davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
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 — Was not notified of investigation status or results
Company: AMERICAN HONDA FINANCE CORP (NY)

I tried to get another vehicle and upon arriving was informed that according to all three major credit bureau nothing has been reported for the last 13 months of me having the car I spoke to the bank and they said they will correct it and blamed it on a XXXX XXXX XXXX  shutdown when infact it should have been being reported since XX/XX/XXXX XXXX
Consumer complaint received 2020-10-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: The CMI Group, Inc. (TX)

Beginning in XX/XX/2020 a Company named " Offices of Credit Management '' began calling my phone. They would not disclose what my " debt '' supposedly was. When I stopped answering their calls they began to leave this actual voicemail. They have left this voicemail several times now : " Our Bill matches your Social Security number, the moment you receive this message I need you to get back to me on my department division number XXXX XXXX XXXX XXXX, I repeat at XXXX XXXX XXXX XXXX. Now, if I don't hear a call from you we will have to issue an arrest warrant and get you arrested, so get back to me as soon as possible, thank you. '' They have called from these two numbers, yet they left the number above : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX When I called the numbers to ask about the " arrest '' a manager came to the phone and it was the same male voice that left the voicemails, except I could tell he ran his voice through a device that slightly altered it. I have perfect hearing and that is certified by my ear specialist, I instantly asked him why he left a voicemail like that via a device and that I could tell it was him. He grew hostile and denied ever leaving voicemails and hung up on me.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUSTMARK CORPORATION (MS)

XXXX  continues to remark that Trustmark XXXX is reporting XXXX XXXX Bankruptcy for me. I have never filed bankruptcy. Trustmark XXXX has stated to me that XXXX  must be coding their report of account being affected by Covid as bankruptcy. Trustmark has emailed XXXX  - Yet, XXXX  most recently coded it again as bankruptcy on XX/XX/2020. 

I am attaching email communication from Trustmark XXXX.
Consumer complaint received 2024-03-19
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. (NV)

XXXX consumer account number XXXX XXXX this company has violated my rights per fcra This account was involved in litigation I have not supplied proof under the doctrine of estoppel by silence, XXXXngelhardt v. Gravens ( Mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt exists Also this account does not belong to me address place of residence never lived there.
Consumer complaint received 2023-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

My funds were stolen and distributed to people on chime by someone I know, I sent a letter with my identity theft report and Notice to Furnishersof Information. They declined twice to after I asked them to reopen the dispute and declined it again and I need my money back Im getting XXXX off really bad XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX XXXX transfered XXXX to him self XX/XX/19XXXX 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 2023-07-13
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. (FL)

I'M A VICTIM OF IDENTITY THEFT. THIS IS MY 5TH REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (FL)

I received an XXXX XXXX debit card from XXXX XXXX 's my employer, for my pay. I wanted to take money out. On XX/XX/2020, I went on the XXXX website to look for a free ATM to use with this card. The website instructed me to download an app which will tell me where all of the ATMs will be with no fees. I went to the ATM and I was charged a {$3.00} fee. when I called XXXX XXXX I spoke to a representative named XXXX who began arguing with me that I was not charged. Then she began to read my transactions with all of the ATM fees but still insisted they were not charges. She then began to explain that they were balanced inquiries not withdrawal fees therefore these were not real fees. as she continued to gaslight me, I thought maybe it would was a communication problem because her English was not good. She refused to credit the {$3.00}. I was appalled thinking as I make {$8.00} an hour at XXXX XXXX and these people are charging me {$3.00} just to use the card. I asked to speek to a supervisor named XXXX who I was met with the same argument these are not actual charges because they were not withdrawal fees they were balanced inquiry fees using the same ATM which I was instructed to go to through their app. XXXX also refused to credit me the {$3.00}. And insisted I wasn't charged any fees. Then began to read me my transactions from the card and says ATMs fees 3 times.
Consumer complaint received 2023-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (CA)

First Progress XXXX XXXX XXXX XXXX XXXX  TN XXXX. XX/XX/XXXX I applied for secured credit card in the amount of {$200.00}. Account approved and opened. I never used this card. No purchases were ever made. I lost my job due to Co-Vid XX/XX/XXXX. For an entire year First Progress remained with a balance of {$0.00} between XX/XX/XXXX thru XX/XX/XXXX. It wasn't until XX/XX/XXXX that the card was charged an annual fee of {$49.00}. Every bill after this was charged late fees and interest. First Progress ran my {$200.00} secured deposit all the way down to - {$4.00} and closed account. They kept my security deposit and made derogatory statements to the credit reporting bureau agencies. I can't see how I can lose my deposit on a card I never used
Consumer complaint received 2020-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION (NV)

Paid my Nevada State Bank mortgage in full on XX/XX/20 through a refinance with another company. Due to timing of the payoff, a monthly mortgage payment was automatically deducted, resulting in an overpayment of {$1100.00}. Rather than refund these funds to me immediately, the automated telephone response informed me the funds would be reimbursed within 20 days. When I did not receive the funds after 20 days, I called and waited for over 48 minutes to speak with an actual customer support person. I was informed the 20 day period was not correct and it would actually be 30 days while they " analyzed '' my account. The account is paid in full and there is no reason to analyze anything or withhold funds belonging to me.
Consumer complaint received 2020-10-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, This is the 2nd time we have done an international transfer through Bank of America. The first transfer we didn't realize that Bank of America had the incorrect exchange rate on their site. We purchased goods from our XXXX XXXX in XXXX and when it received his money, he didn't have the total he requested. We then had to pay an approximate {$180.00} to him to make up the difference. We did a transfer today, and yet again, the exchange rate is incorrect. The PKR to USD is XXXX as of XXXX XX/XX/2020, but BOA shows it as XXXX PKR. That is a huge difference. We ended up having to pay an additional {$170.00} to our seller to make sure they received the total requested for their goods. If BOA had the correct exchange rate, this would not have happened. BOA owes me apprx {$350.00} due to having incorrect exchange rates on their site when doing transfers.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

Covid 19 - in violation of Federal Collection Laws There are two separate federal Acts in place in which prohibit AGGRESSIVE collection of student loan default. 

XXXX / XXXX XXXX XXXX XXXX  / XXXX XXXX XXXX Also the school / schools in collection both filled for Bankruptcy so where is the EXTRA collection monies going if these schools filled for the equivalent of a chapter personal chapter XXXX?
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion continues to remark that XXXX XXXX is reporting Chapter XXXX Bankruptcy for me. I have never filed bankruptcy. XXXX XXXX has stated to me that Transunion must be coding their report of account being affected by Covid as bankruptcy. XXXX has emailed Transunion - Yet, Transunion most recently coded it again as bankruptcy on XX/XX/2020. 

I am attaching email communication from XXXX XXXX.
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

The following inquiries that's reporting on my credit files are fraudulent inquiries and I'm demanding that they are removed. I do not have any knowledge of these unauthorized dark web fraudulent made inquiries. 

1. XXXX ( XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX ) 7. XXXX XXXX ( XXXX )
Consumer complaint received 2023-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IL)

Commenity Bank - Victorias Secret Credit Card has been repeatedly calling me. Call log below for today alone. 

XXXX Call 1 at XXXXXXXX XXXX Call 2 at XXXX XXXX Call 3 at XXXX XXXX Call 4 at XXXXXXXX XXXX Call 5 at XXXX XXXX Call 6 at XXXX XXXX Call 7 at XXXXXXXX XXXX Call 8 at XXXXXXXX XXXX Call 9 at XXXX XXXX Call 10 at XXXXXXXX XXXX  This IS harassment! I have screenshots of the call log and will continue to do so until it stops!
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, 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. (MO)

The following inquiries that's reporting on my credit files are fraudulent inquiries and I'm demanding that they are removed. I do not have any knowledge of these unauthorized dark web fraudulent made inquiries. 

1. XXXX XXXX XXXX ) 2. XXXX XXXX ( XXXX ) 3. XXXX XXXX XXXX XXXX ( XXXX ) 4. XXXX XXXX XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6. XXXX XXXX XXXX XXXX XXXX ) 7. XXXX XXXX  ( XXXX )
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (TX)

I applied for the Chase XXXX  XXXX  card. 
EARN {$200.00} Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account openings. 

I have excellent credit and they said that 7 years ago I had a collection that I settled back XX/XX/XXXX they said that they will never take that off the credit bureau probably do but they keep it forever and if that's the case I needed to know so I would never apply for Chase 's credit cards because I received a hard inquiry on my credit score and I don't want to keep getting hard inquiries with Chase if they do not take away the 7 years when I was young it was actually back in XXXX but I started to do better in my life so I considered settling for 400 and 50 something dollars. I spoke to the lender and the consumer Department and they told me they didn't know if they had a 7 years forgiveness
Consumer complaint received 2023-07-03
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. (DC)

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 2023-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep frustration and disappointment with the handling of my credit report dispute. Despite my efforts and successful resolution discussions with the concerned banks, Experian continues to play a game of pass the buck, causing undue stress and concern. ACCOUNT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have successfully resolved disputes with these banks, and other credit bureaus have promptly removed the disputed accounts. However, Experian 's lack of cooperation and responsiveness is unacceptable. I am now seeking your assistance in expediting the resolution of this matter. I kindly request that Experian rectify this situation promptly and ensure the removal of the mentioned accounts from my credit report. I believe that the Consumer Financial Protection Bureau ( CFPB ) should be made aware of Experian 's lack of cooperation in this matter. I expect the credit bureau to fulfill its obligation to thoroughly investigate and resolve disputes in a timely manner.
Consumer complaint received 2020-10-03
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: WELLS FARGO & COMPANY (FL)

I requested a credit line increase on a credit card from Wells Fargo and specifically told them I did not want them to look at my credit report. They insisted it would not be touched. 

A letter dated XX/XX/XXXX with a XX/XX/XXXX credit score from XXXX  were provided. This was an illegal use of my credit report.
Consumer complaint received 2023-07-02
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. (IL)

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. 


I told the XXXX, XXXX, and Equifax to reinvestigate these accounts ; 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 usc 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

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.

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts incorrect that needs to be deleted : 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 2023-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MO)

XX/XX/XXXX. 

called midland credit to take care of a debt thats on my credit report. The XXXX  guy made a payment agreement with me. He had me go on his website and fill out my info to accept the plan. We were disconnected. I called back and explained the plan and that I was disconnected Telling him all this he asked my address. Well I currently do not have an address as I have been staying in truck or hotels. He then tells me he cant take my payment or that he cant give me a payment plan. After all this was just set up. Asked for manger. Spoke to manager and he agreed on payment that is good till XX/XX/XXXX XXXX but wont accept a payment from me because I dont have an address. Im currently XXXX  still trying to make a payment so I can improve credit better, so I can get out of my situation. 
As I was filling this out getting account number. Went back on the website and the XX/XX/XXXX plan was changed to XX/XX/XXXX now. 
How do I get this removed from my credit if they wont accept a payment? Any help would be greatly appreciated
Consumer complaint received 2020-09-26
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. (NJ)

A collection agencies under the name XXXX XXXX XXXX appears on my Credit Report with an a amount of {$59.00}. I do not recall to had any contract or agreement with this Company or to own them any thing ... I called this company and gave them all my personal Information as SSN, Names, Adress and Phone adress and the representative couldn't find any thing in their system.
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

These inquries need to be removed, these are unauthorized XXXX/XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XXXX  XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION XXXX XXXX/2020 TRANSUNION XXXX XXXX XX/XX/2020 TRANSUNION XXXX XX/XX/2020 TRANSUNION
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (DC)

I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! 
I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. 

( Security Credit Services ) ( Account # XXXX ) ( opened on XXXX XXXX According to the FCRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( Security Credit Services ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. 

Thank You and I look forward to an instant resolution to this matter.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX and account # XXXX all under ( XXXX ) and XXXX charge off with no account number. all for has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.