davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
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. (FL)

ABUSE OF POWER. FORCED LIFETIME MEMBERSHIP. Where credit cards opened & payments made using members Undeletable Profile.  XXXX. PROVIDES NO DELETE POLICY. See attatched Equifax Credit Report XXXX Account ( XXXX XXXX ) opened XX/XX/XXXX date closed XX/XX/XXXX IS ALL INCORRECT. See attatched XXXX Account ( XXXX XXXX ) DEBT DISCHARGED CANCELLATION DEBT XXXX.WHY DID ACCOUNT NUMBERS CHANGE? ALL DATES INCORRECT? THESE ARE THE SAME ACCOUNTS WITH ( XXXX ) BEGINNING & ( XXXX )?? OR IS IT see attatched XXXX XXXX statement XX/XX/XXXX with {$100.00}?? DELIQUENT. beginning ( XXXX ) See attatched XXXX XX/XX/XXXX CREDIT CARD ( XXXX )?? ACCOUNTS KEEP CHANGING NUMBERS?? end XXXX DID NOT SETTLE UNTIL XX/XX/XXXX.?? Kindly Note Equifax Credit Report has XXXX Account ( XXXX )?? DELIQUENT ALSO.see attatched CREDIT CARD FRAUD CLAIM OF XX/XX/XXXX UNAUTHIRIZED TRANSACTIONS {$470.00} XXXX ending XXXX. XXXX OPENED A XXXX XXXX I DID NOT AUTHORIZE. A MC XXXX I DID NOT AUTHORIZE. XXXX USED MY PRIVATE PROFILE DATA TO OPEN THESE TWO ACCOUNTS & POST A PAYMENT XX/XX/XXXX I DID NOT AUTHORIZE USING MY PRIVATE PROFILE DATA. XXXX REFUSES TO DELETE MY PROFILE CLAIMING I AM A LIFETIME MEMBER. HOW CAN THEY HOLD MY PRIVATE DATA AGAINST MY WILL TIL DEATH DO US PART? ( *ABUSE OF POWER. * )
Consumer complaint received 2020-10-06
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CARRINGTON MORTGAGE SERVICES, LLC (IA)

My husband and I have a mortgage through Carrington MortgageLLC company it hasn't been reported on our credit reports since XXXX of XXXX They took it over XXXX XXXX I believe we were hacked and this isn't a reputable company. I put their wrong adress down not sure how to fix it it is Attention Carrington Mortgage DepartmentXXXX  XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX CA XXXX phone number is XXXX I spoke to a lady that said they didn't get our bankruptcy discharge which is Bull because we didn't file until XXXX discharged in XXXX and we have had 3 different lenders in 16 years almost 17 bought house XX/XX/XXXX XXXX
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My husbands Capital One card had fradulent charges. Called Capital One and they advised that he get a new card. Then a month goes by and he receives an email that the account is past due. We called Capital One and they said that the account was put on paperless billing, we did not agree to that. So frustrated I told them to send us the rewards credit of about {$300.00}. They said they could not because we owed {$200.00} and they would not apply. I paid the {$200.00} and now they told me I was not allowed to have the rewards credit. I closed the account. Can you help get the {$300.00}? We have been a customer for nearly 20 years.
Consumer complaint received 2020-06-18
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. (GA)

I am writing this due to non-compliance with the CRA ( Transunion ). I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. They are not following E-Oscar and Metro 2 compliance protocols that the FCRA has in place and violating the FCRA. I believe that they are being in non-compliance with the federal law. The company came back and said that the accounts are accurate but have not produced any documents. There is no way that these tradelines is reporting accurately. I wrote them on XX/XX/2020, along with a copy of my credit report outlining the inaccurate information and they responded on XX/XX/2020. I do not believe that they did a proper investigation in this matter.
Consumer complaint received 2022-11-06
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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXX, 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 purpose.
Consumer complaint received 2020-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

I have received 2 charges from Insight Capital that I did not authorize. Today I received a notification again that they attempted to withdraw money from my account ( without prior authorization ) but luckily my account is overdrawn so they weren't able to. However, every 2 weeks, during my payday they withdraw money from account without consent.
Consumer complaint received 2022-10-31
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. (AL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX XXXX XXXX - Account Number : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a bank locker at the Bank of America location on XXXX XXXX XXXX, XXXX, CA XXXX. 
I need to access the locker to get the pink slip to sell my car. 
But they have closed the branch and when I called the central phone number for Bank of America ( it took me 500 options, and 20 minutes to reach a human being ), they were not able to tell me when the branch would open and how to get access to my locker. 

Banks like meat plants should be essential businesses and have a way for customers to access their bank lockers. 

Please help. 

Thanks. 
Regards, XXXX XXXX ( XXXX XXXX XXXX
Consumer complaint received 2020-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bank with Bank of America foe receiving royalties via EFTs depositing to my account from XXXX XXXX XXXX XXXX, XXXX and XXXX. Its all one long named elusive situation that needs to allow the author the ability to see transaction, Instead the author has to check a royalty page that is not good ledger record keeping of transactions, even the failed. There is no record of EFTs that have deposited and been returned, there is no record of XXXX payments deposited or returned. There is no record of XXXXXXXX XXXX XXXXXXXX deposits or returns of ETF or any other parties that may have associated royalty transaction records. And get this the author is paying for all these transactions with no itemized record of EFT transactions from his royalties or from the bank, unless possibly requested. Seriously CFPB needs to get publishers and bank to give the lowly author an account of transactions being priced with fees that no one can produce on an itemized regular basis. The author could be charged and no one never brought it to their attention. As a matter of fact the author could be charged by the Publisher and the bank. Transaction as well as payments should be accounted for to track fees and payments for both big entities siphoning money from authors. there may even be tax implications hidden in unrecognized fees and hidden to writers, some not well versed, such as self publishing ones. Transaction accountability of at least how many should be reveled in the record of publishers royalty statement as well as payments, if not what was returned monies/royalties without the author ever knowing. Banks could make agreed millions from royalty transaction fees paid by authors that never received a dime. 

So I would like an account of all transactions and fees from and to XXXX XXXX XXXX XXXX - XXXX XXXX : - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 
XXXX, IN XXXX - And XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and others including Distributors. Also, I would ask the publisher/distributer please give an indication of who they are as specifically as possible involving EFTs because often the parties use general terms and code that the author/writer/consumer reading their statement can not identify the royalty related companies name for transaction. This is a wild out of control set of records concerning money and transactions should be the main record as well as payments received, returned, voided and failed EFTs. Someone could be robing writers for years. I need the EFT records of transactions and fees of these XXXX to XXXX if possible. I want these factors noticed because there are too many possibilities consumers could be getting ripped off by publishers and distributers for years.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have not been able to get my credit report i have attached a copy of 2 bills a credit card statement and a Bank Statement. and copy of my ID
Consumer complaint received 2020-06-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ROBINHOOD MARKETS INC. (CA)

I noticed fraudulent charges in my trade account with Robinhood, and i contacted them immediately. 

Someone had gotten access to my account, sold all of my stocks, and transferred all the funds out. 

I first notified Robinhood of this on XX/XX/XXXX via email. They have no number for me to call. 

Aside from asking what transactions were fraudlent and for me to proivde ID they have no responded to me since. I've continued to email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but have no received any response other than an automated responses on XX/XX/XXXX saying thanking me for providing the information ( which was provided on XX/XX/XXXX ). 

I contacted their XXXX  account on XX/XX/XXXX as well asking for a number to call, but have been told they do not have any help line and that they would escalate my case.
Consumer complaint received 2020-06-14
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. (NY)

I have listed on my credit report XXXXwo accounts from XXXX XXXX. One of them was stetted in full with their authorized collection agency XXXX who stated that they inform XXXX but the account is still being reported incorrectly. XXXX is unable to find the second account, i was told that by their collection department since XXXX and that account is still being reported on the credit report even tough they are unable to find it so that I can resolve this matter. I also have been calling them since XXXX and wrote to them without success
Consumer complaint received 2020-06-18
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. (MD)

After checking my credit I realized that my score constantly going down I have nothing outstanding I tried to pay down all my credit cards very low balance.XX/XX/XXXX XXXX XXXX I called Equifax to discuss my credit. Agent XXXX with id number he quoted to me XXXX came on the phone asked me how can I help me I told him I am calling to verify some things on my report. Before he verify my information he asked me where I got my score from I told him I am a victim of identity thief and as a result I do get a report monthly. he started chastising me that I need to get a financial adviser to discuss my credit. I explained to him I don't need one what I need is some explanation of my credit. And how can you just start advising me even before you verify the authentication of who I am. He got very mad start asking me some very personal question, that I have never being asked as a customer who is an identity thief victim. One question was I asked was named all the loans I ever had, Where I worked, company name, and what I do, how many bank loans I ever have or had, I answer questions to the best of my ability, he then remarked to me you have not answered my questions correctly I can not assist you. I asked to speak to a supervisor, he then put me on hold then came back saying I am the supervisor and he can not verify who I am so he cant help me. When things are reflecting my credit. which I need clarification about.
Consumer complaint received 2020-08-12
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Social Finance, Inc. (TX)

I currently have a debt owed to Sofi Lending {$100000.00}. This company calls several times throughout the day and spoofs their phone number to look like a local number with my area code. The number that shows up on my caller ID is XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but voicemails left ask me to call back on XXXX XXXX XXXX XXXX. 

Spoofing is against the Fair Debt Collections Act, as they are impersonating themselves to look like a local number in hopes that I will pick up and once they get ahold of me they can try to collect the debt owed. 

I will not pay debt that is trying to be illegally collected from me. I am not disputing the debt, I just simply will not pay a company that uses illegal tactics and multiple phone calls in a single given day to try and get ahold of me. 

I have call logs to show all the XXXX numbers they look to call from and then have voicemails that they leave stating to call the back at XXXX numbers, if this evidence is needed for this complaint.
Consumer complaint received 2020-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

We took out a mortgage approximately 12 years ago under XXXX, which offered lower interest and payments. The mortgage has been sold/transferred several times and each time we were not properly notified, causing us to make payment to company we thought was still handling our mortgage. That in turn required us to track down the payment and assure it went to new mortgage service company. During one of these transfers made by XXXX. an error occurred. XXXX had not previously credit us with a payment, resulting in showing a missed/delinquent payment to our current mortgage service, Shellpoint. After many frustrating calls and conversations with various Shellpoint representatives, we were able to figure out what happened and we made arrangements to rectify XXXX 's error. That arrangement was to pay the shortfall over a 3 month period along with our regular mortgage payment. That has now been completed and we expected to go back to our regular monthly payment. However, Shellpoint has come up with some other charges we're not clear about. We can not seem to make contact with anyone at Shellpoint, who can explain this. Dealing with this company is very frustrating as they don't seem to have interdepartment communication. In addition, because of this, they have given us a negative credit report, even though we have never missed a payment. I hope you can help us get away this company and find another easier to work with.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services reported a fraud account in the amount of {$1800.00} from XXXX to my credit reports on XX/XX/2022. I have asked this company via certified mail and disputed the credit bureaus to send the original application, that shows the signature, date signed, address and account number. Credit Collection Services has failed to respond to any validation and dispute.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Credit Reporting Act XXXX  Account last four numbers XXXX reported by XXXX XXXXXXXX XXXX reported for the months of XXXX & XX/XX/XXXX and XX/XX/XXXX has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy.

15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-08-12
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)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from identity XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX  XXXX {$540.00} XXXX   XXXX {$500.00} XXXX XXXX XXXXXXXX {$900.00} XXXX   XXXX {$490.00} XXXX  XXXX {$150.00}
Consumer complaint received 2020-06-18
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. (HI)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$110.00}. 
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 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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- REAL ESTATE LOAN 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

It has come to my attention that my personal information such as my name, address, phone number, and other sensitive information regarding alleged debt, accounts, etc are being used by several companies without my written consent or approval. One of those companies is Equifax. I have requested that Equifax stop the slander and misinformation of reporting negative Consumer transactions about the Estate of XXXX XXXX. I request the Equifax provide a signed contract agreement between XXXX XXXX XXXX Equifax which authorizes them to use the name XXXX XXXX in association with any alleged debt or consumer transaction.
Consumer complaint received 2020-08-12
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)

DECIDE TO MAKE A BIG MOVE AND BUY MY FIRST HOME. I KNEW I WANTED TO GO INTO A FIRST HOME OWNERS PROGRAM, DUE TO THEM BEING ABLE TO HELP YOU FINANCIALLY. AS I WAS SITTING WITH MY MENTOR SHE SAID MY CREDIT NEEDED TO BE PULLED. I KNEW I HAD A GOOD CREDIT SCORE SO I WAS NOT WORRIED ABOUT THAT BEING THE FIRST STEOP. OUT OF SURPRISE A BIG LIST OF ACCOUNTS I HAVE NEVER SEEN OR HEARD OF IN MY LIFE SHOWED UP. THOSE FRAUDULENT ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE THINGS FROM MY REPORT XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$98.00} XXXX XXXX