davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
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. (CA)

XXXX IS CURRENTLY REPORTING A BANKRUPTCY ON MY CREDIT FILE THAT IS NOT REPORTING CORRECTLY, I HAVE PREVIOUSLY DISPUTED BANKRUPTCY CASE XXXX WITH XXXX AND TRANSUNION AND IN RESPONSE THEY BOTH VERIFIED THE ITEM AS ACCURATE. STATING THAT THEY HAVE VERIFIED WITH THE COURTS. I CONTACTED THE COURT AND THERE RESPONSE WAS BY LAW THEY ARE NOT ALLOWED THE VERIFY ANY PUBLIC RECORDS WITH 3RD PARTY VENDORS SUCH AS TRANSUNION OR XXXX. IT IS CLEAR THE UNITED STATES BANKRUPTCY COURT DOES NOT REPORT TO XXXX OR TRANSUNION.THEREFORE XXXX AND TRANSUNION EITHER AN ERROR OR A LIE.EITHER WAY THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C & 16811 ) AND THIS INFORMATION MUST BE DELETED.
Consumer complaint received 2022-08-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc. (FL)

Was sent a collection letter and responded within 30 days telling them this debt is the rsult of identity fraud. It appears that someone obtained medical services in my name. I did not receive any treatment from the original creditor. 

Asked the collection agency to validate the debt by sending me a copy of the SIGNED agreement to pay them. Since I did not receive the services, I knew they would not be able to do so, and in fact they never validated the debt. 

The agency continues to report the debt to the credit bureaus, and is not noting in any way that the debt is disputed. 

The agency is also reporting this debt TWICE with the credit bureau, with the same exact dollar amount, but with different dates about 4 months apart. This makes it appear that twice as much is owed.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America had been duped into modifying my name, adding an email address and phone number from mid XXXX through XXXX by a criminal in California. A place that We Ive never lived. All this done without notifying me. It took many phone calls and over 20 hours on the phone, in addition to 2 1/2 hours at the bank to restore my identity with the bank. 
All security measures, including a verbal password was put in place to thwart further attempts by the thief. 
On XX/XX/XXXX the thief, through a telephone agent was able to push through a transaction. Despite the verbal password and telephone verifications, this occurred nonetheless.
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

I was paid {$20000.00} from my client for my services through PayPal. PayPal limited my account from me withdrawing my funds and doing a instant transfer. 

They charged me {$710.00} for receiving my payment from my client and now they are holding my funds XXXX  stating that I cant receive my remaining funds in my PayPal account till 180 days and that they are closing my account down. 


This was so wrong.. They decided to do me this way during the holidays so I had to go without and still not able to withdraw my funds after doing everything they have requested for me to do.
Consumer complaint received 2021-12-27
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT 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 PENNSYLVANIA XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-27
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. (MD)

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave them any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

On XX/XX/2021, a Collection Account came up on my credit report saying I owe XXXX XXXX {$1700.00} for an account I have no affliation with. I have a personal XXXX account which I have never missed a payment on. This account was attached to my credit report by Squium Asset Solutions. I have looked up the reviews for this XXXXection Agency and this type of scenerio is happening to a lot of people. They put a fraudulent charge to your credit with hopes you will call them to pay it. This is slowly ruining my credit score. I have heard if you call them directly, they will somehow make the situation worse for you. I have filed disputes with all 3 credit bureaus ' but have not heard the results yet. Please help me resolve this and have my credit restored to which was near perfect prior to this situation. I'd like to bring down Sequium in the process and will do whatever it takes to help with that.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Blackrock Mitigation Group LLC (NY)

I initiated a rollover IRA to BlackRock from " XXXX '' institution on XX/XX/2021. I filled out the required form when opening my BlackRock rollover account on XX/XX/2021 I called Blackrock four weeks later to check on the status of this rollover order and I Was informed by betterment representative that it was " in-process, proceeding normally, and everything looks good please wait 2-6 more weeks '' Six weeks later still nothing so I follow up by calling Black Rock on XX/XX/2021 only to find out my rollover instruction was ignored and never initiated without *any* explanation from Blackrock as to why it was ignored nor any apology from BlackRocXXXX, XXXX XXXX of BlackRock XXXX me XXXX XXXX complete XXXX the Form with him over the phone ( which I did ) and immediately emailed it to XXXX ( Which I did ) he would expedite the rollover instructions On XX/XX/XXXX i received a letter in the mail stating that my rollover instruction has *again* been ignored without explanation as to why it was *never* initiated. This is disgusting behavior for a financial institution.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NY)

I initiated a rollover IRA to XXXX from " XXXX '' institution on XX/XX/2021. I filled out the required form when opening my XXXX rollover account on XX/XX/2021 I called XXXX XXXX weeks later to check on the status of this rollover order and I Was informed by betterment representative that it was " in-process, proceeding normally, and everything looks good please wait 2-6 more weeks '' Six weeks later still nothing so I follow up by calling XXXX XXXX on XX/XX/2021 only to find out my rollover instruction was ignored and never initiated without *any* explanation from XXXX as to why it was XXXX nor any apology from XXXX, XXXX XXXX of XXXX XXXX me XXXX XXXX complete XXXX the Form with him over the phone ( which I did ) and immediately emailed it to XXXX ( Which I did ) he would expedite the rollover instructions On XX/XX/XXXX i received a letter in the mail stating that my rollover instruction has *again* been ignored without explanation as to why it was *never* initiated. This is disgusting behavior for a financial institution.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received my XXXX debit card and I attempted to use it at an atm but nothing came out, I then contacted Bank of America and next thing you know my accounts being debited through atm transactions I did not make I contacted Bank of America again and they told me that theyd send me a new card and I was told that a claim had been filed on my behalf which never happened so I called back again because my account was at a XXXX balance due to atm debits again in California while Im in another state with my card... I contacted them again and was Told once again that a claim had been filed and Id be receiving a new debit card... I finally did receive a new debit card but my claims kept getting closed without any type of investigation... I have not been able to pay any of my bills/rent and have been facing eviction due to this ..... I have been dealing with this issue til this day they ignore all my request and automatically close out all my cases. Still dealing with them behind them not wanting to give me my money and this is my 4th complaint Ive been dealing with this for the past year now
Consumer complaint received 2019-11-27
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN HONDA FINANCE CORP (AZ)

Was paying for a 5 year auto loan on a XXXX XXXX XXXX and was paying the loan through Honda, paid off the loan in XX/XX/2017. I have had a perfect payment history the entire 5 years except towards the beginning when I initially signed up for automatic payments. When I enrolled in automatic payments they assured me that the payment would get deducted on time and I wouldn't have to worry or do anything. Over 1 month later they call me and say my payment was late and I was furious and told them I enrolled for automatic payment and they put me back on it but didn't remove the derogatory mark but they refused. Now that the loan is paid off I've been contacting the past month or so several times in order to get the derogatory mark removed to improve my credit and they don't care about helping me since the loan is already paid off. Despite this not being my fault Honda still won't take care of me and don't know what else to do.
Consumer complaint received 2019-11-27
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 have an account from XXXX  XXXX  XXXX  # XXXX that is Fraudulent I have requested that XXXX XXXX XXXX   froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a 605b BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.
Consumer complaint received 2021-12-27
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital one shared my information after I XXXX XXXX ask them not to pay XXXX XXXXXXXX XXXX XXXX.and I and raise my credit without my authorization also report me late to credit bureaus and I made every payment on time. 
XXXX XXXX
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BARCLAYS BANK DELAWARE (PA)

On XX/XX/21 contacted XXXX about an incorrect address on my credit report. They informed me they wouldn't remove it since one of my creditors ( Barclay ) was reporting it. Started a dispute w/XXXX  about the address ( XXXX XXXX, XXXX ) XXXX Was told it could take up to 30 days. 

Reached out to Barclay. The Representative ( ID XXXX XXXX ) refused to change anything, and falsely stated he could not see any information since sent to collections. Also repeatedly stated that was the only address Barclay EVER had and there was nothing he could do. I asked how/where they had gotten that address. Rep refused to give me an answer, or offer any proof to validate why this is on my credit report. He had none. Asked for supervisor. Spoke w/her she said she WOULD update my account to the correct address ( tix # XXXX XXXX, 3-5 days ). 

Finally got the dispute back from XXXX, with the same address on there! They did edit it to say FL XXXX as well. XXXX also claims they have no proof of this address either. How can this be reported, disputed, and still shows up on my credit report w/ZERO documentation given to the consumer as proof? After fleeing my home XXXX XXXX XXXX now unable to find a new place to live for me and my son because of this address on my credit report. All w/out the Barclay and/or XXXX showing any documentation to me at all. If there is verification I have the right to see it or know about it. I do believe this violates my credit bill of rights : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. '' This still hasn't been done, or any documentation shown.
Consumer complaint received 2021-12-27
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)

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2019-07-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Carvana Group, LLC (TX)

I traded in a car and paid cash to purchase another car from Carvana on XX/XX/2019. The trade in has an outstanding loan. Carvana has not paid off the loan. I have utilized Carvana 's online chat and called multiple times. I am continuing to be charged interest on a loan for a car I do not own, and continue to make payments.
Consumer complaint received 2019-11-27
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 

1. XXXX XXXX XXXX XXXX  with ACCT # XXX opened on XX/XX/2019 with a credit limit of {$21000.00} -This is not my account. 

2. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/2019 with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2019-11-27
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 have an account from XXXX  XXXX  XXXX  # XXXX that is Fraudulent I have requested that XXXX  XXXX  XXXX   froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a 605b BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MN)

Im filing a formal complaint on midland credit management after reviewing my credit reports on all three credit reporting agencies I noticed that midland is in violation of the FCRA and the fair debt practice Act I disputed this account numerous times with all of the four major reporting credit agencies and midland failed to note the required noticed of dispute on all of the reporting agencies this information must be deleted immediately for violations. Midland please send me in writing confrontation that this tradeline has been removed from all reporting agencies
Consumer complaint received 2021-12-27
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)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report, I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-25
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account # USBK COURT XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-27
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. (MD)

There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2021-12-27
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. (TX)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-06
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: ALLY FINANCIAL INC. (MA)

I bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX  twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

XXXX XXXX
Consumer complaint received 2021-12-27
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)

I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.