davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
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. (GA)

The followings credit accounts were placed on my credit report due to fraud as I was XXXX across seas in XXXX with the United States XXXX. The following credit accounts that have been placed on my consumer credit file is XXXX XXXX Opened XX/XX/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 XX/XX/XXXX, Please remove the following accounts immediately as it effecting my credit and living situation as these accounts relate to fraud.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020 I applied for a forbearance. On XX/XX/2020 the account was 30 days past due. On XX/XX/2020 XXXX XXXX XXXX reported my account as 30 days past due with a delinquent amount due. On XX/XX/2020 the lender XXXX finally approved the forbearance.. XXXX XXXX refuses to fix my report even though the forbearance was approved. Its not my fault it took the lender so long to process the forbearance.
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I had tried to go to make a withdrawal at Wells Fargo XXXX XXXX XXXX, FL XXXX using a drive through service for some cashes. I gave them my debit card and driver license but since I was having a mask on due to the Coronavirus situation I was denied or else I needed to take off my mask! This is not right in a situation like this to think wearing a mask is a fraud transaction. If I caught the virus by the bank asking me to take it off will the bank hold a responsibility for me getting infected! I have told them I am a XXXX  and still I got a reply that wearing a mask meaning you are sicked! I am way more literate in terms of the medical issue and it is not right for the bank not giving me my money regardless I am sicked or not! It doesnt make sense! Who could steal all form of ID cards first of all? I have told them there are other forms of identity that you can verify! By what the bank is doing is not protecting me but trying to avoid its customers to make any withdrawals! I first had a withdrawal slip that I wrote prior to coming to the bank. The service manager named XXXX XXXX XXXX said I needed to write another withdrawal slip in front of him so I asked him to give back the first one! He  replied no. How could I be sure that he wont cash it and put it in to his account. I dont understand the policy he insisted that he would shred it! I denied that he either returned it or I had to cross it out and he kept it! This is unfair business practice and also unfair to discriminate not providing a service for customers wearing a mask during the panepidemic crisis! The banks need to be updated its policy to fit the global situation.
Consumer complaint received 2020-03-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, AND XX/XX/XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATVE PROCESS AS XXXX  AND XXXX HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE. 

SHEETS FROM XXXX  REPORTS FROM XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. THE SHEETS SHOWING THE DELETIONS PROCEED EACH OF THE INITIAL PAGE OF EACH DATED REPORT.
Consumer complaint received 2020-03-19
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: DISCOVER BANK (CA)

I am disputing Discover Card charge off reported by Discover Bank on my XXXX credit report. This relates to Discover Card with the account number XXXX ( opened in XX/XX/2015 ). My research has revealed that wheover applied for this account used XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX, CALIFORNIA XXXX address. I am attaching my driver 's license as well as utility bill. I reside at XXXX XXXX XXXX XXXX, California. I have no association with the XXXX XXXX XXXX XXXX address. Further, I never applied for the Discover card in dispute here. This account was opened in XX/XX/2015. The identity thieves ran up a significant debt and stopped making payments after using the card for 3 months. 

I never applied for this Discover card account. I have disputed this tradeline with XXXX  and by extension Discover. Each time, Discover has taken the position that the account was verified as belonging to me. Discover and XXXX  as inaccurately reporting my credit history.
Consumer complaint received 2020-03-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (NC)

My fixed rate loan is set up in monthly installments. The money paid in keeps going in higher proportions to interest instead of principal. I call them and they never return calls. This has been going on for awhile. Something is wrong.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (TX)

These jokers ignored multiple requests from us to get a copy of whatever it was that they sent to XXXX XXXX  which caused XXXX XXXX  to deny us a credit extension request.
Consumer complaint received 2020-03-19
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. (CA)

I HAVE SENT THE FOLLOWING DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (PA)

