Account # XXXX opened XX/XX/XXXX from my credit report.
Consumer complaint received 2021-01-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Comerica (CA)

This is a complaint against Comerica Bank. The bank rep named XXXX XXXX sent me a letter s that she will be closing my account on XX/XX/2020, due to no reason. Upon numerous requests to explain her reason for closing my account, she did not disclose why she is closing my account. Instead, she was laughing and giggling, she said I am just doing this based on one of the Managers instruction. She would not give me further details. Thus I am unaware of this sudden closure. Comerica bank has horrible reviews on XXXX, etc and XXXX XXXX XXXX. 
Although, Comerica did not share any reason for this account closure, they kept on charging me numerous bank fees which should not be charged to the type of account I had. 
Employees of Comerica also shared their concerns about poor Management and customers not been helped, and Management overloading work, etc. The teller gave me the District managers phone number to call and discuss this. However, I was unsuccessful in reaching him.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (NY)

My name is XXXX XXXX I received a copy of my consumer report and Ive noticed fraudulent account/inquiries. FTC definition states that " Identity fraud is when someone uses your personal or financial information without your permission ''. with that being said I have no knowledge of this inquiry and XXXX shall delete it. I did not give XXXX written consent to furnish my consumer report pursuant to 15 USC 16816 ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' once you receive this FTC report pursuant to 15 USC 1681 c-2 you shall delete it in 4 business days if not you would be in direct violation with the FCRA, knowingly continuing to use my information without my authority is another violation pursuant to 18 USC 1028a which is aggravated identity theft.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (GA)

I just received a copy of my updated consumer report and I am shocked to still see the inaccurate information still being furnished on my report. This account is duplicated on my report and neither account should be on my report NCB MANAGEMENT SERVICE and XXXX XXXX XXXX Both have the same account number these items need to be removed. I have filed a compliant with the CFPB regarding these accounts and XXXX has determined it does not meet FCRA requirements therefore it has been deleted however XXXX and XXXX continue to report this inaccurate information even though they are all govern by the FCRA. 15 USSC 1681s clearly states that it is the duty of the consumer reporting agencies to ensure maximum accuracy when furnishing information.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

My name is XXXX XXXX and I would like to inquire about my consumer report with LexisNexis. On XX/XX/XXXX I spoke with one of the LexisNexis representatives named XXXX ( Case Reference Number : XXXX ) and she informed me of the 4 accidents I had on my record. The first 3 were under XXXX XXXX, with dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The last one was with XXXX XXXX on XX/XX/XXXX. XXXX told me that all of these accidents were listed as under my fault, and when insurance companies went to LexisNexis to get this information, that is what they reported to me, and therefore charged me higher quotes. I understand that LexisNexis does not have a hand in the quotes or policies of these insurance companies, but it is reporting the incorrect information. 

I recently filed a report with the CFPB ( Case # XXXX ) with LexisNexis for incorrectly reporting the fault of these accidents. CFPB opened up a claim with LexisNexis and you recently responded to me. In the letter, they only spoke about 2 accidents, the ones on XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. LexisNexis finally talked with XXXX and removed the claim that the accident on XX/XX/XXXX was my fault, correctly so. However, when discussing the claim with XXXX, they said that their information was " accurately reported '', even though I have evidence that XXXX claims that this accident was not my fault ( this will be attached below ). Apparently this accident was not removed from my file when it should have also been. 

Lastly, the other 2 accidents I talked to XXXX about have not been reviewed or disputed at all, which are the accidents that occurred on XX/XX/XXXXXXXX  and XX/XX/XXXX. I have evidence that both of these accidents were not my fault. This can easily be verified if LexisNexis opens up a claim with XXXX and talks with them. I will attach my evidence below for these 2 accidents as well, showing that XXXX states these were not my fault.
Consumer complaint received 2020-12-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MO)

SLS makes it extremely difficult to SLS makes it extremely difficult to contact a representative regarding getting an extension on my mortgage loan due to economic hardships doing Covid-19. SLS locked me out of my home and put a lockbox on it. I had to spend several hours on the phone to get this straightened out. On XX/XX/20 I contacted SLS because I received another letter. I was disconnected twice and spent 2 hours speaking to four different representatives. I was told that I needed to download a 18 page application. I was told very harshly if I didn't pay my XXXX payment I would be reported to the credit bureau. The only representative that showed care was XXXX.
Consumer complaint received 2021-01-06
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. (NV)

My information was breached in XXXX  data breach and I was contacted by a debt collector that I have never done business with so decided to research it some more. I had all my reports pulled and realized there is multiple accounts that don't belong to me. I filed a police report, an identity theft report, contacted the companies, and filed disputed with all 3 major bureaus with supporting documents sent to them. They have not fixed the problem and I should not be held liable for accounts that don't belong to me.
Consumer complaint received 2024-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ark-La-Tex Financial Services, LLC (MT)

I bought a house for XXXX with benchmark mortgage. 
I wired benchmark, XXXX XXXX XXXX to be applied as a down-payment on the balance of the loan. 
I found out while selling my home due to my unusually high payoff that benchmark kept that money for themselves and never applied it to the balance as my down-payment as agreed upon. They stole my money from me.
Consumer complaint received 2024-02-08
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (CA)

RE : Need help I need my monies back. all my check has been wiped out. 
XXXXI called to stop some pending transactions. on XXXX  The rep on direct express transferredme to a fraud person on the phone. direct express did stop one transaction. But the rest of the charges went thru {$1200.00} my complete XXXX XXXX check is gone. I did answer all there questions and they sent me a letter with the same questions, I sent back to direct express the letter and still No provisional credit is sent to meNo monies yet very tuff for rent, food, water etc. How do I live with 30-90 wait time for there investigation? team to review These transactions on my card are not pin approved some howmy card number are being used? I read online that alot of people like me are getting the run aroundand alot of there monies are being scammed thru this direct express card. 
Please Help XXXX XXXX
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On XX/XX/2024, I used spot me to pay XXXX {$96.00} on my checking account. The item was returned by Chime underhandedly without notification, and it created fees and a financial hardship.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This is the second time this has happened in a year. 
I was charged an overdraft fee of XXXX on pending items that were not overdrafted and my account balance was positive when the overdraft fee was applied. The charging of the overdraft caused my account to overdraft and then I was charged XXXX more in overdraft fees! I understand if I truly overdraft something but these charges I am being overdrafted on for XXXX didnt even fully come in and leave pending status until after the XXXX was charged. Citizens Bank was sued for this very practice some years ago and had to return fees collected to it's customers. I am very upset as I tried to reconcile with the supervisor on the customer service line and she would not listen to me or look at my account, she only wanted to tell me the overdraft policy. I know what the policy is. She would not look at my account or hear me out that the account was POSITIVE when the fee was charged. At no time was it ever negative on my mobile app or my online account, in fact I added XXXX to make sure it would not go negative when the pending items came in as cleared.
Consumer complaint received 2023-06-07
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 agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.