davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
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. (IL)

XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXXXXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Inquiry from US SM BUS ADMIN ODA
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the fair credit Reporting act Equifax, XXXX, XXXX and XXXX XXXX XXXX, Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 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 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.
Consumer complaint received 2020-09-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MT)

This is a reoccurance of a problem with Loan Care Account Servicing. They are servicing a contract for deed for a rental property for us and have now, for the second time, neglected to reconcile the year end accounting and pass on the incremental charges. They wait for years until the increases eat up the buffer and then want to try charge me a large sum all at once!. The problem is that these small yearly increments can be passed on to the renters, but a 3 year buildup can't be! This is exactly what happened before ... CFPB case # XXXX, which I have attached. Loan Care has been  consistently negligent in their duties of our contract and expect me to pay out of my pocket for their negligence!! 
In addition, at the close of the last complaint, I objected to the fact that they said they were going to do away with the buffer and that It looked like they were just taking the buffer away and adding it back into the account to look good. I never did receive a response from either the CFPB or Loan Care. 
I have attached the letter from Loan Care stating that I owe {$1300.00} ASAP and that my payment will be increasing by $ XXXX/month ( $ XXXX/year ). 
I have also attached County documents showing that my taxes went up {$94.00} last year and Insurance receipts showing that my insurance went up {$130.00}. 
That is a one year increase of {$230.00} and Loan Care wants me to pay them {$1300.00} AND increase my payments by {$500.00} per year!! They are grossly neglecting the only duty they are hired for and that is to reconcile and steward a loan. 
Have I tried to work it out with Loan Care? Yes. I started with a phone call on XX/XX/XXXX to XXXX who said he would have supervisor call me back, didn't happen. On XX/XX/XXXX, I called again, talked to XXXX and he said a supervisor would call me back. I eventually did talk to a supervisor who said she would talk it over with the office and would call back later in the week. She did and admitted they Neglected to reconcile the account and said all they could do was to try to pay the upcoming insurance payment and hope the increase in payments would catch up to the deficit. 
This NOT what we are paying them for!!
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have 2 complaints. Today I received an updated copy of my XXXX  and XXXX  credit reporting. XXXX XXXX XXXX XXXX had agreed XXXX to remove the delinquent information off my credit reports. It did delete off XXXX  however it is still reporting and updated on my XXXX  credit report. It is showing {$6600.00} charge off loan. The bank had agreed to remove it. My next issue is Bank of America is also still reporting. This account was opened in XXXX and I was told by legal counsel that after 7 years the statue of limitations is in effect. I was also advised it is from the date of first reporting which was XXXX we are in XXXX this information is outdated and should not be appearing. For some reason they ( bank of America ) keeps updating for other years which causes this fraud account to keep reappearing
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 — Account information incorrect
Company: EQUIFAX, INC. (OK)

I called XXXX, equifax, and XXXX to remove 27 inquiries that were put on my report, by law when you are looking to purchase a vehicle you have a 30 day window to shop without getting hit with a ton of inquiries, instead it shall only be one inquiry for that auto loan. I expressed that there were incorrect and missing information on my report and the agent simply refused to remove these inquiries or remove the incorrect, not updated accounts. The auto loan itself isnt even reporting to XXXX but does show up on my equifax report. 

I was a victim of identity theft in 2019 and I was part of a police investigation in XXXX  XXXX and the police did find the person but Ive been attempting to fix my credit since. 

There is also incorrect, not updated information on a bankruptcy on my report and its showing accounts and balances still owed that were included. I have mailed certified letters multiple times with no response. I have proof of the multiple contact attempts.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XXXX/XXXX/2020.
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc. (IL)

I made on charge on XX/XX/2020 for XXXX and somehow a charge was also placed on XX/XX/2020. My limit was XXXX now it is XXXX. They are charging me for something I never ordered. I have tried to talk to them and they refuse to even listen. They keep giving me the run around. This is fraud XXXX XXXX
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I had a negative Derogatory mark on my equafax credit saying I still owe this XXXX XXXX Opened XXXX XXXX 2014 {$89.00} Original creditor : XXXX XXXX XXXX Overview You 've paid off 0 % of your collection amount. 
Balance {$89.00} Highest Balance {$89.00} Opened XXXX XXXX 2014 ( 3 yrs, 1 mo ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX I jave paid this the have bee notified my XXXX XXXX XXXX but it still remains they have be rude and still refused to remove from my report They also say that a investigation will take at least 30 days but probably 90 days I feel tat they are being unreasonable
Consumer complaint received 2020-08-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation (VA)

On XX/XX/20 at XXXX I received a call from " unknown ''. I did not answer but listened to the voicemail that was left. What was weird was my voicemail showed the unknown as " XXXX ''. 

