davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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. (IN)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2022-09-29
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. (FL)

By law I'm entitled to a free credit report on XXXX, Transunion llc, is keeping my consumer credit report information hostage ; it's a unjust system. This is predatory and life-threatening, as it prevents me from verifying the accuracy of my consumer report. I was able to verify inaccurate information on my credit report, and I immediately began the process of contacting the Transunion, in order to have this issue resolved. The unfortunate reality is that I never received a response. I sent letters at least 5 times and had no response or interaction. I'm getting quite annoyed at this point because I'm still waiting for a response from transunion. I had contacted your firm previously. I'm a normal person who is also a consumer and a creditor. My consumer report contains an error, I have the legal authority to ask transunion which report my consumer reports under the FCRA. I called transunion over ten times in the last seven months, requesting an updated full summary of my credit history to ensure everything was reporting correctly. Despite multiple verification processes such as ( Name, DOB, SSN, address accounts that I have ) and the Rep even sending me a text massage codes to my phone number that I also verified, she still couldn't tell me why i wasnt able to view my full consumer report .... i've sent transunion my identification and proof of address along with a copy of my ssn via mail and fax, i never got a response back from they company...
Consumer complaint received 2023-02-21
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. (TX)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in 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 XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Today, XX/XX/XXXX, I checked my credit report and XXXX XXXX XXXX XXXX has reported that my account with them is delinquent. They are also reporting that I owe a balance that is over {$9000.00} when the balance owed is XXXX. I have paid XXXX on the XXXX  debt. I have attached a list of the payment receipts to this complaint. 

In XX/XX/XXXX, I filed a complaint that XXXX XXXX XXXX XXXX never responded to. In addition to the inaccurate account information being reported by XXXX XXXX XXXX XXXX to the credit bureaus, my credit score dropped XXXX  points. Please see attached all payments made since XXXX at the branch that have not been applied to my account. As of today, I have not received a statement from XXXX XXXX XXXX XXXX that lists the payments they have received from me or the remaining balance. 

How can XXXX XXXX XXXX XXXX knowingly report inaccurate information against me to the credit bureaus when I have proof that the information they are reporting is false and is severely damaging my credit report and score?
Consumer complaint received 2022-12-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I was reported deceased illegally trought all 3 credit report agency unlawful activity was use on my credit report company using my name to XXXX credit or file for insurance funds stated I was reported deceased an my date of birth was illegally change incorrect information cause me to lose money XXXX XXXX XXXX XXXXXXXX XXXX so I never could contain a credit score due to this incorrect information I requested everything should be removed deleted off my report I am not deceased I am alive now I'm a victim of identity theft stolen employment funds stated of Alabama denied my employment verification received payment due to my XXXX XXXX I was born in XXXX false information to all credit bureaus force me to have no credit an lose money an benefits
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions, Inc. (SC)

I am not the responsible party for the debt on XXXX XXXX for {$1300.00} and XXXX XXXX for {$720.00}. I keep contacting the creditor asking for Valid proof that it was me on the claim that they have put on my credit ( XXXX XXXX ) & Im not having any luck. The legal definition of verification is to be able to support the truth of the data by affidavit, which they arent doing therefore they are engaging in fraud
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kornerstone Credit,  LLC. (FL)

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX Outsourcing and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.
Consumer complaint received 2023-06-27
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. (OR)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-05-07
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: Experian Information Solutions Inc. (GA)

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I  was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I contacted FTC and my local police. XXXX. XXXX, XXXX  XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MA)

Hello I received a Strange Statement with {$890.00} balance from NEW YOUR & COMPANY. I never had this credit card and never purchased any thing from this company. It asked my personal information in detail, including SS #. 


The following information is about this company : Name : New York & Company, Web : NYANDCOMPANYCARD.com phone : XXXX, XXXX Address : XXXXomenity- New York & Company XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I received emails stating a new online checking account had been created in my name. I contacted the bank right away because I did not open any new bank accounts. I was informed by the fraud department of the bank that my name ssn birthdate was used to open the account. I was not given documentation that the account was closed. Just a verbal confirmation. I spoke with XXXX from Bank of America. I was told the account was empty- not funded yet. He did send a link by email of what to do when affected by identity fraud. that is all the communication I was given. received another email the next day from BOA asking to confirm email. I did not confirm the link.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (TX)

On XX/XX/XXXX I sent in a securitized collateral certificate application for an open ended consumer credit purchased charge card with a value of {$16000.00} as per Discover bank prospectus of XXXX. This exchange was done in accordance with electronic funds transfer act and security exchange act 1934. I received a notice in error stating that the application was denied it is to my understanding that this is due to no XXXX  credit score, yet upon further investigation on the prospectus states that all new receivables are transfer and deposited to the XXXX XXXX  charter. This Insures that I am a Valued private investor in the charter. This is very concerning. Im requesting either my securitized collateral certificate value be returned credited at {$16000.00} that it was sold for or whatever the current market value. Or the issuance of my open ended consumer credit purchased charge card rewarded for my security investment. As this securitized collateral certificate was sent as a new receivable to the trust immediately it is my understanding that I am unsecured bond private investor, who is entitled to the charge card that I purchased with in good faith.
Consumer complaint received 2022-12-17
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. (MA)

Attached you will see and I can't be verbatim, third-party information that my credit reporting agency Equifax wanted XXXX Why would they be looking for any information about me. 
I may be wrong and please correct me, but they're there only to take the information from my credit cards or creditors and disputes and other information. Why would a credit reporting agency be looking for other information? That bothers me when somebody's using a third party. 
As we know on the internet all problems with consumers is third party information. Why did they get all that information and how did they get it and why was it from XXXX? And something about check depositing or something like that I don't know I'd like to explain more and I couldn't send anything through to Equifax through their site and they are the worst credit reporting agency around. 
I had my identity stolen last year on XXXX as veteran they never frauded or frozed my account I couldn't get back in cuz I lost my password manager and the gentleman gave me my screen name! I said you don't do that what if I was the other guy who's got my social lol well it's on the letter I'm sending you, no sir or ma'am it was not. 

