davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dates go from XX/XX/XXXX XXXX  through XX/XX/ Amount : {$1500.00} Action taken by company : No action was taken by company I am writing in response to a credit report that I recently received, which suggests that I owe some amount. However, I have not received any documentation or proof substantiating these claims. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards, therefore the data in my credit report can not be accurate and complete. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.
Consumer complaint received 2021-01-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart (MO)

The account reporting in my report is result of fraud and I'm just getting aware on how to clear my credit ... the knowledge was not there on my end ... now I'm asking for the company to show the burden of proof and prove that this is not fraud I have even wrote goodwill letters before I tried online with the main reporter 's of my credit which was not look at nor handled right
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The Bank of America which uses Visa and MasterCard was affected by the publicised XXXX Data breach which only affected Visa and MasterCard. There was a transaction that I disputed for {$530.00} that was not authorised. It is my understanding that this transaction was included in this XXXX data breach and my information may have been compromised during this data breach. To date employee that I spoke with at the Bank of America by the name of XXXX was not aware of the data breach and that Bank of America executives are not discussing the affects of this data breach. I have requested for bank to look into this matter.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (MA)

Hello- There's a closed XXXX XXXX account from XX/XX/2019 that's showing up on my credit report as a charge-off/derogatory entry. This is 100 % inaccurate. This account is only being reporting in such light from Experian- The other two bureaus are reporting the same account accurately. I have long good standing history with XXXX and continue to be a loyal customer. I'm attaching a copy of my credit report showing XXXX and XXXX reporting " Paid as agreed '' whilst Experian is showing " Charge Off/Derog ''. 


I thank you much in advance!
Consumer complaint received 2021-01-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I owe a fiance company XXXX I paid what I owe left on the loan which was XXXX after garnishment they still havent recieved the money from my employer so they r still within money from my check every week I have to get this issue resolved by contact my employer and cant seem to get the issue fixed because they havent sent the money to the garnisher I have created a case with them on XX/XX/2021 and still has yet to be done about and it's still coming out of my pay check every week which is on Friday and it came out again on XX/XX/2021 that was the first time they took the money since I went and payed them the rest of what I owe them on which I paid it off XX/XX/2021 XX/XX/2021
Consumer complaint received 2021-01-12
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 filed a complaint to Equifax on inquiries on my credit report I have ask Equifax to remove these inquiries they have fail t do it, these inquiries are fraud and I want them removed off my credit there is over 20 inquiries on my credit report, I do not appreciate filing complaints and Equifax not taking me serious .so correct this by taking these credit inquiries of my credit report I have FTC identity theft report and sent it Equifax t correct this situation, now please remove, and do not put no fraud alert on my credit report, I want this resolved or I will keep filing complaints until this is removed and resolved
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

Complaint against Truist Bank XXXX XXXX XXXX XXXXXXXX ) specifically handling of XXXX transactions XXXX New Account opened around XXXX as not happy with my previous bank " XXXX '' which charged me {$25.00} service fee despite long term relationship and approx {$8000.00} direct deposits through my salary -Deposited on XXXX check for {$2100.00} with Truist which was on hold for 7 business days ( understood as it is a new account ) supposed to expire on XXXX - Scheduled XXXX payment on XXXX towards rent payment ( to be paid on XXXX - date expected hold to be released ) - Bank debited my account on XXXX but XXXX payment not sent.

- after continuous follow up, they complained about having XXXX XXXXssues and was informed by recipient that payment was received thru ACH on XXXX - processed two more XXXX payments for {$200.00} and {$300.00} on XXXX ( supposed to be immediate ) -- > amount debited to my account but payments processed only after 30 hours, late XXXX after several calls with Bank Reps - scheduled another recurring XXXX  payment on XXXX for {$220.00} to be processed every two weeks. Amount debited immediately but payment received by Recipient only on XXXX - Presuming the above issues were due to new account, scheduled another {$800.00} on XXXX to same beneficiary ( already set up for recurring payment thru XXXX for {$220.00} ). A message " payment under review '' was triggered, though this recipient already set up and processed.. 
- till XXXX around XXXX, recipient did not received {$800.00}. 
- called the bank and they said, payment was cancelled by the sender ( that is myself ) which is absolutely " false '' ... today morning, i received an email from bank that transaction cancelled by the sender I requested to speak to the supervisor, who i was told, was busy..throughout last week, i requested to speak to the supervisor, but never got to speak to anyone yet. 

I believe, my account is not being handled well or the bank is having issues with XXXX and the customers are not informed. Due to their problem, the customers are having issues. 

As a result, my funds are being misused, as the amount gets debited, being used for two days and then gets credited Also, I am worried, that the bank states that the last XXXX transaction was cancelled by me- WHICH IS FALSE. I did not cancel the XXXX transaction and i want the bank to give me copies of all activity. 

I come from the XXXX XXXX XXXX XXXX  ) and I know, the systems have a way of recording all activities. 

I would like you to take this seriously as other customers may be having issues with this bank but not able to communicate effectively nor do they have the time and just bear it up I can be reached via email or phone at XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (GA)

The procollect has been disputed the mortgage debt multiple times even after I have contacted them and provided all the details regarding the identify theft and Im not involved in it. I also contacted the primary source company XXXX XXXX XXXX  and gathered the details : they also informed that they have no records under my name :
Consumer complaint received 2021-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent Transunion a disputeXX/XX/20, and they received it XX/XX/20, it has been 46 days I have yet to hear anything back from them.
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX my debit card didn't work, and I tried logging into my bank of america account and I was locked out. I started the horrible process of going through different departments and learning there were two XXXX fraudulent transactions, a fraudulent account added, and a counterfeit check put into the account that didn't clear for the criminal. B of A supervisor told me they were closing my account, that they would flag me to consumer XXXX XXXX that would prevent from getting an account for 5 to 7 years, and that I cant bank with them anymore it was their final decision. They treated me like a criminal, put me through distress, and left me not knowing what to do or how to proceed, how to pay my bills. I have filed a police report, and federal trade commission report. I have called consumer XXXX XXXX and have learned they have not flagged me as of yet. Bank of america has sent me letters telling me my accounts are closed and overdrawn, and also a digital claim resolution saying that my funds for one of my claims are available, as well as the fraudulent check that has a name and address. They are admitting no fault or helping me on what to do. This has been a horrible experience, bank of america should be punished for their treatment.
Consumer complaint received 2021-01-12
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: CITIZENS FINANCIAL GROUP, INC. (NC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX  - XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, CITIZENS BANK add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-12
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. (PA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: OneMain Finance Corporation (ND)

I have tried contacting this company several times telling them if they can not prove that I owe this debt they need to delete it I also I have contacted all three credit bureaus in writing 2 out of the 3 send me an email stating they can not remove it. this is a violation of the Fair Credit Reporting Act 604 meaning if they can not prove that I owe it I do NOT owe. I also have bank accounts on my credit report I did not open they are not mine they have never been mine there is also an address on my credit report I've never lived at it is not mine I believe someone is using my social security number to open up bank accounts and addresses in my name or my social security number please contact me if you need further assistance or more information I give you permission to contact me thank you so much
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (PA)

On XX/XX/2021, I received a prepaid card in my name from Netspend XXXX, XXXX. Unlike other debit or credit offers, this card already has my name printed in the card with a full, real debit card number and expiration date. It also had a bank account and a routing number attached to my full name and address. This was not requested by me. The attached material states they have the right to use my personal information, including my social security number with their partners and non-affiliated institutions for marketing purposes. It also states that I am unable to stop sharing that. It specifically says when you are longer our customer, we continue to share your information as described in this notice. I never requested to BE a customer, but now they have the right to use my information however they want, forever, because I called to cancel and close this account that I never opened. I got a confirmation number from them regarding this, stating they have closed it. However, I still want to report this. They fraudulently added my personal information to an account, unauthorized and unrequested by me. Had someone else gotten this card in their mailbox by accident, they could easily activate the card and use it fraudulently, potentially implicating me in some kind of crime or scandal in the process. This is NOT okay.
Consumer complaint received 2020-09-28
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)

XXXX  and Experian are fraudulent on my accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I reached out to Experian XX/XX/16 to update my personal information and delete old and outdated information that was reporting on my consumer report a couple addresses and jobs XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX They only detected the job so could you tell me why was the job deleted but not the out dated addresses I would love to here the excuse better yet no I wouldnt As a Consumer, I have certain rights and my right to privacy has been violated. I did not give them or anyone else Permissble Propose by law to report, sell or furnish any of my private information to any third-party reporting agencies. My rights have been violated according to XXXX law 15 USC 1681b ( 2 ) this is identity theft better yet Aggravated identity-theft I would love for you to step in and hold them to the law Delete this inaccurate reported information never to return again
Consumer complaint received 2021-01-12
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: Waypoint Resource Group, LLC (TX)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/2022 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Consumer complaint received 2023-03-06
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. (MI)

Someone other than me tried to open a store credit card in my name through XXXX, XXXX XXXX, XXXX and XXXX. I believe only the XXXX XXXX charge was accepted, and that card was used for over 700 dollars. The other cards were rejected but I have hard inquires on my credit report that were not started by me, and are fraudulent, and I would like removed. XXXX and TransUnion require me to report these fraudulent inquires before I dispute them with them. 

I have spoke with XXXX XXXX and their fraud department is handling that account. I will call XXXX XXXX, XXXX, and XXXX tomorrow to alert them to this fraud as well. 

I am taking action to freeze my credit reports with all three to avoid this fraud in the future.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My mortgage was originally one loan with XX/XX/XXXX back in XXXX - they sold the mortgage after we had 28 % percent damage from hurricane sandy. 

After that we had surmounted a huge mortgage ( XXXX ) and it became unbearable and we had tried and tired to get a loan modification - on XX/XX/XXXX we finally got approved for a loan modification only to find out as of XX/XX/XXXX, apparently we had a second lien holder where we thought we had just gotten a modification. 

We both were effected by covid and was happy to have receive a forbearance during the covid time and now the mortgage company SLS Sold off a second mortgage to XXXX company and apparently we now owe that company too. 

We need help and I am trying to work all of this out and I am finding myself in a bait and switch situation with SLS & Previously with XXXX XXXX There appears to be some shady business practices and I am not a savvy guy on mortgages and I find myself in a pickle and I dont like they way these companies are handling there business. 

We have only been trying to straighten out our lives and now its even more confusing and I feel these companies are taking advantage of our situation and not helping the common American. 

what is the consumer to do when we are held in trouble and trying to make ends meet only to find out that I dont have the money to fight all of this craziness in court ... .they hold all the cards and meanwhile my credit gets ruined and causing stress as well as causing a XXXX attach back in XXXX from all of the stressors from Hurricane Sandy and loss of work. 
Where do I go ... ... ..These companies are taking advantage and ruining the little guy, while they laugh all the way to the bank ... ..Now I am sure you will not investigate this to the detail to see all nuances that have taken place. The government allowed us to take a forbearance due to covid and now the mortgage companies are pouncing on the consumer which is going to cause a mass foreclosure rate - this is not just a me problem this is going to be an us problem ... unless these companies work out a plan a fair plan ... ... ... There is some sort of dirty dealing here ... 

Please help me