The guy stated the following word for word : This message is solely intended for ( my name here ). This is XXXX XXXX. Im an independent courier calling in regards to certified documents that have you listed as the receiving party. At this time I am scheduled to deliver you your documents and obtain your signature within the next 48 hours outside your home or your place of employment. If your signature is unobtainable your documents will be marked as direct refusal to comply and the process will proceed without you. If you have any further questions or you need to reschedule your service date, you or your attorney will need to contact our business office immediately ( this word was slowly emphasized ) at XXXX and you will need your reference number of XXXX. Thank you and have a good day ''. 

I called the number and a woman answered. 
Note : I knew before calling that it was a scam because I googled a portion of the voicemail and the negative results came up. 

A little music played or something and them a woman picked up and I told her why I was calling and she asked for the reference number. Couple seconds pass and she gave me my birthday and asked for confirmation. She shared with me what the call was about ( in my head I knew she had accurate information of myself personally but the debt information was bogus ). I asked her for her name, company name, company address, and phone number. She gave all four, some with hesitation ... XXXX was her name, XXXX XXXX was the company, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX-something Texas and her direct line of XXXX XXXX XXXX she told me how much I owe with One Main Financial and how much they will settle with for today. She also said the company  wasn't a debt collector but that they help companies get their money back ... ..huh?? 

I asked more questions about what my options were. She said payment plan or pay in full. They accept no checks only card numbers but she told me if I called one main directly that they could take checks ... another red flag. I told her I would call her back and never did. 

The entire conversation I had with XXXX was done with intent on my part. She gave off an insane amount of red flags. From acting like she didn't hear me to her lack of knowledge about how debt collection works. XXXX XXXX and XXXX tried to scam me out of {$8300.00} which is absolutely laughable. I really and truly feel remorse for those who aren't so lucky to catch this!
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: U.S. BANCORP (OR)

On XX/XX/2020, at XXXX XXXX, I attempted to call ReliaCard customer service to speak with a representative regarding fraudulent charges to my account. ReliaCard is the reloadable debit card that Oregon unemployment payments are deposited to, issued by US Bank. Instead of looking at my card for the customer service number on the back, I went to https : //www.usbankreliacard.com/contact-us and clicked the call XXXX XXXX XXXX XXXX link which prompted my phone to call the number. The automated system that answered asked for my 16 digit card number, which I retrieved and entered, then informed me that my phone number I was calling from wasnt associated with my card, which was odd because I receive transaction alerts via text message for the card. Next, the system asked for the last four digits of my social security number which I then entered, then the system said all customer service technicians were busy with other callers, it said goodbye and ended the call on its own. I then looked at the back of my card and compared it to the number I had just called and they were different. I called the number on the card ( XXXX XXXX XXXX and the automated system said most of the same things as the previous one, but didnt have me enter my card number, my social security number, and played waiting music as I held for the next available customer service technician. The technician informed me that the first number I had called was not affiliated with US Bank or ReliaCard. Following that call, I called a local branch of US Bank and spoke to a teller about the issue, and he had no knowledge, awareness, advice, information, resolution, or so much as interest in the situation or my concerns, which he ultimately attempted to minimize before ending the call. I then spoke with local law enforcement who transferred me to the Attorney General, who referred me back to the internet and this complaint form. Following this complaint, I intend to itemize my charges, deposits, and full account history to discuss with the ReliaCard Fraud Department, cancel my current card, and order a new one, as well as use the Credit Bureaus protection features. I was already concerned but now am terribly concerned about my credit, identity, privacy, and financial well-being. I dont understand how a bank, especially such an established bank can be so careless about the privacy and security of its members. I have spent the past 7 hours  attempting to mitigate the consequential events of that phone call. I feel so violated!
Consumer complaint received 2015-12-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BC SERVICES, INC. (CO)

I have never received a bill from the original company this is due from. I do not know where these bills are coming from and why I owe them. I have also never received a bill from BC Services. The only reason I know that I " owe '' is because it shows up on my credit report. I have contacted them to send me something so I know what it is and why I owe. I have only been told how much I owe over the phone and that it is a medical debt. BC Services has failed to assist me in the debt and just want to collect the debt that I am not even aware of owing.
Consumer complaint received 2021-02-06
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. (GA)

I'm XXXX XXXX the consumer recognized in the FDCPA, Im looking at my consumer report and Ive noticed unauthorized inquires on file, dating XX/XX/XXXX, pursuant to title 15 U.S.C 1681 B ( 2 ) I never gave written permission for these to be posted. According to the FCRA these need to be deleted from my credit file. It is your duty to make sure accurate information is posted to my consumer report pursuant to Title 15 U.S.C 1681 2 ( b ) and Title 15 U.S.C 1681 e. If you feel as if the information I provide is inaccurate, presentment is in a form of Affidavit of Fact, so no material or misrepresentation has been completed .If you believe I obtained services I need a senior executive member of this company put on a affidavit, signed under penalty of perjury, signed and notarized. These inquires need removal from my consumer report because they never had written permission to pull my personal information. Only my current open credit cards should have permission to post.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX My journey started 6 month ago when I pulled my credit report from all three credit bureau and seem the inaccurate information on my file. Then I begin to hand write letters regarding the inaccuracy in my credit reporting. Specifically as it related to charge off and provide me with copies of any documentation associated with these account, bearing my signature. In the absence of any such documentation bearing my signature. I formally requested that this information be immediately delated from the credit file.
Consumer complaint received 2022-11-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

I had fraudulent activity on my XXXX  XXXX XXXX checking account that had a variety of auto-pay debits coming from in, including my auto loan with Wells Fargo bank XXXX I updated the banking instructions on XX/XX/2022 for them to debit my new checking account. They can see that the banking instructions were added to the system, but they still debited my old account in XXXX and XXXX. When I noticed they debited the incorrect account in XXXX, I logged in and made a triple payment : XXXX 's payment, XXXX 's payment as well as XXXX 's. At the time, I called Wells Fargo and explained to them what had happened. I was told that no 30 day late would be reported. However, in late XXXX, I did notice a late payment was reported. I contacted Wells Fargo again and was told they would correct it, but it could take up to 30 days. I have been working with them since then and have recently been told that it late will not be removed, despite their prior reassurances. I have since paid the loan off in full and this is negatively impacting my credit through no fault of my own. It appears some technical issue occurred where the new banking instructions were added, but not debited. I have never had a late payment and I was simply trying to get the updated information into their system because I was a victim of fraud.
Consumer complaint received 2020-09-29
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. (IL)

Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX 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 Inquiry from XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-29
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. (TX)

Experian states they have " certified '' that the XXXX  XXXX XXXX  Total Card is mine and that is 100 % false. Never dealt with this company .Experian is in my opinion committing fraud against me and is violating my civil rights. Never been to XXXX Missouri or had any knowledge of this account. This needs to be brought to law enforcement attention and I would like to have criminal action taken against Experian.
Consumer complaint received 2022-11-06
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. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (FL)

I was victimized by secret shopper scam. I recognize being naive in falling for this. However, the bank has discretion for funds availability on check deposits and they made the entire amount of the check immediately available. By doing this, they are not protecting the consumer from these scams, they become the enabler to the fraudsters. The bank needs to place a hold until the validity of the check is confirmed. This makes every small consumer account susceptible to this scam. 

The check was deposited on XX/XX/2020, the amount of the check was {$2800.00}. I reported it as fraud but Wells Fargo refused to make me whole.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The following company, XXXX XXXX XXXX has reported a fraudulent account on my credit reports. I do not have any financial obligations with this company. The above-mentioned company has failed to supply me with any contracts that was signed on my behalf. This account and company are considered fraud as no authorization has been provided to this company to furnish any information into my credit profile... 

EQUIFAX Credit agency has not completed an investigation into this matter to validate any claimed relationship that I have with this company.
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Should be able to close a deposit checking account online. They read the legal disclosure orally for reopening if provisional credit for error resolutions. This can be added to the online system in writing and the reason for closing the account. Having to wait through the phone cue to get a customer service representative annoying with COVID-19 when this is a company heavily involving with technology.