Anyway not sure if this is a complaint and or a question please get back to me cuz I've never seen that on any credit report before.
Consumer complaint received 2022-12-17
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: Credit Central Holdings, LLC (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX and XXXX, XXXX, has violated my rights 15 USC 1681 Section 602 Ihave the right to privacy 15 USC 1681 Section 604 A Section C It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit card under an open end consumer plan as late for any purpose.
Consumer complaint received 2024-04-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I was approached by some woman off of XXXX to be able to make more money and I talked to her for awhile until I became more comfortable with what she was talking about and it was cryptocurrency. She had me create an account on profitunits.com and there I had a wallet where I would buy bitcoins from cash app and put it into my wallet on profitunits so I can XXXX XXXXXXXX it. She would tell me when to trade and how many amounts. I invested {$9000.00}. On my account it showed I profited {$65000.00}. When I went to withdraw the amount they told me I needed a withdrawal pin. In order to get this pin I needed to pay profitunits XXXX  % of the amount I want to take out into some bitcoin wallet. After that they wanted you to pay the XXXX % commission fee up front before you receive any of your money. After this I realized I just lost all of my savings and I was scammed. My XXXX and XXXXXXXX  also invested into this platform and lost large sums of money too.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XX/XX/2022.
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (ME)

On XX/XX/2020 we received a notice in the mail stating we are behind on our mortgage and at risk of default actions. The letter gave suggestions we contact them regarding work out options including modification or short sale. Problem with this is they pull money out of my bank account automatically every 2 weeks for the mortgage payment, we are always paid a month ahead and they pull {$20.00} more a month then what our actual mortgage payment is. I called and was on the phone with the mortgage company for over an hour and they told me they applied my payment to the principal not the mortgage payment causing us to be 2 months behind on our mortgage and facing default and eventually possible foreclosure action. I never authroized this, I never discussed with them doing this and I never asked them to do this. My arrangement with them was to withdraw {$500.00} every 2 weeks from my account for my mortgage payment. There are even months that there are 3 pay periods not 2 so I pay an additional {$520.00} in those months not just {$20.00}. They informed me they are not sure why or how this happened and they would need to look into it but refused to give me contact information for anyone and told me they did not know how long it would take could be at least 5-10 business days
Consumer complaint received 2024-04-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

My mom started talking to this woman who presented herself nicely on XXXX and had her invest into a platform that was " going to make her more money ''. I started to see my mom profiting off of her trades and wanted to also invest some money since it looked so easy. She had me create an account on XXXX and there I had a wallet where I would buy bitcoins from cash app and put it into my wallet on XXXX so I can day trade it. She would tell me when to trade and how many amounts. I invested {$2000.00} on my account it showed I profited {$12000.00}. When I went to withdraw the amount they told me I needed a withdrawal pin. In order to get this pin I needed to pay XXXX  5 % of the amount I want to take out into some bitcoin wallet. I paid the 5 % which was {$450.00} and after that it showed I needed to pay a commission fee before being able to withdraw all of my money. After that they wanted you to pay the 20 % commission fee up front before you receive any of your money. After this I realized I just lost all of my savings and I was scammed. I contacted cash app since this is where I was purchasing my bitcoin and told them this was a scam and they told me basically they couldn't help me. How can we trust such a popular app to send and receive money when they won't even protect you from people stealing from you.
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited a check for XXXX via my camera on Friday the 1XX/XX/2020 at approximately XXXX XXXX  to cover amounts that would come through my acct. since it was a holiday weekend a hold was placed on the funds until the next business day. My bills hit my acct and the bank charged me three fees XXXX knowing that check was on hold. Next my social security check was deposited on XX/XX/XXXX and I was charged yet 4 more fees for in coming bills. When I discussed this with the bank I was told that they would not refund any fees. This bank took XXXX from my cacti struggle to make ends meet and understand that some charges are my fault however I dont believe that it was fair to take this amount of money from me.
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I suppose to receive my XXXX settlement check an other settlement due to data breach settlement from XXXX an XXXX due me being reported deceased illegally an my personal information was exposed incorrect never received anything from nobody lost savings bonds account never tried to notify me credit company had my name incorrect someone using my account or using my personal information to uptain credit loans I requested a full disclosure never received it like the credit bureau toke some stuff off the report I requested everything in my name or use in my name from XXXX trough XXXX
Consumer complaint received 2019-05-07
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND I HAVE FOUND AN INACCURATE ITEM THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAS CAUSED MASSIVE HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-12-17
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. (MI)

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX card and XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts was open fraudulently. Heres my police report to go with my ftc report to have theses accounts removed or blocked.
Consumer complaint received 2022-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (PA)

I had a XXXX account show up on my credit report from XXXX XXXX XXXX. I have no knowledge of this account, never opened an account with them, never authorize them to have any of my personal information, and never signed or gave them my social Security number. I have no clue what this account is and feel it could be identity theft or the company has my confused with someone similar
Consumer complaint received 2023-10-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX