davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

On XX/XX/2020 I tried to unfreeze my credit report at Equifax. I could not log into my myEquifax account. They displayed a number to call. I called the number and gave the automated system my ssn, birthdate, and current address and phone number. They required further information from my Equifax credit report. I can not get to my credit report for that information without logging in! This is a catch-22 that has me seething with anger. I am trying to refinance my home and can't continue until the report is unfrozen. This is MY INFORMATION and I want it available to my lender. Equifax 's process is unconscionable. 

XXXX XXXX
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   NY XXXX REF : XXXX XX/XX/2019 ADDENDUM OF SUPPORT In XX/XX/2019 Ive managed to purchase few electronics-related items at XXXX XXXX XXXX  XXXX, located in XXXX XXXX, NY. During the check-out I was going to pay the amount of {$310.00} via AmEx Gold XXXX, however after Ive inserted the card in the terminal, it showed DECLINED, so Ive decided to use another card instead that was XXXX  XXXX to pay the due. The transaction was successful so Ive left the store. However, couple days after this incident Ive noticed that both charges with identical numeric portion have been posted on my AmEx Gold and XXXX XXXX  Card on the same date. Ive addressed the issue to XXXX XXXX XXXX Customer Support over the phone and theyve promised to get back to me with a resolution, however as of today I havent been able to get any update from the merchant. For your convenience, Ive submitted proof of second charge on my XXXX  card. 


Please, consider supporting documents attached. 

I have retained a copy of this letter for my personal files.
Consumer complaint received 2018-03-04
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. (TN)

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.
Consumer complaint received 2022-10-05
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. (CA)

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2019-12-23
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. (GA)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXXXX not mine ATTORNEY GEN XXXX inaccurate/never late INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized
Consumer complaint received 2021-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I lost my wallet in XXXX and my driver license and social security card was in there. I continue to have to dispute items on my credit report. I also was a victim of the XXXX  Breach in XXXX. I have notice several inquires on my Transunion credit report that I have not authorize. I do not have any of these credit accounts XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX had a XXXX XXXX  since XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX had my mortgage since XXXX
Consumer complaint received 2021-06-03
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. (IL)

On today XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021 I have reached out to Transunion to fix an huge error that has occurred on my credit profile. 

I have stated/talked to over 10+ reps for hours about the issue at hand, yet to speak with a representative that fully understood the process, pain and suffering this sudden mistake has caused. An English speaking supervisor understood my frustrations and he prompted me to take added steps to ensure that it can be solved with letters from lenders/creditors. 


The problem is the lenders/creditors has submitted necessary documents, increases, balances and usage to Transunion internal office but Transunion representatives have repeatedly said this can not be reversed, changed, updated e.g. 

I asked were the calls being recorded/reported, I asked for a direct email to contact an actual human not an artificial intelligence system that has yet to fix the issue at hand. A generator can not fix an human error. I have asked countless of times for someone to fix or direct me to someone can assist with this unfortunate situation. 
I believe this system is XXXX  motivated due to the failed efforts & correction of this matter. 

I receive several letters from Transunion about the investigation that has yet to be solved. The letters does not confirm a solved problem. When I reached out to Consumer Finance the XXXX XXXX dispute was already cancelled, XXXX XXXX XXXX already notified them via email to reverse and immediately fix the problem. Transunion failed to do so. I received another letter stating the same thing just with a copy of my credit profile ( no credit score ) still hasnt been corrected or increased. I want to proceed with an attorney so that this system be removed or overviewed by an human/s so that accurate reporting is updated. 





The redundancy of options given are not applicable to my situation at because I have taken the necessary steps to ensure my credit score is increasing. I have reported several inaccuracies and Transunion has yet to make the necessary corrections to ensure they are fixed. The representatives mentioned my credit score is showing accuracies when I know for certain it isnt true. As mentioned, there is no reason for my credit score to continue decreasing at all. I want whats rightfully mine to reflect positivity so that I can move forward.

All my accounts are open, active, great payment history, no delinquencies, low usage.

Prior to this incident my credit score was a stagnant XXXX, the lenders/creditors system was reporting ( a artificial intelligence system ) instead of a human was reporting my credit balances, increases and usage. I want it fixed and if TransUnion doesnt fully look into this with an actual personnel I want to speak to an attorney at CFPB to ensure all of this is situated.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have contacted bank of america and XXXX  in regards to two account being listed on my credit report. the accounts are identity theft and I have submitted a valid police report with a ftc complaint as well. They will not remove the accounts from my report. I have sent four letters to XXXX  and have received the same response as the accounts have been updated or remains.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc. (CA)

I have requested debt validation of two accounts being collected by ARS NATIONAL SERVICES INC. After sending a certified letter requesting this debt collector to validate the debt, they did not respond with sufficient documentation or information to satisfy my request, as is my right under the Fair Credit Reporting Act ( FCRA ) and the California Rosenthal Fair Debt Collection Practices Act. 

Instead, I received a generic " Cardmember Agreement '' without my name, signature, or any other identifying information. ARS NATIONAL SERVICES INC. later sent me two aged account statements that are significantly lower than the balances being reported to the credit reporting agencies. I do not know who ARS NATIONAL SERVICES INC. is, and I do not recall entering a binding loan agreement with this entity.
Consumer complaint received 2022-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JAMES B. NUTTER & COMPANY (KS)

I have tried twice since XX/XX/XXXX to refinance my loan. The first time they indicated I need to be at my job 2 years before I can apply for refinance. In XX/XX/XXXX I had completed two years of employment. I was out of work for 4 weeks from mid XX/XX/XXXX to XX/XX/XXXX. First 2 weeks I was out due to XXXX with no short term XXXX offered with my employer. The last 2 weeks I was out due to XXXX. I totalled my car in XX/XX/XXXX, rolling the car in an ice storm. I suffered back injuries and minor cuts and bruises. I missed alot of work due to my back injury. My refinance was denied. I have completely drained my 401k, currently had a {$200.00} balance. I explained all of this to my mortgage company. Not once was I offered forbearance. I was in tears by the end of the call. As I am single and can not get help from anyone. 

I was fully vaccinated for XXXX in XXXX. I contracted XXXX a second time in XX/XX/XXXX. 

These last two months have been even more difficult as I am without a car, due to mechanical failure. I owe the IRS over $ XXXX and am trying to file bankruptcy. But I don't have the extra money for any of this. A personal tragedy, my granddaughter was stillborn two weeks ago. 

If my mortgage company would have offered a forbearance I would have been able to put some money back. I specifically asked if there were any programs available that could help me... I was not offered any of the available programs at the time. And of course at the beginning of the year my mortgage payment increased.
Consumer complaint received 2022-10-05
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
we've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the IdentityTheft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the IdentityTheft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX XXXX XXXX, XXXX XXXX Date Opened : XX/XX/2012 Balance : {$67.00}
Consumer complaint received 2021-06-03
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 have contacted all 3 bureaus- Transunion , XXXX  , XXXX  to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for XXXX  and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to XXXX  and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for Transition, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called XXXX same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!
Consumer complaint received 2021-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mountain Run Solutions, LLC (FL)

Your company Mountain Run Solutions , LLC. is inaccurately reporting on my credit file on all 3 bureaus, wish is a violations of the ( FCRA ). I have asked them several times to send me validation of the debt and they refuse to do so, which I the consumer have the rights to obtain all information that I ask for including, original contract with pen signature charges with interest, fees, dates of all pymts, dates of payments posted, posted by, please included the license provided at time of " service '' please verify letters that you've send and also its reporting joint which is invalid. I have had enough of dealing with this. It's causing distress to keep having to put time and effort into writing your company that is legally not responding to me per the ( FDCP ). Your company is a debt buyer and has multiple dozens of lawsuits of inaccurately reporting accounts and information. This will be my last and final warning of the errors on my credit report that you will be help liable for per each one of those violations. I have contacted all 3 credit bureau 's as well over the last year multiple times and you guys are not sending them any of the information neither along with reporting your incorrect balances. I demand that you remove these from all 3 of my credits reports immediately.
Consumer complaint received 2020-06-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (CA)

This incident happened on XX/XX/2020. It's about a fraudulent transaction on my debit card with XXXX  XXXX XXXX and a company where I remit to send money to the XXXX called " Remitly. '' On XX/XX/XXXX, I received a text alert from XXXX  XXXX XXXX that my debit card balance dropped to XXXX, so I immediately checked my online account which I always do once or more times everyday, and true enough there were 5 different transaction amounting to XXXX plus 2 more transactions amounting to {$640.00}. So, I immediately called XXXX  and told them to stop those transactions because I have not authorized them. I even requested to have my debit card changed which they did. They said they were not going to process the transactions which were still pending at that time. I also called the merchant who was able to stop only some of the payments, the last 2 transactions still undergoing when I called them amounting to {$640.00} each. At that time, they said they were going to refund me whatever amount got posted. Also informed them that I talked to my bank already. So, I just waited for some time since they said it was going to take about 5-7 business days to process my refund. However, because it was my debit card that had fraudulent transctions, my overdraft protection kicked in and paid my debit card totalling to {$6800.00}. I was hopeful that I would get refund from either my bank or the merchant, so just waited patiently. I didn't call again until around XX/XX/XXXX but they said just to wait for the investigation. I had a hard time calling for Remitly especially around the lock down period, had to wait hours on the phone and called them several days before I spoke to someone finally on XX/XX/XXXX. Remitly told me they were able to stop just the last 2 payments but they won't pay for the 5 transactions that already went through because they said my bank should have been able to stop it. So, I was frustrated with their answer and re-submitted additional documents to XXXX. XXXX took it as a new claim and re-processed it, followed it several times through phone, until after about 6 weeks, they determined they were not paying for it. So, I re-submitted a new claim on XX/XX/XXXX, re-adjusting the amount from {$6800.00} to {$4900.00}. Today, XX/XX/XXXX, I received a sad news that they are not paying for the claim again. That's why, I thought of writing to you again. This incident truly gave me a lot of stress. I have been with XXXX  for over 15 years but never had this experience. I am not sure how my account got hacked and money was sent to someone in the XXXX I don't know. I don't know who to keep pushing remitly vs my bank. Thought I did what a prudent person would do to stop the transaction, calling and alerting my bank right away but it still the transaction went through. So, I need your help please investigating this. It's a huge amount of money especially during this pandemic. Hope you can give me a light on this. Truly appreciate your help!
Consumer complaint received 2022-10-05
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. (MI)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (MS)

On XX/XX/22 my account was hacked received a text called the bank filed a claim the bank then stated XX/XX/22 I cancelled the fraud claim and there was an investigation being done called the bank back employee stated they found my funds and should have my account back to normal in 48 hrs called the bank back now they are saying it can take 6-8 weeks my work checks are still being deposited my bills are getting behind and are being cut off I need help I have an account with navy federal credit union
Consumer complaint received 2020-01-03
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: PNC Bank N.A. (CA)

So I was put under as an authorized user on a credit card so I can build a relationship with. I applied for credit service to help boost the overall score. After doing so the account was closed and dropped my score down, but now it says on XXXX XXXX that the '' authorized user '' is responsible for the account. That was not part of the deal, that original user of the card used {$11000.00} out of the {$15000.00} and left it without making any futher payments. It is going for 3 months since they have made a payment. I have tired to to get in contact and no one wants to answer me. The account was under PNC Credit and again they have not tired to help me out with this problem.
Consumer complaint received 2023-08-08
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: Rocky Mountain Capital Management (NC)

XXXX XXXX XXXX XXXX is a XXXX  XXXX XXXX XXXX XXXX XX/XX/2020. The company 's File Number is listed as XXXX. 

The Registered Agent on file for this company is XXXX XXXX XXXX XXXX and is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX. 


This is the company the debt was sold to however they can not be reached whatsoever and XXXX and XXXX  continue to report the same information month after month and update the account. I dont know how they are able to get in contact but i can not.
Consumer complaint received 2020-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX. I was shopping on the XXXX XXXX   and ran into a couple pair of shoes. I was interested in them so I contacted the seller. He requested me to send him the payment of XXXX through XXXX. So I did. After I paid him. Hours later he sent me a receipt showing proof that he shipped the pair of shoes out to me. I thought it was pretty legit so I purchased more shoes and sent him 2 more transactions for 2 pairs of shoes. One of XXXX from my savings account. And another of XXXX on XX/XX/XXXX. The first pair of shoes were expected to arrive Friday, XX/XX/XXXX. And the other two were expected to arrive on Saturday, XX/XX/XXXX. It is now XX/XX/XXXX and I have not received anything. I tried and tried contacting him but no response from him at all. I contacted my bank. Bank of America and they told me that since I sent the seller or should I scammer money through XXXX. And that it is a third party, BofA can not and will not be able to dispute the multiple transactions. Which I think and believe is very unfair. I just lost XXXX!