I signed up with Experian Boost a year or so ago. I have no upgraded account, its all supposed to be free. I never gave my debit card info but I had a bank account linked. Ive been charged {$21.00} for months now by XXXX. I noticed it late because I thought it was a different bill. Theres no option to look at what Im being charged, to cancel it, or to delete my account. If you call the customer service number they wont let you talk to a person and they put you on hold for hours. When I finally got ahold of someone, I was told it was for offline services and I needed online services and given a different number. The other number is impossible to get ahold of someone. I was charged a {$1.00} on XX/XX/19 and then charged {$21.00} on XX/XX/19. Ive never used XXXX XXXX. Theyve charged me {$21.00} every month since then. Always on the XXXX or XXXX. So theyve taken almost 300 dollars from me that I didnt approve of at all. I dont even know how they got my card number. Id like my Experian account deleted. I want it gone. I wont be using it anymore. Its supposed to be free and the boosts wont even work anymore, Im assuming since I refused to upgrade my account. I plan on shutting my card off and getting a new one and filing fraudulent charges for what I can, but I should be reimbursed the money that they took. I was never using XXXX XXXX services and I couldnt even use the Experian services I was offered.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I recently pulled my consumer report from Experian, XXXX, XXXX. When I noticed some unauthorized inquiries on my credit report. these inquiries and charge off accounts are causing a lot of stress in my life, which is resulting in a financial crisis. 

Some unauthorized inquires and accounts which are a result of identity theft. These accounts are also violating my rights as a consumer under the Fair Credit Act and Fair Debt Collection Act. I did not consent for the creditors or credit bureaus to report these accounts to my credit profile. This is Defamation of Character PLEASE DELETE AND REMOVE THE FOLLOWING ACCOUNTS LISTED : XXXX XXXX XXXX, 2023, XXXX XXXX, 2023
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have several complaints with all 3 public and 7 private ID companies. Failing to remove errorneous information. reselling information, the existance of sub CRAs- which is unlawful circumvention of federal law ( FCRA ) ... refusing to remove erroneous info- illegally using eOscar ( a known gimmick ) to " verify '' debts which were robosigned by companies to begin with. harassment and robo calling about debts. Nothing is ever verified, no status or system or means of challenging this is even given to the consumer..consumer is ruined on reaged debts that the bureaus have made contact on. Creditors do not get the message that the consumer did NOT contact them in any way. This is a XXXX XXXX extoriton scam. My debts are not owed by me, were challenged years ago. I continue to be extorted and denied credit and a place of residence due to this. FEDERAL INTERVENTION IS NEEDED. NON COMPLIANT. 

contacting creditors and posting incorrect purchase dates on debts bought. 
refusing to comply with several complaints filed over the past 4 years on these matters, then barring future complaints- when the original complaint was never resolved. 

Dates on debt purchase are not accurate- happened months previous, paid pennies on the dollar but demads 3x the actual debt owed. I have the right not to be extorted for refusing to pay such debt extortion. If the debt was resold for 3c, I dont owe 1.5 dollars on it. Any lawyer will tell you this. XXXX XXXX has been contacted previously to this connunication.
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On Friday XX/XX/XXXX, I deposited a business check into my business account for XXXX. They placed a hold on the check due to the large amount. They said XXXX would be available on Monday XX/XX/XXXX, and the remainder on the XXXX. I called on the XXXX and customer service told me they were holding the check until the XXXX, and all funds would be released at that time. I argued and argued with them. I had it in writing ( my receipt from the deposit, email notification and online banking ) about the amounts and specifics of the check being released. Customer service kept saying there was nothing they could do, I was given wrong information and to wait until the XXXX. I discovered the banker deposited my business check into personal account. This has happened now 2 times and costs me thousands of dollars and there's nothing Bank of America is willing to do about it. I'm a small business and this has severely hurt me. I have outstanding banking history. I don't have overdrafts or issues other then Bank of America 's incorrect handling of my funds. Upon uploading documents I found a letter stating " due to check errors the check won't be available until the XXXX! ''
Consumer complaint received 2023-02-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

XX/XX/2023 my Sister XXXX XXXX sent me some money totalling about {$13000.00} from her XXXX with refrence number of XXXX I got to my bank and the money was not reflecting and my bank said they wants to close my account Please help me tell my Bank of America to tell me where the moneh is Because I am confused and lost
Consumer complaint received 2020-03-19
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX  XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

It is a strange threat they made, vaguely that they would attack my account "... .Ending in XXXX. '' It sounds more like a marketing ploy, but they threaten to " Block '' my access to my account if they can't extort the new information they want. This is part of an increasing problem with Citibank engaging in coercive information phishing. They have previously demanded information on NONCitibank accounts and closed a credit card account refusing to make a refund for my overpayment. ( CFBP worked that out for me, thank you. ) Now they're at it again. 

This account includes an unwanted checking account which they opened themselves, XXXX XXXX style, against my wishes and threatened to close the account I did want if they didn't get to keep it. I will now close that XXXX XXXX style account in as big a confrontation required to for them to crawl back under their rock.
Consumer complaint received 2023-01-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Patenaude & Felix A Professional Corporation (WA)

We are suing Patenaude & Felix, APC and their employee XXXX XXXX. We believe that you should know that the debt collector filed a lawsuit in a jurisdiction we do not live, took legal action contrary to contract- took the case to district court and the contract does not allow such action - only arbitration or small claim, s court is permitted under the contract
Consumer complaint received 2020-03-19
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. (FL)

I HAVE CHECKED MY CREDIT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT ME HAVING ANY KNOWLEDGE OF THEM. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME.I HAVE TRIED MY BEST TO MAINTAIN A GOOD CREDIT AND IT IS SAD THAT I HAVE TO GO THROUGH THIS BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS. BECAUSE OF THIS MY CREDIT IS IN A VERY BAD STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-03-19
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. (FL)

I HAVE CHECKED MY CREDIT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT ME HAVING ANY KNOWLEDGE OF THEM. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME.I HAVE TRIED MY BEST TO MAINTAIN A GOOD CREDIT AND IT IS SAD THAT I HAVE TO GO THROUGH THIS BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS. BECAUSE OF THIS MY CREDIT IS IN A VERY BAD STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-12-03
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: EQUIFAX, INC. (GA)

I have many erroneous and unverified items on my credit reports with Equifax, XXXX, and XXXX. I have sent multiple letters asking for the items to be either verified or removed, and the items have not been verified, but have also not been removed.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I had a Car Loan with XXXX XXXX car financing. I never missed a payment and I recently paid the loan off after 5 years. A great accomplishment. Trans union Credit Bureau called it a closed account. As if it was a credit card and not a Car Loan and dropped my score drastically.I believe that they are quick to throw numbers around when people lives are determined by a decent Credit Score. I am ashamed of TRANS UNION and how flip they were in ruining my score when it was not a closed credit card but a Closed Auto Loan which should have boosted my credit score way up.
Consumer complaint received 2022-07-13
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. (CA)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, XXXX and TransUnion credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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 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 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 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 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My Federal Student Loans were discharged under President Trumps, XXXX XXXX XXXX XXXX XXXX, XXXX Veteran Loan Forgiveness Program on XX/XX/2019. Transunion and XXXX  are still reporting these accounts with an outstanding balance.
Consumer complaint received 2020-03-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelson Cruz & Associates LLC (IL)

this debt happened between XX/XX/XXXX-XX/XX/XXXX the loan was for {$300.00}. The IDPR stated that this company was not and is not licensed to do business in Illinois therefore I do not have to pay them because they are not licensed. Here it is XX/XX/XXXX and they have put this on my credit via a Collection named Nelson Cruz and Associates. I have never talked to nobody at this agency. How can they collect on a debt that is about if not 12 years old and report that as current debt. Nelson Cruz and Associates are in XXXX, TX XXXX XXXX XXXX XXXX, their phone XXXX. 

XXXX XXXX knew they could not collect on this debt because I am protected by the laws of the IDPR so  they sold the account under false pretense to Nelson Cruz and they have put this on my credit and it should not be.
Consumer complaint received 2020-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BBVA FINANCIAL CORPORATION (TX)

I received a credit card from BBVA XX/XX/XXXX, around 1.5 years ago my cc was stolen and used. I disputed with BBVA several times about fraudulent use but they said that there was none and that I needed to pay or they would report me to the credit bureaus I did what they asked for my credit is very good and they have all the leverage to ruin it. I requested BBVA to close the acct over 1 year ago. I had been paying the closed acct for over 1 year from the same checking acct when I decided to pay off in full in XX/XX/XXXX when BBVA employee took down the wrong checking information and payment did not go through due to BBVA employee mistake. They called me several days later saying that I gave them the wrong acct and routing number which was going to cause acct to show late on my credit report even though I paid it off in full and paid it for over 1.5 years from the same checking acct that I gave them every month to make payments. BBVA has caused me hardship for I have been denied credit when I have had good credit this one 30 day late reporting on my credit has hurt me unfairly please help me.